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118 Hot Spur Ln, Oxford, MS, 38655

4beds
5baths
2,900sqft
$669,000
$231price/sqft
$4,238/moest. monthly cost
$169,520/yrincome needed

About This Home

Turn key property in The Hamlet subdivision. This four bedroom unit is being sold fully furnished. Built on 2017, this beautiful 2 story home boasts 4 large bedrooms (one on the main floor) each with their individual en suite bathrooms and an additional half bath down stairs for guests. Approximately 2900 square feet of Southern Comfort! Just a short 1.3 mile distance to the famous "Vaught -Hemingway Stadium" and 1.1 miles to "The Square". The owner has not missed a thing in the Southern/Contemporary Home. Open concept living and kitchen with a wine cooler. Enjoy the 50" TVs in every room. A large island, Great kitchen with gas range, outdoor dining and gas grill for entertaining. Do not miss this turn key unit close to all Oxford has to offer!

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
57
BikeBikeable

Schools

7/10
9/10
Oxford High SchoolGrades 9-122.8 mi
8/10
Oxford Elementary SchoolGrades 4-51.5 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Slab
  • Roof: Wood
  • Construction materials: Brick,Masonry,Wood Siding

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse/Condo

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Gas Range,Refrigerator,Washer,Vented Exhaust Fan,Wine Rack/Cooler,Tankless Water Heater

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Electric

Features

  • Pantry,Walk-In Closet(s),Granite Counters,Ceiling Fan(s)
  • Window features: Double Pane Windows,Blinds
  • Flooring: Carpet,Hardwood
  • Fireplace features: Gas
  • Fireplace: Yes

Interior Area

  • Total structure area: 2,900
  • Total interior livable area: 2,900 sqft

Property

Details

  • Parcel number: 138M3306915
  • Zoning description: SUBDIVISION COVENANT

Features

  • Pool features: None
  • Patio & porch: Patio

Parking

  • Parking features: None

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 WaveVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Earthquake
Heat Wave
Inland Flooding
Strong Wind

FEMA Declared Disasters in Lafayette 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 $3,382$40,584
Home Insurance *$298$3,576
Property Taxes $289$3,468
Electricity $269$3,235
Total$4,238$50,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,302/yr
40% on housing$127,140/yr
45% on housing$113,013/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 38655$255
Lafayette County$252

vs Homes Sold Last Month

Median $/sqft

ZIP 38655$246
Lafayette County$224

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
2026-07-27Listed for sale$669,000
2020-07-16Listing removed$500,000
2020-06-28Pending sale$500,000
2020-06-15Listed for sale$500,000

For Sale by Agent

AgentLiza Fruge
BrokerageOxford Real Estate Collective

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