Harrison County property record for 515 Howard Ave, Biloxi, MS 39530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,330 sqft · built 1920 |
| Lot Size | 0.292 acres (12,760 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,664 (2025) |
| Deeds & Mortgages | Nov 2024 Transfer Aug 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 1410J-04-003.000 |
| Primary APN | 1410J-04-003.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,330 sqft Adjusted Area |
| 1st Floor Area | 949 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,760 sqft (0.292 acres) |
| Lot Dimensions | 220 ft deep x 58 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 515 HOWARD AVE |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39530-4451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG AT NE COR OF LOT 15 BLK 3 KELLARS SUBD ON S MAR OF HOWARD AVE S 133 FT W 58 FT N 127.2 FT TO RD N 83 DG E 58.3 FT ALONG R |
| Legal Range | 09W |
| Legal Township | 07S |
| Legal Section | 34 |
| Legal Subdivision | KELLERS SUBD |
| Legal Block | 3 |
| Legal Lot Number | 15 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 3600 |
515 Howard Ave is owned by a company that acquired it in November 2024.
Source: Harrison County records, as of December 16, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2660 MITCHELL CREEK RD, WETUMPKA, AL 36093-3232 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Nov 21, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Aug 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2024 |
| Deed Sale | Nov 21, 2024 |
| Prior Sale | Oct 31, 2024 · Amount on File |
| Deed Document Number | 20247058 |
| Prior Transfer Date | Nov 18, 2024 |
| Prior Transfer Doc | 0000007058 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Nov 21, 2024 |
| Property Address | 515 HOWARD AVE, BILOXI, MS 39530-4451 |
| Document Number | 20240007058DJ2 |
| Instrument Date | Nov 18, 2024 |
| Instrument | 2024-0007058-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2660 MITCHELL CREEK RD, WETUMPKA, AL 36093-3232 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 515 HOWARD AVE, BILOXI, MS 39530-4451 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20220006382TJ2 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 2022-0006382-T-J2 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Aug 15, 2029 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 515 Howard Ave was $1,664, down 0.9% 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 | $1,664.00 (-0.89%) | $14,893 | $99,289 Land $25,346 Building $73,943 |
| 2024 | $1,679.00 (+0.9%) | ||
| 2023 | $1,664.00 (+183.96%) | $15,161 | $101,072 Land $31,758 Building $69,314 |
| 2022 | $586.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 Howard Ave 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 | 17.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 162 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 206 units insured incl. 44 condo units |
| Nearby Flood Claims | 179 (1978–2021) |
| Claims Outside the SFHA | 68 of 179 |
| Most Recent Claim | Aug 2021 · Hurricane Ida |
| 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 515 Howard Ave is low, with a 0.01% 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 | 0.01% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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