856 Division St, Biloxi, MS 39530 Property Records

Harrison County property record for 856 Division St, Biloxi, MS 39530 · Last verified November 2025

Property Summary

Property Type	Store with Apartments
Details	1 ba · 7,231 sqft · built 1942
Lot Size	0.542 acres (23,652 sqft)
Owner	Company Name on File
Last Sale	$225,000 (Sep 2012)
Deeds & Mortgages	Oct 2023 Mortgage
Flood Zone	Zone AE (high risk)
APN	`1410F-05-084.000`

Property Details

APN / Parcel Number

Primary APN	`1410F-05-084.000`
Alternative APN	`011182`

Interior

Full Baths	1 Bath
Building Area	7,231 sqft Adjusted Area
Gross Area	7,175 sqft
1st Floor Area	6,292 sqft
2nd Floor Area	883 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1942
Exterior Material	Brick
Roof Type	Gable
Lot Area	23,652 sqft
Lot Dimensions	162 ft deep x 146 ft wide
Quonset Hut	1,008 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	011182
Street Address	856 DIVISION ST
City	BILOXI
State	MS
Zip	39530-2004
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Legal Description	BEG AT NW COR DIVISION & REYNOIR STS W 151 FT M/L TO E R/W FAYARD ST N 150 FT E 75 FT N 23 FT E 73 FT TO W R/W REYNOIR ST S 1
Legal Range	09
Legal Township	07
Legal Section	28
Legal Block	135
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1050
Census Tract	3901

Owner

Source: Harrison County records · APN 1410F-05-084.000

Assessment roll updated September 1, 2025 · Last verified November 2025

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

Owner of Record	Company Name on File
Mailing Address	856 DIVISION ST, BILOXI, MS 39530-2004
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 14, 2012 · Amount on Record
Deed Sale	Sep 14, 2012 · Amount on Record
Deed Document Number	2012-0002092-D-J2
Record Updated	Jun 08, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	856 DIVISION ST, BILOXI, MS 39530-2004
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 DIVISION ST, BILOXI, MS 39530-2004

Mortgage

Document Number	20230006244TJ2
Date	Oct 23, 2023
Instrument	2023-0006244-T-J2

Lender

Name	WHITNEY BANK
Type	Bank
Address	BILOXI, MS 39530

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 18, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Harrison County records · Assessment roll updated September 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Municipality	Biloxi City
Unified School District	Biloxi Public School District (PK - 12)

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harrison County (28047C), updated April 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280470039011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	16.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 138 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	138 in force
Nearby Flood Claims	8 (2005–2023)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Jul 2023, rainfall accumulation
Claims By Storm	Hurricane Katrina, Aug 2005 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Cable One	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Telapex	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.