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129 N Main St, Pontotoc, MS, 38863

6beds
4baths
3,435sqft
$349,900
$102price/sqft
$2,373/moest. monthly cost
$94,920/yrincome needed

About This Home

Two homes for sale on this beautiful, 1.24 acres on Main Street in downtown Pontotoc. Perfect location next to Pontotoc High School and across the street from Pontotoc Junior High School. The front home has been recently renovated and has 1835 ft.². There are three large bedrooms and 2 1/2 baths. The master bath has a walk-in tiled shower and a spacious closet. There is wide, vinyl flooring throughout and a gas fireplace in the living room. Large kitchen and dining room with huge island, many cupboards, pantry, granite, countertops, and granite sink. Newer LG appliances go with the home, which include: side-by-side refrigerator/freezer with icemaker, dishwasher, gas self-cleaning range, and microwave. Washer and dryer are newer and go with the home too. There is a new deck on the back and new fencing. The back house is a two-story with three bedrooms and one bath. The upstairs is open but finished off. Has a one car garage and is 1600 ft.². Perfect place for those that wanna be by all the amenities that Pontotoc has to offer. By Appointment Only NO REALTORS

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
6/10
5/10
Pontotoc High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Retaining Wall
  • Roof: Metal

Type & Style

  • Home type: Unknown

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/4 bathrooms: 1

Features

  • Flooring: Hardwood,Laminate,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Heat pump,Other,Electric,Gas
  • Cooling features: Central,Other

Interior Area

  • Total interior livable area: 3,435 sqft

Property

Details

  • Parcel number: 173C3308003

Features

  • Exterior features: Vinyl,Brick
  • Has view: Yes
  • View description: City

Parking

  • Parking features: Carport,Garage - Attached,Off-street

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
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,769$21,228
Home Insurance *$282$3,384
Property Taxes $3$36
Electricity $319$3,832
Total$2,373$28,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,360/yr
40% on housing$71,190/yr
45% on housing$63,280/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

$102This listing

vs Other Active Listings

Avg $/sqft

ZIP 38863$116
Pontotoc County$123

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)

No zestimate history available

Price History

DateEventPrice
2026-07-17Listed for sale$349,900
2023-06-23Listing removed--
2023-04-04Listed for sale$459,000

For Sale by Owner

AgentProperty Owner

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