$379,900
SOLD APR 28, 2025
Last list price

4040 Cardinal St Bay Saint Louis, MS 39520

3 Beds
2 Baths
1,190 Sq Ft
5,227 Sq Ft Lot

Sale Details

Date Sold: April 28, 2025

$319 Per Sq Ft

20 Days on Market

Highlights

  • Boating
  • Waterfront
  • Granite Countertops
  • Waveland Elementary School Rated 10
  • High Ceiling
  • Walk-In Pantry

About This Home

As of April 2025

Nestled in a serene and desirable neighborhood, this stunning waterfront property offers an exceptional combination of charm, functionality, and style. With river access via a private canal, this home provides an unparalleled opportunity to experience waterfront living at its finest. Whether you're looking for a peaceful retreat or a place to entertain guests, this residence is designed to cater to all your needs. Large windows frame captivating views of the front deck and tranquil canal waters. From the kitchen sink, you can enjoy watching the gentle flow of the water while preparing meals. The kitchen has beautiful stone countertops throughout, custom shake cabinetry, and stainless steel appliances. offering both beauty and durability. A unique custom barn door opens to a dedicated coffee and cocktail station, adding a rustic yet modern touch to the space and creating the perfect spot to unwind at any time of day. The inviting living room exudes warmth and character with its tasteful feature wall, setting the tone for the entire home. The bathrooms are thoughtfully designed with elegant accents, with the master bath offering both a full-size tub/shower combo with a small window bringing in natural lighting - a perfect space to relax after a long day. This home is built to stand the test of time, constructed above the latest elevation standards to ensure stability and resilience, making it a smart investment in both lifestyle and security. Not only will this elevate your peace of mind, but it also translates into lower insurance premiums. Additionally, the property comes fully furnished, allowing you to move in and enjoy the waterfront lifestyle immediately. And with affordable flood insurance, you can rest assured that you're making a sound decision for both your investment and peace of mind. With its prime location, thoughtful design, and an array of features that make this property truly stand out, this waterfront home offers the ideal blend of comfort and style for those seeking the best in canal-front living. Home is currently being operated as a short-term rental, so showings must be approved and home cannot be shown during a guest's stay.

Last Agent to Sell the Property

Mandy Merritt

Century 21 Busch Realty Group License #S49861 Listed on: 03/20/2025

Century 21 Busch Realty Group

Last Buyer's Agent

Mandy Merritt

Busch Realty Group, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,020

Year Built

  • Built in 2023

Lot Details

  • 5,227 Sq Ft Lot
  • Waterfront

Home Design

  • Metal Roof
  • HardiePlank Type

Interior Spaces

  • 1,190 Sq Ft Home
  • 1-Story Property
  • Built-In Features
  • Wainscoting
  • Sheet Rock Walls or Ceilings
  • High Ceiling
  • Ceiling Fan
  • Luxury Vinyl Tile Flooring
  • Property Views

Kitchen

  • Eat-In Kitchen
  • Walk-In Pantry
  • Free-Standing Electric Range
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Granite Countertops

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms
  • Double Vanity

Laundry

  • Laundry closet
  • Stacked Washer and Dryer

Home Security

  • Storm Windows
  • Fire and Smoke Detector

Parking

  • 6 Parking Spaces
  • Parking Pad
  • Covered Parking
  • Driveway
  • Paved Parking

Utilities

  • Central Air
  • Heating Available
  • Electric Water Heater

Additional Features

  • Front Porch
  • City Lot

Listing and Financial Details

  • Assessor Parcel Number 135n-1-39-225.000

Community Details

Overview

  • Shoreline Park Subdivision

Recreation

  • Boating

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,020

Year Built

Built in 2023

Lot Details

5,227 Sq Ft Lot

Listing Details

  • Unit Levels: One
  • Property Sub Type: Single Family Residence
  • Prop. Type: Residential
  • Structure Type: House
  • Year Built: 2023
  • Lot Size Acres: 0.12
  • Subdivision Name: Shoreline Park
  • New Construction: No
  • General Property Information:List PriceSqFt: 319.24
  • Special Features: None

Interior Features

  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Flooring: Luxury Vinyl
  • Window Features: Storm Window(s)
  • Fireplace: No
  • Appliances: Microwave, Refrigerator, Dishwasher, Free-Standing Electric Range, Washer/Dryer Stacked, Water Heater
  • Bathroom Features: 5 Foot Tub, Double Vanity
  • Door Features: Dead Bolt Lock(s), Barn Door

Exterior Features

  • Disclosures: None, Flood Insurance Required
  • Lot Features: City Lot, Views
  • Roof: Metal
  • Patio And Porch Features: Front Porch
  • WaterfrontFeaturesWaterfront: Yes
  • Pool Private: No
  • Waterfront: Yes
  • General Property Information:Accessibility Features: No
  • Foundation Details: Pilings/Steel/Wood

Garage/Parking

  • Attached Garage: No
  • Total Parking Spaces: 6.0
  • Parking Features: Driveway, Covered, Parking Pad, Paved

Utilities

  • Sewer: Public Sewer
  • Water Source: Public
  • Security: Smoke Detector(s)
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Cooling: Ceiling Fan(s), Central Air, Electric
  • Utilities: Electricity Connected, Water Connected
  • Laundry Features: Electric Dryer Hookup, In Unit, Laundry Closet, Washer Hookup
  • Water Heater: Electric

Condo/Co-op/Association

  • Community Features: Boating

Lot Info

  • Parcel #: 135n-1-39-225.000
  • Lot Size Sq Ft: 5227.2

Tax Info

  • Tax Annual Amount: 3020.0
  • Tax Year: 24

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 20, 2025
Closed on
Apr 24, 2025
Sold by
Mittal Investments Llc
Bought by
Martinez Lauren M and Martinez Jake
Seller's Agent
Mandy Merritt
Century 21 Busch Realty Group
Buyer's Agent
Mandy Merritt
Busch Realty Group, LLC
List Price
$379,900
Views
34
Current Estimated Value
$379,194

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
2.70%
Original Mortgage
$296,000
Outstanding Balance
$292,447
Interest Rate
6.65%
Mortgage Type
New Conventional
Estimated Equity
$86,747

Purchase Details

Listed on
Jan 17, 2023
Closed on
Mar 20, 2023
Sold by
David L Moore Construction Llc
Bought by
Mittal Investments Llc
Seller's Agent
Emmett Walsh
Allied Realty Coastal Homes
Buyer's Agent
Mandy Merritt
Busch Realty Group, LLC
List Price
$364,900
Views
423

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
0.20%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed -- Pilger Title
Warranty Deed -- Pilger Title
Warranty Deed -- Pilger Title
Warranty Deed -- Pilger Title
Warranty Deed -- None Listed On Document
Warranty Deed -- None Listed On Document
Warranty Deed -- None Listed On Document
Warranty Deed -- None Listed On Document
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $296,000 New Conventional
Closed $296,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
04/28/2025 04/28/25 Sold -- -- --
04/09/2025 04/09/25 Pending -- -- --
03/20/2025 03/20/25 For Sale $379,900 +4.1% $319 / Sq Ft
03/30/2023 03/30/23 Sold -- -- -- View Prior Sale
01/17/2023 01/17/23 For Sale $364,900 +1493.4% $307 / Sq Ft
07/17/2020 07/17/20 Sold -- -- -- View Prior Sale
07/13/2020 07/13/20 Pending -- -- --
07/07/2020 07/07/20 For Sale $22,900 -- $20 / Sq Ft
Source: MLS United

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,902 $25,232 $2,250 $22,982
2024 $2,902 $25,232 $2,250 $22,982
2023 $173 $1,500 $1,500 $0
2022 $345 $3,000 $3,000 $0
2021 $239 $2,100 $2,100 $0
2020 $265 $2,100 $2,100 $0
2019 $263 $2,100 $2,100 $0
2018 $263 $2,100 $2,100 $0
2017 $259 $2,100 $2,100 $0
2016 $254 $2,100 $2,100 $0
2015 $247 $2,100 $2,100 $0
2014 $246 $2,100 $2,100 $0
2013 $518 $2,100 $2,100 $0
Source: Public Records

Agents Affiliated with this Home

  • Mandy Merritt

    Seller's Agent in 2025

    Mandy Merritt

    Century 21 Busch Realty Group

    (228) 697-2397

    8 in this area

    111 Total Sales

    Mandy Merritt
    Section Image

  • E

    Seller's Agent in 2023

    Emmett Walsh

    Allied Realty Coastal Homes

    (228) 220-1294

    36 in this area

    62 Total Sales

    Emmett Walsh
    Section Image
  • Sandy Walsh

    Seller Co-Listing Agent in 2023

    Sandy Walsh

    Allied Realty Coastal Homes

    (228) 220-1294

    85 in this area

    204 Total Sales

    Sandy Walsh
    Section Image

  • J

    Seller's Agent in 2020

    Jeanne Kilpatrick

    Stewart & Stewart Associates

  • S

    Buyer's Agent in 2020

    Sandi Menendez

    Pelican Appraisals

See All Agents

Map

Source: MLS United

MLS Number: 4107325

MLS United

APN: 135N-1-39-225.000

Mississippi Hancock County Bay Saint Louis 39520

4040 Cardinal St, Bay Saint Louis, MS

Sold

Detached

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

MLS United Information is deemed to be reliable but not guaranteed. Copyright 2026 MLS United, LLC.

Nearby Homes
Your Personal Tour Guide

Ask me questions while you tour the home.