10450 Mississippi St #603, Bay Saint Louis, MS, 39520
About This Home
Classic elevated coastal cottages at 10450 MS 603 in Bay St. Louis, MS, showcasing timeless charm with a spacious wraparound porch, clean white siding with blue accents, and a large covered area beneath for parking or storage on a nearly 0.5-acre deep-water canal lot. A single-story upper level design maximizes natural light and coastal breezes, while the versatile duplex supports family compounds, guest quarters, or rental income potential! The main single family home is 2 beds and 2 baths with an open layout and spacious porches, plenty of entertaining space under the home, and on the canal! The duplex is incredible for rental income opportunity. Each side is 2 beds. and 1 bath with a large living room and back porch. There is also a basement for entertaining and storage! Enjoy boating, fishing, and quick access to Bay St. Louis beaches, Old Town dining, I-10, and New Orleans, all from this serene Hancock County retreat.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Excellent
- Year built: 1965
Materials
- Foundation: Raised
- Roof: Metal
- Construction materials: Brick,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Bathroom
- Level: Lower
- Dimensions: 11.10x5.3
Bedroom
- Level: Lower
- Dimensions: 11.11x11.2
Bedroom
- Level: Lower
- Dimensions: 11.11x11.2
Bedroom
- Level: Lower
- Dimensions: 11.11x11.2
Bedroom
- Level: Lower
- Dimensions: 12.2x11.8
Bedroom
- Level: Lower
- Dimensions: 13.6x12.3
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 4
Features
- Fireplace features: None
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,381
- Total interior livable area: 2,381 sqft
Kitchen
- Level: Lower
- Dimensions: 12.3x9.1
Laundry
- Level: Lower
- Dimensions: 3.4x5.7
Living Room
- Level: Lower
- Dimensions: 23.11x8.1
Master Bedroom
- Level: Lower
- Dimensions: 9.10x14.10
Property
Details
- Parcel number: 138E028181.000
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Other,Porch
- Exterior features: Dock,Porch
- On waterfront: Yes
- Waterfront features: Waterfront,Bayou
Lot
- Lot size: 0.48 Acres
- Features: City Lot,Rectangular Lot
- Lot size dimensions: 0.48 acres
Parking
- Total spaces: 2
- Parking features: Carport,Two Spaces
- Carport: 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 | $1,466 | $17,592 |
| Home Insurance * | $392 | $4,704 |
| Property Taxes | $159 | $1,908 |
| Electricity | $221 | $2,656 |
| Total | $2,238 | $26,856 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-09 | Listed for sale | $290,000 |
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