Harrison County property record for 451 Cove Dr, Biloxi, MS 39531
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 4,183 sqft · built 1983 |
| Lot Size | 0.26 acres (11,327 sqft) |
| Owner | Company Name on File |
| Last Sale | $175,000 (Aug 2023) |
| Tax Bill | $2,700 (2025) |
| Deeds & Mortgages | Aug 2025 Mortgage Oct 2025 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 1110D-01-028.000 |
| Primary APN | 1110D-01-028.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,183 sqft Adjusted Area |
| 1st Floor Area | 2,832 sqft |
| 2nd Floor Area | 942 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,327 sqft (0.26 acres) |
| Pool Area | 448 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 451 COVE DR |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39531-2026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 EDGEWATER COVE SUBD PHASE 1 ALSO BEG AT SE COR CHANNEL MARK SUBD N 17.5 FT TO POB S 88 DG W 1.25 FT N 1 DG E 56.9 FT S |
| Legal Range | 10W |
| Legal Township | 07S |
| Legal Section | 29 |
| Legal Subdivision | EDGEWATER COVE SUBD PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1205 |
451 Cove Dr is owned by a company that acquired it in October 2025 and is owner-occupied.
Source: Harrison County records, as of August 31, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 451 COVE DR, BILOXI, MS 39531-2026 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 22, 2025 | Quit Claim Deed, Transfer PLACER TITLE COMPANY, PILGER TITLE CO |
| Aug 1, 2023 | Special Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2023 · Amount on File |
| Deed Sale | Aug 1, 2023 · Amount on File |
| Deed Document Number | 20234450 |
| Last Transfer Date | Oct 9, 2025 |
| Transfer Doc | 0000007471 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 451 COVE DR, BILOXI, MS 39531-2026 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 451 COVE DR, BILOXI, MS 39531-2026 |
| Document Number | 20250005744TJ2 |
|---|---|
| Date | Aug 18, 2025 |
| Instrument | 2025-0005744-T-J2 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Oct 22, 2025 |
| Property Address | 451 COVE DR, BILOXI, MS 39531-2026 |
| Document Number | 20250007471DJ2 |
| Map Reference | MB 7 PG 17 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 2025-0007471-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2025 |
| Title Company | PLACER TITLE COMPANY, PILGER TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 41 COVE DR, BILOXI, MS 39531 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 41 COVE DR, BILOXI, MS 39531 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Aug 1, 2023 |
| Property Address | 451 COVE DR, BILOXI, MS 39531-2026 |
| Document Number | 20230004450DJ2 |
| Instrument Date | Jul 11, 2023 |
| Instrument | 2023-0004450-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6555 EXCELLENCE WAY, PLANO, TX 75023-1202 |
| Name | Verified Name |
|---|---|
| Address | 451 COVE DR, BILOXI, MS 39531-2026 |
The 2025 property tax bill for 451 Cove Dr was $2,700 with exemptions applied, down 33.1% from the year before.
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 | $2,700.00 (-33.09%) Homeowner's exemption Disabled Person's exemption | $26,849 | $268,492 Land $35,000 Building $233,492 |
| 2024 | $4,035.00 (+2.18%) | ||
| 2023 | $3,949.00 (+84.79%) | $35,984 (+5%) | $239,896 (-) Land $35,000 Building $204,896 |
| 2022 | $2,137.00 Homeowner's exemption Additional exemption filed | $23,990 | $239,896 Land $35,000 Building $204,896 |
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.
FEMA maps place 451 Cove 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 | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 144 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 144 in force |
| Nearby Flood Claims | 10 (1998–2020) |
| Claims Outside the SFHA | 2 of 10 |
| Most Recent Claim | Oct 2020 · Hurricane Zeta |
| 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.
Wildfire risk around 451 Cove Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.7% 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.
Source: FCC Broadband Data Collection, based on 92 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 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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