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406 3rd St N, Columbus, MS, 39701

4beds
5baths
3,368sqft
$295,000
$88price/sqft
$2,612/moest. monthly cost
$104,480/yrincome needed

About This Home

This beautiful antebellum is perfectly suitable as a family home, communial living or Airbnb rental! Formerly a Bed & Breakfast, it offers a perfect blend of historical charm with modern amenities. It features a newly renovated kitchen with a handmade farmhouse drop leaf table, granite counters and open floor plan for entertaining. It also has four generously sized bedrooms each with its own full bathroom for convenience and privacy, with a half bath downstairs for guests and a multi purpose room perfect as a home office, game or work out room. Fantastic investment opportunity! Property is real estate agent owned.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

3/10
Franklin AcademyGrades PK-50.1 mi
3/10
Columbus Middle SchoolGrades 6-84.6 mi
3/10
Columbus High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1840

Materials

  • Foundation: Conventional
  • Roof: Metal
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Cooking Unit

Bedrooms & Bathrooms

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

Features

  • Window features: Wood Frames
  • Flooring: Hardwood,Laminate,Tile

Heating & Cooling

  • Heating features: Central,Space Heater
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 3,368
  • Total interior livable area: 3,368 sqft

Property

Details

  • Parcel number: 61W440000800

Features

  • Patio & porch: Front Porch
  • Fencing: Back Yard,Barbed Wire,Partial
  • Waterfront features: None

Lot

  • Lot size dimensions: 133 x 167 x 31 x 92 x 24 x 54 x 39 x 4

Parking

  • Parking features: None

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
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Lowndes 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 $1,491$17,892
Home Insurance *$803$9,636
Property Taxes $5$60
Electricity $313$3,758
Total$2,612$31,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,554/yr
40% on housing$78,360/yr
45% on housing$69,653/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -4.5%
-4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$88This listing

vs Other Active Listings

Avg $/sqft

ZIP 39701$97
Lowndes County$123

vs Homes Sold Last Month

Median $/sqft

ZIP 39701$98
Lowndes County$145

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
2026-04-15Price change$295,000
2026-02-17Listed for sale$325,000
2019-06-15Listing removed$35,000
2019-05-02Listed for sale$35,000

For Sale by Agent

AgentNADIA DALE COLOM
BrokerageJONES EXPANSION GROUP, LLC

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