Jackson County property record for 15520 Needle St, Biloxi, MS 39532
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,812 sqft · built 2021 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $61,600 (Dec 2019) |
| Tax Bill | $1,996 (2023) |
| Deeds & Mortgages | Aug 2026 Transfer Jan 2021 Refinance + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 795.15-00-0702.02 |
| Primary APN | 795.15-00-0702.02 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,812 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 30,492 sqft (0.7 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 15520 NEEDLE ST |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39532-5224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 06170007.100 |
| Legal Range | 9W |
| Legal Township | 7S |
| Legal Section | 15 |
| Legal Subdivision | PINE KNOLL |
| Legal Lot Number | 8 |
| Jurisdiction | JACKSON MS |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 40302 |
15520 Needle St is owned and occupied by two individuals who acquired it in August 2026.
Source: Jackson County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 12, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES BANK, THE |
| Dec 23, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES BANK, THE |
| Apr 29, 2021 | Deed of Trust, Mortgage · ARM HANCOCK WHITNEY BANK |
| Dec 23, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2019 · Amount on File |
| Deed Sale | Dec 23, 2019 · Amount on File |
| Deed Document Number | 201920201927906 |
| Deed Book / Page | 1960 / 402 |
| Last Transfer Date | Aug 7, 2026 |
| Transfer Doc | 0000016890 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | JACKSON MS |
| Recording Date | Aug 12, 2026 |
| Property Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
| Document Number | 0000016890 |
| Book / Page | 2274 / 397 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202616890 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MS |
| Property Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003746/422 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 3746/422 |
| Instrument | 202101183 |
| Name | PEOPLES BANK, THE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MS |
| Property Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003636/538 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 3636/538 |
| Instrument | 20201927907 |
| Name | PEOPLES BANK, THE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MS |
| Property Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003782/829 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 3782/829 |
| Instrument | 202110724 |
| Name | HANCOCK WHITNEY BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | May 1, 2031 |
| Index | Other |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON MS |
| Recording Date | Dec 23, 2019 |
| Property Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
| Document Number | 001960/402 |
| Book / Page | 1960 / 402 |
| Instrument Date | Dec 18, 2019 |
| Instrument | 20201927906 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15520 NEEDLE ST, BILOXI, MS 39532-5224 |
Source: Jackson County assessment roll, as of March 20, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Jackson County |
| Unified School District | Jackson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $19,475 Land $3,053 Building $16,422 | $194,746 Land $30,530 Building $164,216 |
| 2023 | $1,996.00 (+2.62%) Homeowner's exemption | $18,932 (-) Land $2,969 Building $15,963 | $189,320 (-) Land $29,690 Building $159,630 |
| 2022 | $1,945.00 Homeowner's exemption | $18,932 Land $2,969 Building $15,963 | $189,320 Land $29,690 Building $159,630 |
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.
FEMA maps place 15520 Needle St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 19.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 243 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 243 in force |
| Nearby Flood Claims | 46 (2005–2021) |
| Claims Outside the SFHA | 1 of 46 |
| Most Recent Claim | Aug 2021 · Hurricane Ida |
| Claims by Event |
|
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 risk around 15520 Needle St is moderate, ranking above 40% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 70% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WEST JACKSON CO UTILITY DIST serves 28,544 people · EPA ID MS0300156 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Singing River Connect Fiber | 2,000 / 2,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
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