404 Bay Cove, Ridgeland, MS 39157

$495,900
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: 3/30/2026

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 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.

More Information MLS# 4140407

Address and Location Information

Parcel Number: 072e-22d-092-00-00 PPIN: 15325 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 Street Number: 404 Street Name: Bay Street Suffix: Cove County: Madison State: MS Zip Code: 39157 Subdivision: Summers Bay

Listing Information

Listing Service: Full Service Status: Active List Date: 2026-02-25 List Price: $495,900 Current Price: $495,900

General Property Information

New Construction: No Property Condition: Move In Ready Approx Lot Size Acres: 0.24 SqFt Source: Appraiser List Price/SqFt: 173.09 Year Built Source: Appraiser Garage Spaces: 2 Carport Spaces: 0 Total Floors: 2 Bathrooms Half: 1 Bathrooms Three Quarter: 0 Fireplace: Yes Fireplaces Total: 1 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 Property Sub Type: Single Family Residence Approx H/C SqFt: 2865 Year Built: 2002 Bedrooms Total: 4 Bathrooms Full: 3

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

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: 1

Architectural Style

French Acadian: 1

Lot Features

Cul-De-Sac: 1

Covenants And Restrictions

Architectural Review: 1 Homeowner Association: 1 Restrictive Covenants: 1

Levels

Two: 1

Sewer

Public Sewer: 1

Water Source

Public: 1

Listing Terms

Conventional: 1 FHA: 1 VA Loan: 1

Association Fee Includes

Maintenance Grounds: 1 Management: 1 Other: 1

Waterfront Features

Waterfront: No Boat Slip: 1 Lake: 1

Showing Requirements

Showing: Appointment Required Use ShowingTime Service: 1 Lockbox Location: Front Door

Interior Features

Built-in Features: 1 Ceiling Fan(s): 1 Crown Molding: 1 Double Vanity: 1 Eat-in Kitchen: 1 High Ceilings: 1 His and Hers Closets: 1 Kitchen Island: 1 Open Floorplan: 1 Pantry: 1 Primary Downstairs: 1 Split Plan: 1 Storage: 1 Walk-In Closet(s): 1

Utilities

Electricity Connected: 1

Special Purpose Rooms

Breakfast Area: 1 Formal Dining Room: 1 Guest Room: 1 Sunroom: 1

Kitchen Features

Breakfast Bar: 1 Breakfast Room/Morning Room: 1 Kitchen/Family Room View: 1 Quartz Counters: 1 Solid Surface Counters: 1

Bathroom Features

Corner Tub w/Jets: 1 Double Vanity: 1 Jack/Jill Bath: 1 Two Walk-In Closets: 1 Walk-In Shower: 1

Fireplace Features

Living Room: 1

Appliances

Dishwasher: 1 Gas Cooktop: 1 Refrigerator: 1

Walls - Interior

Sheetrock: 1

Flooring

Carpet: 1

Window Features

Bay Window(s): 1 Insulated Windows: 1 Wood Frames: 1

Laundry Features

Electric Dryer Hookup: 1 Inside: 1 Main Level: 1 Sink: 1 Washer Hookup: 1

Cooling

Central Air: 1 Electric: 1

Heating

Central: 1 Fireplace(s): 1

Foundation Details

Slab: 1

Exterior Construction/Siding

Brick: 1

Roof

Architectural Shingles: 1 Copper: 1

Exterior Features

None: 1

Fencing

Back Yard: 1 Brick: 1 Wood: 1

Driveway Features

Concrete Drive: 1

Parking Features

Garage: 1 Parking Pad: 1

Community Features

Boating: 1 Fishing: 1 Gated: 1 Lake: 1 Marina: 1

Water Heater

Tankless: 1

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
Listing Office: EXIT Realty Collective
Listing Agent: Heather Gibson
Last Updated: March - 30 - 2026
Information is deemed to be reliable but not guaranteed. Copyright 2022 MLS United, LLC.