736 Clover Pl, Biloxi, MS 39532 Property Records

Harrison County property record for 736 Clover Pl, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	1 ba · 3,341 sqft · built 2004
Lot Size	0.262 acres (11,433 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,989 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1109I-01-004.073`

Property Details

APN / Parcel Number

Primary APN	`1109I-01-004.073`
Alternative APN	`122652`

Interior

Full Baths	1 Bath
Building Area	3,341 sqft Adjusted Area
1st Floor Area	3,033 sqft
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	11,433 sqft (0.262 acres)

Exterior Amenities

Pool Area	448 sqft
Deck Area	314 sqft
Patio Area	314 sqft
Utility Building	168 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	736 CLOVER PL
City	BILOXI
State	MS
Zip	39532-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 73 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	73
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	1
Census Block	1000
Census Tract	3313

Owner

736 Clover Pl is owned and occupied by two individuals who acquired it in May 2022.

Source: Harrison County records, as of December 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	736 CLOVER PL, BILOXI, MS 39532-4110
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2018	Deed of Trust, Mortgage · FHA Mortgage BANCORPSOUTH BANK
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCORP SOUTH BANK
Mar 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022
Deed Sale	May 12, 2022
Prior Sale	Mar 7, 2018 · Amount on File
Deed Document Number	20223793
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	736 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180000644TJ2
Date	Mar 7, 2018
Instrument	2018-0000644-T-J2

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	736 CLOVER PL, BILOXI, MS 39532-4110
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200002160TJ2
Date	Jun 30, 2020
Instrument	2020-0002160-T-J2

Lender

Name	BANCORP SOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

Interest

Rate Type	Fixed Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Mar 7, 2018
Property Address	736 CLOVER PL, BILOXI, MS 39532-4110
Document Number	2018507DJ2
Instrument Date	Mar 5, 2018
Instrument	2018507-D-J2
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 CLOVER PL, BILOXI, MS 39532-4110

Tax Assessment & Valuation

The 2025 property tax bill for 736 Clover Pl was $2,989 with exemptions applied, up 4.5% from the year before.

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	$2,989.00 (+4.55%) Homeowner's exemption Disabled Person's exemption	$29,432	$294,316 Land $57,500 Building $236,816
2024	$2,859.00 (+2.22%)
2023	$2,797.00 Homeowner's exemption Disabled Person's exemption	$28,214	$282,136 Land $57,500 Building $224,636
2022	$2,797.00

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

FEMA maps place 736 Clover Pl in Zone X, an area of minimal 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 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 File 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

Wildfire risk around 736 Clover Pl is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 41% of Mississippi
Wildfire Likelihood	0.06% 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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