Harrison County property record for 3562 Stephen Earl, Vancleave, MS 39565 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 3,594 sqft · built 1997 |
| Lot Size | 4.2 acres (182,952 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $502,740 (Apr 2026) |
| Tax Bill | $3,710 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Oct 2018 Reverse Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1406-21-001.013 |
| Primary APN | 1406-21-001.013 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 3,594 sqft Adjusted Area |
| 1st Floor Area | 2,325 sqft |
| 2nd Floor Area | 585 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 182,952 sqft (4.2 acres) |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Utility Building | 72 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3562 STEPHEN EARL |
|---|---|
| City | VANCLEAVE |
| State | MS |
| Zip | 39565-7610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4.2 AC LOT 11 RIVERWOOD ESTATES SUBD SEC 21-6-9 |
| Legal Range | 09W |
| Legal Township | 06S |
| Legal Section | 21 |
| Legal Subdivision | RIVERWOOD ESTATES SUBD |
| Legal Lot Number | 11 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 3405 |
Source: Harrison County records · APN 1406-21-001.013
Assessment roll updated November 6, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 25, 2018 | Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 25, 2018 | Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC |
| Dec 14, 2012 | Deed of Trust, Mortgage BANCORPSOUTH BANK |
| Sep 26, 2012 | Deed of Trust, Mortgage BANCORPSOUTH BANK |
| Apr 08, 2026 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE, INC |
| Mar 20, 2026 | Trustee's Deed, Foreclosure |
| Sep 26, 2012 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 08, 2026 · Amount on Record |
| Deed Sale | Apr 08, 2026 · Amount on Record |
| Prior Sale | Mar 20, 2026 · Amount on Record |
| Deed Document Number | 20266588 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20180009086TJ1 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 2018-0009086-T-J1 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20180009083TJ1 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 2018-0009083-T-J1 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Name | Verified Name |
|---|---|
| Address | 314 JACKSON AVE, OCEAN SPRINGS, MS 39564-4616 |
| Document Number | 201211973TJ1 |
|---|---|
| Date | Dec 14, 2012 |
| Instrument | 2012-11973-T-J1 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Address | PO BOX 4360, TUPELO, MS 38803 |
| Amount | Amount Recorded |
|---|---|
| Term | 57 Months |
| Due | Sep 10, 2017 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Name | Verified Name |
|---|---|
| Address | 314 JACKSON AVE, OCEAN SPRINGS, MS 39564-4616 |
| Document Number | 20129091TJ1 |
|---|---|
| Date | Sep 26, 2012 |
| Instrument | 2012-9091-T-J1 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | PO BOX 4360, TUPELO, MS 38803 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Sep 10, 2017 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Apr 08, 2026 |
| Property Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Document Number | 0000006588 |
| Instrument Date | Apr 02, 2026 |
| Instrument | 2026.6588 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2026 |
| Title Company | PILGRIM TITLE, PILGER TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Document Number | 0000006589, |
|---|---|
| Date | Apr 08, 2026 |
| Instrument | 2026.6589 |
| Name | GUARANTEED RATE, INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Mar 20, 2026 |
| Property Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Document Number | 20260005186DJ1 |
| Map Reference | MB 38 PG 28 |
| Instrument Date | Apr 24, 2025 |
| Instrument | 2026-0005186-D-J1 |
| Transaction Type | Foreclosure |
| Record Updated | May 07, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1636 POPPS FERRY RD STE 231, 231, BILOXI, MS 39532-2279 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Sep 26, 2012 |
| Property Address | 3562 STEPHEN EARL, VANCLEAVE, MS 39565-7610 |
| Document Number | 20125661DJ1 |
| Instrument Date | Sep 26, 2012 |
| Instrument | 2012-5661-D-J1 |
| Transaction Type | Transfer |
| Record Updated | May 07, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3562 STEPHEN EARL, OCEAN SPRINGS, MS 39565-7610 |
| Name | Verified Name |
|---|---|
| Address | 3562 STEPHEN EARL, OCEAN SPRINGS, MS 39565-7610 |
Source: Harrison County records · Assessment roll updated November 6, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Unified School District | Harrison County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,710.00 (+158%) | $37,892 (+59.27%) | $252,616 (+6.19%) Land $27,495 Building $225,121 |
| 2024 | $1,438.00 (-0.55%) | ||
| 2023 | $1,446.00 (-0.75%) Homeowner's exemption Additional exemption filed | $23,791 | $237,901 Land $27,495 Building $210,406 |
| 2022 | $1,457.00 |
Source: FEMA National Flood Hazard Layer, Harrison County (28047C), updated April 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | High above 79% of the US · above 96% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 185 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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