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Active
    • Price cut: $5K (6/12)
    $945,000

    95 Phillip St, Bay Saint Louis, MS 39520

    6beds
    3,000sqft
    : 
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    Residential, Duplex, Multi Family
    Built in 2021
    -- sqft lot
    $898,000 Zestimate®
    $315/sqft
    $-- HOA

    What's special

    Stylish interiorsFront and back balconiesAbundant natural lightStainless steel appliances
    Discover this beautifully maintained duplex built in 2021, offering a perfect blend of modern comfort, coastal charm, and income potential. Each unit features 3 spacious bedrooms and 2.5 bathrooms, making it ideal for full-time living, short-term rentals, or a combination of both. Located in a golf cart-friendly community just minutes from downtown Bay St. Louis and the beach, this property is ideally situated for enjoying the best of coastal living. Whether you're strolling to local shops and restaurants or cruising the shoreline, convenience is at your doorstep. Both units offer stylish interiors with stainless steel appliances, open-concept living areas, and abundant natural light. Step outside to enjoy front and back balconies, including a 2nd-story balcony perfect for soaking in the tranquil water views. Additional features of the property include: Unit B is equipped with a cargo lift for added accessibility, Covered golf cart storage under the home, Fenced yard - great for pets or added privacy, Proven successful short-term rental history, Option to live in one unit and rent the other for added income. Whether you're looking for a savvy investment, a vacation retreat, or a full-time residence with rental income potential, this turn-key duplex checks every box. Don't miss this opportunity to own a piece of paradise in beautiful Bay St. Louis!
    99 days
    |
    165
    |
    12
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Katy M Aime 228-342-4012,

    Navigator Real Estate, LLC. 228-342-4012

    Source: MLS United,MLS#: 4145666

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 6
      • Bathrooms: 6
      • Full bathrooms: 4
      • 1/2 bathrooms: 2
      Heating
      • Central, Electric
      Cooling
      • Ceiling Fan(s), Central Air, Electric
      Appliances
      • Included: Free-Standing Electric Range, Microwave, Refrigerator, Wine Refrigerator
      • Laundry: Inside, Laundry Closet
      Features
      • Ceiling Fan(s), Crown Molding, High Ceilings, Kitchen Island, Primary Downstairs, Recessed Lighting
      • Has fireplace: No
      Interior area
      • Total structure area: 3,000
      • Total interior livable area: 3,000 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 10
      • Parking features: Driveway, Golf Cart Garage, Guest, On Site, Concrete
      • Garage spaces: 1
      • Carport spaces: 2
      • Covered spaces: 3
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Front Porch, Rear Porch
      • Exterior features: Balcony, Private Entrance
      • Fencing: Gate
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      Lot
      • Size: 5,662 Square Feet
      • Dimensions: 76 x 79 x 76 x 79
      • Features: City Lot, Level, Near Beach, Near Golf Course, Views
      Details
      • Additional structures: Second Garage, Second Residence
      • Parcel number: 149c020090.001

      Construction

      Type & style
      • Home type: MultiFamily
      • Property subtype: Residential, Duplex, Multi Family
      • Attached to another structure: Yes
      Materials
      • HardiPlank Type
      • Foundation: Raised
      • Roof: Metal
      Condition
      • Move In Ready
      • New construction: No
      • Year built: 2021

      Utilities & green energy

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

      Community & HOA

      Community
      • Features: Boating, Fishing, Near Entertainment
      • Subdivision: Metes And Bounds
      Location
      • Region: Bay Saint Louis

      Financial & listing details

      • Price per square foot: $315/sqft
      • Annual tax amount: $3,313
      • Date on market: 4/12/2026
      • Electric utility on property: Yes

        Estimated market value

        $898,000

        $853,000 - $943,000

        $2,098/mo

        Price history

        DateEventPrice
        6/12/2026Price change$945,000-0.5%$315/sqft
        Source: MLS United #4145666 Report a problem
        4/12/2026Listed for sale$950,000-13.6%$317/sqft
        Source: MLS United #4145665 Report a problem
        4/1/2026Listing removed$1,099,000$366/sqft
        Source: MLS United #4125580 Report a problem
        11/25/2025Price change$1,099,000-4%$366/sqft
        Source: MLS United #4125579 Report a problem
        11/4/2025Price change$1,145,000-3.8%$382/sqft
        Source: MLS United #4125579 Report a problem
        9/13/2025Listed for sale$1,190,000$397/sqft
        Source: MLS United #4125579 Report a problem

        Public tax history

        Tax history is unavailable.

        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.
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        Climate risks

        Neighborhood: 39520

        Getting around

        32 / 100
        Car-Dependent
        33 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Waveland
        • Middle: Bay St. Louis Middle
        • 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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