745 Clover Pl, Biloxi, MS 39532 Property Records

Harrison County property record for 745 Clover Pl, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,568 sqft · built 2007
Owner	Individual Name on File
Last Sale	$242,500 (Mar 2018)
Tax Bill	$2,850 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`1109I-01-004.087`

Property Details

APN / Parcel Number

Primary APN	`1109I-01-004.087`
Alternative APN	`122666`

Interior

Full Baths	2 Baths
Building Area	2,568 sqft Adjusted Area
1st Floor Area	1,814 sqft
2nd Floor Area	471 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Deck Area	200 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	122666
Street Address	745 CLOVER PL
City	BILOXI
State	MS
Zip	39532-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 87 THE OAKS SUBD PH 3 SEC 15/37-7-10
Legal Range	10
Legal Township	07
Legal Section	15
Legal Subdivision	THE OAKS SUBD PH 3
Legal Phase	3
Legal Lot Number	87
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	1
Census Block	1000
Census Tract	3313

Owner

745 Clover Pl is owned and occupied by an individual who bought it in March 2018.

Source: Harrison County records, as of December 15, 2025

Owner of Record	Individual Name on File
Mailing Address	745 CLOVER PL, BILOXI, MS 39532-4113
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
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Mar 29, 2018	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2018 · Amount on File
Deed Sale	Mar 29, 2018 · Amount on File
Deed Document Number	2018-0000711-D-J2
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	745 CLOVER PL, BILOXI, MS 39532-4113
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210003518TJ2
Date	Aug 2, 2021
Instrument	2021-0003518-T-J2

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

March 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Mar 29, 2018
Property Address	745 CLOVER PL, BILOXI, MS 39532-4113
Document Number	20180000711TJ2
Instrument Date	Mar 27, 2018
Instrument	2018-0000711-T-J2
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	248 E CAPITOL ST, 248, JACKSON, MS 39201-2503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1979 CLEARVIEW DR, BILOXI, MS 39532-4315

Tax Assessment & Valuation

The 2025 property tax bill for 745 Clover Pl was $2,850 with exemptions applied, up 5.1% from the year before.

Source: Harrison County assessment roll, as of September 1, 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	$2,850.00 (+5.09%) Homeowner's exemption Disabled Person's exemption	$28,186	$281,858 Land $57,500 Building $224,358
2024	$2,712.00 (+1.01%)
2023	$2,685.00 Homeowner's exemption Disabled Person's exemption	$27,196	$271,958 Land $57,500 Building $214,458
2022	$2,685.00

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 745 Clover Pl 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	15.0 ft
Flood Insurance Requirement	Required federally backed loans
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 745 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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