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406 Brookhaven St, Monticello, MS, 39654

2beds
3baths
2,228sqft
$225,000
$101price/sqft
$1,802/moest. monthly cost
$72,080/yrincome needed

About This Home

Newly remodeled home in Monticello, MS. This property has new floors, paint, roof, appliances, etc. Don't miss this opportunity to call this your home. This is a Fannie Mae HomePath property. Check HomePath.com for more details. Restrictions apply.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

3/10
6/10
Rod Paige Middle SchoolGrades 6-80.9 mi
6/10

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Conventional
  • Roof: Architectural Shingles
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Microwave

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Vinyl
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Gas

Interior Area

  • Total structure area: 2,228
  • Total interior livable area: 2,228 sqft

Property

Details

  • Parcel number: M06002000217.00

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Fire Pit

Lot

  • Lot size: 3,484 sqft

Parking

  • Parking features: Driveway,Gravel
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Tornado
Hail
Hurricane
Heat Wave
Inland Flooding
Lightning
Strong Wind
Cold Wave
Drought
Ice Storm

FEMA Declared Disasters in Lawrence County and Mississippi

Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,137$13,644
Home Insurance *$344$4,128
Property Taxes $114$1,368
Electricity $207$2,486
Total$1,802$21,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,782/yr
40% on housing$54,060/yr
45% on housing$48,053/yr

Mississippi FAIR Plan Programs

Mississippi Windstorm Underwriting Association

Covered
HailHail
WindWind
Visit Website →

Mississippi Residential Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,237Commercial: -4
Total Premiums$1.77M
Total Exposure$137.66M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 2.3%
2.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -10.7%
-10.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 39654$75
Lawrence County$87

vs Homes Sold Last Month

Median $/sqft

ZIP 39654
Lawrence County$103

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-14Price change$205,000
2026-07-15Price change$225,000
2026-06-16Listed for sale$231,900
2021-04-12Sold--
2021-03-05Contingent$130,000
2021-03-05Pending sale$130,000
2020-12-29Price change$130,000
2020-10-05Listed for sale$135,000

For Sale by Agent

AgentZachary L Smith
BrokerageBetsy Smith Properties

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