15185 E Shadow Creek Dr, Biloxi, MS 39532 Property Records

Harrison County property record for 15185 E Shadow Creek Dr, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,555 sqft · built 2005
Owner	Individual Name on Record
Last Sale	$214,000 (Jun 2019)
Tax Bill	$963 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1106-22-012.122`

Property Details

APN / Parcel Number

Primary APN	`1106-22-012.122`
Alternative APN	`120526`

Interior

Full Baths	2 Baths
Building Area	2,555 sqft Adjusted Area
1st Floor Area	2,202 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	120526
Street Address	15185 E SHADOW CREEK DR
City	BILOXI
State	MS
Zip	39532-8578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 192 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	192
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	15185 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2019	Deed of Trust, Mortgage · VA Mortgage GULF SOUTH MORTGAGE LLC
Sep 26, 2022	Deed of Trust, Mortgage · Line of Credit HANCOCK WHITNEY BANK
Jan 4, 2021	Deed of Trust, Mortgage · VA Mortgage GULF SOUTH MORTGAGE LLC
Jun 14, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	2019-0001840-D-J2
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	15185 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20191655TJ2
Date	Jun 14, 2019
Instrument	2019-1655-T-J2

Lender

Name	GULF SOUTH MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	15185 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20220007567TJ2
Date	Sep 26, 2022
Instrument	2022-0007567-T-J2

Lender

Name	HANCOCK WHITNEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 11, 2047

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	15185 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Transaction Type	Mortgage
Record Updated	Jan 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210000021TJ2
Date	Jan 4, 2021
Instrument	2021-0000021-T-J2

Lender

Name	GULF SOUTH MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Jun 14, 2019
Property Address	15185 E SHADOW CREEK DR, BILOXI, MS 39532-8578
Document Number	20190001840DJ2
Map Reference	PL 16 PG 48
Instrument Date	Jun 12, 2019
Instrument	2019-0001840-D-J2
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18269 ROSEATE DR, 18269, LUTZ, FL 33558-2309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1119 E FOOTHILLS DR, NEWBERG, OR 97132-6009

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	$963.00 (+1.16%) Homeowner's exemption	$20,036 (+4.13%)	$200,359 (+4.13%) Land $33,000 Building $167,359
2024	$952.00 (-0.63%)
2023	$958.00 (-0.73%) Homeowner's exemption	$19,242	$192,420 Land $33,000 Building $159,420
2022	$965.00

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.

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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