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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.