Hancock County property record for 3098 Fourth St, Bay Saint Louis, MS 39520
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,204 sqft · built 2007 |
| Owner | Individual Name on File |
| Tax Bill | $919 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 138G-0-46-062.000 |
| Primary APN | 138G-0-46-062.000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,204 sqft Adjusted Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Deck Area | 25 sqft |
| Utility Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 3098 FOURTH ST |
|---|---|
| City | BAY SAINT LOUIS |
| State | MS |
| Zip | 39520-8658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 44 AND WEST 1/2 OF 43SH PARKUN IT 1 44 & W 1/2 - 43 BLOCK 6 |
| Legal Subdivision | SHORELINE |
| Legal Block | 6 |
| Jurisdiction | HANCOCK MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2061 |
| Census Tract | 30302 |
3098 Fourth St is owned and occupied by an individual.
Source: Hancock County records, as of January 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3098 FOURTH ST, BAY ST LOUIS, MS 39520-8658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3098 Fourth St was $919.
Source: Hancock County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| Municipality | Bay St. Louis City |
| County | Hancock County |
| Unified School District | Bay St. Louis-Waveland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $919.00 | $7,995 Land $600 Building $7,395 | $79,952 Land $6,000 Building $73,952 |
| 2023 | $875.00 | $7,615 Land $600 Building $7,015 | $76,148 Land $6,000 Building $70,148 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3098 Fourth St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 31, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 18.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 224 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 224 in force |
| Nearby Flood Claims | 39 (2002–2024) |
| Most Recent Claim | Sep 2024 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3098 Fourth St is moderate, ranking above 44% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 41% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HANCOCK COUNTY WATER & SEWER serves 3,254 people · EPA ID MS0230065 |
|---|---|
| Water Source | Purchased groundwater from HANCOCK COUNTY UTILITY AUTHORITY |
| Last State Inspection | Jul 2023 |
| Also Mapped Here | CITY OF BAY ST LOUIS |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2019 Haloacetic acids not recorded as resolved · Jul 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CoastConnect Fiber | 2,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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