4121 Dolphin St, Bay Saint Louis, MS, 39520
About This Home
Waterfront living in Bay St. Louis. Includes parcel #138E-0-28-106.000. Take advantage of a rare opportunity to own a waterfront property in one of Mississippi's most beloved coastal communities. This home offers direct water access and captures the true essence of Gulf Coast living--perfect for boating, fishing, kayaking, or simply enjoying peaceful water views right from your own backyard. Located on a quiet street, yet just minutes from Old Town Bay St. Louis, beaches, dining, shopping, and entertainment. Whether you're searching for a primary residence, vacation getaway, or investment property, this waterfront home delivers location, lifestyle, and potential. Don't miss your chance to enjoy coastal living at its finest. Four waterfront lots with boat launch, bulkhead, and pier. Stainless steel table for cleaning fish and sink under home. Private 40x40 boat launch. Metal roof 2 years old. There is also a water well on property. Few more extras include: Private dock with 60' bulkhead, addition on the first story has 8'' concrete floors, 2x6 walls with spray foam insulation throughout home. Second floor custom build out. Beautifully handmade ceilings and staircase. Some steel construction. Must see!! Sellers are anxious to sell. View today, bring offer.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 2001
Materials
- Foundation: Pilings/Steel/Wood,Pillar/Post/Pier
- Roof: Metal
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: See Remarks
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Laundry features: Main Level
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Cathedral Ceiling(s),Eat-in Kitchen,Natural Woodwork,Open Floorplan,Storage,Vaulted Ceiling(s)
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 1,276
- Total interior livable area: 1,276 sqft
Property
Details
- Parcel number: 138e028105.000
Features
- Levels: Multi/Split
- Patio & porch: Front Porch,Slab
- Exterior features: Dock,Lighting,Private Yard
- Fencing: Partial
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Boat Dock,Boat Launch,Seawall,Canal Front,Gulf Access,River Access,River Front,Waterfront
Lot
- Lot size: 4,791 sqft
- Features: Cleared,Few Trees,Front Yard,Interior Lot,Landscaped,Level,Open Lot,Views
Parking
- Parking features: Driveway,Private,Circular Driveway,Gravel
- Has uncovered spaces: Yes
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 | $1,562 | $18,744 |
| Home Insurance * | $417 | $5,004 |
| Property Taxes | $169 | $2,028 |
| Electricity | $192 | $2,304 |
| Total | $2,340 | $28,080 |
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 |
|---|---|---|
| 2026-04-24 | Price change | $309,000 |
| 2026-03-18 | Price change | $319,000 |
| 2025-12-24 | Listed for sale | $339,000 |
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