Harrison County property record for 13900 Ruby Ln, Biloxi, MS 39532 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,624 sqft · built 2021 |
| Lot Size | 0.283 acres (12,342 sqft) |
| Owner | Individual Name on File |
| Last Sale | $352,749 (May 2024) |
| Tax Bill | $2,320 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Mar 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1207I-01-003.017 |
| Primary APN | 1207I-01-003.017 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 2,624 sqft Adjusted Area |
| 1st Floor Area | 2,337 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,342 sqft (0.283 acres) |
| Patio Area | 156 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 13900 RUBY LN |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39532-1200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 48 EMERALD LAKE ESTATES SUB PH 2 OF SEC 36-6-10 |
| Legal Range | 10W |
| Legal Township | 06S |
| Legal Section | 36 |
| Legal Subdivision | EMERALD LAKE ESTATES SUB PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 48 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 3406 |
Source: Harrison County records · APN 1207I-01-003.017
Assessment roll updated November 6, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13900 RUBY LN, BILOXI, MS 39532-1200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Mar 28, 2024 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Nov 09, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 15, 2024 · Amount on Record |
| Deed Sale | May 15, 2024 · Amount on Record |
| Prior Sale | Nov 23, 2021 · Amount on Record |
| Deed Document Number | 20242869 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Jun 29, 2026 |
| Property Address | 13900 RUBY LN, BILOXI, MS 39532-1200 |
| Document Number | 0000003872 |
| Instrument Date | May 26, 2026 |
| Instrument | 20263872 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13900 RUBY LN, BILOXI, MS 39532-1200 |
| Document Number | 0000003872, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 20263872 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Dec 01, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 13900 RUBY LN, BILOXI, MS 39532-1200 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 13900 RUBY LN, BILOXI, MS 39532-1200 |
| Document Number | 20240001782TJ2 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 2024-0001782-T-J2 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 13900 RUBY LN, BILOXI, MS 39532-1200 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 13900 RUBY LN, BILOXI, MS 39532-1200 |
| Document Number | 20230006551TJ2 |
|---|---|
| Date | Nov 09, 2023 |
| Instrument | 2023-0006551-T-J2 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Dec 01, 2051 |
Source: Harrison County records · Assessment roll updated November 6, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Municipality | Biloxi City |
| Unified School District | Harrison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,320.00 (+6.96%) Homeowner's exemption Disabled Person's exemption | $22,737 (+5.93%) | $227,373 (+5.93%) Land $30,000 Building $197,373 |
| 2024 | $2,169.00 (-0.6%) | ||
| 2023 | $2,182.00 (-0.68%) Homeowner's exemption Disabled Person's exemption | $21,465 | $214,654 Land $30,000 Building $184,654 |
| 2022 | $2,197.00 |
Source: FEMA National Flood Hazard Layer, Harrison County (28047C), updated April 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 79% of the US · above 95% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 174 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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