964 Emily Dr, Biloxi, MS 39532 Property Records

Harrison County property record for 964 Emily Dr, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	3 ba · 5,592 sqft · built 2015
Owner	Individual Name on File
Tax Bill	$6,737 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1208O-01-009.081`

Property Details

APN / Parcel Number

Primary APN	`1208O-01-009.081`
Alternative APN	`129379`

Interior

Full Baths	3 Baths
Building Area	5,592 sqft Adjusted Area
1st Floor Area	3,244 sqft
2nd Floor Area	1,618 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Patio Area	273 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	129379
Street Address	964 EMILY DR
City	BILOXI
State	MS
Zip	39532-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 LAUREN FALLS SUBD SEC 12-7-10
Legal Range	10
Legal Township	07
Legal Section	12
Legal Subdivision	LAUREN FALLS SUBD
Legal Lot Number	21
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	2
Census Block	2016
Census Tract	3311

Owner

964 Emily Dr is owned and occupied by an individual who acquired it in May 2009.

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

Owner of Record	Individual Name on File
Mailing Address	964 EMILY DR, BILOXI, MS 39532-2033
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
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK OF PHILADELPHIA
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANKING ASSN
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANKING ASSN
May 25, 2017	Deed of Trust, Mortgage HANCOCK BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2009
Deed Sale	May 8, 2009
Deed Document Number	2009-0001013-D-J2
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	964 EMILY DR, BILOXI, MS 39532-2033
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4462, BILOXI, MS 39535-4462

Mortgage

Document Number	20250007748TJ2
Date	Nov 5, 2025
Instrument	2025-0007748-T-J2

Lender

Name	THE CITIZENS BANK OF PHILADELPHIA
Type	Bank
Address	BILOXI, MS 39532

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 20, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	964 EMILY DR, BILOXI, MS 39532-2033
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200002985TJ2
Date	Aug 27, 2020
Instrument	2020-0002985-T-J2

Lender

Name	FIRST NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 26, 2025

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	964 EMILY DR, BILOXI, MS 39532-2033
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200002984TJ2
Date	Aug 27, 2020
Instrument	2020-0002984-T-J2

Lender

Name	FIRST NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 5, 2040

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	964 EMILY DR, BILOXI, MS 39532-2033
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170001580TJ2
Date	May 25, 2017
Instrument	2017-0001580-T-J2

Lender

Name	HANCOCK BANK
Type	Bank
Address	MONTGOMERY, AL 36117

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 4, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 964 Emily Dr was $6,737 with exemptions applied, up 5.9% 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	$6,737.00 (+5.89%) Homeowner's exemption Disabled Person's exemption	$62,962	$629,620 Land $50,000 Building $579,620
2024	$6,362.00 (+1.86%)
2023	$6,246.00 Homeowner's exemption Disabled Person's exemption	$59,640	$596,396 Land $50,000 Building $546,396
2022	$6,246.00

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

Flood

FEMA maps place 964 Emily Dr 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 80 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	8 (1998–2026)
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 964 Emily Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 70% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 124 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CoastConnect.

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