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104 Herons Bay Cir, Madison, MS, 39110

4beds
4baths
2,824sqft
$699,900
$248price/sqft
$4,598/moest. monthly cost
$183,920/yrincome needed

About This Home

Don't miss this beautiful 4 bedroom 3.5 bath home that backs up to the water! It also has a beautiful view off the balcony! There is a covered boat dock along with a deck and boat slip. New Plan with great features. Master bath has a double vanity. All hard surface floors, no carpet. Tankless water heater extra insulation, super efficient HVAC. Counter tops are quartz and as with all our homes there will be a copper gas light over the front door. 10 year structural warranty. Lake Caroline offers 3 swimming pools to choose from, golf course, tennis courts, playground, walking trail, and clubhouse.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

1/10
Nichols Middle SchoolGrades 6-88.1 mi
4/10
Canton Public High SchoolGrades 10-1211.3 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Post-Tension,Slab
  • Roof: Architectural Shingles
  • Construction materials: Brick,HardiPlank Type,Lap Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Ceiling Fan(s),Double Vanity,Kitchen Island,Open Floorplan,Pantry,Track Lighting,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Wood
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace Insert,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Gas

Interior Area

  • Total structure area: 2,824
  • Total interior livable area: 2,824 sqft

Property

Details

  • Parcel number: Unassigned

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Balcony,Boat Slip
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Boat Dock,Lake

Lot

  • Lot size: 0.30 Acres

Parking

  • Total spaces: 2
  • Parking features: 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
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Madison 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 $3,539$42,468
Home Insurance *$436$5,232
Property Taxes $361$4,332
Electricity $262$3,151
Total$4,598$55,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,645/yr
40% on housing$137,940/yr
45% on housing$122,613/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 39110$210
Madison County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 39110$179
Madison County$172

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

DateEventPrice
2026-04-30Price change$699,900
2025-10-01Listed for sale$719,900
2024-02-05Listing removed--
2023-11-07Listed for sale$105,000

New Construction

AgentJill Hutchison
BrokerageKirkland Real Estate

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