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Single Family ResidenceResidential
$423,094$260 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

646 WATER ST

BILOXI, MS 39530
3
Beds
1
Baths
1,629 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1903
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$423K
$364K low$482K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,952 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$26,407 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$16,089
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$176,044

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.96 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.72%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHARRISON
Lot (acres)The size of the land the home sits on, from county records.0.22
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Gorenflo Elementary SchoolB
Elementary · Grades 1–4 · 0.9 mi
H
Biloxi High SchoolA
High · Grades 9–12 · 4.5 mi
M
Biloxi Junior High SchoolA
Middle · Grades 7–8 · 4.8 mi

District: Biloxi Public School District

Neighborhood · ZIP 39530These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.148
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.31%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.8,215
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.459 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$38,577
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$59,589
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.65 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

646 Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 92% of homes in Biloxi 39530
  • Costs more per square foot than 97% of homes in Harrison County
  • Bigger than 68% of homes in Biloxi 39530
  • Has a bigger lot than 73% of homes in Biloxi 39530
  • Among the oldest homes in Harrison County

What homes are worth in Biloxi 39530

Each bar is how many homes fall in that price range. The marker is this home.

This home
$79K$744K

This home is worth more than 92% of homes in Biloxi 39530.

How it measures up in Biloxi 39530

The dot is this home. The mark in the middle is the typical home in Biloxi 39530.

Estimated value$423,094
CheaperTypical $177,025Pricier

Pricier than 92% of homes nearby

Price per ft²$260
CheaperTypical $129Pricier

Pricier than 93% of homes nearby

Living area1,629 ft²
SmallerTypical 1,339 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.22 ac
SmallerTypical 0.16 acBigger

Bigger than 73% of homes nearby

Year built1903
OlderTypical 1950Newer

Newer than 3% of homes nearby

How 646 Water St ranks against every home in each area.
MeasureThis homeBiloxi 39530Harrison County
Estimated valuepricier than$423,09492% of homes88% of homes
Price per ft²pricier than$26093% of homes97% of homes
Living areabigger than1,629 ft²68% of homes40% of homes
Lot sizebigger than0.22 ac73% of homes28% of homes
Year builtnewer than19033% of homesalmost no homes

About 646 Water St

How much is 646 Water St, Biloxi, MS worth?

The TopHap Estimate for 646 Water St, Biloxi, MS is $423,094 as of Aug 30, 2026. The likely range is $364,350 to $481,838. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Water St, Biloxi, MS last sell?

646 Water St, Biloxi, MS last sold on Jan 18, 2022, according to the county's recorded deed.

How big is 646 Water St, Biloxi, MS?

646 Water St, Biloxi, MS has 3 bedrooms, 1 bathrooms, 1,629 square feet of living space and a 0.22-acre lot.

When was 646 Water St, Biloxi, MS built?

646 Water St, Biloxi, MS was built in 1903, making it 123 years old. The building has 1 story.

What schools serve 646 Water St, Biloxi, MS?

646 Water St, Biloxi, MS is assigned to Gorenflo Elementary School (elementary), rated B; Biloxi High School (high), rated A; Biloxi Junior High School (middle), rated A. All sit in Biloxi Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 Water St, Biloxi, MS compare to other homes in Biloxi 39530?

Among the 3,384 homes in Biloxi 39530, it is worth more than 92% of them ($423,094 against a typical $177,025), its price per square foot is higher than 93% of them ($260 against a typical $129), it is bigger than 68% of them (1,629 ft² against a typical 1,339 ft²), its lot is bigger than 73% of them (0.22 ac against a typical 0.16 ac) and it is newer than 3% of them (1903 against a typical 1950). Measured against all of Harrison County, it is worth more than 88% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 646 Water St, Biloxi, MS?

The 2025 property tax bill for 646 Water St, Biloxi, MS was $2,952. The county assessed it at $26,407.

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