431 E Beach Dr, Ocean Springs, MS 39564 Property Records

Jackson County property record for 431 E Beach Dr, Ocean Springs, MS 39564

Property Summary

Property Type	Single Family Home
Details	6 ba · 4,979 sqft · built 2008
Lot Size	2.23 acres (97,139 sqft)
Owner	Individual Name on Record
Tax Bill	$17,086 (2025)
Deeds & Mortgages	Apr 2024 Mortgage
Flood Zone	Zone AE (high risk)
APN	`789.32-02-0044.00M`

Property Details

APN / Parcel Number

Primary APN	`789.32-02-0044.00M`
Alternative APNs	`61225007.000` `061423`

Interior

Full Baths	6 Baths
Stories	1 Story
Building Area	4,979 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	97,139 sqft (2.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	061423
Street Address	431 E BEACH DR
City	OCEAN SPRINGS
State	MS
Zip	39564-5031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL OF LOTS 6 7 & 8 LEE HAIL S/D OF BEACH PARK PLACE IN LOT 3 DB 1464-715 (44M MAP789.32-02)
Legal Range	08W
Legal Township	07S
Legal Section	32
Legal Subdivision	LEE HAIL
Legal Lot Number	67,8,3 7
Jurisdiction	JACKSON MS
Township / Civil Division	4
Census Block Group	4
Census Block	4023
Census Tract	40500

Owner

Source: Jackson County records, as of March 19, 2026

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
Co-owner	Co-owner on Record
Mailing Address	431 E BEACH DR, OCEAN SPRINGS, MS 39564-5031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2006
Deed Sale	Dec 20, 2006
Prior Sale	Dec 22, 2005
Deed Document Number	0001464715
Deed Book / Page	1464 / 715
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MS
Property Address	431 E BEACH DR, OCEAN SPRINGS, MS 39564-5031
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004059/627
Date	Apr 3, 2024
Book Page	4059/627
Instrument	202405700

Lender

Name	CADENCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2054

Interest

Rate Type	Adjustable Rate
Rate	0.07%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 5, 2029
Change Frequency	Monthly
Max Rate At Change	0.03%
Index	1-Year CMT
Max Rate	0.12%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Jackson County
Municipality	Ocean Springs City
Unified School District	Ocean Springs School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,086.00 (+5.42%) Homeowner's exemption	$119,185 (+4.07%) Land $42,614 Building $76,571	$1,191,849 (+4.07%) Land $426,140 Building $765,709
2024	$16,207.00 (-1.04%) Homeowner's exemption	$114,525 (-) Land $41,472 Building $73,053	$1,145,246 (-) Land $414,720 Building $730,526
2023	$16,378.00 (-0.28%) Homeowner's exemption	$114,525 (-) Land $41,472 Building $73,053	$1,145,246 (-) Land $414,720 Building $730,526
2022	$16,424.00 Homeowner's exemption	$114,525 Land $41,472 Building $73,053	$1,145,246 Land $414,720 Building $730,526

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 December 21, 2017 · 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 144 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	144 in force
Nearby Flood Claims	73 (1979–2021)
Claims Outside the SFHA	26 of 73
Most Recent Claim	Apr 2021 · rainfall accumulation
Claims by Event	Hurricane Zeta, Oct 2020 · 3 claims Hurricane Katrina, Aug 2005 · 50 claims Hurricane Georges, Sep 1998 · 7 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Mississippi
Wildfire Likelihood	0.03% 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	WEST JACKSON CO UTILITY DIST serves 28,544 people · EPA ID MS0300156
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	3 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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20