404 Bay Cove

Ridgeland, MS 39157

$495,900
Price
4
Beds
2,865 Sq. Ft.
$173 / Sq. Ft.
2,865
Sq. Ft.
$173
per Sq. Ft.
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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...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.
  1. Listed by Heather Gibson • Brokerage DRE #24601 • EXIT Realty Collective
    P: (601)-983-7220 hgibsonhomes@gmail.com

Property Details for 404 Bay Cove

Architectural Style
French Acadian
Waterfront
Yes
Waterfront Features
Lake
LISTING UPDATED: 03/26/2026 01:31 AM

Property Details for 404 Bay Cove

StatusActive
MLS #4140407
Days on Market32
Taxes$3,040 / year
HOA Fees$2,040 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built2002
Lot Size0.24 AC / 10,454 SF
CountyMadison County
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Location

Listing Courtesy of EXIT Realty Collective
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Building Information for 404 Bay Cove

Stories-Year Built2002Building Size-Lot Size0.24 AC / 10,454 SF

Payment Calculator

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$2,830 per month

30 year fixed, 6.11% Interest

Principal and Interest

$2,407

Property Taxes

$253

HOA Dues

$170

The Payment Calculator is for illustrative purposes only.

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Property Information for 404 Bay Cove

Summary
Location and General Information
  • Directions: 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 Features: Boating, Fishing, Gated, Lake, Marina
  • Fencing: Back Yard, Brick, Wood
  • Subdivision Name: Summers Bay
  • Latitude: 32.43
  • Longitude: -90.07
Taxes and HOA
  • Association: Yes
  • Association Fee: $2,040
  • Association Fee Frequency: Annually
  • Tax Legal Description: LOT 21 SUMMERS BAY
  • Association Fee Includes: Maintenance Grounds, Management, Other
  • Tax Year: 2025
  • Tax Annual Amount: $3,040.00
  • Tax and Financial Information:Tax Annual Amount: $3,040.00
  • Tax and Financial Information:Tax Year: 2,025.00
  • Tax and Financial Information:Homestead Y/N: Yes
  • Tax and Financial Information:Additional Exemptions Y/N: No
  • Tax and Financial Information:Flood Insurance Required?: No
  • Tax and Financial Information:Leasehold Y/N: Yes
  • Tax and Financial Information:16th Section: Yes
  • Tax and Financial Information:Association: Yes
  • Tax and Financial Information:Association Fee: $2,040.00
  • Tax and Financial Information:Association Fee Frequency: Annually
  • Tax and Financial Information:Covenants Y/N: Yes
  • Tax and Financial Information:Legal Description: LOT 21 SUMMERS BAY
Parking
  • Parking Features: Parking Pad, Concrete
  • Garage: Yes
  • Carport Spaces: .00
  • Garage Spaces: 2.00
  • Attached Garage: No
  • Parking Features:Garage: Yes
  • Parking Features:Parking Pad: Yes
School Information
  • Elementary School: Ann Smith
  • High School: Ridgeland
  • Middle Or Junior School: Olde Towne
Property
Lot Information
  • Lot Size Acres: 0.24
  • Property Condition: Move In Ready
  • Year Built Source: Appraiser
  • Lot Features: Cul-De-Sac
  • Structure Type: House
  • Living Area Source: Appraiser
  • Building Area Total: 2865.0
  • Lot Size Area: 0.24
  • Lot Size Units: Acres
  • Lot Size Square Feet: 10454.4
  • Waterfront Features:Waterfront: No
  • Waterfront Features:Boat Slip: Yes
  • Waterfront Features:Lake: Yes
Property and Assessments
  • New Construction: No
  • Open Houses Change Timestamp: 03-22-2026 07:54:57 PM
  • Floor Plans Count: 0
  • Property Type: Residential,Single Family Residence
  • Year Built: 2002
  • Property Sub Type: Single Family Residence
  • General Property Information:New Construction: No
  • General Property Information:Property Condition: Move In Ready
  • General Property Information:Approx Lot Size Acres: .24
  • General Property Information:SqFt Source: Appraiser
  • General Property Information:Year Built Source: Appraiser
  • General Property Information:Garage Spaces: 2.00
  • General Property Information:Carport Spaces: .00
  • General Property Information:Total Floors: 2.00
  • General Property Information:Bathrooms Half: 1.00
  • General Property Information:Bathrooms Three Quarter: .00
  • General Property Information:Fireplace: Yes
  • General Property Information:Fireplaces Total: 1.00
  • General Property Information:Pool: No
  • General Property Information:School District: Madison CO Dist
  • General Property Information:Elementary School: Ann Smith
  • General Property Information:Elementary School 2: N/A
  • General Property Information:Intermediate School: N/A
  • General Property Information:Middle or Junior School: Olde Towne
  • General Property Information:High School: Ridgeland
  • General Property Information:Home Warranty: No
  • General Property Information:Accessibility Features: No
Utilities
  • Electric: True
  • Utilities: Electricity Connected
Interior and Exterior Features
Exterior Features
  • Roof: Architectural Shingles, Copper
  • Pool Private: No
  • Construction Materials: Brick
  • Foundation Details: Slab
  • Exterior Features: Boat Slip, None
Interior Features
  • Flooring: Carpet
  • Fireplace: Yes
  • Cooling: Yes
  • Cooling: Central Air, Electric
  • Fireplace Features: Living Room
  • Heating: Central, Fireplace(s)
  • 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, Storage, Walk-In Closet(s), Breakfast Bar
  • Laundry Features: Electric Dryer Hookup, Inside, Main Level, Sink, Washer Hookup
  • Levels: Two
  • Sewer: Public Sewer
  • Water Source: Public
  • Window Features: Bay Window(s), Insulated Windows, Wood Frames
  • Heating: Yes
  • Rooms Total: 0
  • Bathrooms Total Integer: 4
  • Bathrooms Total Decimal: 3.50
  • Bathrooms Total Notational: 3.10
  • Bedrooms Total: 4
  • Bathrooms Full: 3
  • Bathrooms Half: 1
  • Bathrooms Three Quarter: 0
  • Appliances: Dishwasher, Gas Cooktop, Refrigerator

Property History for 404 Bay Cove

DateEvent & SourcePriceAppreciation
Feb 25, 2026

Listed (Active)

GCAOR MLS #4140407

$495,900—
Jun 12, 2024

Sold

GCAOR MLS #4075820

—
May 4, 2024

Contract Signed

GCAOR MLS #4075820

—
Apr 6, 2024

Listed (Active)

GCAOR MLS #4075820

$479,900—
DateEvent & SourcePrice
02/25/2026

Listed (Active)

GCAOR MLS #4140407

$495,900
06/12/2024

Sold

GCAOR MLS #4075820

—
05/04/2024

Contract Signed

GCAOR MLS #4075820

—
04/06/2024

Listed (Active)

GCAOR MLS #4075820

$479,900

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 404 Bay Cove

Taxable ValueLand-Additions-Total-
Tax Record2025$3,040 ($253 / month)
Home Facts
Beds0Total Finished SqFt3,373 SqFtAbove Grade Finished SqFt3,373 SqFtStyleSingle Family ResidenceYear Built2002CountyMADISONAPN072E-22D-092Fireplace TypeHas Fireplace

Schools near 404 Bay Cove

This home is within Madison Co School Dist.
Rating
School
Type
Grades
Distance
Ann Smith Elementary School
Public - PK to 2
Highland Elementary School
Public - 3 to 5
Olde Towne Middle School
Public - 6 to 8
Ridgeland High School
Public - 9 to 12
Rating
School
Distance
Ann Smith Elementary School
PublicPK to 2

Highland Elementary School
Public3 to 5

Olde Towne Middle School
Public6 to 8

Ridgeland High School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 404 Bay Cove, Ridgeland, MS 39157

404 Bay Cove is a single family home for sale in Ridgeland, MS 39157. This property was listed for sale on February 25, 2026 by EXIT Realty Collective, it's currently listed at $495,900. It has been on the market for a total of 32 days and was last sold on June 12, 2024. This listing's school district is Madison Co School Dist. Nearby schools include Ann Smith Elementary School, Highland Elementary School and Olde Towne Middle School. 404 Bay Cove is a 4-bed, 4-bath, 2,865 sqft single family home built in 2002.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of EXIT Realty Collective

The data relating to real estate listings on this website comes in part from the Internet Data Exchange (IDX) program of Multiple Listing Service of ROAM MLS, Gulf Coast Association of REALTORS, REALTOR Association of Acadiana and South West Louisiana Association of REALTORS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listings provided by brokerages other than Compass are identified with the ROAM MLS, Gulf Coast Association of REALTORS, REALTOR Association of Acadiana and South West Louisiana Association of REALTORS Logos. All Information Is Deemed Reliable But Is Not Guaranteed Accurate. All information should be verified by the recipient and none is guaranteed as accurate by ROAM MLS, Gulf Coast, REALTOR Association of Acadiana and South West Louisiana Association of REALTORS.Listing information Copyright© 2026 MLS of ROAM, Gulf Coast, REALTOR Association of Acadiana and South West Louisiana Multiple Listing Service, Inc. All Rights Reserved.