See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

5040 E Midway Dr, Pass Christian, MS, 39571

2beds
2baths
1,670sqft
$799,999
$479price/sqft
$5,250/moest. monthly cost
$210,000/yrincome needed

About This Home

WATERFRONT HOME! Experience relaxed bayou living in this charming waterfront home on Arcadia Bayou. The open-concept layout offers beautiful views of the water from the main living areas, creating a bright, inviting space perfect for everyday living or entertaining. Ideal for boating and fishing enthusiasts, the property includes a covered boathouse with three slips, a spacious dock, and a fish-cleaning station—everything you need right at your back door. Located just a quick 7-minute boat ride from the Bay St. Louis harbor, you’ll enjoy the best of both worlds: peaceful waterfront living with easy access to restaurants, entertainment, and all the activity along the coast.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

7/10
Delisle Elementary SchoolGrades PK-53.7 mi
7/10
9/10

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Wood
  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Washer

Bedrooms & Bathrooms

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

Features

  • Flooring: Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,670 sqft

Property

Details

  • Parcel number: 0311N03032000

Features

  • Exterior features: Cement / Concrete
  • On waterfront: 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
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Strong Wind
Wildfire
Winter Weather
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 $4,045$48,540
Home Insurance *$620$7,440
Property Taxes $393$4,716
Electricity $192$2,304
Total$5,250$63,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$180,000/yr
40% on housing$157,500/yr
45% on housing$140,000/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

$479This listing

vs Other Active Listings

Avg $/sqft

ZIP 39571$226
Harrison County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 39571$241
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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$819,900
2026-04-09Price change$839,900
2026-03-28Listed for sale$850,000

For Sale by Owner

AgentProperty Owner

Similar Homes