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113 Shirley Ave, Winona, MS, 38967

3beds
2baths
1,193sqft
$122,000
$102price/sqft
$1,095/moest. monthly cost
$43,800/yrincome needed

About This Home

Great opportunity for a new buyer! This 3 bedroom, 1.5 bath home offers 1,193 sq. ft. and lots of potential inside and out. The half bath is already plumbed for a shower, giving you room to add value. Located in Montgomery County, this home is priced with the buyer in mind. Plus, qualified buyers may be eligible for Sumner Grant funds for college. Buyers should verify eligibility requirements. Call today to take a look!

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Winona Elementary SchoolGrades PK-60.8 mi
4/10
Winona Secondary SchoolGrades 7-120.4 mi

Construction

Condition

  • Year built: 1983

Materials

  • Roof: Asphalt
  • Construction materials: Frame,Brick Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Oven,Washer,Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Tile
  • Finished area above ground: 1,193

Heating & Cooling

  • Heating features: Electric,Natural Gas,Forced Air,Zoned,Other
  • Cooling features: Central,Zoned

Interior Area

  • Total structure area: 1,193
  • Total interior livable area: 1,193 sqft

Kitchen

  • Features: Eat-in Kitchen,Laminate Counters

Property

Details

  • Parcel number: 3312601000000001800
  • Lease amount: 0

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Utilities
  • Has view: Yes
  • View description: Street

Lot

  • Lot size: 9,147 sqft
  • Features: Trees

Parking

  • Total spaces: 1
  • Parking features: Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Hail
Heat Wave
Ice Storm

FEMA Declared Disasters in Montgomery County and Mississippi

Flood
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 $616$7,392
Home Insurance *$205$2,460
Property Taxes $82$984
Electricity $192$2,304
Total$1,095$13,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,542/yr
40% on housing$32,850/yr
45% on housing$29,200/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: 24.1%
24.1%
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 38967$101
Montgomery County$99

vs Homes Sold Last Month

Median $/sqft

ZIP 38967
Montgomery County$63

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
2026-05-11Listed for sale$122,000
2026-01-13Listing removed$147,500
2025-07-23Price change$147,500
2025-04-15Listed for sale$175,000

For Sale by Agent

AgentRhonda Lee
BrokerageLandmark Realty

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