555 Saint John St, Bay Saint Louis, MS, 39520
About This Home
This Bay St. Louis home was taken down to the studs and completely rebuilt. New roof, plumbing, electrical, HVAC, windows, doors, water heater, and subflooring. Every major system has been replaced, meaning none of the big-ticket repairs that come with an older home are on the horizon, giving the buyer the confidence of like-new construction. Also, because it sits in an X flood zone, which is getting more difficult to find on the coast, buyers get peace of mind and affordable insurance costs. The kitchen was built with the chef in mind, with quartz countertops, a large island, stainless steel appliances, and a gas stove. Out back, the porch looks over a newly fenced yard, room enough for pets to run or just to sit outside in the evenings. Downtown Bay St. Louis is a short golf cart ride away to all of Old Town's shops, galleries, and waterfront restaurants, plus the Second Saturday art walk when the streets fill up with music and vendors. It's close enough to leave the car at home and hop on the golf cart for the day.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Move In Ready
- Year built: 1956
Materials
- Foundation: Pillar/Post/Pier
- Roof: Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Crown Molding,Kitchen Island,Primary Downstairs,Recessed Lighting,Tray Ceiling(s)
- Door features: ENERGY STAR Qualified Doors
- Window features: ENERGY STAR Qualified Windows
- Flooring: Wood
- Fireplace features: Electric,Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 1,194
- Total interior livable area: 1,194 sqft
Property
Details
- Parcel number: 137h045093.000
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Porch
- Exterior features: See Remarks
- Fencing: Back Yard,Fenced
Lot
- Lot size: 0.25 Acres
- Features: City Lot
Parking
- Total spaces: 2
- Parking features: Carport,Concrete,Driveway,Paved
- Covered spaces: 1
- Has uncovered spaces: Yes
- Carport: Yes
- Carport 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
- Hurricane
- Lightning
- Cold Wave
- Heat Wave
- Inland Flooding
- Tornado
- Winter Weather
- 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 | $1,764 | $21,168 |
| Home Insurance * | $471 | $5,652 |
| Property Taxes | $191 | $2,292 |
| Electricity | $192 | $2,304 |
| Total | $2,618 | $31,416 |
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 |
|---|---|---|
| 2026-08-06 | Price change | $339,000 |
| 2026-07-01 | Price change | $349,000 |
| 2026-05-06 | Price change | $354,000 |
| 2026-04-13 | Price change | $364,000 |
| 2026-02-26 | Listed for sale | $369,000 |
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