645 Union St

Bay St. Louis, MS 39520

$235,000
Price
3
Beds
1,469 Sq. Ft.
$160 / Sq. Ft.
1,469
Sq. Ft.
$160
per Sq. Ft.
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New
New
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Description

Welcome to this charming 3-bedroom, 2-bath brick home located in a quiet Bay St. Louis neighborhood, just a short golf cart ride from downtown! Featuring a spacious combined living and dining area, this home also offers a versatile flex room that can be used as a home office, playroom, second living area, workout room, or whatever best fits your lifestyle. Inside, you'll find ceramic tile and LVP flooring throughout, along with a large laundry room for added convenience. The roof was replaced in...Welcome to this charming 3-bedroom, 2-bath brick home located in a quiet Bay St. Louis neighborhood, just a short golf cart ride from downtown! Featuring a spacious combined living and dining area, this home also offers a versatile flex room that can be used as a home office, playroom, second living area, workout room, or whatever best fits your lifestyle. Inside, you'll find ceramic tile and LVP flooring throughout, along with a large laundry room for added convenience. The roof was replaced in 2020, providing peace of mind for years to come. Step outside to enjoy the oversized fenced backyard featuring a large concrete patio that's perfect for entertaining, grilling, or simply relaxing outdoors. The backyard also includes a huge storage shed/workshop and plenty of room for kids, pets, gardening, or future outdoor projects. A circle driveway provides ample parking and added convenience. Whether you're looking for an investment property, a project home to make your own, a first home, or your forever home, this property offers endless possibilities. Previously rented for $1,600 per month, it has proven income potential. Conveniently located just minutes from downtown Bay St. Louis, you'll enjoy easy access to shopping, restaurants, entertainment, the beach, fishing, and everything the Mississippi Gulf Coast has to offer. Also, no flood insurance required! Bring your vision and make this home your own!
  1. Listed by Whitney M Young • Brokerage DRE #21438 • Coastal Realty Group
    P: (228)-669-0423 C: (228)-669-0423 whitney@coastalrealtygroup.com
  2. Listed by Misty M Elsworth • Brokerage DRE #21438 • Coastal Realty Group
    P: (228)-697-8074 C: (228)-697-8074 misty@coastalrealtygroup.com

Property Details for 645 Union Street

Waterfront
Yes
Waterfront Features
Other
Zoning
Single Family Residential
LISTING UPDATED: 07/14/2026 11:40 AM

Property Details for 645 Union Street

StatusActive
MLS #4155803
Days on Market1
Taxes$2,018 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1984
Lot Size0.25 AC / 10,890 SF
CountyHancock County
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Location

Listing Courtesy of Coastal Realty Group
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Building Information for 645 Union Street

Stories-Year Built1984Building Size-Lot Size0.25 AC / 10,890 SF

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$1,339 per month

30 year fixed, 6.36% Interest

Principal and Interest

$1,171

Property Taxes

$168

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 645 Union Street

Summary
Location and General Information
  • Zoning Description: Single Family Residential
  • Community Features: Near Entertainment
  • Fencing: Back Yard, Privacy
  • Subdivision Name: Metes And Bounds
  • Latitude: 30.31
  • Longitude: -89.34
Taxes and HOA
  • Association Fee: $0
  • Tax Legal Description: VALPINE SUBD. PHASE 1 LOT 6
  • Tax Year: 2025
  • Tax Annual Amount: $2,018.00
  • Tax and Financial Information:Tax Annual Amount: $2,018.00
  • Tax and Financial Information:Tax Year: 2,025.00
  • Tax and Financial Information:Homestead Y/N: No
  • Tax and Financial Information:Additional Exemptions Y/N: No
  • Tax and Financial Information:Zoning: Single Family Residential
  • Tax and Financial Information:Flood Insurance Required?: No
  • Tax and Financial Information:Leasehold Y/N: No
  • Tax and Financial Information:Association: No
  • Tax and Financial Information:Covenants Y/N: No
  • Tax and Financial Information:Legal Description: VALPINE SUBD. PHASE 1 LOT 6
Parking
  • Parking Features: Driveway, Circular Driveway
  • Carport Spaces: .00
  • Garage Spaces: .00
  • Attached Garage: No
  • Parking Features:Driveway: Yes
School Information
  • Elementary School: Bay St. Louis
  • High School: Bay St Louis
  • Middle Or Junior School: Bay St. Louis Middle
Property
Lot Information
  • Other Structures: Shed(s), Workshop, Barn(s)
  • Lot Size Acres: 0.25
  • Lot Size Dimensions: Appox 90 X 123 x 90 x 123
  • Year Built Source: Other
  • Lot Features: Fenced
  • Structure Type: House
  • Living Area Source: Appraiser
  • Building Area Total: 1469.0
  • Lot Size Area: 0.25
  • Lot Size Units: Acres
  • Lot Size Square Feet: 10890.0
  • Waterfront Features:Other: Yes
Property and Assessments
  • New Construction: No
  • Floor Plans Count: 0
  • Property Type: Residential,Single Family Residence
  • Year Built: 1984
  • Property Sub Type: Single Family Residence
  • General Property Information:New Construction: No
  • General Property Information:Approx Lot Size Acres: .25
  • General Property Information:Lot Size Dimensions: Appox 90 X 123 x 90 x 123
  • General Property Information:SqFt Source: Appraiser
  • General Property Information:Year Built Source: Other
  • General Property Information:Garage Spaces: .00
  • General Property Information:Carport Spaces: .00
  • General Property Information:Total Floors: 1.00
  • General Property Information:Bathrooms Half: .00
  • General Property Information:Bathrooms Three Quarter: .00
  • General Property Information:Fireplace: No
  • General Property Information:Pool: No
  • General Property Information:School District: Bay St. Louis Waveland Dist
  • General Property Information:Elementary School: Bay St. Louis
  • General Property Information:Middle or Junior School: Bay St. Louis Middle
  • General Property Information:High School: Bay St Louis
  • General Property Information:Home Warranty: No
  • General Property Information:Accessibility Features: No
Utilities
  • Electric: True
  • Utilities: Cable Available, Electricity Connected, Phone Available, Sewer Connected, Water Connected
Interior and Exterior Features
Exterior Features
  • Roof: Asphalt Shingle
  • Pool Private: No
  • Construction Materials: Brick Veneer
  • Foundation Details: Slab
  • Exterior Features: Private Yard, Other, See Remarks
  • Patio And Porch Features: Patio, Porch
  • Workshop Features:Workshop Features Workshop: Yes
Interior Features
  • Flooring: Luxury Vinyl, Ceramic Tile
  • Fireplace: No
  • Cooling: Yes
  • Cooling: Central Air, Electric
  • Heating: Central, Electric, Heat Pump, Hot Water
  • Interior Features: Ceiling Fan(s), Crown Molding, Stone Counters
  • Laundry Features: Laundry Room
  • Levels: One
  • Sewer: Public Sewer
  • Water Source: Public
  • Heating: Yes
  • Rooms Total: 0
  • Bathrooms Total Integer: 2
  • Bathrooms Total Decimal: 2.00
  • Bathrooms Total Notational: 2.00
  • Bedrooms Total: 3
  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms Three Quarter: 0
  • Appliances: Dryer, Microwave, Oven, Refrigerator, Washer

Property History for 645 Union Street

DateEvent & SourcePriceAppreciation
Jul 14, 2026

Listed (Active)

GCAOR MLS #4155803

$235,000—
Dec 17, 2020

Sold

GCAOR MLS #3365613

—
Oct 3, 2020

Contract Signed

GCAOR MLS #3365613

—
DateEvent & SourcePrice
07/14/2026

Listed (Active)

GCAOR MLS #4155803

$235,000
12/17/2020

Sold

GCAOR MLS #3365613

—
10/03/2020

Contract Signed

GCAOR MLS #3365613

—

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

Public Records for 645 Union Street

Taxable ValueLand$4,968Additions$11,888Total$16,856
Tax Record2025$1,939 ($162 / month)
Home Facts
Beds3Total Finished SqFt1,435 SqFtAbove Grade Finished SqFt1,435 SqFtStyleSingle Family ResidenceYear Built1984CountyHANCOCKAPN137H-0-45-144.005

Schools near 645 Union Street

This home is within Bay St Louis Waveland School Dist.
Rating
School
Type
Grades
Distance
Waveland Elementary School
Public - PK to 2
North Bay Elementary School
Public - 3 to 6
Bay Waveland Middle School
Public - 6 to 8
Bay High School
Public - 9 to 12
Rating
School
Distance
Waveland Elementary School
PublicPK to 2

North Bay Elementary School
Public3 to 6

Bay Waveland Middle School
Public6 to 8

Bay 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 645 Union Street, Bay St. Louis, MS 39520

645 Union Street is a single family home for sale in Bay St. Louis, MS 39520. This property was listed for sale on July 14, 2026 by Coastal Realty Group, it's currently listed at $235,000. It has been on the market for a total of 0 days and was last sold on December 17, 2020. This listing's school district is Bay St Louis Waveland School Dist. Nearby schools include Waveland Elementary School, North Bay Elementary School and Bay Waveland Middle School. 645 Union Street is a 3-bed, 2-bath, 1,469 sqft single family home built in 1984.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim 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 seller's discretion. 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 Coastal Realty Group

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.