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95 Phillip Street, Bay Saint Louis, MS 39520 (MLS# 4125579)

95 Phillip Street, Bay Saint Louis, MS 39520

$1,099,000
Property Type: Residential Bedrooms: 6 Square Footage: 3,000 Lot Size (sq. ft.): 5,663 Status: Active
Current Price: $1,099,000 List Date: 9/13/2025 Last Modified: 3/07/2026

Overview

Description

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 A will be sold fully furnished, Unit B most furniture will be included in the sale, 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!

Listing Details MLS# 4125579

General Property Information

Property Sub Type
Duplex
New Construction
No
Property Condition
Move In Ready
Approx Lot Size Acres
0.13
Approx H/C SqFt
3000
SqFt Source
Other
List Price/SqFt
366.33
Year Built
2021
Year Built Source
Assessor
Garage Spaces
Yes
Carport Spaces
2
Total Floors
2
Bedrooms Total
6
Bathrooms Full
4
Bathrooms Half
2
Fireplace
No
Pool
No
School District
Bay St. Louis Waveland Dist
Home Warranty
No
Accessibility Features
No
Bathrooms Three Quarter
0

Property Features

Structure Type: House Lot Features: City Lot; Level; Near Beach; Near Golf Course; Views Levels: Two Interior Features: Ceiling Fan(s); Crown Molding; High Ceilings; Kitchen Island; Primary Downstairs; Recessed Lighting Special Purpose Rooms: Kitchen/Dining Combo Kitchen Features: Kitchen Island Appliances: Dishwasher; Dryer; Free-Standing Electric Range; Microwave; Refrigerator; Washer; Wine Refrigerator Walls - Interior: Sheetrock Laundry Features: Inside; Laundry Closet Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Utilities: Electricity Connected; Sewer Connected; Water Connected Sewer: Public Sewer Water Source: Public Foundation Details: Raised Listing Terms: 1031 Exchange; Conventional; FHA; VA Loan Roof: Metal Patio And Porch Features: Front Porch; Rear Porch Exterior Features: Balcony; Private Entrance; Other Fencing: Gate Driveway Features: Concrete Drive Parking Features: Driveway; Golf Cart Garage; Guest; On Site Other Structures: Second Garage; Second Residence Community Features: Boating; Fishing; Near Entertainment Waterfront Features: View Flood Insurance: Subject to Survey Water Heater: Tankless

Address and Location Information

Street Number
95
Street Name
Phillip
Street Suffix
Street
County
Hancock
State
MS
Zip Code
39520
Parcel Number
149c-0-20-090.001
Subdivision
Metes And Bounds
Directions to Property
Traveling East on Highway 90, Take a Left Turn At the Red Light onto Beach Blvd. Take an Immediate Left onto Phillip Street. Duplex is Located on the Right Hand Side.
N or S of I-10
S
N or S of CSX Railroad Track
N

Listing Information

Listing Service
Full Service

Tax and Financial Information

Tax Annual Amount
3313
Tax Year
2024
Homestead Y/N
Yes
Homestead Year
2024
Additional Exemptions Y/N
No
Flood Insurance Required?
Yes
Leasehold Y/N
No
Association
No
Covenants Y/N
No
Legal Description
BEACH PK. SUB LOTS 5 BLK. 1

Showing Requirements

Showing
Appointment Required

More Information

Remarks & Miscellaneous

Public Remarks
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 A will be sold fully furnished, Unit B most furniture will be included in the sale, 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!

Structure Type

House
Yes

Lot Features

City Lot
Yes
Level
Yes
Near Beach
Yes
Near Golf Course
Yes
Views
Yes

Levels

Two
Yes

Sewer

Public Sewer
Yes

Water Source

Public
Yes

Listing Terms

1031 Exchange
Yes
Conventional
Yes
FHA
Yes
VA Loan
Yes

Waterfront Features

View
Yes

Interior Features

Ceiling Fan(s)
Yes
Crown Molding
Yes
High Ceilings
Yes
Kitchen Island
Yes
Primary Downstairs
Yes
Recessed Lighting
Yes

Utilities

Electricity Connected
Yes
Sewer Connected
Yes
Water Connected
Yes

Special Purpose Rooms

Kitchen/Dining Combo
Yes

Kitchen Features

Kitchen Island
Yes

Appliances

Dishwasher
Yes
Dryer
Yes
Free-Standing Electric Range
Yes
Microwave
Yes
Refrigerator
Yes
Washer
Yes
Wine Refrigerator
Yes

Walls - Interior

Sheetrock
Yes

Laundry Features

Inside
Yes
Laundry Closet
Yes

Cooling

Ceiling Fan(s)
Yes
Central Air
Yes
Electric
Yes

Heating

Central
Yes
Electric
Yes

Foundation Details

Raised
Yes

Exterior Construction/Siding

HardiPlank Type
Yes

Roof

Metal
Yes

Exterior Features

Balcony
Yes
Private Entrance
Yes
Other
Yes

Patio And Porch Features

Front Porch
Yes
Rear Porch
Yes

Fencing

Gate
Yes

Driveway Features

Concrete Drive
Yes

Parking Features

Driveway
Yes
Golf Cart Garage
Yes
Guest
Yes
On Site
Yes

Other Structures

Second Garage
Yes
Second Residence
Yes

Community Features

Boating
Yes
Fishing
Yes
Near Entertainment
Yes

Flood Insurance

Subject to Survey
Yes

Water Heater

Tankless
Yes
Listing Office: Navigator Real Estate, LLC.
Listing Agent: Katy M Aime
Last Updated: March - 07 - 2026
Information is deemed to be reliable but not guaranteed. Copyright 2022 MLS United, LLC.