716 Clover Pl, Biloxi, MS 39532 Property Records

Harrison County property record for 716 Clover Pl, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,499 sqft · built 2004
Lot Size	0.46 acres (20,051 sqft)
Owner	Individual Name on Record
Last Sale	$325,850 (Nov 2022)
Tax Bill	$3,771 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2016 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1109I-01-004.078`

Property Details

APN / Parcel Number

Primary APN	`1109I-01-004.078`
Alternative APN	`122657`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	3,499 sqft Adjusted Area
1st Floor Area	2,678 sqft
2nd Floor Area	230 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,051 sqft (0.46 acres)
Deck Area	256 sqft
Utility Building	358 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	716 CLOVER PL
City	BILOXI
State	MS
Zip	39532-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 78 THE OAKS SUBD PH 3 SEC 15/37-7-10
Legal Range	10W
Legal Township	07S
Legal Section	15
Legal Subdivision	THE OAKS SUBD PH 3
Legal Phase	3
Legal Block	E
Legal Lot Number	78
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	1
Census Block	1000
Census Tract	3313

Owner

Source: Harrison County records, as of June 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	716 CLOVER PL, BILOXI, MS 39532-4110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE
Sep 8, 2016	Deed of Trust, Mortgage NATIONSTAR MORTGAGE LLC
Nov 30, 2022	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022 · Amount on Record
Deed Sale	Nov 30, 2022 · Amount on Record
Deed Document Number	20229037
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	716 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200002796TJ2
Date	Aug 12, 2020
Instrument	2020-0002796-T-J2

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

Interest

Rate Type	Fixed Rate

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	716 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20160002685TJ2
Date	Sep 8, 2016
Instrument	2016-0002685-T-J2

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2036

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Nov 30, 2022
Property Address	716 CLOVER PL, BILOXI, MS 39532-4110
Document Number	20220009037DJ2
Map Reference	PB 18 PG 8
Instrument Date	Nov 30, 2022
Instrument	2022-0009037-D-J2
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1726 WILLIAM HARRISON DR, BILOXI, MS 39531-3306

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	716 CLOVER PL, BILOXI, MS 39532-4110

Mortgage

Document Number	20220009038TJ2
Date	Nov 30, 2022
Instrument	2022-0009038-T-J2

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11%
Index	1-Year CMT

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	$3,771.00 (+7.87%) Homeowner's exemption Disabled Person's exemption	$36,428 (+7.22%)	$364,276 (+7.22%) Land $57,500 Building $306,776
2024	$3,496.00 (+1.95%)
2023	$3,429.00 Homeowner's exemption Disabled Person's exemption	$33,976	$339,762 Land $57,500 Building $282,262
2022	$3,429.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	2 (2020–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2026 · Tropical Storm Arthur

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

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

Wildfire Risk	Moderate above 46% of the US · above 44% of Mississippi
Wildfire Likelihood	0.09% 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 177 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CoastConnect.

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