4229 21st Ave, Bay Saint Louis, MS, 39520
About This Home
Welcome to Palm Cove, positioned just off the water on three generously sized lots with +/- 150 water frontage, this well-appointed 2-bedroom, 2-bath coastal retreat offers direct access to Bayou La Croix and the Gulf, making it an ideal setting for those who embrace life on the water. Thoughtfully designed for boating enthusiasts, the property features a private boat launch, covered boat storage, and multiple carport spaces to accommodate vehicles and recreational equipment. The ground level offers abundant storage, a shaded area for relaxing or entertaining, and a gated side yard perfect for pets or securing kayaks, jet skis, and other outdoor essentials. Surrounded by mature trees, the property provides a sense of privacy while maintaining its strong connection to the waterfront lifestyle. An expansive porch welcomes you upstairs into a bright and airy interior defined by soaring vaulted ceilings and an open-concept layout. The spacious living room flows seamlessly into an updated kitchen complete with custom cabinetry, a breakfast bar, and ample workspace, creating a functional and inviting environment for everyday living and entertaining. A dedicated laundry room offers additional storage and convenience. The home is filled with natural light throughout, enhancing its relaxed coastal feel. Whether you are searching for a primary residence, weekend getaway, or investment opportunity, this property delivers versatility, comfort, and exceptional access to the water. A furniture list is available with an acceptable offer.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Move In Ready
- Year built: 2002
Materials
- Foundation: Pilings/Steel/Wood
- Roof: Architectural Shingles
- Construction materials: Vinyl,Siding
Type & Style
- Home type: SingleFamily
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Microwave,Refrigerator
- Laundry features: In Kitchen,Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Beamed Ceilings,Breakfast Bar,Ceiling Fan(s),Pantry,Vaulted Ceiling(s),Walk-In Closet(s)
- Flooring: Carpet,Ceramic Tile,Hardwood
Heating & Cooling
- Heating features: Ceiling,Central,Electric,Heat Pump
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 1,300
- Total interior livable area: 1,300 sqft
Property
Details
- Parcel number: 135n139109.001
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Front Porch,Porch
- Exterior features: Dock,Dog Run
- Fencing: Wood,Fenced
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Bayou,Boat Launch,Seawall,Canal Front,Gulf Access,River Access,Waterfront
Lot
- Lot size: 0.34 Acres
- Features: Front Yard,Level,Views
Parking
- Total spaces: 3
- Parking features: Carport,Concrete,Covered,Driveway
- Covered spaces: 3
- Has uncovered spaces: Yes
- Carport: Yes
- Carport spaces: 3
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 | $2,073 | $24,876 |
| Home Insurance * | $554 | $6,648 |
| Property Taxes | $225 | $2,700 |
| Electricity | $192 | $2,304 |
| Total | $3,044 | $36,528 |
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 |
|---|---|---|
| 2026-05-05 | Listed for sale | $410,000 |
| 2022-04-28 | Sold | -- |
| 2022-03-18 | Pending sale | $359,900 |
| 2022-02-14 | Listed for sale | $359,900 |
| 2020-02-27 | Sold | -- |
| 2020-01-24 | Listed for sale | $224,900 |
| 2017-03-23 | Sold | -- |
| 2017-02-16 | Pending sale | $165,000 |
| 2017-02-15 | Listed for sale | $165,000 |
| 2013-01-03 | Listing removed | $149,500 |
| 2012-11-06 | Price change | $149,500 |
| 2012-10-14 | Listed for sale | $159,000 |
| 2012-07-03 | Listing removed | $179,000 |
| 2012-06-08 | Price change | $179,000 |
| 2012-04-25 | Listed for sale | $189,000 |
| 2010-03-14 | Listing removed | $169,000 |
| 2010-02-26 | Listed for sale | $169,000 |
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