Harrison County property record for 640 Division St, Biloxi, MS 39530
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 1 ba · 1,092 sqft · built 1960 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $830 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 1410F-01-015.000 |
| Primary APN | 1410F-01-015.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,092 sqft Adjusted Area |
| Gross Area | 1,044 sqft |
| 1st Floor Area | 1,044 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Finished/Painted |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,500 sqft |
| Lot Dimensions | 100 ft deep x 95 ft wide |
| Utility Building | 364 sqft |
| Account Number | 009658 |
|---|---|
| Street Address | 640 DIVISION ST |
| City | BILOXI |
| State | MS |
| Zip | 39530-2306 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | BEG AT INTER N R/W DIVISION ST & E R/W NIXON ST E ALONG N R/W 102 FT N 99 FT W 102 FT S 99 FT TO POB SEC BLK 77 IN SE 1/4 SEC |
| Legal Range | 09 |
| Legal Township | 07 |
| Legal Section | 28 |
| Legal Block | 77 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 4000 |
640 Division St, a commercial property, is owned by two individuals.
Source: Harrison County records, as of December 15, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 244 FOUNTAIN LN, BILOXI, MS 39530-2518 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000269443 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 640 Division St was $830, up 3.1% 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 | $830.00 (+3.11%) | $7,430 | $49,531 Land $32,120 Building $17,411 |
| 2024 | $805.00 (-0.37%) | ||
| 2023 | $808.00 | $7,364 | $49,093 Land $32,120 Building $16,973 |
| 2022 | $808.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Division 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 187 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 187 in force |
| Nearby Flood Claims | 4 (2020) |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
| 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 640 Division 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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