545 Howard Ave, Biloxi, MS 39530 Property Records

Harrison County property record for 545 Howard Ave, Biloxi, MS 39530

Property Summary

Property Type	Single Family Home
Details	1 ba · 3,259 sqft · built 1940
Lot Size	0.245 acres (10,706 sqft)
Owner	Individual Name on File
Tax Bill	$1,055 (2025)
Deeds & Mortgages	Mar 2017 Transfer
Flood Zone	Zone X (moderate risk)
APN	`1410J-04-032.000`

Property Details

APN / Parcel Number

Primary APN	`1410J-04-032.000`
Alternative APN	`004376`

Interior

Full Baths	1 Bath
Building Area	3,259 sqft Adjusted Area
1st Floor Area	2,092 sqft
2nd Floor Area	336 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,706 sqft
Lot Dimensions	199 ft deep x 66 ft wide
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Deck Area	312 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	004376
Street Address	545 HOWARD AVE
City	BILOXI
State	MS
Zip	39530-4449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 37 FT W OF LOT 22 KELLARS SUBD ON N MAR OF JENKINS LANE WLY ALONG RD 64.9 FT N 198.5 FT TO SLY MAR OF E HOWARD AVE ELY AL
Legal Range	09
Legal Township	07
Legal Section	34
Legal Subdivision	KELLERS SUBD
Legal Block	2
Legal Lot Number	22,21
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2056
Census Tract	3600

Owner

545 Howard Ave is owned and occupied by an individual who acquired it in March 2017.

Source: Harrison County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	545 HOWARD AVE, BILOXI, MS 39530-4449
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2017
Deed Sale	Mar 7, 2017
Deed Document Number	2017-0000497-D-J2
Record Updated	Jun 8, 2026

March 2017: Correction Deed

Document Type	Correction Deed
Jurisdiction	HARRISON MS
Recording Date	Mar 7, 2017
Property Address	545 HOWARD AVE, BILOXI, MS 39530-4449
Document Number	20170000497DJ2
Instrument Date	Jan 30, 2017
Instrument	2017-0000497-D-J2
Record Updated	Dec 20, 2021

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6343 KIMBROUGH BLVD, 6343, BILOXI, MS 39532-8418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HOWARD AVE, BILOXI, MS 39530-4449

Tax Assessment & Valuation

The 2025 property tax bill for 545 Howard Ave was $1,055 with a homeowner's exemption, up 1% from the year before.

Source: Harrison County assessment roll, as of September 1, 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	$1,055.00 (+0.96%) Homeowner's exemption	$19,554	$195,532 Land $28,906 Building $166,626
2024	$1,045.00 (+3.47%)
2023	$1,010.00 Homeowner's exemption	$18,071	$180,707 Land $28,906 Building $151,801
2022	$1,010.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 545 Howard Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Katrina, Aug 2005 · 104 claims Hurricane Georges, Oct 1998 · 11 claims Hurricane Elena, Sep 1985 · 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

Wildfire risk around 545 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 97% of the US · lower than 98.1% 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.

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 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