4031 Bank Street, Bay Saint Louis, MS 39520 (MLS# 4159724)

4031 Bank Street, Bay Saint Louis, MS 39520

New Listing

$350,000

Virtual Tour

https://www.propertypanorama.com/4031-Bank-Street-Bay-Saint-Louis-MS-39520--4159724/unbranded

Situated on 100' of water frontage-property goes all the way to the end of the boathouse (including covered boat/car storage on lot)

Home-Underneath golf cart garage & enclosed storage area with toilet room, covered boat storage on lot.

AI generated "sand beach" for photo-Sand can be added for added fun & floating around in the canal

Property Type: Residential Bedrooms: 3 Square Footage: 1,120 Lot Size (sq. ft.): 10,454 Status: Active

Current Price: $350,000 List Date: 8/19/2026 Last Modified: 8/19/2026

Overview

Description

Welcome to your furnished, turn-key waterfront retreat in Riverview Subdivision of Shoreline Park Community in Bay St. Louis! Situated on a desirable double lot with approximately 100 feet of bulkheaded waterfront, this coastal getaway is ready for boating, fishing and a relaxed waterfront lifestyle. The covered boathouse features electrical & water, lighting, a convenient outdoor shower. Boat lift is an Overhead cable-and-strap with an approximate 5,000-pound capacity (currently accommodates a 21' deckboat) with the boathouse offering room for a boat or pontoon up to approximately 26 feet. The adjoining lot provides additional covered boat or vehicle storage also complete with electrical. Throw in a load of sand for your own private "beach" out back allowing for easy launching of kayaks or paddle boards etc. or for just soaking up the sun floating in the back canal. Location cannot be beat, just one canal, two quick turns to Bayou LaCroix, the property offers quick access to Bay St. ... (Read more) Welcome to your furnished, turn-key waterfront retreat in Riverview Subdivision of Shoreline Park Community in Bay St. Louis! Situated on a desirable double lot with approximately 100 feet of bulkheaded waterfront, this coastal getaway is ready for boating, fishing and a relaxed waterfront lifestyle. The covered boathouse features electrical & water, lighting, a convenient outdoor shower. Boat lift is an Overhead cable-and-strap with an approximate 5,000-pound capacity (currently accommodates a 21' deckboat) with the boathouse offering room for a boat or pontoon up to approximately 26 feet. The adjoining lot provides additional covered boat or vehicle storage also complete with electrical. Throw in a load of sand for your own private "beach" out back allowing for easy launching of kayaks or paddle boards etc. or for just soaking up the sun floating in the back canal. Location cannot be beat, just one canal, two quick turns to Bayou LaCroix, the property offers quick access to Bay St. Louis, the Mississippi Sound & the Gulf of America. Enjoy trips to Ship Island, Cat Island and outstanding Gulf Coast fishing and recreation right outside the door. This Raised home boasts a generous open yet covered area underneath giving you abundant space for entertaining! Enclosed storage room underneath complete with plumbing & electrical including separate commode room, plenty of space to store boating & fishing equipment plus a golf cart garage. Surrounded by attractive waterfront homes, this property presents an exciting opportunity to add your own cosmetic touches and create the coastal retreat you've envisioned. Whether you're seeking a weekend escape, full-time waterfront residence or potential "income producing" short-term vacation rental, this furnished property delivers the space for boating amenities and convenient water access needed to enjoy the Gulf Coast lifestyle. Grandfathered Flood Policy ONLY $1378/yr. is transferrable! Buyer to verify all measurements, water access, boat-lift capacity, vessel compatibility and rental eligibility.

Listing Details MLS# 4159724

General Property Information

Property Sub Type: Single Family Residence
New Construction: No
Property Condition: Move In Ready
Approx Lot Size Acres: 0.24
Lot Size Dimensions: 102 x 103
Approx H/C SqFt: 1120
SqFt Source: Estimated
List Price/SqFt: 312.5
Year Built Known: Yes
Year Built: 2007
Year Built Source: Public Records
Carport Spaces: 2
Total Floors: Yes
Bedrooms Total: 3
Bathrooms Full: 2
Fireplace: No
Pool: No
School District: Bay St. Louis Waveland Dist
Home Warranty: No
Accessibility Features: No
Garage Spaces: 0
Bathrooms Half: 0
Bathrooms Three Quarter: 0

Property Features

Structure Type: House Architectural Style: Traditional; See Remarks Lot Features: Views Levels: One Interior Features: Ceiling Fan(s); Eat-in Kitchen; Pantry Special Purpose Rooms: Storage Kitchen Features: Kitchen/Family Room View Appliances: Dishwasher; Dryer; Free-Standing Electric Range; Free-Standing Refrigerator; Microwave; Washer; Washer/Dryer; Water Heater; See Remarks Walls - Interior: Sheetrock Flooring: Vinyl; See Remarks Window Features: Blinds Door Features: Dead Bolt Lock(s) Laundry Features: Electric Dryer Hookup; In Carport; Outside; Washer Hookup; See Remarks Cooling: Ceiling Fan(s); Central Air; Electric; See Remarks Heating: Central; Electric; See Remarks Utilities: Cable Available; Electricity Connected; Sewer Connected; Water Connected Sewer: Public Sewer Water Source: Public Foundation Details: Pillar/Post/Pier; Raised Listing Terms: 1031 Exchange; Bank Loan; Cash; Conventional; FHA; Renovation Loan; USDA Loan; VA Loan Roof: Metal Patio And Porch Features: Deck; Rear Porch Exterior Features: Balcony; Dock; Lighting; Outdoor Shower; See Remarks Fencing: None Driveway Features: Concrete Drive Parking Features: Carport; Concrete; Covered; Driveway; Golf Cart Garage Other Structures: Boat House; RV/Boat Storage; Shed(s); Storage; Workshop Community Features: Boating; Fishing; See Remarks Workshop Features: 110 Electric; Plumbed Waterfront Features: Bayou; Boat Dock; Boat Slip; Bulkhead; Canal Front; Gulf Access; View; See Remarks Showing Requirements: Use ShowingTime Service Attic Features: Pull Down Stair Unit Flood Insurance: Building had Flood Water; Floodplain; See Remarks Water Heater: 40 Gallons or Less; Electric Disclosures: As Is; Flood Insurance Required Room Type: Bathroom; Bedroom; Den; Kitchen; Primary Bathroom

Address and Location Information

Street Number: 4031
Street Name: Bank
Street Suffix: Street
County: Hancock
State: MS
Zip Code: 39520
Parcel Number: 135m-0-39-319.001
Subdivision: Shoreline Park
Directions to Property: I-10 to Exit 13 Hwy 603- Left on Central Ave-Left on 21st. Ave-Right on Swan St-Left on Manhattan St.-Left on Victoria St-Left on Bank St- House on Right
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: 3088
Tax Year: 2025
Homestead Y/N: No
Additional Exemptions Y/N: No
Zoning: Single Family Residence
Flood Insurance Required?: Yes
Annual Flood Insurance: 1378
Leasehold Y/N: No
Sold In Previous 12 Months: No
Association: No
Covenants Y/N: No
Legal Description: 15 &16 BLK 635 UN 6 ADD 4 SHORELINE PK

Parking Features

Parking Total: 4
Carport: Yes
Concrete: Yes
Covered: Yes
Driveway: Yes
Golf Cart Garage: Yes

More Information

Workshop Features

Workshop: Yes
110 Electric: Yes
Plumbed: Yes

Waterfront Features

Waterfront: Yes
Bayou: Yes
Boat Dock: Yes
Boat Slip: Yes
Bulkhead: Yes
Canal Front: Yes
Gulf Access: Yes
View: Yes
See Remarks: Yes

Barn Features

Barn: No

Showing Requirements

Showing: Appointment Required
Lockbox Location: Back Door
Use ShowingTime Service: Yes

Attic Features

Attic: Yes
Pull Down Stair Unit: Yes

Basement Features

Basement: No

Remarks & Miscellaneous

Public Remarks: Welcome to your furnished, turn-key waterfront retreat in Riverview Subdivision of Shoreline Park Community in Bay St. Louis! Situated on a desirable double lot with approximately 100 feet of bulkheaded waterfront, this coastal getaway is ready for boating, fishing and a relaxed waterfront lifestyle. The covered boathouse features electrical & water, lighting, a convenient outdoor shower. Boat lift is an Overhead cable-and-strap with an approximate 5,000-pound capacity (currently accommodates a 21' deckboat) with the boathouse offering room for a boat or pontoon up to approximately 26 feet. The adjoining lot provides additional covered boat or vehicle storage also complete with electrical. Throw in a load of sand for your own private "beach" out back allowing for easy launching of kayaks or paddle boards etc. or for just soaking up the sun floating in the back canal. Location cannot be beat, just one canal, two quick turns to Bayou LaCroix, the property offers quick access to Bay St. Louis, the Mississippi Sound & the Gulf of America. Enjoy trips to Ship Island, Cat Island and outstanding Gulf Coast fishing and recreation right outside the door. This Raised home boasts a generous open yet covered area underneath giving you abundant space for entertaining! Enclosed storage room underneath complete with plumbing & electrical including separate commode room, plenty of space to store boating & fishing equipment plus a golf cart garage. Surrounded by attractive waterfront homes, this property presents an exciting opportunity to add your own cosmetic touches and create the coastal retreat you've envisioned. Whether you're seeking a weekend escape, full-time waterfront residence or potential "income producing" short-term vacation rental, this furnished property delivers the space for boating amenities and convenient water access needed to enjoy the Gulf Coast lifestyle. Grandfathered Flood Policy ONLY $1378/yr. is transferrable! Buyer to verify all measurements, water access, boat-lift capacity, vessel compatibility and rental eligibility.

Structure Type

House: Yes

Architectural Style

Traditional: Yes
See Remarks: Yes

Lot Features

Views: Yes

Levels

One: Yes

Sewer

Public Sewer: Yes

Water Source

Public: Yes

Listing Terms

1031 Exchange: Yes
Bank Loan: Yes
Cash: Yes
Conventional: Yes
FHA: Yes
Renovation Loan: Yes
USDA Loan: Yes
VA Loan: Yes

Interior Features

Ceiling Fan(s): Yes
Eat-in Kitchen: Yes
Pantry: Yes

Utilities

Cable Available: Yes
Electricity Connected: Yes
Sewer Connected: Yes
Water Connected: Yes

Special Purpose Rooms

Storage: Yes

Kitchen Features

Kitchen/Family Room View: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Free-Standing Electric Range: Yes
Free-Standing Refrigerator: Yes
Microwave: Yes
Washer: Yes
Washer/Dryer: Yes
Water Heater: Yes
See Remarks: Yes

Walls - Interior

Sheetrock: Yes

Flooring

Vinyl: Yes
See Remarks: Yes

Window Features

Blinds: Yes

Door Features

Dead Bolt Lock(s): Yes

Laundry Features

Electric Dryer Hookup: Yes
In Carport: Yes
Outside: Yes
Washer Hookup: Yes
See Remarks: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes
See Remarks: Yes

Heating

Central: Yes
Electric: Yes
See Remarks: Yes

Foundation Details

Pillar/Post/Pier: Yes
Raised: Yes

Exterior Construction/Siding

Siding: Yes

Roof

Metal: Yes

Exterior Features

Balcony: Yes
Dock: Yes
Lighting: Yes
Outdoor Shower: Yes
See Remarks: Yes

Patio And Porch Features

Deck: Yes
Rear Porch: Yes

Fencing

None: Yes

Driveway Features

Concrete Drive: Yes

Other Structures

Boat House: Yes
RV/Boat Storage: Yes
Shed(s): Yes
Storage: Yes
Workshop: Yes

Community Features

Boating: Yes
Fishing: Yes
See Remarks: Yes

Flood Insurance

Building had Flood Water: Yes
Floodplain: Yes
See Remarks: Yes

Water Heater

40 Gallons or Less: Yes
Electric: Yes

Disclosures

As Is: Yes
Flood Insurance Required: Yes

Room Type

Bathroom: Yes
Bedroom: Yes
Den: Yes
Kitchen: Yes
Primary Bathroom: Yes

Room Information

Room Name	Level
Den	Main
Kitchen	Main
Primary Bathroom	Main
Bedroom	Main
Bedroom	Main
Bathroom	Main

Documents

PCDS & Flood Dec ›

Seller Utility sheet ›

Listing Office: Crescent Sotheby's International Realty

Listing Agent: Lesley Troncoso

Last Updated: August - 19 - 2026