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186 Summer Pl, Biloxi, MS, 39530

2beds
1baths
1,250sqft
$188,500
$151price/sqft
$1,538/moest. monthly cost
$61,520/yrincome needed

About This Home

Charming Beachside Bungalow in Biloxi - Perfect for Coastal Living! Welcome to your dream coastal retreat! Nestled at 186 Summer Place in Biloxi, MS. This delightful 1,247 square foot Bungalow offers the perfect blend of comfort, convenience, and coastal charm. Boasting 2 spacious bedrooms and 1 well-appointed bath. Enjoy no parking issues with two separate driveways and one carport. Live the best of both worlds with a location that is just a leisurely stroll away from the beautiful MS Gulf Coast beaches and the prestigious Keesler Air Force Base. Whether you're looking to enjoy leisurely beach days, engaging outdoor activities, or commuting to work, this bungalow places you right at the center of it all. Upon entering you'll be welcomed by a bright and airy living area that sets the tone for relaxation. Large windows flood the space with natural light, highlighting the cozy atmosphere perfect for gathering with family and friends. The well-designed kitchen features ample counter space and cabinetry, making it a joy for the home cook. Whether you're whipping up a quick meal or entertaining guests, this kitchen is equipped to handle it all. Retreat to the two generously-sized bedrooms along with a bonus room designed with comfort and tranquility in mind. Each room is versatile, perfect for a guest room, home office, or personal sanctuary. Step outside to discover a quaint yard that invites outdoor living and entertaining. Imagine sipping your morning coffee on the porch or hosting barbecues on warm summer evenings, all while basking in the fresh sea breeze. Experience the vibrant lifestyle that Biloxi has to offer. From beachfront activities to local dining and shopping, living here means having a wealth of amenities right at your fingertips. Enjoy the renowned casinos, golf courses, and cultural attractions that make this area a sought-after destination. Whether you're a first-time homebuyer, an investor looking for a rental property, or seeking a seasonal getaway, this bungalow presents a fantastic opportunity to own a piece of beautiful Biloxi. Two Driveways one on each side of the home. Also, one Driveway has a Covered Carport area. This bungalow is being sold as is. Don't miss the chance to make this charming bungalow your new home! With its prime location, comfortable living spaces, and potential for investment, 186 Summer Place is more than just a house; it's a lifestyle waiting for you to embrace. Schedule your private showing today and experience the magic of coastal living firsthand!

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

6/10
8/10
9/10
Biloxi High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1950

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Portable Dishwasher,Range Hood

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Eat-in Kitchen,Pantry
  • Flooring: Carpet

Heating & Cooling

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

Interior Area

  • Total structure area: 1,250
  • Total interior livable area: 1,250 sqft

Property

Details

  • Parcel number: 1310k02031.000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch
  • Exterior features: None
  • Fencing: Back Yard,Chain Link,Partial

Lot

  • Lot size: 7,840 sqft
  • Features: Cleared,Near Beach

Parking

  • Total spaces: 1
  • Parking features: Carport,Driveway,See Remarks,Concrete
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
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 $953$11,436
Home Insurance *$301$3,612
Property Taxes $92$1,104
Electricity $192$2,304
Total$1,538$18,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,731/yr
40% on housing$46,140/yr
45% on housing$41,013/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

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 39530$141
Harrison County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 39530$113
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
2025-10-13Price change$188,500
2025-09-30Price change$193,500
2025-09-13Price change$198,500
2025-09-03Listed for sale$205,500

For Sale by Agent

AgentNatalie J Olier
BrokerageEpique

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