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1229 Kensington Dr, Biloxi, MS, 39530

2beds
2baths
1,611sqft
$299,500
$186price/sqft
$2,331/moest. monthly cost
$93,240/yrincome needed

About This Home

Welcome home to beautiful Biloxi near the Back Bay! Situated on a high corner lot with picturesque water views, this charming property features a main home plus a versatile guest cottage. Mature oak trees draped with Spanish moss add timeless coastal character. The main home is a 2-bedroom, 2-bath residence offering a flexible bonus room ideal for a home office, craft space, storage, or additional sleeping area (no closet). Cosmetic updates may be desired and are reflected in the price, while the home remains comfortable and livable as-is. The 3-tab roof on the main house is approximately 14 years old. A newer Trane HVAC system was installed on 9/20/22 by Ball Heating & Air. The detached guest cottage (approx. 390 sq ft) is currently occupied and offers excellent flexibility—perfect as an art studio, in-law suite, or additional living space. It features a mini-split system serviced on 10/14/25 by Foster's A/C, and the roof was replaced in August 2024 by Byron Construction. A metal storage building conveys with the sale. Located in a desirable neighborhood surrounded by lovely homes, this property offers charm, flexibility, and opportunity. Home(s) will be sold ''As Is, Where Is,'' but are solid, full of potential, and ready for your personal touch. Don't miss this opportunity to make these home(s) your own. Call your trusted Realtor today to schedule a showing. Seller is ready to review any and all offers — so act fast! Don't let these home(s) be the one that got away!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
8/10
9/10
Biloxi High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1940

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Free-Standing Refrigerator

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,611
  • Total interior livable area: 1,611 sqft

Property

Details

  • Parcel number: 1309o02010.000

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Other

Lot

  • Lot size: 0.27 Acres

Parking

  • Total spaces: 1
  • Parking features: Carport,Concrete,Other
  • Covered spaces: 1
  • 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
  • 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 $1,514$18,168
Home Insurance *$478$5,736
Property Taxes $147$1,764
Electricity $192$2,304
Total$2,331$27,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,920/yr
40% on housing$69,930/yr
45% on housing$62,160/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 39530$140
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)

Price History

DateEventPrice
2026-03-10Price change$324,500
2026-01-22Price change$379,400
2026-01-08Listed for sale$399,900

For Sale by Agent

AgentMaria A Picolo
BrokerageCentury 21 Busch Realty Group

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