963 Schwan Ct, Biloxi, MS 39530 Property Records

Harrison County property record for 963 Schwan Ct, Biloxi, MS 39530

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,566 sqft · built 1929
Lot Size	0.127 acres (5,559 sqft)
Owner	2 Individual Names on Record
Last Sale	$56,600 (Oct 2012)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2023 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`1410L-03-024.000`

Property Details

APN / Parcel Number

Primary APN	`1410L-03-024.000`
Alternative APN	`002837`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,566 sqft Adjusted Area
1st Floor Area	1,347 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,559 sqft (0.127 acres)
Deck Area	273 sqft
Utility Building	294 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	963 SCHWAN CT
City	BILOXI
State	MS
Zip	39530-3747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 COZY HOMES
Legal Range	09W
Legal Township	07S
Legal Section	33
Legal Subdivision	COZY HOMES
Legal Lot Number	13
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1021
Census Tract	600

Historic Designation

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

Historic District	Within the West Central Historic District listed 1984 · 51 contributing resources · NRIS 84002212

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

Owner

Source: Harrison County records, as of October 15, 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	963 SCHWAN CT, BILOXI, MS 39530-3747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 17, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Aug 7, 2018	Deed of Trust, Mortgage MERCHANTS & MARINE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2012 · Amount on Record
Deed Sale	Oct 12, 2012 · Amount on Record
Deed Document Number	201220122438DJ2
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	963 SCHWAN CT, BILOXI, MS 39530-3747
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	963 SCHWAN CT, BILOXI, MS 39530-3747

Mortgage

Document Number	20250006505TJ2
Date	Sep 12, 2025
Instrument	2025-0006505-T-J2

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.24%
Max Rate At Change	6.24%
Max Rate	5%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	963 SCHWAN CT, BILOXI, MS 39530-3747
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20230004207TJ2
Date	Jul 24, 2023
Instrument	2023-0004207-T-J2

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	963 SCHWAN CT, BILOXI, MS 39530-3747
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210020209
Date	Dec 17, 2021
Instrument	20210020209

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2037

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	963 SCHWAN CT, BILOXI, MS 39530-3747
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200001938TJ2
Date	Jun 15, 2020
Instrument	2020-0001938-T-J2

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 26, 2030

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	963 SCHWAN CT, BILOXI, MS 39530-3747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200001938TJ2
Date	Jun 15, 2020
Instrument	2020-0001938-T-J2

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 26, 2030

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	963 SCHWAN CT, BILOXI, MS 39530-3747
Transaction Type	Mortgage
Record Updated	Sep 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180002309TJ2
Date	Aug 7, 2018
Instrument	2018-0002309-T-J2

Lender

Name	MERCHANTS & MARINE BANK
Type	Bank
Address	OCEAN SPRINGS, MS 39564

Agreement

Amount	Amount Recorded
Term	58 Months
Due	Jun 1, 2023

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	Assessed Value	Assessed Market Value
2025	$7,155 (+7.55%)	$71,546 (+7.54%) Land $23,000 Building $48,546
2023	$6,653	$66,527 Land $23,000 Building $43,527

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 64 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	112 units insured incl. 48 condo units
Nearby Flood Claims	58 (1978–2021)
Claims Outside the SFHA	37 of 58
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 38 claims Hurricane Georges, Sep 1998 · 2 claims Severe Storms, Tornadoes, Flooding, May 1995 · 3 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

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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: C Spire Wireless.

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