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602 County Road 130, Houlka, MS, 38850

3beds
2baths
1,655sqft
$260,000
$157price/sqft
$1,828/moest. monthly cost
$73,120/yrincome needed

About This Home

Imagine starting your mornings with coffee on the front porch as the sun rises over nearly an acre of peaceful countryside. Built in 2024, this custom 3-bedroom, 2-bath home offers the perfect blend of quiet country living and modern luxury. Step inside to an open, split-floor plan featuring custom cabinetry, quartz countertops, luxury vinyl flooring, and a stunning Carrara marble shower that creates a true spa-like retreat. Thoughtfully designed with spray foam insulation, bronze Low-E windows, and LED lighting throughout, this home is as energy-efficient as it is beautiful. Enjoy the serenity of country life without sacrificing convenience, just minutes from Banner and Bruce, and an easy drive to Pontotoc and Oxford. If you've been dreaming of wide-open spaces, peaceful evenings, and a home that's truly move-in ready, this is where your next chapter begins.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

5/10
Bruce High SchoolGrades 5-127.0 mi
9/10
Bruce Elementary SchoolGrades PK-47.4 mi

Construction

Condition

  • Year built: 2024

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: W/D Hook Up

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Electric

Features

  • Pantry,Walk-In Closet(s),Granite Counters,Ceiling Fan(s)
  • Window features: Aluminum Frames,Double Pane Windows

Interior Area

  • Total structure area: 1,655
  • Total interior livable area: 1,655 sqft

Property

Details

  • Parcel number: 1308000050428
  • Zoning description: NO ZONING

Features

  • Pool features: None
  • Patio & porch: Patio,Porch
  • Fencing: Fenced

Lot

  • Lot size: 0.80 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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 WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Strong Wind
Tornado
Drought
Earthquake
Hail
Inland Flooding

FEMA Declared Disasters in Calhoun County and Mississippi

Flood
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 $1,314$15,768
Home Insurance *$203$2,436
Property Taxes $119$1,428
Electricity $192$2,304
Total$1,828$21,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,674/yr
40% on housing$54,840/yr
45% on housing$48,746/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 38850$258
Calhoun County$84

vs Homes Sold Last Month

Median $/sqft

ZIP 38850
Calhoun County$125

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
2026-08-04Price change$250,000
2026-07-24Listed for sale$260,000
2024-07-31Sold--
2024-06-27Pending sale$250,000
2024-06-04Price change$250,000
2024-05-17Price change$259,900
2024-03-18Listed for sale$264,900

For Sale by Agent

AgentBecki Ferguson
BrokerageKeller Williams Realty - MS

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