977 Emily Dr, Biloxi, MS 39532 Property Records

Harrison County property record for 977 Emily Dr, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 6,286 sqft · built 2016
Lot Size	0.421 acres (18,371 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,560 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1208O-01-009.090`

Property Details

APN / Parcel Number

Primary APN	`1208O-01-009.090`
Alternative APN	`129388`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	6,286 sqft Adjusted Area
1st Floor Area	4,140 sqft
2nd Floor Area	1,238 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	18,371 sqft (0.421 acres)
Pool Area	1,242 sqft
Patio Area	422 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	977 EMILY DR
City	BILOXI
State	MS
Zip	39532-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 LAUREN FALLS SUBD SEC 12-7-10
Legal Range	10W
Legal Township	07S
Legal Section	12
Legal Subdivision	LAUREN FALLS SUBD
Legal Lot Number	30
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	2
Census Block	2018
Census Tract	3311

Owner

977 Emily Dr is owned and occupied by two individuals who acquired it in July 2021.

Source: Harrison County records, as of December 16, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	977 EMILY DR, BILOXI, MS 39532-2034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2019	Deed of Trust, Mortgage · FHA Mortgage HANCOCK BANK
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK WHITNEY BANK
Apr 5, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021
Deed Sale	Jul 16, 2021
Prior Sale	Apr 5, 2019 · Amount on File
Deed Document Number	20213067DJ2
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	977 EMILY DR, BILOXI, MS 39532-2034
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190000908TJ2
Date	Apr 5, 2019
Instrument	2019-0000908-T-J2

Lender

Name	HANCOCK BANK
Type	Bank
Address	NEW ORLEANS, LA 70122

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	977 EMILY DR, BILOXI, MS 39532-2034
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210001727TJ2
Date	Apr 14, 2021
Instrument	2021-0001727-T-J2

Lender

Name	HANCOCK WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Apr 5, 2019
Property Address	977 EMILY DR, BILOXI, MS 39532-2034
Document Number	20190000733DJ2
Instrument Date	Apr 4, 2019
Instrument	2019-0000733-D-J2
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	465 JORDAN DR, BILOXI, MS 39531-2312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 EMILY DR, BILOXI, MS 39532-2034

Tax Assessment & Valuation

The 2025 property tax bill for 977 Emily Dr was $8,560 with exemptions applied, up 1.9% from the year before.

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,560.00 (+1.92%) Homeowner's exemption Disabled Person's exemption	$79,271	$792,708 Land $50,000 Building $742,708
2024	$8,399.00 (+1.77%)
2023	$8,253.00 Homeowner's exemption Disabled Person's exemption	$77,919	$779,187 Land $50,000 Building $729,187
2022	$8,253.00

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

FEMA maps place 977 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 977 Emily Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 79% 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.

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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