15175 E Shadow Creek Dr, Biloxi, MS 39532 Property Records

Harrison County property record for 15175 E Shadow Creek Dr, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	1 ba · 3,350 sqft · built 2003
Owner	Individual Name on Record
Tax Bill	$1,833 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1106-22-012.123`

Property Details

APN / Parcel Number

Primary APN	`1106-22-012.123`
Alternative APN	`120527`

Interior

Full Baths	1 Bath
Building Area	3,350 sqft Adjusted Area
1st Floor Area	2,992 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Deck Area	336 sqft
Patio Area	336 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	120527
Street Address	15175 E SHADOW CREEK DR
City	BILOXI
State	MS
Zip	39532-8578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 193 SHADOW CREEK SUBD PH THREE SE 1/4 SEC 22-6-10
Legal Range	10
Legal Township	06
Legal Section	22
Legal Subdivision	SHADOWCREEK SUBD PH 3
Legal Phase	3
Legal Lot Number	193
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	1
Census Block	1010
Census Tract	3407

Owner

Source: Harrison County records, as of December 15, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	15175 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANCORP SOUTH BANK
Jan 5, 2017	Deed of Trust, Mortgage BANCORPSOUTH BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2003
Deed Sale	Dec 8, 2003
Deed Document Number	0000411360
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	15175 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210001076TJ2
Date	Mar 9, 2021
Instrument	2021-0001076-T-J2

Lender

Name	BANCORP SOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	15175 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170000043TJ2
Date	Jan 5, 2017
Instrument	2017-0000043-T-J2

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	15175 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Transaction Type	Mortgage
Record Updated	Aug 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200002539TJ2
Date	Jul 27, 2020
Instrument	2020-0002539-T-J2

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 25, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Unified School District	Harrison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,833.00 (+4.98%) Homeowner's exemption Disabled Person's exemption	$22,597 (+5.48%)	$225,971 (+5.48%) Land $33,000 Building $192,971
2024	$1,746.00 (+0.92%)
2023	$1,730.00 (-0.92%) Homeowner's exemption Disabled Person's exemption	$21,424	$214,239 Land $33,000 Building $181,239
2022	$1,746.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 86% of Mississippi
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
CoastConnect Fiber	2,000 / 1,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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