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574 Ridgewood Ln, Houlka, MS, 38850

3beds
2baths
5,152sqft
$450,000
$87price/sqft
$3,199/moest. monthly cost
$127,960/yrincome needed

About This Home

Looking for country living, then here you have it. Situated on 24.5 acres, this ranch style home is a MUST SEE! Home offers 3Br/2Bths, 2 bonus rooms, a loft, a barn with two stalls and a feeding room, 2 ponds and an inground storm shelter. Let's get you home! All info subject to verification. All info subject to verification.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
6/10

Construction

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Marble Counters
  • Finished area below ground: 0
  • Finished area above ground: 5,152

Interior Area

  • Total structure area: 5,152
  • Total interior livable area: 5,152 sqft

Property

Details

  • Parcel number: 0872700000302

Features

  • Stories: 2

Lot

  • Lot size: 24.50 Acres
  • Lot size dimensions: 24.50 acres

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $2,275$27,300
Home Insurance *$258$3,096
Property Taxes $187$2,244
Electricity $479$5,748
Total$3,199$38,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,680/yr
40% on housing$95,970/yr
45% on housing$85,306/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

$87This listing

vs Other Active Listings

Avg $/sqft

ZIP 38850$265
Pontotoc County$123

vs Homes Sold Last Month

Median $/sqft

ZIP 38850
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
2026-03-30Listed for sale$475,500
2020-10-29Listing removed$295,000
2020-08-20Listed for sale$295,000
2019-09-18Listing removed$299,000
2018-09-18Listed for sale$299,000
2018-08-06Listing removed$299,000
2018-01-31Listed for sale$299,000

For Sale by Agent

AgentRosmir Washington
BrokerageTM REALTORS

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