637 Michelle Dr, Biloxi, MS 39532 Property Records

Harrison County property record for 637 Michelle Dr, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,558 sqft · built 1978
Lot Size	0.236 acres (10,285 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,311 (2022)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`1209J-01-043.000`

Property Details

APN / Parcel Number

Primary APN	`1209J-01-043.000`
Alternative APN	`006383`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,558 sqft Adjusted Area
1st Floor Area	1,215 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,285 sqft (0.236 acres)
Patio Area	495 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	637 MICHELLE DR
City	BILOXI
State	MS
Zip	39532-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 SHORWOOD SUBD
Legal Range	10W
Legal Township	07S
Legal Section	24
Legal Subdivision	SHOREWOOD SUBD
Legal Lot Number	32
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	2
Census Block	2003
Census Tract	3309

Owner

637 Michelle Dr is owned and occupied by two individuals who acquired it in September 2022.

Source: Harrison County records, as of November 6, 2025

Owner of Record	2 Individual Names on File
Mailing Address	637 MICHELLE DR, BILOXI, MS 39532-4503
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

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit KEESLER FCU
Sep 9, 2020	Intrafamily Transfer, Transfer
Sep 8, 2020	Warranty Deed, Transfer · VA Mortgage GULF SOUTH MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022
Deed Sale	Sep 29, 2022
Prior Sale	Sep 9, 2020 · Amount on File
Deed Document Number	20227731
Prior Transfer Date	Sep 3, 2020
Prior Transfer Doc	20200003381DJ2
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	637 MICHELLE DR, BILOXI, MS 39532-4503
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 MICHELLE DR, BILOXI, MS 39532-4503

Mortgage

Document Number	20230005839TJ2
Date	Oct 2, 2023
Instrument	2023-0005839-T-J2

Lender

Name	KEESLER FCU
Type	Credit Union
Address	BILOXI, MS 39531

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 22, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARRISON MS
Recording Date	Sep 9, 2020
Property Address	637 MICHELLE DR, BILOXI, MS 39532-4503
Document Number	20200003381DJ2
Map Reference	PB 6 PG 37
Instrument Date	Sep 3, 2020
Instrument	2020-0003381-D-J2
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	637 MICHELLE DR, BILOXI, MS 39532-4503

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	637 MICHELLE DR, BILOXI, MS 39532-4503

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Sep 8, 2020
Property Address	637 MICHELLE DR, BILOXI, MS 39532-4503
Document Number	20200003369DJ2
Map Reference	PB 6 PG 37
Instrument Date	Sep 3, 2020
Instrument	2020-0003369-D-J2
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14572 BIG JOHN RD, BILOXI, MS 39532-8414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 MICHELLE DR, BILOXI, MS 39532-4503

Mortgage

Document Number	20200003168TJ2
Date	Sep 8, 2020
Instrument	2020-0003168-T-J2

Lender

Name	GULF SOUTH MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of November 6, 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		$7,892	$78,917 Land $20,700 Building $58,217
2023	Homeowner's exemption Senior Citizen's exemption	$7,964	$79,644 Land $20,700 Building $58,944
2022	$1,311.00

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

Flood

FEMA maps place 637 Michelle 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 219 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	275 units insured incl. 56 condo units
Nearby Flood Claims	12 (2005–2026)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2026 · Tropical Storm Arthur
Claims by Event	Hurricane Zeta, Oct 2020 · 2 claims Hurricane Katrina, Aug 2005 · 3 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 637 Michelle Dr is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 75% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CoastConnect.

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