See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

14537 Main St, Cruger, MS, 38924

5beds
4baths
2,883sqft
$183,000
$63price/sqft
$3,265/moest. monthly cost
$130,600/yrincome needed

About This Home

Spacious Brick home! Some renovations have been done but still needs your own touch! Serious buyers only!! House will not be shown UNLESS you have PREAPPROVAL LETTER FOR FULL AMOUNT!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Slab
  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Range / Oven

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,883 sqft

Property

Details

  • Parcel number: 0400300401

Features

  • Exterior features: Brick

Lot

  • Lot size: 1 sqft

Parking

  • Parking features: Garage - Attached

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Holmes 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 $925$11,100
Home Insurance *$1,995$23,940
Property Taxes $77$924
Electricity $268$3,216
Total$3,265$39,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,942/yr
40% on housing$97,950/yr
45% on housing$87,066/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$63This listing

vs Other Active Listings

Avg $/sqft

ZIP 38924$24
Holmes County$105

vs Homes Sold Last Month

Median $/sqft

ZIP 38924$15
Holmes County$142

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
2026-04-24Listed for sale$185,000
2026-04-07Listing removed--
2026-03-10Listed for sale$175,000

For Sale by Owner

AgentTracy

Similar Homes