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112 Spruce St, Pass Christian, MS, 39571

3beds
2baths
1,156sqft
$219,000
$189price/sqft
$1,888/moest. monthly cost
$75,520/yrincome needed

About This Home

Welcome to 112 Spruce Street, a delightful property that blends comfort, functionality, and charm. This well-maintained home offers a spacious layout with abundant natural light, creating a warm and inviting atmosphere throughout. The interior features generously sized living areas, perfect for both everyday living and entertaining. The kitchen provides ample cabinet and counter space, making meal preparation a breeze, while the adjoining dining area offers a cozy setting for gatherings. The bedrooms are comfortably sized, offering flexibility for family, guests, or a home office. Outside, you'll find a yard with plenty of potential—ideal for relaxing, gardening, or hosting outdoor activities. Conveniently located near shopping, dining, and local amenities, this home offers both comfort and accessibility. Whether you're a first-time buyer, downsizing, or looking for an investment opportunity, 112 Spruce Street is full of potential.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
9/10

Construction

Condition

  • Property condition: Move In Ready
  • Year built: 2007

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Asphalt
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Ice Maker,Microwave,Oven,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Walk-In Closet(s)
  • Flooring: Ceramic Tile,Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 1,156
  • Total interior livable area: 1,156 sqft

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 0313e01024.002

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch
  • Exterior features: See Remarks
  • On waterfront: Yes
  • Waterfront features: Beach Access

Lot

  • Lot size: 8,276 sqft

Parking

  • Parking features: Driveway,Paved
  • 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
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 $1,107$13,284
Home Insurance *$169$2,028
Property Taxes $420$5,040
Electricity $192$2,304
Total$1,888$22,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,731/yr
40% on housing$56,640/yr
45% on housing$50,346/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

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 39571$233
Harrison County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 39571$241
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
2026-04-29Price change$224,900
2026-04-20Listed for sale$217,000
2026-04-08Listing removed--
2026-01-08Listed for sale$217,000
2025-12-23Listing removed--
2025-06-22Listed for sale$218,000
2025-05-21Listing removed--
2024-11-16Listed for sale$219,000
2021-10-13Listing removed--
2021-08-03Listed for sale$174,900
2020-02-03Listing removed$1,100
2020-01-03Price change$1,100
2019-12-26Listed for rent$1,200
2018-09-07Listing removed$1,100
2018-09-06Price change$1,100
2018-08-24Price change$1,050
2018-07-27Price change$1,100
2018-06-27Price change$1,300
2018-06-21Listed for rent$1,200
2018-06-15Listing removed$96,000
2017-12-20Price change$96,000
2017-09-22Price change$101,000
2017-05-04Price change$112,000
2017-03-02Listed for sale$115,000

For Sale by Agent

AgentBenji L McLain
BrokerageExpect Realty

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