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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: 11/25/2025

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!

More Information MLS# 4125579

Address and Location Information

Parcel Number: 149c-0-20-090.001 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 Street Number: 95 Street Name: Phillip Street Suffix: Street County: Hancock State: MS Zip Code: 39520 Subdivision: Metes And Bounds

Listing Information

Listing Service: Full Service Status: Active List Date: 2025-09-11 List Price: $1,099,000 Current Price: $1,099,000

General Property Information

New Construction: No Property Condition: Move In Ready Approx Lot Size Acres: 0.13 SqFt Source: Other List Price/SqFt: 366.33 Year Built Source: Assessor Garage Spaces: 1 Carport Spaces: 2 Total Floors: 2 Bathrooms Half: 2 Bathrooms Three Quarter: 0 Fireplace: No Pool: No School District: Bay St. Louis Waveland Dist Home Warranty: No Accessibility Features: No Property Sub Type: Duplex Approx H/C SqFt: 3000 Year Built: 2021 Bedrooms Total: 6 Bathrooms Full: 4

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

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: 1

Lot Features

City Lot: 1 Level: 1 Near Beach: 1 Near Golf Course: 1 Views: 1

Levels

Two: 1

Sewer

Public Sewer: 1

Water Source

Public: 1

Listing Terms

1031 Exchange: 1 Conventional: 1 FHA: 1 VA Loan: 1

Waterfront Features

View: 1

Showing Requirements

Showing: Appointment Required

Interior Features

Ceiling Fan(s): 1 Crown Molding: 1 High Ceilings: 1 Kitchen Island: 1 Primary Downstairs: 1 Recessed Lighting: 1

Utilities

Electricity Connected: 1 Sewer Connected: 1 Water Connected: 1

Special Purpose Rooms

Kitchen/Dining Combo: 1

Kitchen Features

Kitchen Island: 1

Appliances

Dishwasher: 1 Dryer: 1 Free-Standing Electric Range: 1 Microwave: 1 Refrigerator: 1 Washer: 1 Wine Refrigerator: 1

Walls - Interior

Sheetrock: 1

Laundry Features

Inside: 1 Laundry Closet: 1

Cooling

Ceiling Fan(s): 1 Central Air: 1 Electric: 1

Heating

Central: 1 Electric: 1

Foundation Details

Raised: 1

Exterior Construction/Siding

HardiPlank Type: 1

Roof

Metal: 1

Exterior Features

Balcony: 1 Private Entrance: 1 Other: 1

Patio And Porch Features

Front Porch: 1 Rear Porch: 1

Fencing

Gate: 1

Driveway Features

Concrete Drive: 1

Parking Features

Driveway: 1 Golf Cart Garage: 1 Guest: 1 On Site: 1

Other Structures

Second Garage: 1 Second Residence: 1

Community Features

Boating: 1 Fishing: 1 Near Entertainment: 1

Flood Insurance

Subject to Survey: 1

Water Heater

Tankless: 1

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
Listing Office: Navigator Real Estate, LLC.
Listing Agent: Katy M Aime
Last Updated: November - 25 - 2025
Information is deemed to be reliable but not guaranteed. Copyright 2022 MLS United, LLC.