404 Bay Cove Ridgeland, MS $ 495,900
404 Bay Cove
$ 495,900
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404 Bay Cove

Ridgeland, MS, 39157
$ 495,900
Bedrooms4 Baths3.1 Sq 2,865

Monthly Estimate*

$ 3,053

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Single Family Home for sale in Ridgeland, MS

for $495,900 with 4 bedrooms and 3 full baths, 1 half bath. This 2,865 square foot home was built in 2002 on a lot size of 0.24.

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.

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Single Family Active

Price

$ 495,900

Bedrooms

4

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 3,040

Style

French Acadian

Lot Size

0.24

Year Built

2002

Town/City

Ridgeland

County/Region

Madison

MLS | Web ID

4140407

Features
General
Property Subtype Single Family Residence
Tax Year 2025
County Madison
Property Type Residential
HOA true
Subdivision Name Summers Bay
Status Active
City Ridgeland
Lot Size Units Acres
Lot Size Square Feet 10454.4
Standard Status Active
Heating Central Fireplace(s)
Garage Spaces 2
Architectural Style French Acadian
Construction Materials Brick
Year Built 2002
New Construction false
Attached Garage false
Total Rooms 0
High School Ridgeland
Elementary School Ann Smith
Middle/Junior High School Olde Towne
Property Condition Move In Ready
Sewer Public Sewer
HOA Fee 2040
Assoc Fee Paid Per Annually
Community Features Boating Fishing Gated Lake Marina
Virtual Tour https://www.propertypanorama.com/404-Bay-Cove-Ridgeland-MS-39157/unbranded
Structure Type House
Association Fee Includes Maintenance Grounds Management Other
Levels Two
Utilities Electricity Connected
Cooling Central Air Electric
Waterfront Features Lake
Roof Architectural Shingles Copper
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Interior
Total Baths 4
Interior Amenities 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
Flooring Carpet
Heating Y/N true
Laundry Features Electric Dryer Hookup Inside Main Level Sink Washer Hookup
Fireplace Features Living Room
Window Features Bay Window(s) Insulated Windows Wood Frames
Air Conditioning Y/N true
Fireplace Y/N true
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Exterior
Lot Size Area 0.24
Lot Size Acres 0.24
Parking Features Parking Pad Concrete
Lot Features Cul-De-Sac
Water Source Public
Building Area Total 2865
Waterfront Y/N true
Exterior Amenities Boat Slip None
Fencing Back Yard Brick Wood
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* Excluded Features
List By
Heather Gibson

Listing Agent

Exit Realty Collective

Broker

hgibsonhomes@gmail.com

Email

Affordability Calculator

$3,307
Per Month
92%
8%
0%
Monthly Principal & Interest
$3,053
Monthly Property Taxes
$253
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3528627 Elementary School
4746969 Middle School
Ridgeland High School High School
Pricing History
DatePricePrice ChangeDescription
2/25/2026$495,900 Listed Price

Map


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404 Bay Cove, Ridgeland, MS, 39157 is a Single Family Home for sale at $495,900 with 2,865 sqft and a lot size of 0.24. 404 Bay Cove has 4 bedrooms, 3.1 baths, and was built in 2002. The property's zip code is 39157 which is in Ridgeland, MS