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117 Janelle Dr, Bay Saint Louis, MS, 39520

2beds
3baths
1,720sqft
$524,900
$305price/sqft
$3,843/moest. monthly cost
$153,720/yrincome needed

About This Home

Welcome to 117 Janelle Drive, an exceptional waterfront home on 2 lots in Bay St. Louis offering the perfect blend of coastal charm and modern comfort. This beautifully maintained 2-bedroom, 2.5-bath residence is a rare find, boasting direct water access with private bulkhead, dock, and boat lift -- ideal for boating enthusiasts and lovers of true Gulf Coast living. Inside you will discover a warm and inviting interior where natural light and casual elegance come together seamlessly. Private elevator(interior cargo lift) and separate staircase take you upstairs to the living area. The open-concept living spaces create a relaxed atmosphere for everyday living and entertaining alike. The well-appointed kitchen overlooks the living area, providing both functionality and comfort, with views of the water. Fireplace and wood flooring in living area. Each of the two spacious bedrooms are private and offer peaceful respite, with upgraded bath access that reflects thoughtful layout and quality finishes. The half bath on the main level adds convenience for guests and daily living. Large and bright utility room. Lots of storage. But the true showpiece of this home lies just beyond the back door. Step out to your own spacious, private covered deck and backyard (fully fenced) oasis where a bulkhead, dock, and boat lift await -- perfect for launching your water adventures, from fishing and crabbing to effortless cruising on the bay. Whether you're sipping morning coffee as the sun rises over the water or unwinding with an evening breeze, every day feels like a vacation here. This is more than a home -- it's a lifestyle. Don't miss your opportunity to own an impressive waterfront property where every detail has been considered and every moment feels like a retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
8/10
9/10
Bay High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 2009

Materials

  • Foundation: Pilings/Steel/Wood,Raised
  • Roof: Metal
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Laundry Room,Sink

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s),Crown Molding,Double Vanity,High Ceilings,Open Floorplan,Pantry,Soaking Tub,Stone Counters,Storage,Walk-In Closet(s)
  • Flooring: Tile,Wood
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,720
  • Total interior livable area: 1,720 sqft

Property

Details

  • Parcel number: 135r047084.000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Rear Porch
  • Exterior features: Dock,Elevator,Private Yard
  • Fencing: Perimeter,Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Boat Dock,Seawall,Canal Front,River Access,Waterfront

Lot

  • Lot size: 0.25 Acres
  • Features: Views
  • Lot size dimensions: 107 x 100 x 107 x 100

Parking

  • Total spaces: 3
  • Parking features: Carport,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 2

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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Cold Wave
Heat Wave
Inland Flooding
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Hancock 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 $2,654$31,848
Home Insurance *$709$8,508
Property Taxes $288$3,456
Electricity $192$2,304
Total$3,843$46,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,760/yr
40% on housing$115,290/yr
45% on housing$102,480/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.4%
3.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$305This listing

vs Other Active Listings

Avg $/sqft

ZIP 39520$170
Hancock County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 39520$180
Hancock County$161

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
2026-04-13Price change$549,500
2026-02-24Listed for sale$589,900

For Sale by Agent

AgentJon W Ritten
BrokerageRE/MAX Coast Delta Realty

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