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1496 Miller St, Biloxi, MS, 39530

2beds
2baths
1,876sqft
$249,000
$133price/sqft
$1,970/moest. monthly cost
$78,800/yrincome needed

About This Home

Charming Coastal Cottage Just Two Blocks from the Beach This charming 2-bedroom, 2-bath home offers comfortable living in a prime Biloxi location just two blocks from the beach--and not in a flood zone. The home features a spacious layout and beautiful landscaping, creating a welcoming coastal feel both inside and out. Enjoy abundant outdoor space along with a shed/workshop, perfect for storing beach gear, bikes, tools, and all your coastal toys. The roof is only 4 years old, and the HVAC system has been regularly maintained. Ideally located just a five-minute drive to downtown Biloxi, you can easily enjoy dining at local favorites like the White House Hotel, along with nearby entertainment, casinos, and waterfront attractions. The property is also conveniently located near Keesler Air Force Base, shopping, schools, and major roadways. Near Hwy 90, making it easy to enjoy the excitement of the annual Cruisin' the Coast event. Whether you're looking for a low-maintenance second home, a weekend getaway, or a full-time residence, this property offers flexibility, charm, and the opportunity to start making lasting memories on the Mississippi Gulf Coast. Schedule your showing today before this one is gone!

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
63
BikeBikeable

Schools

6/10
8/10
9/10
Biloxi High SchoolGrades 9-122.8 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1959

Materials

  • Foundation: Chainwall,Raised
  • Roof: Architectural Shingles
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Free-Standing Refrigerator
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Ceiling Fan(s)
  • Door features: Dead Bolt Lock(s)
  • Window features: Aluminum Frames,Double Pane Windows
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,876
  • Total interior livable area: 1,876 sqft

Property

Details

  • Parcel number: 1310l02015.000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Glass Enclosed,Patio
  • Exterior features: Awning(s)
  • Fencing: Back Yard,Front Yard,Full

Lot

  • Lot size: 8,712 sqft
  • Features: City Lot

Parking

  • Total spaces: 2
  • Parking features: Driveway,Gravel,Unpaved,Direct Access
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Harrison County and Mississippi

Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,259$15,108
Home Insurance *$397$4,764
Property Taxes $122$1,464
Electricity $192$2,304
Total$1,970$23,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,542/yr
40% on housing$59,100/yr
45% on housing$52,533/yr

Mississippi FAIR Plan Programs

Mississippi Windstorm Underwriting Association

Covered
HailHail
WindWind
Visit Website →

Mississippi Residential Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,237Commercial: -4
Total Premiums$1.77M
Total Exposure$137.66M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 39530$140
Harrison County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 39530$113
Harrison County$147

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-07Listed for sale$299,000

For Sale by Agent

AgentVivian Champaigne
BrokerageColdwell Banker Alfonso Realty-Lorraine Rd

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