315 Oak St, Long Beach, MS 39560 Property Records

Harrison County property record for 315 Oak St, Long Beach, MS 39560

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,681 sqft · built 1945
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on File
Tax Bill	$506 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`0612F-01-015.000`

Property Details

APN / Parcel Number

Primary APN	`0612F-01-015.000`
Alternative APN	`041976`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,681 sqft Adjusted Area
1st Floor Area	1,656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2007
Exterior Material	Plywood
Roof Type	Gable
Roof Material	Metal
Lot Area	6,900 sqft
Lot Dimensions	138 ft deep x 50 ft wide
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	041976
Street Address	315 OAK ST
City	LONG BEACH
State	MS
Zip	39560-6021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 2 BLK 6 QUARLES ADD SEC 14-8-12
Legal Range	12
Legal Township	08
Legal Section	14
Legal Subdivision	QUARLES ADD
Legal Block	6
Legal Lot Number	2
Jurisdiction	HARRISON MS
Township / Civil Division	3
Census Block Group	2
Census Block	2020
Census Tract	2802

Owner

315 Oak St is owned and occupied by two individuals who acquired it in November 1999.

Source: Harrison County records, as of December 15, 2025

Owner of Record	2 Individual Names on File
Mailing Address	315 OAK ST, LONG BEACH, MS 39560-6021
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 1999
Deed Sale	Nov 10, 1999
Deed Document Number	0001472555
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	315 OAK ST, LONG BEACH, MS 39560-6021
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 OAK ST, LONG BEACH, MS 39560-6021

Mortgage

Document Number	20250020122TJ1
Date	Sep 15, 2025
Instrument	2025-0020122-T-J1

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	315 OAK ST, LONG BEACH, MS 39560-6021
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210001810TJ1
Date	Feb 9, 2021
Instrument	2021-0001810-T-J1

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 315 Oak St was $506 with a homeowner's exemption, up 4.3% 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	$506.00 (+4.33%) Homeowner's exemption	$11,087	$110,867 Land $13,720 Building $97,147
2024	$485.00
2023	$485.00 (+6.36%) Homeowner's exemption	$10,631	$106,309 Land $13,720 Building $92,589
2022	$456.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 315 Oak St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 File median of 215 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	264 units insured incl. 49 condo units
Nearby Flood Claims	6 (2005–2024)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Oct 2024 · other causes
Claims by Event	Hurricane Zeta, Oct 2020 · 3 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

Wildfire risk around 315 Oak St 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 96% of the US · lower than 97.7% 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.

Drinking Water

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

Water System	CITY OF LONG BEACH serves 18,514 people · EPA ID MS0240005
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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