109 Fernwood Dr, Pass Christian, MS, 39571
About This Home
Experience the best of coastal and golf course living in this beautifully designed 4-bedroom, 3-bath home located on the semi-private 18-hole Pass Christian Isles Golf Course in the desirable Timber Ridge subdivision. This spacious 2,278 sq. ft. residence features an in-law floor plan with two primary bedrooms, each offering its own en suite bathroom, ideal for multi-generational living or hosting guests in comfort and privacy. A three-car garage provides ample space for vehicles, storage, and your golf cart—with a convenient rear golf cart access. As a Timber Ridge resident, you'll enjoy access to an array of community amenities, including a saltwater swimming pool with bathhouse, tennis/basketball courts, and a playground. You'll also love Treasure Point, the community's private recreational area featuring a boat launch, pavilion, picnic area, fish cleaning station, playground, and restrooms — perfect for enjoying the coastal lifestyle. Located on the Mississippi Gulf Coast, Timber Ridge offers the perfect blend of peaceful golf course living and easy access to the Gulf and white sand beaches. Whether you're a golf enthusiast, boater, or simply love the relaxed coastal lifestyle, this home offers it all.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1986
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Brick Veneer,Siding,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Electric Range,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Cathedral Ceiling(s),Ceiling Fan(s),Double Vanity,Eat-in Kitchen,Entrance Foyer,Granite Counters,High Ceilings,In-Law Floorplan,Recessed Lighting,Tray Ceiling(s),Walk-In Closet(s)
- Flooring: Carpet,Ceramic Tile
- Fireplace features: Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric,Fireplace(s)
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 2,278
- Total interior livable area: 2,278 sqft
Property
Details
- Parcel number: 0313d09014.000
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Patio
- Exterior features: None
Lot
- Lot size: 0.36 Acres
- Features: On Golf Course,Pie Shaped Lot
- Lot size dimensions: 173 x 138 x 28 x 18 x 139
Parking
- Total spaces: 3
- Parking features: Driveway,Garage Door Opener,Garage Faces Front,Concrete
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Hurricane
- Cold Wave
- Heat Wave
- Lightning
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Harrison County and Mississippi
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,642 | $19,704 |
| Home Insurance * | $252 | $3,024 |
| Property Taxes | $159 | $1,908 |
| Electricity | $211 | $2,541 |
| Total | $2,264 | $27,168 |
Income You'd Need if You Spent...
Mississippi FAIR Plan Programs
Mississippi Residential Property Insurance Underwriting Association
Wildfire
Hail
WindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2025-10-30 | Listed for sale | $349,500 |
| 2022-09-30 | Sold | -- |
| 2022-09-03 | Pending sale | $280,000 |
| 2022-07-18 | Price change | $280,000 |
| 2022-07-15 | Listed for sale | $290,000 |
| 2022-06-23 | Pending sale | $290,000 |
| 2022-06-14 | Price change | $290,000 |
| 2022-05-29 | Price change | $295,000 |
| 2022-04-19 | Listed for sale | $305,000 |
| 2022-03-18 | Sold | -- |
| 2022-02-16 | Pending sale | $315,000 |
| 2022-02-12 | Listed for sale | $315,000 |
| 2017-03-07 | Sold | -- |
| 2017-01-10 | Pending sale | $124,900 |
| 2017-01-06 | Price change | $124,900 |
| 2016-12-22 | Price change | $134,900 |
| 2016-12-01 | Pending sale | $144,500 |
| 2016-11-28 | Listed for sale | $144,500 |
| 2016-11-17 | Pending sale | $144,500 |
| 2016-11-15 | Price change | $144,500 |
| 2016-10-12 | Price change | $159,900 |
| 2016-09-26 | Price change | $166,500 |
| 2016-08-23 | Listed for sale | $176,500 |
| 2016-02-22 | Listing removed | $159,000 |
| 2015-12-15 | Price change | $159,000 |
| 2015-10-27 | Price change | $164,000 |
| 2015-09-26 | Listed for sale | $169,000 |
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