11027 Bay Cove Dr, Bay Saint Louis, MS, 39520
About This Home
Nestled in desirable Bay Cove Estates in Bay St. Louis, this stunning canal-front home offers exceptional water access and coastal living at its finest. Positioned on a scenic canal with an existing bulkhead, the property provides direct boating access to the Jordan River and the wider bay waters, making it ideal for fishing, kayaking, or cruising local waterways right from your home. With easy navigation through the bayou and onto open water, this location brings water recreation and waterfront enjoyment to everyday living.  Step inside to discover soaring cathedral ceilings that create an open, inviting atmosphere, seamlessly connecting the kitchen, dining, and living areas. This is perfect for hosting family gatherings, entertaining friends, or holiday celebrations. The home features 3 bedrooms and 2 bathrooms, providing comfortable space for residents and guests alike. The functional layout enhances natural light and allows for effortless flow throughout the primary living spaces. This home is being sold ''as is,'' offering a fantastic opportunity to personalize and update to your taste. The furniture is negotiable, giving added flexibility for a move-in ready setup or investment staging. With its coveted waterfront location, this property also presents strong potential as a vacation rental or VRBO investment, allowing you to share the Bay St. Louis lifestyle with visitors seeking coastal charm, water access, and proximity to downtown attractions. (The property is serviced by a grinder pump sewer system.)
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2007
Materials
- Foundation: Pillar/Post/Pier,Raised
- Roof: Wood
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Microwave,Refrigerator,Washer/Dryer Stacked
- Laundry features: In Hall
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Cathedral Ceiling(s),Ceiling Fan(s),Eat-in Kitchen,Open Floorplan,Tile Counters,Vaulted Ceiling(s),Double Vanity
- Door features: French Doors,Hinged Patio,Pocket
- Flooring: Carpet,Tile
Heating & Cooling
- Heating features: Central,Electric,Heat Pump
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 1,600
- Total interior livable area: 1,600 sqft
Property
Details
- Parcel number: 135q047031.003
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch
- Exterior features: See Remarks
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Canal Front,Gulf Access,Ocean Access
Lot
- Lot size: 8,276 sqft
- Features: Rectangular Lot,Views
Parking
- Total spaces: 4
- Parking features: Carport,Driveway,Garage Faces Rear,Storage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 4
- Has uncovered spaces: Yes
- Carport: Yes
- Carport spaces: 3
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 | $2,376 | $28,512 |
| Home Insurance * | $635 | $7,620 |
| Property Taxes | $258 | $3,096 |
| Electricity | $192 | $2,304 |
| Total | $3,461 | $41,532 |
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 |
|---|---|---|
| 2026-04-13 | Listed for sale | $499,000 |
| 2021-03-05 | Sold | -- |
| 2021-01-07 | Listed for sale | $369,900 |
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