989 Howard Ave, Biloxi, MS 39530 Property Records

Harrison County property record for 989 Howard Ave, Biloxi, MS 39530

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1 ba · 2,585 sqft · built 1926
Lot Size	0.083 acres (3,600 sqft)
Owner	Company Name on File
Tax Bill	$2,249 (2025)
Deeds & Mortgages	Jan 2024 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1410L-05-002.001`

Property Details

APN / Parcel Number

Primary APN	`1410L-05-002.001`
Alternative APN	`101840`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,585 sqft Adjusted Area
Gross Area	2,527 sqft
1st Floor Area	1,404 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	72 ft deep x 50 ft wide
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	989 HOWARD AVE
City	BILOXI
State	MS
Zip	39530-3756
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	S 50 FT OF LOT 1 GULF VIEW PROPERTY ADDN BEING 50 X 72 FT SEC 26-7-9
Legal Range	09W
Legal Township	07S
Legal Section	33
Legal Subdivision	GULF VIEW PROPERTY ADDITION
Legal Lot Number	1
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1020
Census Tract	600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Central Historic District listed 1984 · 51 contributing resources · NRIS 84002212

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

989 Howard Ave, a commercial property, is owned by a company that acquired it in January 2023.

Source: Harrison County records, as of July 21, 2026

Owner of Record	Company Name on File
Mailing Address	2547 BELGRADE CT, BILOXI, MS 39531-2759
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2023
Deed Sale	Jan 5, 2023
Deed Document Number	202379
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	989 HOWARD AVE, BILOXI, MS 39530-3756
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20240000173TJ2
Date	Jan 10, 2024
Instrument	2024-0000173-T-J2

Lender

Name	B B & T T INC
Type	Non-Lending Institution
Address	BILOXI, MS 39535

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 3, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 989 Howard Ave was $2,249, up 5% 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	$2,249.00 (+5.04%)	$20,123	$134,152 Land $8,395 Building $125,757
2024	$2,141.00 (+1.81%)
2023	$2,103.00	$19,161	$127,743 Land $8,395 Building $119,348
2022	$2,103.00

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

Flood

FEMA maps place 989 Howard Ave in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 64 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	112 units insured incl. 48 condo units
Nearby Flood Claims	58 (1978–2021)
Claims Outside the SFHA	37 of 58
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 38 claims Hurricane Georges, Sep 1998 · 2 claims Severe Storms, Tornadoes, Flooding, May 1995 · 3 claims

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 989 Howard Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Mississippi
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BILOXI-NORTH serves 9,858 people · EPA ID MS0240084
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	CITY OF BILOXI
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 493 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