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2207 Government St #17, Ocean Springs, MS, 39564

2beds
3baths
1,010sqft
$342,000
$339price/sqft
$2,563/moest. monthly cost
$102,520/yrincome needed

About This Home

Welcome to 2207 Government St #17, beautifully renovated in 2022 - 2-bedroom, 2.5-bathroom cottage in the heart of Ocean Springs! This charming home offers modern updates throughout while maintaining its coastal charm. With stylish finishes, and a well-equipped kitchen, this home is perfect for full-time living, a weekend retreat, or an income-producing short-term rental. Each bedroom boasts its own ensuite bath, ensuring privacy and comfort and a HALF BATH WAS ADDED DOWNSTAIRS. Enjoy relaxing on the front porch or exploring everything Ocean Springs has to offer--just minutes from downtown, beaches, and top dining spots! This home is being sold unfurnished.

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

8/10
9/10
10/10
Ocean Springs High SchoolGrades 9-125.7 mi

Construction

Condition

  • Property condition: Move In Ready
  • Year built: 2011

Materials

  • Foundation: Raised
  • Roof: Metal
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,010
  • Total interior livable area: 1,010 sqft

Property

Details

  • Parcel number: 61058037.000

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: See Remarks

Parking

  • Parking features: Open
  • 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

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Tornado
Cold Wave
Heat Wave
Inland Flooding
Wildfire
Winter Weather
Tsunami

FEMA Declared Disasters in Jackson 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 $1,729$20,748
Home Insurance *$452$5,424
Property Taxes $190$2,280
Electricity $192$2,304
Total$2,563$30,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,874/yr
40% on housing$76,890/yr
45% on housing$68,346/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$339This listing

vs Other Active Listings

Avg $/sqft

ZIP 39564$166
Jackson County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 39564$152
Jackson County$142

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
2026-04-26Price change$349,000
2026-03-21Price change$354,000
2026-01-28Listed for sale$355,000
2025-03-23Listing removed$355,000
2025-03-07Listed for sale$355,000

For Sale by Agent

AgentTracey Ross
BrokerageRain Residential

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