178 Main St, Biloxi, MS 39530 Property Records

Harrison County property record for 178 Main St, Biloxi, MS 39530

Property Summary

Property Type	Commercial Office
Details	0.5 ba · 9,826 sqft · built 1970
Lot Size	0.443 acres (19,320 sqft)
Owner	Company Name on Record
Tax Bill	$12,943 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1410K-01-042.000`

Property Details

APN / Parcel Number

Primary APN	`1410K-01-042.000`
Alternative APN	`010157`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Units	8 Units
Stories	1 Story
Building Area	9,826 sqft Adjusted Area
Gross Area	10,880 sqft
1st Floor Area	3,712 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Metal
Lot Area	19,320 sqft (0.443 acres)
Lot Dimensions	115 ft deep x 168 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	178 MAIN ST
City	BILOXI
State	MS
Zip	39530-3843
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	BEG SW COR LOT 6 ST PAULS SUBD N MAR WASHINGTON LOOP N 195 FT W 120 FT TO MAIN ST S 140 FT TO CURVE SELY ALG WASHINGTON LOOP
Legal Range	09W
Legal Township	07S
Legal Section	33
Legal Subdivision	PAULS SUBD
Legal Lot Number	6
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2040
Census Tract	3600

Owner

Source: Harrison County records, as of May 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3509 BRANDON JAMES DR, BILOXI, MS 39532-9399
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage THE FIRST A NATIONAL BANKING ASSN
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2023
Deed Sale	Sep 25, 2023
Prior Sale	Sep 7, 2023
Deed Document Number	20235661
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Sep 7, 2023
Property Address	178 MAIN ST, BILOXI, MS 39530-3843
Document Number	20230005359DJ2
Instrument Date	Sep 7, 2023
Instrument	2023-0005359-D-J2
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 MAIN ST STE 101, 101, BILOXI, MS 39530-3830

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7720 W QUINOY DRIVE, LAKEWOOD, CO 80235-1903

Mortgage

Document Number	20230005126TJ2
Date	Sep 7, 2023
Instrument	2023-0005126-T-J2

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	178 MAIN ST, BILOXI, MS 39530-3843
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20192614TJ2
Date	Sep 3, 2019
Instrument	2019-2614-T-J2

Lender

Name	THE FIRST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 28, 2025

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	178 MAIN ST, BILOXI, MS 39530-3843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20192614TJ2
Date	Sep 3, 2019
Instrument	2019-2614-T-J2

Lender

Name	THE FIRST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 28, 2025

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Municipality	Biloxi City
Unified School District	Biloxi Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,943.00 (+5.59%)	$115,805 (+4.43%)	$772,032 (+4.43%) Land $104,328 Building $667,704
2024	$12,258.00 (+0.7%)
2023	$12,173.00	$110,896 (-)	$739,305 (-) Land $104,328 Building $634,977
2022	$12,173.00	$110,896	$739,305 Land $104,328 Building $634,977

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 162 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	206 units insured incl. 44 condo units
Nearby Flood Claims	179 (1978–2021)
Claims Outside the SFHA	68 of 179
Most Recent Claim	Aug 2021 · Hurricane Ida
Claims by Event	Hurricane Katrina, Aug 2005 · 104 claims Hurricane Georges, Oct 1998 · 11 claims Hurricane Elena, Sep 1985 · 7 claims

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	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BILOXI-NORTH serves 9,858 people · EPA ID MS0240084
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	CITY OF BILOXI
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile.

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