Harrison County property record for 640 Ridge Dr, Biloxi, MS 39532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,329 sqft · built 1981 |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,261 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 1209K-01-066.000 |
| Primary APN | 1209K-01-066.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,329 sqft Adjusted Area |
| 1st Floor Area | 1,832 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Patio Area | 230 sqft |
| Utility Building | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 005343 |
|---|---|
| Street Address | 640 RIDGE DR |
| City | BILOXI |
| State | MS |
| Zip | 39532-4326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 98 NORTH HAVEN SUBD |
| Legal Range | 10 |
| Legal Township | 07 |
| Legal Section | 23 |
| Legal Subdivision | NORTH HAVEN SUBD |
| Legal Lot Number | 98 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 3309 |
640 Ridge Dr is owned and occupied by two individuals who acquired it in January 2013.
Source: Harrison County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 640 RIDGE DR, BILOXI, MS 39532-4326 |
| 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 | 3 Names on Deed |
|---|---|
| Last Transfer Date | Jan 31, 2013 |
| Transfer Doc | 2013250DJ2 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 640 Ridge Dr was $1,261 with exemptions applied, up 4.5% 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 | $1,261.00 (+4.47%) Homeowner's exemption Disabled Person's exemption | $13,968 | $139,679 Land $26,500 Building $113,179 |
| 2024 | $1,207.00 (+1.17%) | ||
| 2023 | $1,193.00 Homeowner's exemption Disabled Person's exemption | $13,610 | $136,095 Land $26,500 Building $109,595 |
| 2022 | $1,193.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Ridge Dr in Zone X, an area of moderate flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 640 Ridge Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 81% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber · Fixed Wireless in parts of the area | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CoastConnect.
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