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2013 Pointe Clear Dr, Biloxi, MS, 39531

5beds
5baths
3,826sqft
$640,000
$167price/sqft
$4,943/moest. monthly cost
$197,720/yrincome needed

About This Home

Located in the desirable Bent Oaks subdivision, this 3,826 sq ft home offers 5 bedrooms, 3 full baths, and 2 half baths with a layout designed for both comfort and function. Features include soaring ceilings, natural light, a spacious living area with fireplace and built-ins, formal dining, and a well-equipped kitchen with granite countertops, stainless appliances, and a large island. The primary suite includes a generous bedroom, spa-style bath, and walk-in closet. Additional highlights include a dedicated office, versatile bonus room, mature landscaping, and a two-car garage. The spacious backyard offers endless possibilities whether you envision a pool, outdoor kitchen, or expanded patio. Just minutes from shopping, dining, top schools, and the area's beautiful beaches, this home offers space, convenience, and an excellent Biloxi location.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
8/10
9/10
Biloxi High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Oven,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,826
  • Total interior livable area: 3,826 sqft

Property

Details

  • Parcel number: 1210c01005.061

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Private Yard

Lot

  • Lot size: 0.43 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Cold Wave
Heat Wave
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Harrison 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 $3,236$38,832
Home Insurance *$1,038$12,456
Property Taxes $314$3,768
Electricity $355$4,269
Total$4,943$59,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,474/yr
40% on housing$148,290/yr
45% on housing$131,813/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 39531$163
Harrison County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 39531$127
Harrison County$147

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
2026-03-07Price change$660,000
2026-02-12Price change$665,000
2026-02-01Price change$675,000
2025-11-20Listed for sale$698,500
2025-05-15Listing removed$585,999
2025-05-02Price change$585,999
2025-04-29Price change$589,999
2025-02-19Price change$599,999
2025-02-12Listed for sale$605,000
2025-02-04Listing removed$625,000
2025-01-11Price change$625,000
2024-08-05Price change$650,000
2024-06-07Listed for sale$698,000
2019-09-13Sold--
2019-03-27Price change$469,000
2018-11-06Price change$476,000
2018-09-14Listed for sale$481,000
2015-06-22Listing removed$2,400
2015-06-16Price change$2,400
2015-05-21Listed for rent$2,500
2013-12-16Listing removed$449,900
2013-08-14Price change$449,900
2012-11-08Price change$479,000
2012-07-18Price change$494,000
2012-05-20Listed for sale$509,000

For Sale by Agent

AgentAmber L Thomas
BrokerageColdwell Banker Alfonso Realty-Lorraine Rd

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