Harrison County property record for 320 Debuys Rd, Biloxi, MS 39531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 3,938 sqft · built 1985 |
| Lot Size | 1.11 acres (48,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $328,510 (Aug 2025) |
| Tax Bill | $4,906 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1110E-01-093.002 |
| Primary APN | 1110E-01-093.002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,938 sqft Adjusted Area |
| 1st Floor Area | 3,175 sqft |
| 2nd Floor Area | 416 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 48,600 sqft (1.11 acres) |
| Lot Dimensions | 300 ft deep x 162 ft wide |
| Patio Area | 190 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 320 DEBUYS RD |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39531-2004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 LOT ON E SIDE OF DEBUYS RD BEG 430 FT N OF PASS RD |
| Legal Range | 10W |
| Legal Township | 07S |
| Legal Section | 29 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1205 |
Source: Harrison County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC |
| Aug 21, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage SIMPLE MORTGAGE SOLUTIONS LLC |
| Mar 8, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 · Amount on Record |
| Deed Sale | Aug 21, 2025 · Amount on Record |
| Prior Sale | Nov 15, 2022 |
| Deed Document Number | 20255879 |
| Prior Transfer Date | Aug 15, 2025 |
| Prior Transfer Doc | 0000005879 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Apr 20, 2026 |
| Property Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Document Number | 0000002195 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 20262195 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Document Number | 0000002195, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 20262195 |
| Name | OCMBC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Aug 21, 2025 |
| Property Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Document Number | 20250005879DJ2 |
| Instrument Date | Aug 15, 2025 |
| Instrument | 2025-0005879-D-J2 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2026 |
| Title Company | COAST TITLE, COASTLINE TITLE & ESCROW LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Document Number | 20250005880TJ2 |
|---|---|
| Date | Aug 21, 2025 |
| Instrument | 2025-0005880-T-J2 |
| Name | SIMPLE MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Mar 8, 2022 |
| Property Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Document Number | 20220001834DJ2 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2022-0001834-D-J2 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 169 RUE MAGNOLIA, BILOXI, MS 39530-3852 |
| Name | Verified Name |
|---|---|
| Address | 320 DEBUYS RD, BILOXI, MS 39531-2004 |
| Investor | Possibly a Property Investor |
Source: Harrison County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Municipality | Biloxi City |
| Unified School District | Biloxi Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,906.00 (+58.67%) | $43,902 (+57.28%) | $292,678 (+57.27%) Land $42,287 Building $250,391 |
| 2024 | $3,092.00 (+2.15%) | $27,914 (+1.2%) | $186,095 (+1.2%) Land $42,287 Building $143,808 |
| 2023 | $3,027.00 | $27,584 | $183,894 Land $42,287 Building $141,607 |
| 2022 | $3,027.00 |
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.
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 |
|---|---|
| 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 144 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 144 in force |
| Nearby Flood Claims | 10 (1998–2020) |
| Claims Outside the SFHA | 2 of 10 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 81% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.2% 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 252 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 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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