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908 Cumberland Rdg, Oxford, MS, 38655

3beds
4baths
3,941sqft
$850,000
$216price/sqft
$5,411/moest. monthly cost
$216,440/yrincome needed

About This Home

Experience the perfect blend of modern design and lodge-inspired living in this architect-owned, one-of-a-kind home. This thoughtfully designed residence offers a unique multi-level layout that combines warmth, functionality, and striking architectural detail. Upon entering, you'll notice the open-concept living spaces, and natural materials that create an inviting yet contemporary atmosphere. The heart of the home features a stunning kitchen with a lofted space above, adding both character and versatility. Expansive covered porches extend the living space outdoors, perfect for entertaining while enjoying the surrounding views. The walk-out basement provides additional flexibility with a full secondary kitchen, making it ideal for guests, or potential income opportunities. With its distinctive design, multiple levels of living, and seamless connection between indoor and outdoor spaces, this home offers a rare opportunity to own a truly custom modern lodge retreat

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

8/10
Oxford Elementary SchoolGrades 4-54.8 mi
7/10
9/10
Oxford High SchoolGrades 9-127.0 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Basement,Slab
  • Roof: Composition
  • Construction materials: Masonry,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Electric Range,Refrigerator,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Electric

Features

  • Walk-In Closet(s)
  • Window features: Casement,Double Pane Windows,Screens
  • Flooring: Carpet,Ceramic Tile

Interior Area

  • Total structure area: 3,941
  • Total interior livable area: 3,941 sqft

Property

Details

  • Parcel number: 1482707006
  • Zoning description: SUBDIVISION COVENANT

Features

  • Pool features: None
  • Patio & porch: Porch

Lot

  • Lot size: 1.52 Acres

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Heat Wave
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 $4,298$51,576
Home Insurance *$379$4,548
Property Taxes $368$4,416
Electricity $366$4,397
Total$5,411$64,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,520/yr
40% on housing$162,330/yr
45% on housing$144,293/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

$216This 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
2026-04-30Listed for sale$850,000

For Sale by Agent

AgentClay Deweese
BrokerageOxford Real Estate Collective

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