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12370 Schamberville Ln, Collinsville, MS, 39325

4beds
4baths
3,052sqft
$415,000
$136price/sqft
$2,770/moest. monthly cost
$110,800/yrincome needed

About This Home

Situated on 15.3 acres, this home offers the privacy and space many buyers seek, perfect for quiet country living and outdoor activities. Inside, you'll find a nice open-concept layout where the kitchen flows seamlessly into the living room and breakfast area. The kitchen is well-equipped with granite countertops, double ovens, and a gas range. Large windows across the back of the home bring in plenty of natural light, creating a bright and inviting atmosphere. The living room includes 10-foot ceilings, built-in bookshelves, and recessed lighting, adding character and style. The main floor features three bedrooms, including a spacious primary suite with an en-suite bathroom, walk-in shower, and large closet. Two additional bedrooms are connected by a Jack-and-Jill bathroom, offering both convenience and functionality. Upstairs, there is a generously sized bonus room with its own bathroom. Additional features include an attached garage and a long, private driveway. Mature trees surround the front of the property, offering privacy from the road and creating a peaceful, tucked-away feel. Residents have access to a private lake, perfect for fishing and enjoying outdoor activities. Don't miss your opportunity to own this beautiful property; schedule your showing and take a look before it's gone!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
8/10

Construction

Condition

  • Year built: 2008

Type & Style

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

Interior

Appliances

  • Appliances included: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes

Interior Area

  • Total structure area: 3,052
  • Total interior livable area: 3,052 sqft

Property

Details

  • Parcel number: 1120957500100100

Parking

  • Parking features: Garage
  • Has garage: 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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Lauderdale 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 $2,098$25,176
Home Insurance *$165$1,980
Property Taxes $224$2,688
Electricity $283$3,405
Total$2,770$33,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,971/yr
40% on housing$83,100/yr
45% on housing$73,866/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 39325$134
Lauderdale County$99

vs Homes Sold Last Month

Median $/sqft

ZIP 39325$159
Lauderdale County$99

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
2026-04-07Price change$419,000
2026-03-21Listed for sale$425,000
2021-03-24Listing removed--
2015-08-24Listing removed$289,900
2015-02-07Listed for sale$289,900

For Sale by Agent

AgentCamille Boler
BrokerageWhite Oak Properties, LLC

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