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384 Ponta Hills Rd, Meridian, MS, 39305

3beds
2baths
2,700sqft
$189,000
$70price/sqft
$1,575/moest. monthly cost
$63,000/yrincome needed

About This Home

Welcome to your new home in a charming neighborhood in Lauderdale County, MS. This three-bedroom, two-bath brick house sits on a spacious 2.30± acre lot, featuring a fenced backyard with a small workshop, an attached two-car garage, and an office. Enjoy the open floor plan with high ceilings in the living room, a spacious kitchen, and a large family room with a beautiful stone fireplace as the centerpiece for your entertainment. The sizeable primary suite features a bathroom with a jetted tub as well as walk-in closets. Enjoy the large deck overlooking the wooded property while enjoying your beverage of choice and watching the sunset! A wooded landscape surrounds the property and provides plenty of outdoor space. Conveniently located near all Meridian has to offer. The home is being sold as is.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Fixer
  • Year built: 1988

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Brick,Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: Inside,Laundry Closet

Bedrooms & Bathrooms

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

Features

  • High Ceilings,Open Floorplan,Walk-In Closet(s)
  • Door features: Dead Bolt Lock(s),Double Entry
  • Window features: Blinds
  • Flooring: Concrete,Simulated Wood
  • Fireplace features: Living Room,Raised Hearth,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,700
  • Total interior livable area: 2,700 sqft

Property

Details

  • Parcel number: 132040000000000400

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Private Yard,Rain Gutters
  • Fencing: Back Yard,Wood,Fenced
  • Has view: Yes

Lot

  • Lot size: 2.22 Acres
  • Features: Few Trees,Views

Parking

  • Total spaces: 2
  • Parking features: Carport,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $955$11,460
Home Insurance *$267$3,204
Property Taxes $102$1,224
Electricity $251$3,012
Total$1,575$18,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,000/yr
40% on housing$47,250/yr
45% on housing$42,000/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

$70This listing

vs Other Active Listings

Avg $/sqft

ZIP 39305$116
Lauderdale County$100

vs Homes Sold Last Month

Median $/sqft

ZIP 39305$99
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)

No zestimate history available

Price History

DateEventPrice
2026-03-30Price change$189,000
2026-01-13Price change$210,000
2025-03-27Price change$225,000
2024-07-16Price change$249,000
2024-04-17Listed for sale$270,000
2022-06-02Listing removed--
2022-03-05Listed for sale$295,000
2019-07-29Listing removed$186,500
2018-11-26Listed for sale$186,500
2018-11-07Pending sale$186,500
2018-11-01Price change$186,500
2018-10-02Listed for sale$192,500

For Sale by Agent

AgentTom N Smith
BrokerageTom Smith Land & Homes

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