Harrison County property record for 649 Howard Ave, Biloxi, MS 39530
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,404 sqft · built 2023 |
| Lot Size | 0.205 acres (8,950 sqft) |
| Owner | Individual Name on File |
| Last Sale | $409,640 (May 2026) |
| Tax Bill | $2,762 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2022 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 1410K-01-049.001 |
| Primary APN | 1410K-01-049.001 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,404 sqft Adjusted Area |
| 1st Floor Area | 780 sqft |
| 2nd Floor Area | 624 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 8,950 sqft (0.205 acres) |
| Lot Dimensions | 179 ft deep x 50 ft wide |
| Deck Area | 24 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 649 HOWARD AVE |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39530-4311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT SE COR OF INTER OF E HOWARD AVE & ELMER ST E 65 FT TO POB E 50 FT S 185 FT M/L W 50 FT N 173 FT TO POB SEC BLK 144 |
| Legal Range | 09W |
| Legal Township | 07S |
| Legal Section | 33 |
| Legal Block | 144 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 3600 |
649 Howard Ave is owned by an individual who bought it in May 2026.
Source: Harrison County records, as of May 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5215 LANSING DR, TEMPLE HILLS, MD 20748-5426 |
| 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 |
|---|---|
| May 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Mar 4, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on File |
| Deed Sale | May 1, 2026 · Amount on File |
| Prior Sale | Mar 4, 2022 |
| Deed Document Number | 20262550 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | May 1, 2026 |
| Property Address | 649 HOWARD AVE, BILOXI, MS 39530-4311 |
| Document Number | 0000002550 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026.2550 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5215 LANSING DR, TEMPLE HILLS, MD 20748-5426 |
| Document Number | 0000002551, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 2026..2551 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Mar 4, 2022 |
| Property Address | 649 HOWARD AVE, BILOXI, MS 39530-4311 |
| Document Number | 20220001729TJ1 |
| Map Reference | BK 53 PG 219 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022-0001729-T-J1 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9200 EDGEWATER BLVD, OCEAN SPRINGS, MS 39564-7653 |
| Name | Verified Name |
|---|---|
| Address | 649 HOWARD AVE, BILOXI, MS 39530-4311 |
The 2025 property tax bill for 649 Howard Ave was $2,762, up 5.5% from the year before.
Source: Harrison County assessment roll, as of November 6, 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 | $2,762.00 (+5.54%) | $24,715 | $164,764 Land $35,880 Building $128,884 |
| 2024 | $2,617.00 (+343.56%) | ||
| 2023 | $590.00 | $5,382 | $35,880 Land $35,880 |
| 2022 | $590.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 649 Howard Ave 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 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 |
|
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 649 Howard Ave 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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