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4254 1st Ave, Bay Saint Louis, MS, 39520

2beds
1baths
720sqft
$195,000
$271price/sqft
$1,548/moest. monthly cost
$61,920/yrincome needed

About This Home

This beautiful cottage offers versatile living with a covered porch, private dock, and direct canal access for boating and fishing. Spacious outdoor areas feature concrete pads for entertaining, ample covered parking beneath, and a grassy yard convenient for coastal relaxation. Built in 2011 with open-concept interiors, laminate flooring, and multiple bedrooms across the structure, this Shoreline Park gem blends classic camp charm with modern convenience, just minutes from beaches, Old Town shops, and dining.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

10/10
8/10
9/10
Bay High SchoolGrades 9-123.5 mi

Construction

Condition

  • Property condition: Move In Ready
  • Year built: 1990

Materials

  • Foundation: Raised
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Refrigerator,Dryer,Electric Range,Refrigerator,Washer,Washer/Dryer,Water Heater
  • Laundry features: Common Area,In Kitchen

Bathroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Eat-in Kitchen,Kitchen Island,Open Floorplan
  • Window features: Blinds
  • Flooring: Laminate,Simulated Wood

Heating & Cooling

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

Interior Area

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

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 138d028315.000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch,Patio
  • Exterior features: See Remarks
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: River Front

Lot

  • Lot size: 10,018 sqft
  • Features: Landscaped,Many Trees,Views

Parking

  • Total spaces: 2
  • Parking features: Carport,Direct Access
  • Covered spaces: 2
  • 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 $986$11,832
Home Insurance *$263$3,156
Property Taxes $107$1,284
Electricity $192$2,304
Total$1,548$18,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,074/yr
40% on housing$46,440/yr
45% on housing$41,280/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

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 39520$174
Hancock County$158

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
2026-05-16Listed for sale$195,000
2026-05-06Listing removed$195,000
2026-03-29Price change$195,000
2026-01-05Listed for sale$200,000
2025-10-29Listing removed$215,000
2025-09-18Price change$215,000
2025-08-05Listed for sale$220,000
2025-06-11Listing removed$1,900
2025-04-26Listed for rent$1,900
2025-03-31Listing removed$2,000
2025-03-10Listed for rent$2,000
2023-08-26Listing removed--
2023-06-12Listed for rent$2,200
2023-06-04Listing removed--
2023-05-12Listed for rent$2,200
2023-04-29Listing removed--
2023-02-08Listed for rent$2,200

For Sale by Agent

AgentJacques A Alfonso
BrokerageReve Realtors

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