18559 Ray Rd, Long Beach, MS 39560 Property Records

Harrison County property record for 18559 Ray Rd, Long Beach, MS 39560

Property Summary

Property Type	Single Family Home
Details	2 ba · 4,232 sqft · built 1995
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Dec 2010)
Tax Bill	$4,175 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0611J-01-045.000`

Property Details

APN / Parcel Number

Primary APN	`0611J-01-045.000`
Alternative APN	`037352`

Interior

Full Baths	2 Baths
Building Area	4,232 sqft Adjusted Area
1st Floor Area	2,280 sqft
2nd Floor Area	1,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Deck Area	440 sqft
Utility Building	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	037352
Street Address	18559 RAY RD
City	LONG BEACH
State	MS
Zip	39560-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.6 AC(C) BEG 463.8 FT W OF NE COR OF LOT 27 BLK 3 COX SUBD ON W MAR OF RAY RD W 423.8 FT N 163.6 FT E 423.8 FT TO RD S ALONG
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

Owner

18559 Ray Rd is owned and occupied by two individuals who bought it in December 2010.

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	2 Individual Names on File
Mailing Address	18559 RAY RD, LONG BEACH, MS 39560-3510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK WHITNEY BANK
Nov 1, 2017	Deed of Trust, Mortgage · FHA Mortgage KEESLER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2010 · Amount on File
Deed Sale	Dec 8, 2010 · Amount on File
Deed Document Number	2010-0008151-D-J1
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	18559 RAY RD, LONG BEACH, MS 39560-3510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202003227TJ1
Date	Apr 7, 2020
Instrument	2020-03227-T-J1

Lender

Name	HANCOCK WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 21, 2045

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	18559 RAY RD, LONG BEACH, MS 39560-3510
Transaction Type	Mortgage
Record Updated	Mar 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170009656TJ1
Date	Nov 1, 2017
Instrument	2017-0009656-T-J1

Lender

Name	KEESLER FCU
Type	Credit Union
Address	BILOXI, MS 39531

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 18559 Ray Rd was $4,175 with exemptions applied, up 7.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,175.00 (+7.11%) Homeowner's exemption Disabled Person's exemption	$27,776	$277,762 Land $31,879 Building $245,883
2024	$3,898.00
2023	$3,898.00 (+3.84%) Homeowner's exemption Disabled Person's exemption	$26,238	$262,375 Land $28,980 Building $233,395
2022	$3,754.00

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

FEMA maps place 18559 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

Wildfire risk around 18559 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.

Internet Providers

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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