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413 Franklin St, Natchez, MS, 39120

2beds
3baths
3,520sqft
$680,000
$193price/sqft
$4,869/moest. monthly cost
$194,760/yrincome needed

About This Home

This beautifully completely remodeled condo blends modern elegance with everyday comfort, featuring brand new stainless-steel appliances, gleaming hardwood floors, and a thoughtfully updated interior from top to bottom. The open concept layout creates a bright, inviting atmosphere perfect for relaxing or entertaining. Every detail has been elevated to offer a refined urban lifestyle just steps away from the best dining, shopping, and culture the city has to offer. Amenities include new TPO roof, completely rewired, new plumbing, new interior including kitchen, bathrooms, elevator, deck. and completely furnished.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

3/10
--
5/10
Natchez High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1870

Materials

  • Foundation: See Remarks
  • Roof: Other
  • Construction materials: Brick,Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Gas Cooktop,Gas Water Heater,Microwave,Range Hood,Refrigerator,Tankless Water Heater,Washer/Dryer Stacked
  • Laundry features: Inside,Laundry Closet,Upper Level

Bedrooms & Bathrooms

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

Features

  • Bar,Beamed Ceilings,Built-in Features,Ceiling Fan(s),Crown Molding,Double Vanity,Elevator,Granite Counters,High Ceilings,Kitchen Island,Soaking Tub,Storage,Walk-In Closet(s),Wet Bar
  • Window features: Metal
  • Flooring: Concrete,Wood

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,520
  • Total interior livable area: 3,520 sqft

Property

Details

  • Parcel number: 000500010009

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Rear Porch
  • Exterior features: Other

Lot

  • Lot size: 3,484 sqft
  • Features: City Lot

Parking

  • Total spaces: 2
  • Parking features: On Street
  • 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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Adams 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 $3,438$41,256
Home Insurance *$815$9,780
Property Taxes $289$3,468
Electricity $327$3,927
Total$4,869$58,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,937/yr
40% on housing$146,070/yr
45% on housing$129,840/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 39120$113
Adams County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 39120$120
Adams County$115

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
2026-05-01Listed for sale$680,000
2021-09-15Listing removed--
2021-08-16Listed for sale$265,000

For Sale by Agent

AgentSandra Ellard
BrokerageBluff City Real Estate

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