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15012 Mary St, Kiln, MS, 39556

5beds
4baths
2,365sqft
$450,000
$190price/sqft
$3,185/moest. monthly cost
$127,400/yrincome needed

About This Home

Discover your dream waterfront oasis in this spacious 5-bedroom, 3.5-bath home with new A/C, nestled along a deep and wide canal just moments from the picturesque Jourdan River. This property, spanning two lots, promises endless outdoor possibilities. Step onto the expansive balcony to savor breathtaking water vistas, or venture indoors to the generous family room and bar area, perfect for hosting gatherings. With a no-wake zone, this location is ideal for kayaking, paddleboarding, or simply unwinding amidst nature's tranquility. Bulkhead was just redone! Whether you envision it as your personal haven or a short-term rental gem, seize this opportunity today! Schedule a viewing now to secure this stunning waterfront retreat. New Bulkhead in 2024 (a must see) - Funishings can remain with home - Be sure to ask for details!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
6/10
Hancock Middle SchoolGrades 6-81.4 mi
8/10
Hancock High SchoolGrades 9-121.6 mi

Construction

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Granite Counters,High Ceilings,Wet Bar
  • Flooring: Simulated Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 2,365
  • Total interior livable area: 2,365 sqft

Property

Details

  • Parcel number: 069m131307.000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: None
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: Canal Front,River Access

Lot

  • Lot size: 0.28 Acres
  • Features: Views

Parking

  • Parking features: Covered,Driveway
  • 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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Drought
Hail
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 $2,275$27,300
Home Insurance *$444$5,328
Property Taxes $247$2,964
Electricity $219$2,638
Total$3,185$38,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,200/yr
40% on housing$95,550/yr
45% on housing$84,933/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

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 39556$168
Hancock County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 39556$163
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
2026-06-15Listed for sale$450,000
2024-09-12Listing removed$439,000
2023-08-11Price change$439,000
2023-07-07Price change$449,000
2023-04-05Listed for sale$499,000
2022-11-28Listing removed--
2022-07-16Listed for sale$549,999

For Sale by Agent

AgentCraig K Mirambell
BrokerageMirambell Realty, LLC

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