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1109 N Yale St, Cleveland, MS, 38732

3beds
2baths
1,368sqft
$96,000
$70price/sqft
$846/moest. monthly cost
$33,840/yrincome needed

About This Home

Great investment opportunity near Delta State University in Cleveland, MS! This property includes a 2 bed, 1 bath home that's currently leased, plus an attached 1 bed, 1 bath apartment that's vacant and ready to rent. The apartment features a private entrance, living area, kitchenette, washer/dryer, and access to a storage shed and gas grill. The property has frontage on two streets and is located in a quiet neighborhood near a small park. It offers flexible options—live in one unit and rent the other, or lease both for solid rental income. The current tenant can stay or move depending on the buyer's needs.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
Parks Elementary SchoolGrades PK-60.3 mi
--
Cleveland High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Conventional
  • Roof: Shingle
  • Construction materials: Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Residential,Duplex,Single Family Residence

Interior

Appliances

  • Appliances included: Oven

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,368
  • Total interior livable area: 1,368 sqft

Property

Details

  • Parcel number: 33204750002200
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Private Entrance

Lot

  • Lot size: 9,147 sqft

Parking

  • Total spaces: 1
  • Parking features: Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Bolivar 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 $485$5,820
Home Insurance *$125$1,500
Property Taxes $44$528
Electricity $192$2,304
Total$846$10,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,005/yr
40% on housing$25,380/yr
45% on housing$22,560/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: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -4.1%
-4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$70This listing

vs Other Active Listings

Avg $/sqft

ZIP 38732$102
Bolivar County$93

vs Homes Sold Last Month

Median $/sqft

ZIP 38732$84
Bolivar County$86

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)

No zestimate history available

Price History

DateEventPrice
2026-06-13Price change$96,000
2025-10-14Price change$99,500
2025-09-17Listed for sale$104,000
2025-09-04Listing removed$108,000
2025-05-20Price change$108,000
2024-12-31Price change$116,000
2024-10-07Listed for sale$120,000
2024-07-30Listing removed$124,000
2024-05-22Listed for sale$124,000

For Sale by Agent

AgentNathaniel D Wilds
BrokerageTom Smith Land & Homes

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