987 Bluff Rdg, Biloxi, MS 39532 Property Records

Harrison County property record for 987 Bluff Rdg, Biloxi, MS 39532 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,449 sqft · built 1991
Lot Size	0.165 acres (7,188 sqft)
Owner	Company Name on File
Last Sale	$114,000 (Mar 2017)
Tax Bill	$1,816 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1209D-01-001.017`

Property Details

APN / Parcel Number

Primary APN	`1209D-01-001.017`
Alternative APN	`104984`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,449 sqft Adjusted Area
1st Floor Area	1,157 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	7,188 sqft (0.165 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	987 BLUFF RDG
City	BILOXI
State	MS
Zip	39532-3348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 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	17
Jurisdiction	HARRISON MS
Township / Civil Division	5
Census Block Group	2
Census Block	2013
Census Tract	3312

Owner

Source: Harrison County records · APN 1209D-01-001.017

Assessment roll updated November 6, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	2434 W SHORE DR, BILOXI, MS 39532-3022
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 01, 2025	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK OF PHILADELPHIA
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK OF PHILADELPHIA
Dec 30, 2022	Warranty Deed, Transfer
Mar 02, 2017	Deed of Trust, Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 02, 2017 · Amount on Record
Deed Sale	Mar 02, 2017 · Amount on Record
Deed Document Number	2017456DJ2
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	987 BLUFF RDG, BILOXI, MS 39532-3348
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2434 WEST HORE DR, BILOXI, MS 39532

Mortgage

Document Number	20250007007TJ2
Date	Oct 01, 2025
Instrument	2025-0007007-T-J2

Lender

Name	THE CITIZENS BANK OF PHILADELPHIA
Type	Bank
Address	OCEAN SPRINGS, MS 39564

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	23 Months
Due	Sep 23, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	987 BLUFF RDG, BILOXI, MS 39532-3348
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2434 W SHORE DR, BILOXI, MS 39532-3022

Mortgage

Document Number	20230005501TJ2
Date	Sep 15, 2023
Instrument	2023-0005501-T-J2

Lender

Name	THE CITIZENS BANK OF PHILADELPHIA
Type	Bank
Address	OCEAN SPRINGS, MS 39564

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 06, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Dec 30, 2022
Property Address	987 BLUFF RDG, BILOXI, MS 39532-3348
Document Number	20220009624DJ2
Map Reference	PB 12 PG 40
Instrument Date	Dec 28, 2022
Instrument	2022-0009624-D-J2
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5515 F ST, LITTLE ROCK, AR 72205-3431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2434 W SHORE DR, BILOXI, MS 39532-3022

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	987 BLUFF RDG, BILOXI, MS 39532-3348
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170000640TJ2
Date	Mar 02, 2017
Instrument	2017-0000640-T-J2

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2047

Tax Assessment & Valuation

Source: Harrison County records · Assessment roll updated November 6, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,816.00 (+4.67%)	$16,251 (+3.75%)	$108,339 (+3.75%) Land $40,000 Building $68,339
2024	$1,735.00 (+0.93%)
2023	$1,719.00	$15,664	$104,426 Land $40,000 Building $64,426
2022	$1,719.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harrison County (28047C), updated April 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280470033122, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 60 individual NFIP policies nearby
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, rainfall accumulation, Tropical Storm Arthur

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 281 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Cable One	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Telapex	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Coast Electric Power Association, Telapex. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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