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109 Saratoga Springs Ave, Clinton, MS, 39056

4beds
3baths
2,304sqft
$397,900
$173price/sqft
$2,842/moest. monthly cost
$113,680/yrincome needed

About This Home

Warm greetings from Horseshoe Bend one of the newest communities in Clinton, Mississippi. Discover the Destin, a captivating floorplan at Horseshoe Bend, our serene new community nestled in the charming city of Clinton, MS. This thoughtfully designed home offers 4 bedrooms, 3 bathrooms, and a spacious 3-car garage, providing 2,304 square feet of elegance and functionality. Step inside from the covered entry and into the welcoming foyer, where a thoughtfully placed hallway leads to a full bathroom situated between bedrooms 2 and 3—perfect for family or guests. As you journey further, you'll find a seamless blend of style and comfort. The open-concept design integrates a formal dining room, a gourmet kitchen, a cozy breakfast nook, and a bright living space. The kitchen, a chef's delight, boasts granite countertops, stainless steel appliances, shaker-style cabinetry, a walk-in pantry, and a center island with bar seating. Expansive windows fill the living area with natural light while soaring trey ceilings add an air of sophistication. Step out onto the covered back patio to enjoy a peaceful morning or unwind in the evening. The laundry room, conveniently located off the kitchen, offers easy access to the garage. Nearby, bedroom 4, with its own full bath, provides additional privacy and versatility. Retreat to the primary suite, a true oasis featuring large windows, trey ceilings, and a luxurious ensuite bath with a garden tub, separate shower, dual granite vanities, a linen closet, and an oversized walk-in closet. With Smart Home technology throughout, the Destin is the perfect blend of modern convenience and timeless charm.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
5/10
8/10
Clinton High SchoolGrades 10-121.2 mi

Construction

Condition

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

Materials

  • Foundation: Post-Tension,Slab
  • Roof: Architectural Shingles
  • Construction materials: Board & Batten Siding,Brick

Other

  • Builder name: D.R. Horton

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Gas Range,Microwave,Plumbed For Ice Maker,Stainless Steel Appliance(s),Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Bar,Ceiling Fan(s),Crown Molding,Double Vanity,Eat-in Kitchen,Entrance Foyer,Granite Counters,Kitchen Island,Open Floorplan,Pantry,Smart Home,Smart Thermostat,Soaking Tub,Tray Ceiling(s),Walk-In Closet(s),Breakfast Bar
  • Door features: Dead Bolt Lock(s),Insulated
  • Window features: Insulated Windows,Screens
  • Flooring: Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 2,304
  • Total interior livable area: 2,304 sqft

Property

Details

  • Parcel number: Unassigned
  • Zoning description: Single Family Residence

Features

  • Levels: One
  • Stories: 1
  • Exterior features: None
  • Fencing: None

Lot

  • Lot size: 0.25 Acres
  • Features: Landscaped,Subdivided

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Hinds 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 $2,011$24,132
Home Insurance *$379$4,548
Property Taxes $238$2,856
Electricity $214$2,570
Total$2,842$34,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,440/yr
40% on housing$85,260/yr
45% on housing$75,786/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 39056$128
Hinds County$92

vs Homes Sold Last Month

Median $/sqft

ZIP 39056$126
Hinds County$86

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
2026-05-11Price change$399,900
2026-04-06Price change$403,796
2026-02-05Price change$398,796
2025-11-10Price change$397,900
2025-10-08Price change$399,900
2025-09-30Price change$402,900
2025-09-17Price change$406,900
2025-07-14Listed for sale$402,900

New Construction Spec

AgentSteve Slay
BrokerageD R Horton

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