Jackson County property record for 249 Lovers Ln, Ocean Springs, MS 39564
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,488 sqft · built 2019 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,935 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2023 Line of Credit + 2 more |
| Flood Zone | Zone VE (high risk) |
| APN | 796.24-03-0029.00 |
| Primary APN | 796.24-03-0029.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,488 sqft Heated Area |
| Gross Area | 2,489 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 25,700 sqft (0.59 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 249 LOVERS LN |
|---|---|
| City | OCEAN SPRINGS |
| State | MS |
| Zip | 39564-2825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 SEAPOINTE S/D DB 1746-640 (29 MAP796.24-03) |
| Legal Range | 9W |
| Legal Township | 7S |
| Legal Section | 24 |
| Legal Subdivision | SEAPOINTE |
| Legal Lot Number | 9 |
| Jurisdiction | JACKSON MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 40500 |
249 Lovers Ln is owned and occupied by two individuals who acquired it in October 2025.
Source: Jackson County records, as of April 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 824 HANDY AVE, OCEAN SPRINGS, MS 39564-3832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Feb 6, 2023 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK |
| Aug 23, 2018 | Deed of Trust, Mortgage BANCORPSOUTH BANK |
| Sep 12, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BANCORPSOUTH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2025 |
| Deed Sale | Oct 29, 2025 |
| Deed Document Number | 202521154 |
| Deed Book / Page | 2233 / 850 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MS |
| Recording Date | Apr 1, 2026 |
| Property Address | 249 LOVERS LN, OCEAN SPRINGS, MS 39564-2825 |
| Document Number | 004231/590 |
| Book / Page | 4231 / 590 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 20266330 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 249 LOVERS LN, OCEAN SPRINGS, MS 39564-2825 |
| Document Number | 0000006330, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 4231/590 |
| Instrument | 20266330 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Mar 26, 2051 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MS |
| Property Address | 249 LOVERS LN, OCEAN SPRINGS, MS 39564-2825 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003969/408 |
|---|---|
| Date | Feb 6, 2023 |
| Book Page | 3969/408 |
| Instrument | 202302368 |
| Name | CADENCE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jan 26, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MS |
| Property Address | 249 LOVERS LN, OCEAN SPRINGS, MS 39564-2825 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003532/0000000680 |
|---|---|
| Date | Aug 23, 2018 |
| Book Page | 0000003532/0000000680 |
| Instrument | 201817008 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 5 Months |
| Due | Jan 1, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MS |
| Property Address | 249 LOVERS LN, OCEAN SPRINGS, MS 39564-2825 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003612/347 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 3612/347 |
| Instrument | 201920850 |
| Name | BANCORPSOUTH BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 249 Lovers Ln was $10,935 with a homeowner's exemption, up 4.3% from the year before.
Source: Jackson County assessment roll, as of March 20, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Jackson County |
| Municipality | Ocean Springs City |
| Unified School District | Ocean Springs School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,935.00 (+4.25%) Homeowner's exemption | $76,773 (+2.56%) Land $17,733 Building $59,040 | $767,732 (+2.56%) Land $177,330 Building $590,402 |
| 2024 | $10,489.00 (-1.06%) Homeowner's exemption | $74,855 (-) Land $17,348 Building $57,507 | $748,551 (-) Land $173,480 Building $575,071 |
| 2023 | $10,601.00 (-0.28%) Homeowner's exemption | $74,855 (-) Land $17,348 Building $57,507 | $748,551 (-) Land $173,480 Building $575,071 |
| 2022 | $10,631.00 Homeowner's exemption | $74,855 Land $17,348 Building $57,507 | $748,551 Land $173,480 Building $575,071 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 249 Lovers Ln in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 22.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 172 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 222 units insured incl. 50 condo units |
| Nearby Flood Claims | 173 (1978–2020) |
| Claims Outside the SFHA | 35 of 173 |
| Most Recent Claim | Oct 2020 · Hurricane Zeta |
| 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 249 Lovers Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.1% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.02% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures