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5064 Sophia Ln, Hernando, MS, 38632

5beds
3baths
3,162sqft
$579,900
$183price/sqft
$3,813/moest. monthly cost
$152,520/yrincome needed

About This Home

Stunning 5-bedroom new construction offering space, style, and exceptional value. Thoughtfully designed with modern finishes and an open layout perfect for everyday living and entertaining. You don't want miss this incredible opportunity to own a spacious new home with built-in savings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

8/10
9/10
Hernando Middle SchoolGrades 6-83.3 mi
9/10
Hernando High SchoolGrades 9-123.2 mi

Construction

Condition

  • Property condition: Move In Ready
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Conventional
  • Roof: Architectural Shingles
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Stainless Steel Appliance(s)
  • Laundry features: Laundry Room,Main Level

Bathroom

  • Level: Main

Bathroom

  • Level: Upper

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: Upper

Features

  • Ceiling Fan(s),Kitchen Island,Open Floorplan,Primary Downstairs,Walk-In Closet(s),Soaking Tub
  • Flooring: Vinyl
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,162
  • Total interior livable area: 3,162 sqft

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3079320300002500

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch
  • Exterior features: None
  • Fencing: None
  • Waterfront features: None

Lot

  • Lot size: 1.67 Acres
  • Features: Front Yard,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Lightning
Earthquake
Inland Flooding
Strong Wind

FEMA Declared Disasters in DeSoto 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 $2,932$35,184
Home Insurance *$331$3,972
Property Taxes $256$3,072
Electricity $294$3,528
Total$3,813$45,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,731/yr
40% on housing$114,390/yr
45% on housing$101,680/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$183This listing

vs Other Active Listings

Avg $/sqft

ZIP 38632$161
DeSoto County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 38632$163
DeSoto County$163

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
2026-04-10Price change$579,900
2026-01-09Price change$599,900
2026-01-03Listed for sale$615,000
2026-01-03Listing removed$632,000
2025-11-09Price change$632,000
2025-09-11Price change$669,000
2025-08-22Price change$670,000
2025-04-23Price change$674,000
2025-03-04Listed for sale$675,000

New Construction

AgentLauren M Riley
BrokerageKitchens Realty Group

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