12902 Cotton Row Dr, Olive Branch, MS, 38654
About This Home
Beautiful brick and stone curb appeal welcomes you to this spacious 4-bedroom, 3-bath home with a bonus room, situated on approximately 1.89 acres in the Center Hill School District. Inside, you'll find soaring ceilings, hardwood floors, an open layout, a spacious great room with fireplace, and a kitchen featuring granite countertops, custom cabinetry, double ovens, and a breakfast bar. The primary suite includes a spa-inspired bath with dual vanities, a soaking tub, and an oversized walk-through shower. Enjoy the covered patio, fire pit, side-entry garage, county taxes, and flexible bonus space. Ask about 100% financing and a $2,000 lender credit available through a preferred lender for qualified buyers. Schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Move In Ready
- Year built: 2015
Materials
- Foundation: Slab
- Roof: Architectural Shingles
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Double Oven,Electric Cooktop,Microwave,Refrigerator,Stainless Steel Appliance(s)
- Laundry features: Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Breakfast Bar,Ceiling Fan(s),Crown Molding,Double Vanity,Eat-in Kitchen,Entrance Foyer,Granite Counters,High Ceilings,Soaking Tub,Kitchen Island
- Window features: Blinds,Double Pane Windows,Insulated Windows,Window Coverings
- Flooring: Carpet,Ceramic Tile,Hardwood
- Fireplace features: Gas Log,Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Gas
Interior Area
- Total structure area: 2,900
- Total interior livable area: 2,900 sqft
Property
Details
- Parcel number: 2054180300002800
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch,Patio,Rear Porch
- Exterior features: Awning(s),Fire Pit,Private Yard,Rain Gutters
Lot
- Lot size: 1.89 Acres
Parking
- Total spaces: 2
- Parking features: Attached,Concrete
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Cold Wave
- Heat Wave
- Lightning
- Earthquake
- Inland Flooding
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in DeSoto County and Mississippi
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,578 | $30,936 |
| Home Insurance * | $333 | $3,996 |
| Property Taxes | $225 | $2,700 |
| Electricity | $269 | $3,235 |
| Total | $3,405 | $40,860 |
Income You'd Need if You Spent...
Mississippi FAIR Plan Programs
Mississippi Residential Property Insurance Underwriting Association
Wildfire
HailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-27 | Price change | $509,900 |
| 2026-07-12 | Listed for sale | $520,000 |
| 2024-06-29 | Listing removed | -- |
| 2024-06-25 | Listed for rent | $3,295 |
| 2023-12-08 | Sold | -- |
| 2023-11-15 | Pending sale | $465,000 |
| 2023-10-30 | Price change | $465,000 |
| 2023-10-17 | Price change | $472,000 |
| 2023-09-25 | Price change | $477,000 |
| 2023-08-04 | Price change | $479,000 |
| 2023-07-11 | Listed for sale | $488,000 |
| 2015-03-03 | Sold | -- |
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