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121 Lakes Dr S, Oxford, MS, 38655

4beds
4baths
2,160sqft
$435,000
$201price/sqft
$2,781/moest. monthly cost
$111,240/yrincome needed

About This Home

Welcome home to 121 Lakes Dr S, a peaceful retreat that blends open, airy living with the beauty of nature just outside your door. Inside, soaring ceilings and an open layout create a bright, welcoming atmosphere that feels spacious yet comfortable. The kitchen and living area overlook a tranquil wooded backdrop—so captivating that even the view from the kitchen sink has been known to win people over. Step out back and unwind on the porch, where mornings and evenings are filled with the soothing sounds of nature and frequent glimpses of local wildlife. The primary suite offers a true escape, complete with a generously sized bathroom and an oversized soaking tub perfect for relaxing at the end of the day. The neighborhood is known for its scenic lakes, ideal for fishing or simply enjoying the calm of the water and all that "Lake Life" offers. Recent updates include gutter guards for low-maintenance living and a new upstairs A/C unit for added comfort and peace of mind.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

9/10
8/10
Lafayette Middle SchoolGrades 7-85.1 mi
7/10
Lafayette High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Slab
  • Roof: Architectural
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Dryer,Gas Range,Refrigerator,Washer

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Electric

Features

  • Walk-In Closet(s),Granite Counters,Ceiling Fan(s)
  • Window features: Double Pane Windows,Vinyl
  • Fireplace features: Gas
  • Fireplace: Yes

Interior Area

  • Total structure area: 2,160
  • Total interior livable area: 2,160 sqft

Property

Details

  • Parcel number: 193Z0802200
  • Zoning: RE
  • Zoning description: LAFAYETTE

Features

  • Pool features: None
  • Patio & porch: Patio

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage,Attached,Garage Door Opener,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Lightning
Strong Wind
Earthquake
Hail
Inland Flooding
Ice Storm
Landslide

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 $2,199$26,388
Home Insurance *$194$2,328
Property Taxes $188$2,256
Electricity $200$2,410
Total$2,781$33,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,348/yr
40% on housing$83,430/yr
45% on housing$74,160/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

$201This 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
2026-03-02Listed for sale$440,000
2022-04-06Sold--
2022-03-05Pending sale$329,000
2022-03-03Listed for sale$329,000

For Sale by Agent

AgentJohn Rucker
BrokerageCrye-Leike Oxford Real Estate

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