144 Saint Charles Street, Bay Saint Louis, MS 39520 (MLS# 4149407)

144 Saint Charles Street, Bay Saint Louis, MS 39520

New Listing

$929,000

Virtual Tour

https://www.propertypanorama.com/144-Saint-Charles-Street-Bay-Saint-Louis-MS-39520/unbranded

Property Type: Residential Bedrooms: 3 Square Footage: 1,924 Lot Size (sq. ft.): 14,810 Status: Active

Current Price: $929,000 List Date: 5/14/2026 Last Modified: 5/14/2026

Overview

Description

Just steps from the beach in the coveted first block of downtown Bay St. Louis, this beautifully renovated coastal cottage blends timeless charm with luxury coastal living. Featuring two inviting front porches, this home has been completely updated with high-end finishes and thoughtfully designed indoor and outdoor spaces perfect for entertaining and relaxing. Enjoy your private backyard retreat with a pool, outdoor kitchen, and spacious gathering areas designed for the ultimate Gulf Coast lifestyle. The oversized boat garage offers exceptional storage for your boat, golf cart, and beach gear, making it easy to enjoy everything the coast has to offer. Hop on your golf cart and cruise to the beach, boutique shopping, restaurants, live music, and all the charm of downtown Bay St. Louis. Whether you're searching for a full-time residence, weekend getaway, or investment opportunity, this exceptional coastal home delivers location, luxury, and lifestyle.

Listing Details MLS# 4149407

General Property Information

Property Sub Type: Single Family Residence
New Construction: No
Property Condition: Move In Ready
Approx Lot Size Acres: 0.34
Lot Size Dimensions: 101.9' X140'
Approx H/C SqFt: 1924
SqFt Source: Appraiser
List Price/SqFt: 482.85
Year Built Known: Yes
Year Built: 2016
Year Built Source: Appraiser
Carport Spaces: 5
Total Floors: Yes
Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Fireplace: No
Pool: Yes
School District: Bay St. Louis Waveland Dist
Home Warranty: No
Accessibility Features: No
Additional H/C SqFt: 0
Garage Spaces: 0
Bathrooms Three Quarter: 0

Property Features

Structure Type: House Architectural Style: Bungalow Lot Features: Corner Lot; Fenced; Front Yard; Landscaped; Many Trees; Near Beach Levels: One Covenants And Restrictions: Architectural Review; Historical Interior Features: Bar; Beamed Ceilings; Built-in Features; Ceiling Fan(s); Crown Molding; Double Vanity; High Ceilings; High Speed Internet; His and Hers Closets; Open Floorplan; Pantry; Recessed Lighting; Smart Thermostat; Soaking Tub; Split Plan; Stone Counters; Vaulted Ceiling(s); Walk-In Closet(s); Wet Bar Special Purpose Rooms: Living/Dining Combo Kitchen Features: Farm Sink; Kitchen/Family Room Combo; Quartz Counters Bathroom Features: Ceramic Tile; Double Vanity; Free Standing Tub; Jack/Jill Bath; Separate Tub & Shower; Soaking Tub; Two Shower Heads; Two Walk-In Closets; Walk-In Shower Appliances: Convection Oven; Dishwasher; Dryer; ENERGY STAR Qualified Water Heater; Exhaust Fan; Free-Standing Freezer; Free-Standing Refrigerator; Freezer; Gas Oven; Gas Range; Ice Maker; Microwave; Range Hood; Refrigerator; Stainless Steel Appliance(s); Tankless Water Heater; Washer; Washer/Dryer Walls - Interior: Sheetrock; Wood Flooring: Carpet; Ceramic Tile; Hardwood Window Features: Double Pane Windows; Drapes; Insulated Windows; Window Treatments Door Features: Barn Door; Dead Bolt Lock(s); Double Entry; French Doors; Pocket; Security Laundry Features: Electric Dryer Hookup; In Hall; Inside; Laundry Room; Main Level; Washer Hookup Security Features: Security System Owned Cooling: Ceiling Fan(s); Central Air; Multi Units Heating: Central Utilities: Cable Available; Electricity Connected; Phone Available; Water Connected; Natural Gas in Kitchen; See Remarks Sewer: Public Sewer Water Source: Public Foundation Details: Raised Listing Terms: Bank Loan; Cash; Conventional; VA Loan Roof: Metal Patio And Porch Features: Front Porch; Patio; Patio - Covered; Porch; Rear Porch; Stone/Tile Exterior Features: Gas and Propane hookup; Gas Grill; Outdoor Grill; Outdoor Kitchen; Private Yard; Rain Gutters; TV Connection / hookup Fencing: Back Yard; Gate; Wood; Wrought Iron Driveway Features: Gravel Drive Parking Features: Driveway; Electric Vehicle Charging Station(s); Garage Faces Front; Golf Cart Garage; Lighted; On Site Other Structures: Kennel/Dog Run; Outdoor Kitchen; RV/Boat Storage Community Features: Boating; Curbs; Fishing; Marina; Near Entertainment; Pool; Restaurant; RV/Boat Storage; Street Lights Pool Features: Gunite; Hot Tub; In Ground; Salt Water Horse Amenities: None Basement Features: Crawl Space Water Heater: Tankless Disclosures: Agent Owned; Flood Insurance Required; Seller/Agent Relationship Room Type: Bathroom; Bedroom; Family Room; Kitchen

Address and Location Information

Street Number: 144
Street Name: Saint Charles
Street Suffix: Street
County: Hancock
State: MS
Zip Code: 39520
Parcel Number: 149n-0-30-207.000
Subdivision: Fourth Ward
N or S of I-10: S
N or S of CSX Railroad Track: S

Listing Information

Listing Service: Full Service

Tax and Financial Information

Tax Annual Amount: 6400
Tax Year: 2025
Homestead Y/N: No
Additional Exemptions Y/N: No
Zoning: General Residential
Flood Insurance Required?: Subject to Survey
Annual Home Insurance: 4000
Leasehold Y/N: No
Association: No
Covenants Y/N: Yes
Legal Description: 4TH WARD 177 BAY ST LOUIS

Parking Features

Parking Total: 5
Driveway: Yes
Electric Vehicle Charging Station(s): Yes
Garage Faces Front: Yes
Golf Cart Garage: Yes
Lighted: Yes
On Site: Yes

More Information

Workshop Features

Workshop: No

Waterfront Features

Waterfront: No

Barn Features

Barn: No

Horse Amenities

Horse Amenities: No
None: Yes

Showing Requirements

Showing: Appointment Required
Appointment Phone: 662-832-9551
Lockbox Location: Front Door

Attic Features

Attic: Yes

Remarks & Miscellaneous

Public Remarks: Just steps from the beach in the coveted first block of downtown Bay St. Louis, this beautifully renovated coastal cottage blends timeless charm with luxury coastal living. Featuring two inviting front porches, this home has been completely updated with high-end finishes and thoughtfully designed indoor and outdoor spaces perfect for entertaining and relaxing. Enjoy your private backyard retreat with a pool, outdoor kitchen, and spacious gathering areas designed for the ultimate Gulf Coast lifestyle. The oversized boat garage offers exceptional storage for your boat, golf cart, and beach gear, making it easy to enjoy everything the coast has to offer. Hop on your golf cart and cruise to the beach, boutique shopping, restaurants, live music, and all the charm of downtown Bay St. Louis. Whether you're searching for a full-time residence, weekend getaway, or investment opportunity, this exceptional coastal home delivers location, luxury, and lifestyle.

Structure Type

House: Yes

Architectural Style

Bungalow: Yes

Lot Features

Corner Lot: Yes
Fenced: Yes
Front Yard: Yes
Landscaped: Yes
Many Trees: Yes
Near Beach: Yes

Covenants And Restrictions

Architectural Review: Yes
Historical: Yes

Levels

One: Yes

Sewer

Public Sewer: Yes

Water Source

Public: Yes

Listing Terms

Bank Loan: Yes
Cash: Yes
Conventional: Yes
VA Loan: Yes

Interior Features

Bar: Yes
Beamed Ceilings: Yes
Built-in Features: Yes
Ceiling Fan(s): Yes
Crown Molding: Yes
Double Vanity: Yes
High Ceilings: Yes
High Speed Internet: Yes
His and Hers Closets: Yes
Open Floorplan: Yes
Pantry: Yes
Recessed Lighting: Yes
Smart Thermostat: Yes
Soaking Tub: Yes
Split Plan: Yes
Stone Counters: Yes
Vaulted Ceiling(s): Yes
Walk-In Closet(s): Yes
Wet Bar: Yes

Utilities

Cable Available: Yes
Electricity Connected: Yes
Phone Available: Yes
Water Connected: Yes
Natural Gas in Kitchen: Yes
See Remarks: Yes

Special Purpose Rooms

Living/Dining Combo: Yes

Kitchen Features

Farm Sink: Yes
Kitchen/Family Room Combo: Yes
Quartz Counters: Yes

Bathroom Features

Ceramic Tile: Yes
Double Vanity: Yes
Free Standing Tub: Yes
Jack/Jill Bath: Yes
Separate Tub & Shower: Yes
Soaking Tub: Yes
Two Shower Heads: Yes
Two Walk-In Closets: Yes
Walk-In Shower: Yes

Appliances

Convection Oven: Yes
Dishwasher: Yes
Dryer: Yes
ENERGY STAR Qualified Water Heater: Yes
Exhaust Fan: Yes
Free-Standing Freezer: Yes
Free-Standing Refrigerator: Yes
Freezer: Yes
Gas Oven: Yes
Gas Range: Yes
Ice Maker: Yes
Microwave: Yes
Range Hood: Yes
Refrigerator: Yes
Stainless Steel Appliance(s): Yes
Tankless Water Heater: Yes
Washer: Yes
Washer/Dryer: Yes

Walls - Interior

Sheetrock: Yes
Wood: Yes

Flooring

Carpet: Yes
Ceramic Tile: Yes
Hardwood: Yes

Window Features

Double Pane Windows: Yes
Drapes: Yes
Insulated Windows: Yes
Window Treatments: Yes

Door Features

Barn Door: Yes
Dead Bolt Lock(s): Yes
Double Entry: Yes
French Doors: Yes
Pocket: Yes
Security: Yes

Laundry Features

Electric Dryer Hookup: Yes
In Hall: Yes
Inside: Yes
Laundry Room: Yes
Main Level: Yes
Washer Hookup: Yes

Security Features

Security System Owned: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Multi Units: Yes

Heating

Central: Yes

Foundation Details

Raised: Yes

Exterior Construction/Siding

HardiPlank Type: Yes
Siding: Yes

Roof

Metal: Yes

Exterior Features

Gas and Propane hookup: Yes
Gas Grill: Yes
Outdoor Grill: Yes
Outdoor Kitchen: Yes
Private Yard: Yes
Rain Gutters: Yes
TV Connection / hookup: Yes

Patio And Porch Features

Front Porch: Yes
Patio: Yes
Patio - Covered: Yes
Porch: Yes
Rear Porch: Yes
Stone/Tile: Yes

Fencing

Back Yard: Yes
Gate: Yes
Wood: Yes
Wrought Iron: Yes

Driveway Features

Gravel Drive: Yes

Other Structures

Kennel/Dog Run: Yes
Outdoor Kitchen: Yes
RV/Boat Storage: Yes

Community Features

Boating: Yes
Curbs: Yes
Fishing: Yes
Marina: Yes
Near Entertainment: Yes
Pool: Yes
Restaurant: Yes
RV/Boat Storage: Yes
Street Lights: Yes

Pool Features

Gunite: Yes
Hot Tub: Yes
In Ground: Yes
Salt Water: Yes

Basement Features

Crawl Space: Yes

Water Heater

Tankless: Yes

Disclosures

Agent Owned: Yes
Flood Insurance Required: Yes
Seller/Agent Relationship: Yes

Room Type

Bathroom: Yes
Bedroom: Yes
Family Room: Yes
Kitchen: Yes

Room Information

Room Name	Level
Family Room	Main
Bathroom	Main
Bedroom	Main
Bedroom	Main
Bedroom	Main
Bathroom	Main
Bathroom	Main
Kitchen	Main

Listing Office: Coldwell Banker Signature

Listing Agent: Stacy Shoaf

Last Updated: May - 14 - 2026