720 Clover Pl, Biloxi, MS 39532 Property Records

Harrison County property record for 720 Clover Pl, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	1 ba · 3,943 sqft · built 2004
Lot Size	0.487 acres (21,226 sqft)
Owner	2 Individual Names on Record
Last Sale	$453,600 (Jun 2021)
Tax Bill	$3,987 (2022)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1109I-01-004.077`

Property Details

APN / Parcel Number

Primary APN	`1109I-01-004.077`
Alternative APN	`122656`

Interior

Full Baths	1 Bath
Building Area	3,943 sqft Adjusted Area
1st Floor Area	3,503 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	21,226 sqft (0.487 acres)
Pool Area	1,000 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	720 CLOVER PL
City	BILOXI
State	MS
Zip	39532-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 77 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	77
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	1
Census Block	1000
Census Tract	3313

Owner

Source: Harrison County records, as of April 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	720 CLOVER PL, BILOXI, MS 39532-4110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · VA Mortgage EVERETT FINANCIAL INC
Aug 8, 2018	Deed of Trust, Mortgage BANCORPSOUTH BANK
Aug 30, 2018	Deed of Trust, Mortgage · FHA Mortgage CHARTER BANK
Mar 9, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE
Jun 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Jun 23, 2021 · Amount on Record
Deed Document Number	20212661DJ2
Prior Transfer Date	Aug 2, 2018
Prior Transfer Doc	0000018512
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	720 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210002927TJ2
Date	Jun 23, 2021
Instrument	2021-0002927-T-J2

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	720 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180002328TJ2
Date	Aug 8, 2018
Instrument	2018-0002328-T-J2

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount Recorded
Term	23 Months
Due	Jul 26, 2020

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	720 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180002541TJ2
Date	Aug 30, 2018
Instrument	2018-0002541-T-J2

Lender

Name	CHARTER BANK
Type	Bank
Address	BILOXI, MS 39532

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	720 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20220001876TJ2
Date	Mar 9, 2022
Instrument	2022-0001876-T-J2

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Jun 23, 2021
Property Address	720 CLOVER PL, BILOXI, MS 39532-4110
Document Number	20210002661DJ2
Map Reference	PB 18 PG 8
Instrument Date	Jun 18, 2021
Instrument	2021-0002661-D-J2
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15204 BIG RIDGE RD, 15204, BILOXI, MS 39532-2844

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	720 CLOVER PL, BILOXI, MS 39532-4110

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		$40,985 (+4.94%)	$409,850 (+4.94%) Land $57,500 Building $352,350
2023	Homeowner's exemption Senior Citizen's exemption	$39,057	$390,574 Land $57,500 Building $333,074
2022	$3,987.00

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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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