Harrison County property record for 18557 Ray Rd, Long Beach, MS 39560
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 4,740 sqft · built 2017 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,740 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0611J-01-046.000 |
| Primary APN | 0611J-01-046.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 4,740 sqft Adjusted Area |
| 1st Floor Area | 4,035 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Plywood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 56,628 sqft (1.3 acres) |
| Garage Area | 1,296 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Area | 1,626 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 037356 |
|---|---|
| Street Address | 18557 RAY RD |
| City | LONG BEACH |
| State | MS |
| Zip | 39560-3510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.3 AC(C) BEG 887.6 FT W & 163.6 FT N OF NE COR OF LOT 27 BLK 3 COX SUBD E 423.8 FT TO W MAR OF RAY RD N ALONG RD 138.6 FT W |
| Legal Range | 12 |
| Legal Township | 08 |
| Legal Section | 12 |
| Legal Subdivision | COX SUB |
| Legal Block | 3 |
| Legal Lot Number | 27 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 2702 |
18557 Ray Rd is owned and occupied by two individuals.
Source: Harrison County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18554 RAY RD, LONG BEACH, MS 39560-3509 |
| 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 |
|---|---|
| Nov 6, 2017 | Deed of Trust, Mortgage BANCORPSOUTH BANK |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANCORP SOUTH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 2020-0000801-D-J1 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 18557 RAY RD, LONG BEACH, MS 39560-3510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20170009819TJ1 |
|---|---|
| Date | Nov 6, 2017 |
| Instrument | 2017-0009819-T-J1 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 18557 RAY RD, LONG BEACH, MS 39560-3510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20199446TJ1 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 2019-9446-T-J1 |
| Name | BANCORP SOUTH BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 18557 Ray Rd was $5,740 with exemptions applied, up 10.2% from the year before.
Source: Harrison County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Municipality | Long Beach City |
| Unified School District | Long Beach School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,740.00 (+10.17%) Homeowner's exemption Disabled Person's exemption | $37,722 | $377,225 Land $27,324 Building $349,901 |
| 2024 | $5,210.00 (+1.4%) | ||
| 2023 | $5,138.00 (+3.19%) Homeowner's exemption Disabled Person's exemption | $34,182 | $341,817 Land $24,840 Building $316,977 |
| 2022 | $4,979.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18557 Ray Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 44 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2012 · rainfall accumulation |
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 18557 Ray Rd is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Sparklight Cable | 1,000 / 50 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
May also be available: CoastConnect, Verizon.
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