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630 Highway 342, Pontotoc, MS, 38863

5beds
4baths
3,900sqft
$509,000
$131price/sqft
$3,558/moest. monthly cost
$142,320/yrincome needed

About This Home

MAJESTIC...describes this customized home 15 minutes from Tupelo. Step inside, you will find 5 bedrooms, 3 full baths and 2 half baths. The ceilings are 10-14ft throughout the home. When you step into the master, you will feel like royalty, with his/her double vanities, his/her spacious walk in closets and a large tile shower. Offering 3 bedrooms on the same wing as the master. A separate wing offers a MIL quarters, possible business, office space, or rent it out! The separate wing can be accessed from inside or outside the home which offers tons of options. The kitchen offers lots of counter and cabinet space there's also a gas stove and a copper sink. Outside, you will find a detached double garage or workshop in addition to the double garage.All information is subject to verificati

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

7/10
6/10
5/10
Pontotoc High SchoolGrades 9-123.3 mi

Construction

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Features

  • Ceiling Fans
  • Window features: Window Treatments
  • Fireplace features: Gas Log
  • Finished area below ground: 0
  • Finished area above ground: 3,900

Interior Area

  • Total structure area: 3,900
  • Total interior livable area: 3,900 sqft

Property

Details

  • Parcel number: 1151500001811

Features

  • Stories: 1
  • Patio & porch: Patio

Lot

  • Lot size: 4.70 Acres
  • Lot size dimensions: 4.7+

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Strong Wind
Tornado
Hail

FEMA Declared Disasters in Pontotoc 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 $2,573$30,876
Home Insurance *$411$4,932
Property Taxes $212$2,544
Electricity $362$4,351
Total$3,558$42,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,988/yr
40% on housing$106,740/yr
45% on housing$94,880/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -5.5%
-5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$131This listing

vs Other Active Listings

Avg $/sqft

ZIP 38863$115
Pontotoc County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 38863$142
Pontotoc County$175

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
2026-05-05Listed for sale$519,000
2026-03-23Listing removed$529,000
2026-03-01Listed for sale$529,000
2026-02-20Pending sale$529,000
2026-01-07Price change$529,000
2025-11-29Price change$539,000
2025-09-22Listed for sale$549,000

For Sale by Agent

AgentPATTY TURK, ABR
BrokeragePatty Turk Properties, LLC

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