$549,000

One property, two independently accessed above-ground levels, and a layout designed for exceptional flexibility. The upper main living area offers 3 bedrooms and 2 full bathrooms, while the separately accessed lower-level studio/guest suite is completely independent from the upper level, with exterior access only and no interior connection between the two spaces. Together, the home offers approximately 2,759 square feet of heated and cooled finished space, per appraiser sketch, including approximately 1,465 square feet on the upper level and 1,294 square feet on the lower level. With a kitchen, laundry room, full bathroom, and private entrance serving each level, this unique configuration offers exceptional versatility for multigenerational living, private accommodations for guests, or an in-law-style suite. The layout may also appeal to investors exploring permitted rental or other income-producing possibilities; buyers should verify zoning, permitting, and intended use. The upper main living area features its own kitchen and laundry room, along with multiple porches and decks that create inviting spaces to unwind or enjoy a quiet cup of coffee outdoors. The primary suite is highlighted by a stunning, spa-inspired bathroom with upscale finishes, a freestanding soaking tub, and walk-in shower—creating a luxurious, hotel-like retreat at home. The lower-level studio features an open living and sleeping area along with its own full kitchen, laundry room, and luxurious full bathroom featuring a walk-in shower and freestanding soaking tub. Its private exterior entrance and separation from the upper level allow each space to maintain its own sense of privacy and independence. Outdoor living continues with a screened front porch, upper-level porches, expansive decking, a fenced backyard, covered parking, and a storage shed. A playground is conveniently located across the street. Enjoy the Bay St. Louis lifestyle in this golf-cart-friendly area where restaurants, shopping, and entertainment are just minutes away - subject to applicable city regulations and registration requirements. Located in Flood Zone X, where flood insurance is not federally required based solely on the flood-zone designation; individual lender requirements may vary. Homes with this kind of flexibility, privacy, and Bay St. Louis lifestyle are hard to duplicate. Come experience the spaces, the porches, and the possibilities for yourself—you may walk in seeing a unique property and leave already imagining life here. Schedule your private showing and see what makes this home so special.