404 Bay Cove, Ridgeland, MS 39157 (MLS# 4140407)

404 Bay Cove, Ridgeland, MS 39157

$495,900

Virtual Tour

https://www.propertypanorama.com/404-Bay-Cove-Ridgeland-MS-39157/unbranded

Boat Slip and view of Summers Bay from Reservoir

Jack & Jill Bathroom connecting bedroom 2 & 3

Property Type: Residential Bedrooms: 4 Square Footage: 2,865 Lot Size (sq. ft.): 10,454 Status: Active

Current Price: $495,900 List Date: 2/25/2026 Last Modified: 5/01/2026

Overview

Description

Welcome to your new home in the beautiful gated community of Summers Bay on the Ross Barnett Reservoir. This beautifully updated home offers more than just comfort and style -- it comes with its own boat slip, giving you direct access to one of Mississippi's most sought-after waterfront lifestyles. Imagine taking a short, leisurely walk from your front door to your boat, heading out for an afternoon of fishing, cruising the open water, or simply sipping wine while watching the sun set across the reservoir. Every day here feels like a vacation. Step inside to a freshly updated interior where timeless style blends effortlessly with modern finishes. The desirable open split plan is ideal for entertaining. The spacious living area flows seamlessly into the dining room, creating an inviting atmosphere for hosting guests or relaxing with loved ones. The heart of the home features a well-appointed kitchen with stunning quartz countertops, modern appliances, ample storage, and a cozy br ... (Read more) Welcome to your new home in the beautiful gated community of Summers Bay on the Ross Barnett Reservoir. This beautifully updated home offers more than just comfort and style -- it comes with its own boat slip, giving you direct access to one of Mississippi's most sought-after waterfront lifestyles. Imagine taking a short, leisurely walk from your front door to your boat, heading out for an afternoon of fishing, cruising the open water, or simply sipping wine while watching the sun set across the reservoir. Every day here feels like a vacation. Step inside to a freshly updated interior where timeless style blends effortlessly with modern finishes. The desirable open split plan is ideal for entertaining. The spacious living area flows seamlessly into the dining room, creating an inviting atmosphere for hosting guests or relaxing with loved ones. The heart of the home features a well-appointed kitchen with stunning quartz countertops, modern appliances, ample storage, and a cozy breakfast area perfect for quiet mornings or casual meals with friends. Just off the kitchen is a generously sized laundry room complete with abundant storage, sink, ice maker, and built-in ironing board. A convenient desk area nearby would also function beautifully as a private workspace or storm room. One of the most peaceful spaces in the home is the sunroom, offering relaxing views of the surrounding landscape. Begin your mornings with radiant sunrises and wind down to the soft glow of reservoir sunsets -- all within walking distance of the water. The main level offers three comfortable bedrooms designed for rest and retreat. The primary suite, privately situated at the back of the home, features a spacious ensuite bath with spa tub and twin walk-in closets. Two additional bedrooms share a well-appointed bath with dual vanities and generous closet space. Upstairs, you'll find a versatile fourth bedroom or bonus room complete with its own full bath -- making it the perfect private guest suite, home office, gym, or hobby space. The current owners have thoughtfully enhanced the home with: - New flooring - Quartz countertops - Updated lighting and fixtures - Tankless water heater - Electric car charging plug Additional highlights include a roof that is only two years old, fresh interior paint, and plush carpeting upstairs -- offering both style and peace of mind for years to come. This is more than just a home -- it's a lifestyle. Whether you're boating, entertaining, or simply enjoying the peaceful setting, this Summers Bay residence offers the very best of reservoir living. Schedule your private showing today and experience it for yourself.

Listing Details MLS# 4140407

General Property Information

Property Sub Type: Single Family Residence
New Construction: No
Property Condition: Move In Ready
Approx Lot Size Acres: 0.24
Approx H/C SqFt: 2865
SqFt Source: Appraiser
List Price/SqFt: 173.09
Year Built: 2002
Year Built Source: Appraiser
Garage Spaces: 2
Total Floors: 2
Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Half: Yes
Fireplace: Yes
Fireplaces Total: Yes
Pool: No
School District: Madison CO Dist
Elementary School: Ann Smith
Elementary School 2: N/A
Intermediate School: N/A
Middle or Junior School: Olde Towne
High School: Ridgeland
Home Warranty: No
Accessibility Features: No
Carport Spaces: 0
Bathrooms Three Quarter: 0

Property Features

Structure Type: House Architectural Style: French Acadian Lot Features: Cul-De-Sac Levels: Two Covenants And Restrictions: Architectural Review; Homeowner Association; Restrictive Covenants Association Fee Includes: Maintenance Grounds; Management; Other Interior Features: Built-in Features; Ceiling Fan(s); Crown Molding; Double Vanity; Eat-in Kitchen; High Ceilings; His and Hers Closets; Kitchen Island; Open Floorplan; Pantry; Primary Downstairs; Split Plan; Storage; Walk-In Closet(s) Special Purpose Rooms: Breakfast Area; Formal Dining Room; Guest Room; Sunroom Kitchen Features: Breakfast Bar; Breakfast Room/Morning Room; Kitchen/Family Room View; Quartz Counters; Solid Surface Counters Bathroom Features: Corner Tub w/Jets; Double Vanity; Jack/Jill Bath; Two Walk-In Closets; Walk-In Shower Fireplace Features: Living Room Appliances: Dishwasher; Gas Cooktop; Refrigerator Walls - Interior: Sheetrock Flooring: Carpet Window Features: Bay Window(s); Insulated Windows; Wood Frames Laundry Features: Electric Dryer Hookup; Inside; Main Level; Sink; Washer Hookup Cooling: Central Air; Electric Heating: Central; Fireplace(s) Utilities: Electricity Connected Sewer: Public Sewer Water Source: Public Foundation Details: Slab Listing Terms: Conventional; FHA; VA Loan Roof: Architectural Shingles; Copper Exterior Features: None Fencing: Back Yard; Brick; Wood Driveway Features: Concrete Drive Parking Features: Garage; Parking Pad Community Features: Boating; Fishing; Gated; Lake; Marina Waterfront Features: Boat Slip; Lake Showing Requirements: Use ShowingTime Service Water Heater: Tankless

Address and Location Information

Street Number: 404
Street Name: Bay
Street Suffix: Cove
County: Madison
State: MS
Zip Code: 39157
Parcel Number: 072e-22d-092-00-00
PPIN: 15325
Subdivision: Summers Bay
Directions to Property: Take Rice Rd to Post Rd. Take Right on Post Rd...at end of Post Rd. take Right and drive towards Yacht Club. Turn right into Summers Bay- you will need a gate code. Once through the gate, take the first Right and neighborhood is in the cul de sac.
Community Of: N/A

Listing Information

Listing Service: Full Service

Tax and Financial Information

Tax Annual Amount: 3040
Tax Year: 2025
Homestead Y/N: Yes
Additional Exemptions Y/N: No
Flood Insurance Required?: No
Leasehold Y/N: Yes
16th Section: Yes
Association: Yes
Association Fee: 2040
Association Fee Frequency: Annually
Covenants Y/N: Yes
Legal Description: LOT 21 SUMMERS BAY

Waterfront Features

Waterfront: No
Boat Slip: Yes
Lake: Yes

More Information

Showing Requirements

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

Remarks & Miscellaneous

Public Remarks: Welcome to your new home in the beautiful gated community of Summers Bay on the Ross Barnett Reservoir. This beautifully updated home offers more than just comfort and style -- it comes with its own boat slip, giving you direct access to one of Mississippi's most sought-after waterfront lifestyles. Imagine taking a short, leisurely walk from your front door to your boat, heading out for an afternoon of fishing, cruising the open water, or simply sipping wine while watching the sun set across the reservoir. Every day here feels like a vacation. Step inside to a freshly updated interior where timeless style blends effortlessly with modern finishes. The desirable open split plan is ideal for entertaining. The spacious living area flows seamlessly into the dining room, creating an inviting atmosphere for hosting guests or relaxing with loved ones. The heart of the home features a well-appointed kitchen with stunning quartz countertops, modern appliances, ample storage, and a cozy breakfast area perfect for quiet mornings or casual meals with friends. Just off the kitchen is a generously sized laundry room complete with abundant storage, sink, ice maker, and built-in ironing board. A convenient desk area nearby would also function beautifully as a private workspace or storm room. One of the most peaceful spaces in the home is the sunroom, offering relaxing views of the surrounding landscape. Begin your mornings with radiant sunrises and wind down to the soft glow of reservoir sunsets -- all within walking distance of the water. The main level offers three comfortable bedrooms designed for rest and retreat. The primary suite, privately situated at the back of the home, features a spacious ensuite bath with spa tub and twin walk-in closets. Two additional bedrooms share a well-appointed bath with dual vanities and generous closet space. Upstairs, you'll find a versatile fourth bedroom or bonus room complete with its own full bath -- making it the perfect private guest suite, home office, gym, or hobby space. The current owners have thoughtfully enhanced the home with: - New flooring - Quartz countertops - Updated lighting and fixtures - Tankless water heater - Electric car charging plug Additional highlights include a roof that is only two years old, fresh interior paint, and plush carpeting upstairs -- offering both style and peace of mind for years to come. This is more than just a home -- it's a lifestyle. Whether you're boating, entertaining, or simply enjoying the peaceful setting, this Summers Bay residence offers the very best of reservoir living. Schedule your private showing today and experience it for yourself.

Structure Type

House: Yes

Architectural Style

French Acadian: Yes

Lot Features

Cul-De-Sac: Yes

Covenants And Restrictions

Architectural Review: Yes
Homeowner Association: Yes
Restrictive Covenants: Yes

Levels

Two: Yes

Sewer

Public Sewer: Yes

Water Source

Public: Yes

Listing Terms

Conventional: Yes
FHA: Yes
VA Loan: Yes

Association Fee Includes

Maintenance Grounds: Yes
Management: Yes
Other: Yes

Interior Features

Built-in Features: Yes
Ceiling Fan(s): Yes
Crown Molding: Yes
Double Vanity: Yes
Eat-in Kitchen: Yes
High Ceilings: Yes
His and Hers Closets: Yes
Kitchen Island: Yes
Open Floorplan: Yes
Pantry: Yes
Primary Downstairs: Yes
Split Plan: Yes
Storage: Yes
Walk-In Closet(s): Yes

Utilities

Electricity Connected: Yes

Special Purpose Rooms

Breakfast Area: Yes
Formal Dining Room: Yes
Guest Room: Yes
Sunroom: Yes

Kitchen Features

Breakfast Bar: Yes
Breakfast Room/Morning Room: Yes
Kitchen/Family Room View: Yes
Quartz Counters: Yes
Solid Surface Counters: Yes

Bathroom Features

Corner Tub w/Jets: Yes
Double Vanity: Yes
Jack/Jill Bath: Yes
Two Walk-In Closets: Yes
Walk-In Shower: Yes

Fireplace Features

Living Room: Yes

Appliances

Dishwasher: Yes
Gas Cooktop: Yes
Refrigerator: Yes

Walls - Interior

Sheetrock: Yes

Flooring

Carpet: Yes

Window Features

Bay Window(s): Yes
Insulated Windows: Yes
Wood Frames: Yes

Laundry Features

Electric Dryer Hookup: Yes
Inside: Yes
Main Level: Yes
Sink: Yes
Washer Hookup: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Fireplace(s): Yes

Foundation Details

Slab: Yes

Exterior Construction/Siding

Brick: Yes

Roof

Architectural Shingles: Yes
Copper: Yes

Exterior Features

None: Yes

Fencing

Back Yard: Yes
Brick: Yes
Wood: Yes

Driveway Features

Concrete Drive: Yes

Parking Features

Garage: Yes
Parking Pad: Yes

Community Features

Boating: Yes
Fishing: Yes
Gated: Yes
Lake: Yes
Marina: Yes

Water Heater

Tankless: Yes

Listing Office: EXIT Realty Collective

Listing Agent: Heather Gibson

Last Updated: May - 01 - 2026