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4194 Baffin St, Bay Saint Louis, MS, 39520

5beds
5baths
3,400sqft
$1,530,000
$450price/sqft
$10,961/moest. monthly cost
$438,440/yrincome needed

About This Home

Experience the epitome of southern, costal living and entertaining at 4194 Baffin Street! Situated on a double lot with canal access directly into the Jourdan River, this home is located in sportsman's paradise. Masterfully crafted and designed to host and house large groups, there were no details spared in this residence. The kitchen features custom cabinets, Cafe' line stainless steel appliances, Quartz counter tops, and designer lighting for a truly luxurious and timeless feel. The kitchen graciously pours into the open concept living and dining area with an additional bar area thoughtfully designed for the entertainer. The main floor is filled with natural light from windows and sliders for a bright and airy feel that carries throughout the home and seamlessly blends the large, outdoor living area with the interior of the home! The floor plan was idyllically designed for large families or multiple owners and features two primary suites equipped with dual vanities and large, custom closets as well as a third full bedroom with ensuite bath and walk-in closet all located on the main floor. Off off the kitchen hallway is the well appointed laundry room with ample cabinet space and additional supply closet as well as powder bathroom. On the second floor, you will find two additional bedrooms, one with built-in bunk nooks, and an additional hallway bunk nook as well as large bathroom with dual vanity and private bath area. The second floor also features two decked out and climate controlled storage rooms that can easily be converted to full living space. The exterior of the home features a bulkhead with boat house and lift as well as a small, private boat launch and has endless opportunities for future development of a pool and outdoor kitchen/bar area. This home is being offered for sale fully furnished with the only exclusions being custom artwork.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
8/10
9/10
Bay High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Move In Ready
  • Year built: 2025

Materials

  • Foundation: Pilings/Steel/Wood
  • Roof: Metal,Other
  • Construction materials: Board & Batten Siding,HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Freezer,Built-In Gas Range,Built-In Refrigerator,Instant Hot Water,Microwave,Range Hood,Stainless Steel Appliance(s),Washer/Dryer,Wine Cooler
  • Laundry features: Laundry Room,Main Level

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bathroom

  • Level: Upper

Bedroom

  • Level: Main

Bedroom

  • Level: Upper

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Bar,Built-in Features,Ceiling Fan(s),Double Vanity,High Ceilings,Kitchen Island,Open Floorplan,Pantry,Primary Downstairs,Sound System,Wet Bar,Other
  • Door features: Dead Bolt Lock(s),Sliding Doors
  • Window features: Storm Window(s)
  • Flooring: Vinyl,Tile
  • Fireplace features: Decorative,Living Room,Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Central Air,Other

Interior Area

  • Total structure area: 3,400
  • Total interior livable area: 3,400 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 135m039078.000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch
  • Exterior features: Balcony,Boat Slip
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Boat Launch,Seawall,Canal Front,River Access

Lot

  • Lot size: 0.43 Acres
  • Features: Corner Lot,Irregular Lot
  • Lot size dimensions: 170 x 206 x 85 x 120

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete,Storage,Other
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $7,736$92,832
Home Insurance *$2,068$24,816
Property Taxes $841$10,092
Electricity $316$3,793
Total$10,961$131,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$375,805/yr
40% on housing$328,830/yr
45% on housing$292,293/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

$450This listing

vs Other Active Listings

Avg $/sqft

ZIP 39520$166
Hancock County$154

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
2026-07-22Price change$1,530,000
2026-06-17Listed for sale$1,580,000
2015-07-08Sold--

For Sale by Agent

AgentChloe L Conravey-Albert
Brokerage1 Percent Lists Realty Professionals, LLC

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