320 West Dr, Biloxi, MS 39531 Property Records

Harrison County property record for 320 West Dr, Biloxi, MS 39531

Property Summary

Property Type	Single Family Home
Details	2 bd · 828 sqft · built 1957
Lot Size	0.271 acres (11,828 sqft)
Owner	Individual Name on Record
Tax Bill	$923 (2025)
Deeds & Mortgages	Nov 2022 Mortgage May 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1210F-02-045.000`

Property Details

APN / Parcel Number

Primary APN	`1210F-02-045.000`
Alternative APN	`005708`

Interior

Bedrooms	2 Beds
Total Rooms	4 Rooms
Stories	1 Story
Building Area	828 sqft Adjusted Area
1st Floor Area	787 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,828 sqft (0.271 acres)
Utility Building	60 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 WEST DR
City	BILOXI
State	MS
Zip	39531-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK. 1 PASS ROAD GARDENS # 2 SEC. 26-7-10
Legal Range	10W
Legal Township	07S
Legal Section	26
Legal Subdivision	PASS RD GARDENS #2
Legal Block	1
Legal Lot Number	12
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	3
Census Block	3006
Census Tract	1204

Owner

Source: Harrison County records, as of December 16, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2190 FLOYD DR, BILOXI, MS 39531-3026
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC
May 23, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2022
Deed Sale	May 23, 2022
Deed Document Number	20224208
Prior Transfer Date	Apr 26, 2022
Prior Transfer Doc	0000004208
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	320 WEST DR, BILOXI, MS 39531-3200
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20220008687TJ2
Date	Nov 10, 2022
Instrument	2022-0008687-T-J2

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2052

Interest

Rate Type	Fixed Rate

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARRISON MS
Recording Date	May 23, 2022
Property Address	320 WEST DR, BILOXI, MS 39531-3200
Document Number	20220004208DJ2
Map Reference	PB 17 PG 37
Instrument Date	Apr 26, 2022
Instrument	2022-0004208-D-J2
Transaction Type	Transfer
Record Updated	Jun 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2268 BAYWOOD DR, 2268, BILOXI, MS 39532-4111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 FLOYD DR, BILOXI, MS 39531-3026

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of November 6, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$923.00 (+4.06%)	$8,259 (+3.07%)	$55,059 (+3.07%) Land $27,600 Building $27,459
2024	$887.00 (+0.91%)
2023	$879.00	$8,013	$53,418 Land $27,600 Building $25,818
2022	$879.00

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

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 BILOXI-NORTH serves 9,858 people · EPA ID MS0240084
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	CITY OF BILOXI
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL 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

May also be available: Benchmark Communications.

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