3296 Sandy Bluff Dr, Diberville, MS 39540 Property Records

Harrison County property record for 3296 Sandy Bluff Dr, Diberville, MS 39540

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,319 sqft · built 1995
Owner	Individual Name on File
Last Sale	$490,000 (Oct 2020)
Tax Bill	$2,899 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`1407M-01-002.003`

Property Details

APN / Parcel Number

Primary APN	`1407M-01-002.003`
Alternative APN	`095451`

Interior

Full Baths	2 Baths
Building Area	3,319 sqft Adjusted Area
1st Floor Area	1,643 sqft
2nd Floor Area	652 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Deck Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	095451
Street Address	3296 SANDY BLUFF DR
City	DIBERVILLE
State	MS
Zip	39540-8100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SANDY BLUFF ACRES SUBD. REPLAT IN SW 1/4 SEC 33-6-9
Legal Range	09
Legal Township	06
Legal Section	33
Legal Subdivision	SANDY BLUFF ACRES REPLAT
Legal Lot Number	3
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1060
Census Tract	3405

Owner

3296 Sandy Bluff Dr is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3296 SANDY BLUFF DR, DIBERVILLE, MS 39540-8100
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
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCORP SOUTH BANK
Oct 26, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2020 · Amount on File
Deed Sale	Oct 26, 2020 · Amount on File
Deed Document Number	2020-0004029-D-J2
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3296 SANDY BLUFF DR, DIBERVILLE, MS 39540-8100
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200003852TJ2
Date	Oct 26, 2020
Instrument	2020-0003852-T-J2

Lender

Name	BANCORP SOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Oct 26, 2020
Property Address	3296 SANDY BLUFF DR, DIBERVILLE, MS 39540-8100
Document Number	20200004029DJ2
Map Reference	PB 11 PG 38
Instrument Date	Oct 23, 2020
Instrument	2020-0004029-D-J2
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 HILLANDALE AVE, 312, OCEAN SPRINGS, MS 39564-4523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3296 SANDY BLUFF DR, DIBERVILLE, MS 39540-8100

Tax Assessment & Valuation

The 2025 property tax bill for 3296 Sandy Bluff Dr was $2,899 with exemptions applied, up 4.5% from the year before.

Source: Harrison County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Municipality	D'Iberville City
Unified School District	Harrison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,899.00 (+4.54%) Homeowner's exemption Disabled Person's exemption	$28,118	$281,178 Land $75,000 Building $206,178
2024	$2,773.00 (-0.54%)
2023	$2,788.00 (-0.71%) Homeowner's exemption Disabled Person's exemption	$27,052	$270,519 Land $75,000 Building $195,519
2022	$2,808.00

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.

Flood

FEMA maps place 3296 Sandy Bluff Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 194 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	40 (2005–2026)
Claims Outside the SFHA	18 of 40
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Tropical Storm Arthur, Jun 2026 · 3 claims Hurricane Ida, Aug 2021 · 17 claims Hurricane Katrina, Aug 2005 · 4 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 3296 Sandy Bluff Dr is high, ranking above 78% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 94% of Mississippi
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

May also be available: CoastConnect, Singing River Connect.

Cell Coverage

5G (outdoors only) and 4G LTE

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