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620 Howard Ave, Biloxi, MS, 39530

5beds
4baths
5,000sqft
$695,000
$139price/sqft
$5,429/moest. monthly cost
$217,160/yrincome needed

About This Home

122 Year Old Home in the Heart of Biloxi. This Southern Style Home Has Approximately 5,000sq.ft.+/-on Half an Acre and Features A Saltwater Pool. Formal Dining Room, Current Owner Has Re-Furbished/Renovated in 2015-2016 (Plumbing, Electrical, HVAC ) Flooring Consists of Original Wood, Ceramic Tile & Laminate. Outside ''Clap'' Board Still Exists Under The Aluminum Siding . 4 Bedrooms, 3.5 Baths, Viking Kitchen Appliances Remain & Some Furniture Is Negotiable. 3 Fireplaces, Beautiful Staircase, Soaring High Ceilings. Covered Front Porch And Balcony. Many Original Doors, Windows. This Home Is An Amazing Find! Walking Distance to Beach, Biloxi Public Library, Small Craft Harbor.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

7/10
8/10
9/10
Biloxi High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 1904

Materials

  • Foundation: Other
  • Roof: Shingle
  • Construction materials: Siding,See Remarks

Type & Style

  • Home type: SingleFamily
  • Architectural style: See Remarks
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Instant Hot Water,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Entrance Foyer,High Ceilings,Soaking Tub
  • Flooring: Laminate,Wood
  • Fireplace features: Bedroom,Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 5,000
  • Total interior livable area: 5,000 sqft

Property

Details

  • Parcel number: 1410j06044.000

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Salt Water
  • Patio & porch: Porch
  • Exterior features: Balcony,Private Entrance,Private Yard

Lot

  • Lot size: 0.50 Acres
  • Features: Level

Parking

  • Parking features: Driveway,Guest,On Site,On Street
  • 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Hail
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 $3,514$42,168
Home Insurance *$1,110$13,320
Property Taxes $341$4,092
Electricity $464$5,579
Total$5,429$65,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,137/yr
40% on housing$162,870/yr
45% on housing$144,773/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

$139This 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
2026-03-14Listed for sale$695,000
2023-04-01Listing removed--
2023-03-15Listed for sale$699,900
2020-04-27Listing removed$629,900
2019-11-19Listed for sale$629,900
2015-05-04Listing removed$225,000
2015-02-26Price change$225,000
2015-02-12Price change$225,005
2015-01-07Listed for sale$225,000
2012-01-12Listing removed$375,000
2011-06-19Listed for sale$375,000
2011-03-29Listing removed$435,000
2010-12-17Listed for sale$435,000

For Sale by Agent

AgentHeather M Bradford
BrokerageeAgent United

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