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103 Lake Shore Cove, Madison, MS, 39110

3beds
2baths
1,726sqft
$750,000
$435price/sqft
$4,838/moest. monthly cost
$193,520/yrincome needed

About This Home

A truly one of a kind waterfront opportunity! Situated on 6.73± private acres with shoreline on a beautiful 130+ acre fishing lake, this architect designed property offers the perfect blend of tranquility, recreation, and endless possibilities. The existing home features 3 bedrooms, 2 bathrooms, a spacious kitchen and living area, and a large screened porch where you can relax and enjoy peaceful lake views. Whether you are looking for a weekend retreat, vacation home, or a peaceful place to escape, this property is ready to enjoy today. Included with the sale are thoughtfully designed architectural plans for a stunning addition featuring a spacious keeping room and kitchen, a luxurious primary suite with a spa inspired bath, a formal dining room, and additional upstairs bedrooms, allowing you to expand the current home into an incredible full time residence. If you prefer, you can build your forever home on this beautiful 6.73± acre waterfront property while enjoying the existing home as a guest house, weekend retreat, or temporary residence during construction. With so much space and flexibility, the possibilities are endless. Properties offering this much acreage, privacy, and waterfront frontage are rarely available. Architectural plans are available for review. Contact your agent today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

2/10
Nichols Middle SchoolGrades 6-88.0 mi
4/10
Canton Public High SchoolGrades 9-1211.5 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Slab
  • Roof: Architectural Shingles,Copper,Other
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Dishwasher,Washer/Dryer Stacked
  • Laundry features: Laundry Room,Main Level

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Crown Molding,Eat-in Kitchen,Granite Counters,High Ceilings,High Speed Internet,His and Hers Closets,Kitchen Island,Pantry,Primary Downstairs,Recessed Lighting,Sound System,Storage,Wired for Data,Wired for Sound,Double Vanity
  • Window features: Insulated Windows,Vinyl Clad,Window Coverings
  • Flooring: Carpet,Ceramic Tile,Concrete,Wood
  • Fireplace features: Living Room,Outside
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,726
  • Total interior livable area: 1,726 sqft

Property

Details

  • Parcel number: 091h34002/05.00

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Fencing: None
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: Lake

Lot

  • Lot size: 6.73 Acres
  • Features: Cul-De-Sac,Landscaped,Level,Many Trees,Sprinklers In Front,Sprinklers In Rear,Views,Wooded

Parking

  • Parking features: No Garage
  • Has garage: 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

  • Drought
    DroughtRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Madison 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 $3,792$45,504
Home Insurance *$467$5,604
Property Taxes $387$4,644
Electricity $192$2,304
Total$4,838$58,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,874/yr
40% on housing$145,140/yr
45% on housing$129,013/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$435This listing

vs Other Active Listings

Avg $/sqft

ZIP 39110$209
Madison County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 39110$179
Madison County$172

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
2026-08-17Price change$725,000
2026-07-17Listed for sale$750,000
2023-11-21Sold--
2023-10-22Pending sale$695,000
2023-07-07Price change$695,000
2023-06-10Price change$725,000
2022-10-14Price change$750,000
2022-06-09Listed for sale$795,000
2022-05-26Pending sale$795,000
2022-05-24Listed for sale$795,000

For Sale by Agent

AgentJohn Polles
BrokeragePolles Properties, LLC

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