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Pending
    • Price cut: $8.9K (5/6)
    $370,000

    4040 Borneo St, Bay Saint Louis, MS 39520

    3beds
    1,518sqft
    : 
    $2,337/mo
    Get pre-qualified
    Residential, Single Family Residence
    Built in 2018
    10,018 Square Feet Lot
    $-- Zestimate®
    $244/sqft
    $-- HOA

    What's special

    Welcome to 4040 Borneo Street in beautiful Bay St. Louis! Built in 2018, this 3-bedroom, 2-bath home blends modern design with coastal charm, making it ideal for full-time living, a weekend getaway, or a lucrative short-term rental opportunity. Perched along the scenic Jordan River, the home features expansive covered front and rear porches--perfect for taking in peaceful water views and unforgettable Gulf Coast sunsets. Inside, you'll find an inviting open layout with contemporary finishes that highlight the home's clean, modern feel. Additional highlights include an outdoor elevator for easy access, a spacious storage area with a shed beneath the home, and plenty of room for boats, kayaks, and all your waterfront gear. The included extra lot provides added privacy, flexibility, and long-term potential--whether you envision additional outdoor space, future building options, or simply more room to enjoy. Located in a USDA-eligible area, this property may qualify for special financing options. Whether you're searching for an income-producing investment or your own private waterfront escape, this opportunity stands out from the rest. Schedule your showing today
    341 days
    |
    329
    |
    18
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Nathan Houston 601-408-0068,

    Expect Realty 228-215-1861

    Source: MLS United,MLS#: 4122982

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Heating
      • Central, Electric
      Cooling
      • Central Air, Electric, Gas
      Appliances
      • Included: Built-In Gas Oven, Built-In Gas Range, Built-In Refrigerator, Disposal, Dryer, Exhaust Fan, Microwave, Self Cleaning Oven, Tankless Water Heater, Washer
      • Laundry: Inside, Laundry Room, Main Level
      Features
      • Bar, Breakfast Bar, Ceiling Fan(s), Crown Molding, Double Vanity, Granite Counters, High Speed Internet, Kitchen Island, Open Floorplan, Soaking Tub, Storage, Walk-In Closet(s)
      • Flooring: Ceramic Tile, Wood
      • Doors: Dead Bolt Lock(s), Double Entry, French Doors, Metal Insulated
      • Windows: Blinds, Double Pane Windows
      • Has fireplace: Yes
      • Fireplace features: Living Room
      Interior area
      • Total structure area: 1,518
      • Total interior livable area: 1,518 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 6
      • Parking features: Attached Carport, Covered, Driveway, Storage, Direct Access, Concrete, Paved
      • Carport spaces: 2
      • Has uncovered spaces: Yes
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Deck, Front Porch, Rear Porch
      • Exterior features: Elevator, Lighting
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      Lot
      • Size: 10,018 Square Feet
      • Features: Cleared, Corner Lot, Front Yard, Level, Views
      Details
      • Additional structures: Shed(s), Storage
      • Parcel number: 135m039028.000

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Residential, Single Family Residence
      Materials
      • HardiPlank Type
      • Foundation: Pilings/Steel/Wood
      • Roof: Metal
      Condition
      • Move In Ready
      • New construction: No
      • Year built: 2018

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Connected, Electricity Connected, Sewer Connected, Water Connected

      Community & HOA

      Community
      • Features: RV / Boat Storage, Street Lights
      • Subdivision: Riverview
      Location
      • Region: Bay Saint Louis

      Financial & listing details

      • Price per square foot: $244/sqft
      • Tax assessed value: $170,670
      • Annual tax amount: $1,145
      • Date on market: 8/19/2025
      • Electric utility on property: Yes

        Estimated market value

        Not available

        Estimated sales range

        Not available

        $2,348/mo

        Price history

        DateEventPrice
        7/9/2026Pending sale$370,000$244/sqft
        Source: MLS United #4122982 Report a problem
        5/6/2026Price change$370,000-2.3%$244/sqft
        Source: MLS United #4122982 Report a problem
        3/25/2026Price change$378,9000%$250/sqft
        Source: MLS United #4122982 Report a problem
        2/13/2026Price change$379,000-2.6%$250/sqft
        Source: MLS United #4122982 Report a problem
        10/16/2025Price change$389,000-1.5%$256/sqft
        Source: MLS United #4122982 Report a problem
        8/19/2025Listed for sale$395,000$260/sqft
        Source: MLS United #4122982 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$1,145 $17,067
        2024$1,145 +2.9%$17,067
        2023$1,113 -33.1%$17,067
        2022$1,663 -0.2%$17,067 -1.2%
        2021$1,667 $17,282 +15.8%
        2020$1,667 +6.2%$14,926
        2019$1,570 +1988.6%$14,926 +2387.7%
        2018$75 $600 +100%
        2017$75 +113.3%$300
        2016$35 $300
        2015$35 +0.4%$300
        2014$35 $300
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.
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        Climate risks

        Neighborhood: 39520

        Getting around

        0 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • High: Bay St Louis

        Source: MLS United. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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