Harrison County property record for 970 Bluff Rdg, Biloxi, MS 39532
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,748 sqft · built 2004 |
| Lot Size | 0.703 acres (30,651 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,341 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 1209D-01-001.035 |
| Primary APN | 1209D-01-001.035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,748 sqft Adjusted Area |
| 1st Floor Area | 783 sqft |
| 2nd Floor Area | 709 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,651 sqft (0.703 acres) |
| Patio Area | 134 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 970 BLUFF RDG |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39532-3345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 35 THE BLUFFS PHASE I |
| Legal Range | 10W |
| Legal Township | 07S |
| Legal Section | 14 |
| Legal Subdivision | BLUFFS THE PHASE I |
| Legal Phase | 1 |
| Legal Lot Number | 35 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 3312 |
Source: Harrison County records, as of March 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 970 BLUFF RDG, BILOXI, MS 39532-3345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2024 |
| Deed Sale | Dec 30, 2024 |
| Prior Sale | Jul 23, 2015 |
| Deed Document Number | 20247860 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 970 BLUFF RDG, BILOXI, MS 39532-3345 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 970 BLUFF RDG, BILOXI, MS 39532-3345 |
| Document Number | 20260001149TJ2 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 2026-0001149-T-J2 |
| Name | KEESLER FCU |
|---|---|
| Type | Credit Union |
| Address | GULFPORT, MS 39503 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
Source: Harrison County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Municipality | Biloxi City |
| Unified School District | Biloxi Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,341.00 (-42.25%) Homeowner's exemption Disabled Person's exemption | $14,684 (-29.97%) | $146,842 (+5.05%) Land $40,000 Building $106,842 |
| 2024 | $2,322.00 (-10.73%) | ||
| 2023 | $2,601.00 (+110.78%) | $20,967 | $139,777 Land $40,000 Building $99,777 |
| 2022 | $1,234.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 60 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 4 (2016–2026) |
| Claims Outside the SFHA | 4 of 4 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 89% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CoastConnect.
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