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Single Family ResidenceResidential
$307,543$188 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

446 THOMAS ST

BAY SAINT LOUIS, MS 39520
3
Beds
1
Baths
1,636 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2008
Year BuiltThe year the home was originally built, according to county records.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$308K
$281K low$334K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,940 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$25,567 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,560
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$18,007
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$21,382
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$170,446

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.92 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.72%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHancock
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Bay Waveland Middle SchoolA-
Middle · Grades 6–8 · 0.9 mi
H
Bay High SchoolA
High · Grades 9–12 · 1.0 mi
E
Waveland Elementary SchoolA+
Elementary · Grades PK–2 · 3.3 mi

District: Bay St. Louis School District

Neighborhood · ZIP 39520These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.14,154
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.135 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,610
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,713
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.64 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

446 Thomas St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 66% of homes in Hancock County
  • Costs more per square foot than 83% of homes in Hancock County
  • Newer than 82% of homes in Hancock County

What homes are worth in Bay Saint Louis 39520

Each bar is how many homes fall in that price range. The marker is this home.

This home
$76K$944K

This home is worth more than 59% of homes in Bay Saint Louis 39520.

How it measures up in Bay Saint Louis 39520

The dot is this home. The mark in the middle is the typical home in Bay Saint Louis 39520.

Estimated value$307,543
CheaperTypical $270,095Pricier

Pricier than 59% of homes nearby

Price per ft²$188
CheaperTypical $151Pricier

Pricier than 68% of homes nearby

Living area1,636 ft²
SmallerTypical 1,720 ft²Bigger

Bigger than 46% of homes nearby

Year built2008
OlderTypical 2002Newer

Newer than 77% of homes nearby

How 446 Thomas St ranks against every home in each area.
MeasureThis homeBay Saint Louis 39520Hancock County
Estimated valuepricier than$307,54359% of homes66% of homes
Price per ft²pricier than$18868% of homes83% of homes
Living areabigger than1,636 ft²46% of homes39% of homes
Year builtnewer than200877% of homes82% of homes

About 446 Thomas St

How much is 446 Thomas St, Bay Saint Louis, MS worth?

The TopHap Estimate for 446 Thomas St, Bay Saint Louis, MS is $307,543 as of Sep 24, 2026. The likely range is $280,682 to $334,404. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 446 Thomas St, Bay Saint Louis, MS last sell?

446 Thomas St, Bay Saint Louis, MS last sold on Oct 15, 2019, according to the county's recorded deed.

How big is 446 Thomas St, Bay Saint Louis, MS?

446 Thomas St, Bay Saint Louis, MS has 3 bedrooms, 1 bathrooms and 1,636 square feet of living space.

When was 446 Thomas St, Bay Saint Louis, MS built?

446 Thomas St, Bay Saint Louis, MS was built in 2008, making it 18 years old.

What schools serve 446 Thomas St, Bay Saint Louis, MS?

446 Thomas St, Bay Saint Louis, MS is assigned to Bay Waveland Middle School (middle), rated A-; Bay High School (high), rated A; Waveland Elementary School (elementary), rated A+. All sit in Bay St. Louis School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 446 Thomas St, Bay Saint Louis, MS compare to other homes in Bay Saint Louis 39520?

Among the 6,958 homes in Bay Saint Louis 39520, it is worth more than 59% of them ($307,543 against a typical $270,095), its price per square foot is higher than 68% of them ($188 against a typical $151), it is bigger than 46% of them (1,636 ft² against a typical 1,720 ft²) and it is newer than 77% of them (2008 against a typical 2002). Measured against all of Hancock County, it is worth more than 66% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 446 Thomas St, Bay Saint Louis, MS?

The 2025 property tax bill for 446 Thomas St, Bay Saint Louis, MS was $2,940. The county assessed it at $25,567.

More homes on Thomas St

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Assigned schools

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