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57 Napier Rd, Seminary, MS, 39479

3beds
2baths
1,496sqft
$270,000
$180price/sqft
$1,865/moest. monthly cost
$74,600/yrincome needed

About This Home

Tucked away on a private 2 acre lot, this charming 3 bedroom, 2 bathroom home offers the peace, privacy, and space you've been searching for! From the moment you step inside, you'll feel right at home. The soaring vaulted ceilings and cozy wood-burning fireplace create a warm, welcoming living space that's perfect for quiet evenings or gathering with family and friends. Rich hardwood floors bring timeless character throughout the main living areas, while the brick flooring in the kitchen adds warmth and unique charm that makes this home stand out. Need extra space? You'll love the dedicated home office, spacious mudroom, and oversized laundry room, features that make everyday living both functional and convenient. At the end of the day, retreat to the private primary suite, complete with a spacious closet and an en-suite bath designed for comfort. Outside, the expansive 2-acre setting gives you room to relax, entertain, garden, or simply enjoy the privacy that's becoming harder to find. If you've been dreaming of a home that combines charm, functionality, and room to breathe, this one is ready to welcome you home!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

9/10
6/10
Seminary Middle SchoolGrades 5-82.5 mi
6/10
Seminary High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Vinyl,Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Walk-In Closet(s)
  • Flooring: Brick,Carpet,Ceramic Tile,Wood
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,496
  • Total interior livable area: 1,496 sqft

Property

Details

  • Parcel number: 071011 00315

Features

  • Levels: One
  • Stories: 1
  • Exterior features: None

Lot

  • Lot size: 2 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side
  • 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

  • Hail
    HailRelatively High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Hurricane
Heat Wave
Lightning
Strong Wind
Tornado
Cold Wave
Drought
Inland Flooding
Winter Weather

FEMA Declared Disasters in Covington 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 $1,365$16,380
Home Insurance *$216$2,592
Property Taxes $92$1,104
Electricity $192$2,304
Total$1,865$22,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,942/yr
40% on housing$55,950/yr
45% on housing$49,733/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -12.1%
-12.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 39479$188
Covington County$168

vs Homes Sold Last Month

Median $/sqft

ZIP 39479
Covington County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$270,000
2026-08-14Contingent$270,000
2026-07-27Price change$270,000
2026-07-03Listed for sale$280,000
2023-10-23Sold--
2023-10-08Pending sale$232,900
2023-09-25Contingent$232,900
2023-09-25Pending sale$232,900
2023-09-21Contingent$232,900
2023-09-21Listed for sale$232,900
2023-08-03Pending sale$232,900
2023-08-03Contingent$232,900
2023-07-27Listed for sale$232,900

For Sale by Agent

AgentChasity Underwood
BrokerageEpique

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