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842 Deer Dr, Bay Saint Louis, MS, 39520

5beds
4baths
3,104sqft
$895,000
$288price/sqft
$6,514/moest. monthly cost
$260,560/yrincome needed

About This Home

Welcome to your ultimate waterfront retreat. Perfectly positioned along the canal with approximately +/- 150 feet of waterfrontage, this fully furnished property offers an exceptional blend of space, comfort, and true coastal living. Featuring 5 bedrooms and 4 bathrooms, including two ensuite bedrooms, the thoughtfully designed split floor plan provides both privacy and flexibility for family and guests. An attached second living area with its own bedroom and bathroom creates an ideal setup for visitors or family. As you enter the home, you are welcomed by a bright and inviting sunroom filled with natural light, creating the perfect place to enjoy your morning coffee or unwind after a day on the water. The home then opens into a spacious main living area highlighted by soaring beamed ceilings and an open, airy layout that makes everyday living and entertaining feel effortless. The outdoor space is truly where this property shines. Spend your days relaxing by the pool, launching your boat from your private boat launch, or keeping it protected in the boathouse. There is abundant storage underneath the home for beach gear, fishing equipment, and water toys, making it easy to stay organized and ready for your next adventure. The downstairs bar and entertaining area are built for gathering with family and friends, while swings and dockside seating create the perfect setting to slow down and enjoy the waterfront lifestyle. With just a quick two-minute boat ride to the Jourdan River and Bay and a short drive to Old Town Bay St. Louis, the location offers both convenience and endless recreation. This is more than a home. It is a true coastal escape designed for making memories.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
8/10
9/10
Bay High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Pilings/Steel/Wood,Raised
  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Oven,Refrigerator,Washer,Washer/Dryer
  • Laundry features: In Hall

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Beamed Ceilings,Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,High Ceilings,In-Law Floorplan,Natural Woodwork,Open Floorplan,Pantry,Primary Downstairs,Soaking Tub,Double Vanity,Granite Counters
  • Flooring: Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 3,104
  • Total interior livable area: 3,104 sqft

Property

Details

  • Parcel number: 138a046019.000

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Front Porch,Porch,Screened,Wrap Around
  • Exterior features: Dock,Fire Pit,Outdoor Kitchen
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Canal Front

Lot

  • Lot size: 0.37 Acres
  • Features: Rectangular Lot,Views

Parking

  • Total spaces: 5
  • Parking features: Carport,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 6
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 4

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
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Cold Wave
Heat Wave
Inland Flooding
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Hancock 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 $4,525$54,300
Home Insurance *$1,209$14,508
Property Taxes $492$5,904
Electricity $288$3,463
Total$6,514$78,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$223,337/yr
40% on housing$195,420/yr
45% on housing$173,706/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.4%
3.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 39520$170
Hancock County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 39520$180
Hancock County$161

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
2026-03-27Listed for sale$895,000
2026-03-25Listing removed$899,900
2025-07-17Price change$899,900
2025-05-21Price change$995,900
2025-03-20Listed for sale$949,900
2025-01-27Listing removed$995,900
2024-10-09Listed for sale$995,900
2024-09-30Listing removed$995,900
2024-06-24Listed for sale$995,900
2024-06-23Listing removed$995,900
2024-04-11Listed for sale$1,049,900
2024-04-01Listing removed--
2024-02-20Listed for sale$1,089,900
2023-12-01Listing removed--
2023-10-19Listed for sale$1,089,900
2023-09-25Pending sale$1,089,900
2023-09-14Listed for sale$1,089,900
2019-08-12Sold--
2019-07-21Pending sale$579,000
2019-07-09Listed for sale$579,000
2018-05-28Listing removed$379,000
2018-04-05Price change$379,000
2017-09-29Listed for sale$399,000
2014-06-19Sold--

For Sale by Agent

AgentHolly Lemoine Raymond
BrokerageHL Raymond Properties, LLC

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