Harrison County property record for 322 Main St, Biloxi, MS 39530
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,518 sqft · built 1930 |
| Lot Size | 0.145 acres (6,350 sqft) |
| Owner | Company Name on Record |
| Last Sale | $125,020 (Jun 2026) |
| Deeds & Mortgages | Jun 2026 Construction Loan Jun 2026 Sale & Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 1410F-01-075.000 |
| Primary APN | 1410F-01-075.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,518 sqft Adjusted Area |
| 1st Floor Area | 1,104 sqft |
| Interior Walls | Paneling |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 6,350 sqft (0.145 acres) |
| Lot Dimensions | 127 ft deep x 50 ft wide |
| Utility Building | 60 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 322 MAIN ST |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39530-2229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2012-3063-D-J2 WILLIE JEAN MCSWAIN FAMILY TRUST BEG 451 FT N FROM INSEC OF N LINE OF DIVISION ST WITH E LINE OF MAIN ST. SEC |
| Legal Range | 09W |
| Legal Township | 07S |
| Legal Section | 28 |
| Legal Block | 93 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 4000 |
Source: Harrison County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 247 NIXON ST, BILOXI, MS 39530-3236 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage COMMERCIAL LENDER LLC |
| Jun 12, 2026 | Warranty Deed, Transfer · Construction Mortgage COMMERCIAL LENDER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on Record |
| Deed Sale | Jun 12, 2026 · Amount on Record |
| Deed Document Number | 20263589 |
| Prior Transfer Date | Dec 19, 2012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Jun 12, 2026 |
| Property Address | 322 MAIN ST, BILOXI, MS 39530-2229 |
| Document Number | 0000003590 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 20263590 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PILGRIM TITLE, PILGER TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 247 NIXON ST, BILOXI, MS 39530-3236 |
| Document Number | 0000003590, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 20263590 |
| Name | COMMERCIAL LENDER LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 1, 2027 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Jun 12, 2026 |
| Property Address | 322 MAIN ST, BILOXI, MS 39530-2229 |
| Document Number | 0000003589 |
| Instrument Date | Jun 4, 2026 |
| Instrument | 20263589 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | PILGRIM TITLE, PILGER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 247 NIXON ST, BILOXI, MS 39530-3236 |
| Document Number | 0000003590, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 20263590 |
| Name | COMMERCIAL LENDER LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 1, 2027 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
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 | Homeowner's exemption | $7,865 (+4.7%) | $78,649 (+4.7%) Land $10,925 Building $67,724 |
| 2023 | $7,512 | $75,115 Land $10,925 Building $64,190 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 17.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 187 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 187 in force |
| Nearby Flood Claims | 4 (2020) |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
| 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 | Low lower than 98% of the US · lower than 98.7% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 395 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
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