4048 N Sumatra St, Bay Saint Louis, MS, 39520
About This Home
This beautiful Coastal Home offers a timeless blend of Charm and an open concept floor plan with Hurricane Impact Windows allowing Natural Light with a gorgeous view of the water and marsh. Boasting 4-bedrooms and 3-baths, this home has 2 master suites, 10 ft ceilings, 8 ft doors, custom cabinets, granite counter tops, S/S appliances with a gas stove, walk-in tile shower with free standing tub in one master suite, luxury vinyl plank flooring, large porch, mid-level deck for entertaining, two-level storage room, plenty of space underneath home for crawfish boils and cookouts, 40 ft boat house, new vinyl bulkhead and many more amenities. You are approximately one minute out to open water and approximately 10 to 15 minutes to Bay St Louis Harbor where you can enjoy fine dining and entertainment. If you enjoy going to the city, you will be approximately 50 miles from New Orleans. Come and enjoy all that this Charming Coastal Town has to offer!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Pilings/Steel/Wood
- Roof: Architectural Shingles
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Built-In Gas Range,Dishwasher,Disposal,Microwave
- Laundry features: Electric Dryer Hookup,Laundry Closet,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Bar,Ceiling Fan(s),Crown Molding,Double Vanity,Granite Counters,High Ceilings,Pantry,Recessed Lighting,Soaking Tub,Walk-In Closet(s)
- Flooring: Vinyl
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 2,050
- Total interior livable area: 2,050 sqft
Property
Details
- Parcel number: 135m039202.000
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Porch,Rear Porch
- Exterior features: None
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Bayou,Seawall,Canal Front,Ocean Access,River Access,Waterfront
Lot
- Lot size: 8,276 sqft
- Features: Cleared,Level,Views
- Lot size dimensions: 65 x 103.66 x 90.39 x 100
Parking
- Total spaces: 2
- Parking features: Covered,Direct Access,Concrete
- 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
- Hurricane
- Lightning
- Cold Wave
- Heat Wave
- Inland Flooding
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Hancock County and Mississippi
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,194 | $50,328 |
| Home Insurance * | $1,121 | $13,452 |
| Property Taxes | $456 | $5,472 |
| Electricity | $192 | $2,304 |
| Total | $5,963 | $71,556 |
Income You'd Need if You Spent...
Mississippi FAIR Plan Programs
Mississippi Residential Property Insurance Underwriting Association
Wildfire
Hail
WindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-06 | Price change | $859,500 |
| 2026-02-12 | Listed for sale | $879,500 |
View on Zillow