Harrison County property record for 538 Copp St, Biloxi, MS 39530
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2,690 sqft · built 1938 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $440 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 1410J-05-046.000 |
| Primary APN | 1410J-05-046.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,690 sqft Adjusted Area |
| 1st Floor Area | 1,818 sqft |
| 2nd Floor Area | 580 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Utility Building | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 004438 |
|---|---|
| Street Address | 538 COPP ST |
| City | BILOXI |
| State | MS |
| Zip | 39530-3911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 100 FT LOT 5 BLK 8 KELLARS SUBD |
| Legal Range | 09 |
| Legal Township | 07 |
| Legal Section | 34 |
| Legal Subdivision | KELLERS SUBD |
| Legal Block | 8 |
| Legal Lot Number | 5 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 3600 |
538 Copp St is owned and occupied by an individual who acquired it in January 1996.
Source: Harrison County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 538 COPP ST, BILOXI, MS 39530-3911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 1996 |
| Deed Sale | Jan 24, 1996 |
| Deed Document Number | 0000291615 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 538 COPP ST, BILOXI, MS 39530-3911 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PILGER TITLE |
| Name | Verified Name |
|---|
| Document Number | 20193236TJ2 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 2019-3236-T-J2 |
| Name | HANCOCK WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 8, 2044 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 538 Copp St was $440 with a homeowner's exemption, up 0.9% from the year before.
Source: Harrison County assessment roll, as of September 1, 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 | $440.00 (+0.92%) Homeowner's exemption | $12,976 | $129,766 Land $11,592 Building $118,174 |
| 2024 | $436.00 (+0.93%) | ||
| 2023 | $432.00 Homeowner's exemption | $12,373 | $123,736 Land $11,592 Building $112,144 |
| 2022 | $432.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Copp St 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.
The area around 538 Copp St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 464 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 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 |
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