790 Howard Ave, Biloxi, MS 39530 Property Records

Harrison County property record for 790 Howard Ave, Biloxi, MS 39530

Property Summary

Property Type	Medical Clinic
Details	1 ba · 4,772 sqft · built 1890
Lot Size	0.085 acres (3,720 sqft)
Owner	Company Name on File
Tax Bill	$7,764 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`1410K-03-044.000`

Property Details

APN / Parcel Number

Primary APN	`1410K-03-044.000`
Alternative APN	`010928`

Interior

Full Baths	1 Bath
Building Area	4,772 sqft Adjusted Area
Gross Area	4,676 sqft
1st Floor Area	3,540 sqft
2nd Floor Area	1,136 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Exterior Material	Brick/Stone
Lot Area	3,720 sqft
Lot Dimensions	120 ft deep x 31 ft wide
Deck Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	010928
Street Address	790 HOWARD AVE
City	BILOXI
State	MS
Zip	39530-3822
Property Category	Commercial
Property Type	Commercial > Office > Medical Clinic
Legal Description	BEG 95.12 FT. E OF INTERSECTION OF CENTER LINE OF MAGNOLIA ST ON N R/W HOWARD AVE NLY 111.06 FT ELY 30.55 FT S 115.4 FT TO N
Legal Range	09
Legal Township	07
Legal Section	33
Legal Subdivision	LIFE ESTATE
Legal Block	119
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	3600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Biloxi Downtown Historic District listed 1998 · 11 contributing resources · NRIS 98001139

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

790 Howard Ave, a commercial property, is owned by a company that acquired it in December 2018 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1209 22ND ST, GULFPORT, MS 39501-3212
Occupancy	Owner Occupied
Owner Type	Company

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
Dec 5, 2018	Deed of Trust, Mortgage · FHA Mortgage THE FIRST A NATIONAL BANKING ASSN
Jun 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK
Nov 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage THE FIRST
Dec 5, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018
Deed Sale	Dec 5, 2018
Deed Document Number	2018-0002910-D-J2
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	790 HOWARD AVE, BILOXI, MS 39530-3822
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180003571TJ2
Date	Dec 5, 2018
Instrument	2018-0003571-T-J2

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	HATTIESBURG, MS 39404

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	72 Months
Due	Dec 5, 2024

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	790 HOWARD AVE, BILOXI, MS 39530-3822
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170001837TJ2
Date	Jun 20, 2017
Instrument	2017-0001837-T-J2

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 5, 2022

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	790 HOWARD AVE, BILOXI, MS 39530-3822
Transaction Type	Mortgage
Record Updated	Dec 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20193555TJ2
Date	Nov 18, 2019
Instrument	2019-3555-T-J2

Lender

Name	THE FIRST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	96 Months
Due	May 15, 2027

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Dec 5, 2018
Property Address	790 HOWARD AVE, BILOXI, MS 39530-3822
Document Number	20180002910DJ2
Instrument Date	Nov 30, 2018
Instrument	2018-0002910-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
Address	520 BEACH BLVD APT 104, 520, BILOXI, MS 39530-4467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 22ND AVE, GULFPORT, MS 39501-4618

Tax Assessment & Valuation

The 2025 property tax bill for 790 Howard Ave was $7,764 with an additional exemption, up 6.7% 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	$7,764.00 (+6.68%) Additional exemption filed	$69,469	$463,128 Land $19,679 Building $443,449
2024	$7,278.00 (+0.92%)
2023	$7,212.00 Additional exemption filed	$65,706	$438,040 Land $19,679 Building $418,361
2022	$7,212.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 790 Howard Ave in Zone X, an area of moderate flood risk, though there have been 179 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Katrina, Aug 2005 · 104 claims Hurricane Georges, Oct 1998 · 11 claims Hurricane Elena, Sep 1985 · 7 claims

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

The area around 790 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile.

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