396 West Dr, Biloxi, MS 39531 Property Records

Harrison County property record for 396 West Dr, Biloxi, MS 39531

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,184 sqft · built 1952
Lot Size	0.28 acres (12,208 sqft)
Owner	Company Name on File
Tax Bill	$647 (2024)
Deeds & Mortgages	May 2026 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1210F-02-062.000`

Property Details

APN / Parcel Number

Primary APN	`1210F-02-062.000`
Alternative APN	`005690`

Interior

Bedrooms	2 Beds
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,184 sqft Adjusted Area
1st Floor Area	1,104 sqft
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,208 sqft (0.28 acres)
Deck Area	120 sqft
Patio Area	252 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	396 WEST DR
City	BILOXI
State	MS
Zip	39531-3236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK 3 PASS ROAD GARDENS #1 SEC 26-7-10
Legal Range	10W
Legal Township	07S
Legal Section	26
Legal Subdivision	PASS RD GARDENS #1
Legal Block	3
Legal Lot Number	16
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	3
Census Block	3006
Census Tract	1204

Owner

Source: Harrison County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	1987 BAYSIDE DR, BILOXI, MS 39532-4344
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI
May 2, 2022	Warranty Deed, Transfer · Conventional Mortgage RENAISSANCE COMMUNITY LOAN
May 2, 2022	Warranty Deed, Transfer NOT AVAILABLE, DSLD TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026
Deed Sale	Mar 31, 2026
Prior Sale	Feb 4, 2026
Deed Document Number	20261774
Prior Transfer Date	Jan 7, 2026
Prior Transfer Doc	0000000599
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Recording Date	May 15, 2026
Property Address	396 WEST DR, BILOXI, MS 39531-3236
Document Number	0000002831
Instrument Date	May 11, 2026
Instrument	20262831
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1987 BAYSIDE DR, BILOXI, MS 39532-4344

Mortgage

Document Number	0000002831,
Date	May 15, 2026
Instrument	20262831

Lender

Name	COMMUNITY BANK OF MISSISSIPPI

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 10, 2031

Interest

Rate	6.37%
Max Rate	-1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	May 2, 2022
Property Address	396 WEST DR, BILOXI, MS 39531-3236
Document Number	20220003492DJ2
Map Reference	PB 17 PG 22
Instrument Date	Apr 29, 2022
Instrument	2022-0003492-D-J2
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NOT AVAILABLE, DSLD TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4905 ASHMORE RDG, 4905, VANCLEAVE, MS 39565-6971

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 WEST DR, BILOXI, MS 39531-3236

Mortgage

Document Number	20220003493TJ2
Date	May 2, 2022
Instrument	2022-0003493-T-J2

Lender

Name	RENAISSANCE COMMUNITY LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	May 2, 2022
Property Address	396 WEST DR, BILOXI, MS 39531-3236
Document Number	20220003491DJ2
Map Reference	PB 17 PG 22
Instrument Date	Apr 19, 2022
Instrument	2022-0003491-D-J2
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NOT AVAILABLE, DSLD TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2680 S MEBANE ST # ST123, 2680, BURLINGTON, NC 27215-5695

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 WEST DR, BILOXI, MS 39531-3236

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	Homeowner's exemption Senior Citizen's exemption	$8,930 (+4.35%)	$89,298 (+4.35%) Land $27,600 Building $61,698
2024	$647.00 (+1.25%)
2023	$639.00 (-54.65%) Homeowner's exemption Disabled Person's exemption	$8,558	$85,578 Land $27,600 Building $57,978
2022	$1,409.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 97% of the US · lower than 98.1% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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: T-Mobile.

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