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103 Harper Grove Cir, Ocean Springs, MS, 39564

3beds
3baths
1,521sqft
$239,900
$158price/sqft
$1,855/moest. monthly cost
$74,200/yrincome needed

About This Home

Welcome to 103 Harper Grove Circle in Ocean Springs, Mississippi, one of our new D.R. Horton townhomes in Harper Grove Townhomes. Entering the community from Groveland Road onto Harper Grove Circle, this home is on the left. The Sabal is an interior townhome unit featuring a single car garage. With approximately 1,521 square feet, this thoughtfully designed floorplan includes 3 bedrooms and 2.5 bathrooms, giving you the flexibility and comfort your lifestyle demands. On the main level, you'll find an open-concept layout where the kitchen, dining, and living areas flow together seamlessly. The kitchen is equipped with shaker-style cabinetry, quartz countertops, an undermount sink, and steel appliances, including a smooth-top range, microwave with hood, and a quiet dishwasher. A pantry adds convenience and storage space. Upstairs, all three bedrooms are designed with luxury vinyl plank flooring, no carpet in this home. Each room offers ample closet space and can easily be adapted to serve as a guest room, home office, or hobby space. The secondary bathroom features a tub/shower combo, while the primary suite includes a walk-in closet and an ensuite bathroom with a standing shower, double vanity with quartz countertops, and linen shelving. The Sabal includes D.R. Horton's Home is Connected Smart Home package, giving you control of many home features from your smart device whether you're at home or away. This home is also being built to FORTIFIED Gold HomeTM certification so see your Sales Representative for details. Pictures are of a similar home and not necessarily of the subject property. Pictures are representational only.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

8/10
9/10
10/10
Ocean Springs High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Architectural Shingles,Asphalt
  • Construction materials: Board & Batten Siding,Cement Siding,HardiPlank Type

Other

  • Builder name: D.R. Horton

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Residential,Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,ENERGY STAR Qualified Appliances,Microwave,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Laundry Closet,Upper Level,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s),Double Vanity,Kitchen Island,Pantry,Recessed Lighting,Smart Home,Smart Thermostat,Walk-In Closet(s)
  • Window features: Aluminum Frames,Double Pane Windows
  • Flooring: Vinyl

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,521
  • Total interior livable area: 1,521 sqft

Property

Details

  • Parcel number: Unassigned

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Exterior features: Lighting

Lot

  • Lot size: 2,178 sqft
  • Features: Interior Lot,Landscaped,Rectangular Lot
  • Lot size dimensions: 20 x 75

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage Door Opener,Garage Faces Front,Concrete
  • 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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Heat Wave
Inland Flooding
Tornado
Cold Wave
Strong Wind
Wildfire
Winter Weather
Tsunami

FEMA Declared Disasters in Jackson 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 $1,213$14,556
Home Insurance *$317$3,804
Property Taxes $133$1,596
Electricity $192$2,304
Total$1,855$22,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,600/yr
40% on housing$55,650/yr
45% on housing$49,466/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 39564$166
Jackson County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 39564$152
Jackson County$142

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
2025-12-31Price change$239,900
2025-10-09Price change$244,900
2025-06-18Listed for sale$249,900

New Construction Spec

AgentSusie Siemiontkowski
BrokerageD R Horton

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