Waterfront Investor Special - High-Potential Property with Guest Cottage! Unlock incredible upside with this waterfront gem—an investor's dream overflowing with potential! Whether you are looking to flip, create a rental property, or build sweat equity, this property is ready for its next chapter. The main residence features a flexible layout that can easily be converted back into a 3-bedroom home, maximizing both living space and future value. Situated right on the water, you get the coveted waterfront location with endless possibilities. Adding even more value is a separate guest cottage on the property. With TLC, this bonus structure offers incredible versatility—perfect for a guest suite, workshop, or potential rental income once restored. This property is being sold AS-IS, CASH ONLY. Bring your vision, contractor, and tools to turn this raw potential into a standout waterfront retreat! Please exercise extra caution when entering and touring the guest house due to its current condition.
Active
Price cut: $5.1K (8/24)
$119,900
10095 Peach Tree Dr, Bay Saint Louis, MS 39520
3beds
1,300sqft
Residential, Single Family Residence
Built in 1993
0.31 Acres Lot
$120,600 Zestimate®
$92/sqft
$-- HOA
What's special
Flexible layoutWaterfront locationSeparate guest cottage
- 15 days
- 1,355
- 78
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Jafet A Boykin 228-861-4623,
eAgent Nexus 228-400-2555
Source: MLS United,MLS#: 4159097
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Heating
- Electric
Cooling
- Electric
Appliances
- Included: Free-Standing Electric Range, Water Heater
- Laundry: Inside
Features
- Flooring: Laminate
- Has fireplace: No
Interior area
- Total structure area: 1,300
- Total interior livable area: 1,300 sqft
Video & virtual tour
Property
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Exterior features: None
- On waterfront: Yes
- Waterfront features: Canal Front
Lot
- Size: 0.31 Acres
Details
- Additional structures: Guest House
- Parcel number: 139g029238.001
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Residential, Single Family Residence
Materials
- Siding
- Foundation: Pilings/Steel/Wood
- Roof: Metal
Condition
- Fixer
- New construction: No
- Year built: 1993
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected
Community & HOA
Community
- Subdivision: Harbor Estates
HOA
- Has HOA: No
Location
- Region: Bay Saint Louis
Financial & listing details
- Price per square foot: $92/sqft
- Tax assessed value: $82,961
- Annual tax amount: $803
- Date on market: 8/13/2026
- Electric utility on property: Yes
Estimated market value
$120,600
$115,000 - $127,000
$1,610/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/24/2026 | Price change | $119,900-4.1%$92/sqft |
Source: MLS United #4159097 Report a problem | ||
| 8/13/2026 | Listed for sale | $125,000+66.7%$96/sqft |
Source: MLS United #4159097 Report a problem | ||
| 11/8/2017 | Sold | -- |
Source: MLS United #3318679 Report a problem | ||
| 4/7/2017 | Listed for sale | $75,000+1.4%$58/sqft |
Source: Keller Williams #318679 Report a problem | ||
| 2/17/2017 | Listing removed | $74,000$57/sqft |
Source: GARDNER, REALTORS #305928 Report a problem | ||
| 11/4/2016 | Price change | $74,000-10.7%$57/sqft |
Source: GARDNER, REALTORS - DH #305928 Report a problem | ||
| 8/9/2016 | Listed for sale | $82,900-39.7%$64/sqft |
Source: GARDNER, REALTORS #305928 Report a problem | ||
| 11/4/2011 | Listing removed | $137,500$106/sqft |
Source: Diamondhead Office #238972 Report a problem | ||
| 4/3/2011 | Listed for sale | $137,500$106/sqft |
Source: Diamondhead Office #238972 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $803 -9% | $8,296 -6.7% |
| 2024 | $882 +8.3% | $8,894 +5.5% |
| 2023 | $814 +3.8% | $8,434 |
| 2022 | $784 | $8,434 |
| 2021 | $784 | $8,434 +17.1% |
| 2020 | $784 +19.2% | $7,204 |
| 2019 | $658 | $7,204 |
| 2018 | $658 | $7,204 -32.2% |
| 2017 | $658 -49.5% | $10,631 -5.8% |
| 2016 | $1,302 | $11,282 +8% |
| 2015 | $1,302 +6.4% | $10,447 |
| 2014 | $1,224 +2.8% | $10,447 |
| 2013 | $1,191 -8.8% | $10,447 -8.8% |
| 2012 | $1,305 +3.2% | $11,450 +3.2% |
| 2011 | $1,265 +5.3% | $11,100 |
| 2010 | $1,201 | $11,100 |
| 2009 | $1,201 +81.2% | $11,100 +89.5% |
| 2008 | $663 | $5,858 -11.1% |
| 2005 | -- | $6,591 |
| 2004 | -- | $6,591 |
| 2003 | -- | $6,591 |
| 2002 | -- | $6,591 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 39520
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