982 Bluff Rdg, Biloxi, MS 39532 Property Records

Harrison County property record for 982 Bluff Rdg, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,813 sqft · built 1991
Lot Size	0.215 acres (9,396 sqft)
Owner	Individual Name on File
Tax Bill	$1,073 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2024 Second Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`1209D-01-001.032`

Property Details

APN / Parcel Number

Primary APN	`1209D-01-001.032`
Alternative APN	`104999`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,813 sqft Adjusted Area
1st Floor Area	1,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,396 sqft (0.215 acres)
Utility Building	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	982 BLUFF RDG
City	BILOXI
State	MS
Zip	39532-3345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 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	32
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	2
Census Block	2009
Census Tract	3312

Owner

Source: Harrison County assessment roll, APN 1209D-01-001.032, as of November 6, 2025 · Last verified April 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 File
Mailing Address	982 BLUFF RDG, BILOXI, MS 39532-3345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Mar 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 21, 2017	Deed of Trust, Mortgage FBT MORTGAGE LLC
Sep 06, 2017	Deed of Trust, Mortgage DSLD MORTGAGE
Apr 21, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Mar 31, 2017
Transfer Doc	20170000870DJ2
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Recording Date	Jul 22, 2026
Property Address	982 BLUFF RDG, BILOXI, MS 39532-3345
Document Number	0000004671
Instrument Date	Jul 14, 2026
Instrument	20264671
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 BLUFF RDG, BILOXI, MS 39532-3345

Mortgage

Document Number	0000004671,
Date	Jul 22, 2026
Instrument	20264671

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	982 BLUFF RDG, BILOXI, MS 39532-3345
Transaction Type	Mortgage
Record Updated	Mar 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 BLUFF RDG, BILOXI, MS 39532-3345

Mortgage

Document Number	20240001419TJ2
Date	Mar 11, 2024
Instrument	2024-0001419-T-J2

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2054

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	982 BLUFF RDG, BILOXI, MS 39532-3345
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170001206TJ2
Date	Apr 21, 2017
Instrument	2017-0001206-T-J2

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company
Address	OCEAN SPRINGS, MS 39564

Agreement

Amount	Amount Recorded
Term	361 Months
Due	May 01, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	982 BLUFF RDG, BILOXI, MS 39532-3345
Transaction Type	Mortgage
Record Updated	Jan 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-0002644-T-J2
Date	Sep 06, 2017
Instrument	2017-0002644-T-J2

Lender

Name	DSLD MORTGAGE
Type	Mortgage Company
Address	BATON ROUGE, LA 70816

Agreement

Amount	Amount Recorded

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARRISON MS
Recording Date	Apr 21, 2017
Property Address	982 BLUFF RDG, BILOXI, MS 39532-3345
Document Number	20170000870DJ2
Map Reference	PL 12 PG 40
Instrument Date	Mar 31, 2017
Instrument	2017-0000870-D-J2
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	982 BLUFF RDG, 982, BILOXI, MS 39532-3345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 BLUFF RDG, BILOXI, MS 39532-3345

Tax Assessment & Valuation

Source: Harrison County assessment roll as of November 6, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,073.00 (+5.51%) Homeowner's exemption Disabled Person's exemption	$12,286 (+3.25%)	$122,856 (+3.25%) Land $40,000 Building $82,856
2024	$1,017.00 (+1.09%)
2023	$1,006.00 Homeowner's exemption Disabled Person's exemption	$11,899	$118,988 Land $40,000 Building $78,988
2022	$1,006.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harrison County (28047C), as of April 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280470033122, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire

Wildfire Risk	High above 70% of the US · above 89% of Mississippi
Wildfire Likelihood	0.2% annual chance
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, 281 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: Coast Electric Power Association.

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