Hancock County property record for 545 State St, Bay Saint Louis, MS 39520
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,232 sqft · built 2010 |
| Lot Size | 0.086 acres (3,768 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,082 (2025) |
| Deeds & Mortgages | Sep 2019 Transfer Aug 2019 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 137H-0-45-055.001 |
| Primary APN | 137H-0-45-055.001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,232 sqft Adjusted Area |
| 1st Floor Area | 1,164 sqft |
| Basement Area | 1,164 sqft |
| Unfinished Basement | 1,164 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 3,768 sqft (0.086 acres) |
| Deck Area | 50 sqft |
| Utility Building | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 545 STATE ST |
|---|---|
| City | BAY ST LOUIS |
| State | MS |
| Zip | 39520-2708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT 9 & 11 ALL 10 CLAUSE MONTI |
| Legal Range | 14W |
| Legal Township | 08S |
| Legal Section | 45 |
| Legal Subdivision | CLAUSE MONTI |
| Jurisdiction | HANCOCK MS |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30102 |
545 State St is owned and occupied by an individual who acquired it in August 2019.
Source: Hancock County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 545 STATE ST, BAY SAINT LOUIS, MS 39520-2708 |
| 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.
| Date | Document |
|---|---|
| Sep 10, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Aug 8, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2019 |
| Deed Sale | Aug 8, 2019 |
| Deed Book / Page | 2019 / 9739 |
| Prior Transfer Date | Aug 2, 2019 |
| Prior Transfer Doc | 2019/11059 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HANCOCK MS |
| Recording Date | Sep 10, 2019 |
| Property Address | 545 STATE ST, BAY SAINT LOUIS, MS 39520-2708 |
| Document Number | 2019/11059 |
| Book / Page | 2019 / 11059 |
| Instrument Date | Aug 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 545 STATE ST, BAY SAINT LOUIS, MS 39520-2708 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 545 STATE ST, BAY SAINT LOUIS, MS 39520-2708 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK MS |
| Recording Date | Aug 8, 2019 |
| Property Address | 545 STATE ST, BAY SAINT LOUIS, MS 39520-2708 |
| Document Number | 02019/9739 |
| Book / Page | 2019 / 9739 |
| Instrument Date | Aug 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9092 HENRY SHUBERT RD, BAY SAINT LOUIS, MS 39520-9238 |
| Name | Verified Name |
|---|---|
| Address | 545 STATE ST, BAY SAINT LOUIS, MS 39520-2708 |
The 2025 property tax bill for 545 State St was $1,082.
Source: Hancock County assessment roll, as of February 2, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| Municipality | Bay St. Louis City |
| County | Hancock County |
| Unified School District | Bay St. Louis-Waveland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,082.00 | $9,414 Land $1,902 Building $7,512 | $94,142 Land $19,024 Building $75,118 |
| 2023 | $1,056.00 | $9,187 Land $1,902 Building $7,285 | $91,869 Land $19,024 Building $72,845 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 545 State St 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 July 31, 2025 · 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 147 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 147 in force |
| Nearby Flood Claims | 4 (2019–2025) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
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 545 State St is low, with a 0.04% annual chance of 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 BAY ST LOUIS serves 9,284 people · EPA ID MS0230001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 9 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 368 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 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
May also be available: CoastConnect.
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