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5089 Atlantis Dr, Bay Saint Louis, MS, 39520

3beds
3baths
2,108sqft
$499,900
$237price/sqft
$3,672/moest. monthly cost
$146,880/yrincome needed

About This Home

Gorgeous waterfront home with all the extras!! Energy efficient built in 2024, 3 bedrooms and 2.5 baths. Spray foam insulation, stainless steel appliances, and an open kitchen-living area filled with ton of windows. Situated above required elevation, sits on a canal that leads to the Jordan River, perfect for boating, kayaking, or enjoying waterfront views. Priced to sell!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
8/10
9/10
Bay High SchoolGrades 9-124.2 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2023

Materials

  • Foundation: Pilings/Steel/Wood
  • Roof: Asphalt
  • Construction materials: Cement Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dryer,Electric Range,Exhaust Fan,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Family Room

  • Level: Main

Features

  • Kitchen Island,Primary Downstairs

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 2,108
  • Total interior livable area: 2,108 sqft

Kitchen

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 134q040094.000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: Boat Dock,Gulf Access,Waterfront

Lot

  • Lot size: 0.29 Acres

Parking

  • Total spaces: 4
  • Parking features: Covered,Driveway
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 4

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 $2,527$30,324
Home Insurance *$675$8,100
Property Taxes $274$3,288
Electricity $196$2,352
Total$3,672$44,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,897/yr
40% on housing$110,160/yr
45% on housing$97,920/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

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 39520$171
Hancock County$156

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
2026-04-08Listed for sale$499,900
2026-03-21Listing removed$519,900
2026-03-16Price change$519,900
2025-11-06Price change$539,900
2025-09-23Price change$550,000
2025-07-23Listed for sale$529,000
2024-07-22Listing removed--
2024-07-07Price change$569,000
2024-04-27Listed for sale$599,000

New Construction

AgentGrace Templet
BrokerageTemplet Realty, LLC

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