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642 N Beach Blvd, Bay Saint Louis, MS, 39520

5beds
4baths
2,840sqft
$1,345,000
$474price/sqft
$9,622/moest. monthly cost
$384,880/yrincome needed

About This Home

Stunning waterfront property with beautiful views of the Bay of Saint Louis. This is coastal living at its finest! The inviting living space is accentuated with 10' ceilings, French doors, recessed lighting, a ceiling fan, and an electric fireplace. The charming dining area is adorned with an elegant chandelier that sets the perfect tone for both special occasions and everyday dining. Entertain in grand style in the gourmet kitchen with gas range, armoire style refrigerator, dishwasher, custom cabinets, marble countertops, and high-end plumbing fixtures. The large primary bedroom en suite is also located on the main living level. The bedroom offers views of the Bay and a vaulted ceiling, while the spa bathroom features double sinks with marble counter tops, a soaking tub, and a walk-in shower with marble tile. This suite also includes 2 closets. On the main living level, you will also find a guest bedroom and full guest bathroom. There is also a spacious laundry room on the main level. Upstairs you will find 3 additional guest bedrooms and 2 additional full baths. Each guest bathroom suite is complete with high-end plumbing finishes and upscale lighting fixtures. A second washer and dryer hook up is conveniently located in the upstairs hallway closet. The front porch boasts gorgeous coastal views through ancient oaks. Additional features include: Luxury vinyl plank flooring throughout. Hardi plank exterior, metal roof, and concrete columns. Tankless hot water heater. Space to add an interior elevator and an exterior cargo lift to main living floor. Home Builder: Magelland. Whether you seek a restful retreat or look forward to hosting fun weekend house parties, this home has it all!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
8/10
9/10
Bay High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Disposal,Microwave,Refrigerator,Tankless Water Heater,Wine Refrigerator
  • Laundry features: Laundry Room,Main Level,Multiple Locations,Upper Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Ceiling Fan(s),Crown Molding,High Ceilings,Kitchen Island,Soaking Tub,Double Vanity
  • Window features: Vinyl Clad
  • Flooring: Vinyl,Tile
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Natural Gas
  • Cooling features: Electric,Multi Units

Interior Area

  • Total structure area: 2,840
  • Total interior livable area: 2,840 sqft

Property

Details

  • Parcel number: 149c020075.002

Features

  • Levels: Two
  • Stories: 2
  • 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: Bay,Beach Front,Waterfront

Lot

  • Lot size: 0.50 Acres
  • Features: Near Beach,Views

Parking

  • Parking features: 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
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Cold Wave
Heat Wave
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 $6,801$81,612
Home Insurance *$1,818$21,816
Property Taxes $739$8,868
Electricity $264$3,168
Total$9,622$115,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$329,897/yr
40% on housing$288,660/yr
45% on housing$256,586/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

$474This listing

vs Other Active Listings

Avg $/sqft

ZIP 39520$166
Hancock County$154

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)

No zestimate history available

Price History

DateEventPrice
2026-05-01Price change$1,345,000
2025-08-18Listed for sale$1,395,000

New Construction

AgentJeanne W Baxter
BrokerageJohn McDonald Realty, LLC

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