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5497 State Highway 12 W, Sturgis, MS, 39769

5beds
3baths
2,464sqft
$1,695,000
$688price/sqft
$13,862/moest. monthly cost
$554,480/yrincome needed

About This Home

This extraordinary 176-acre turnkey recreational estate is the complete package—a rare opportunity combining luxurious country living, world-class outdoor recreation, and passive income potential. Whether you're an avid sportsman, investor, or looking for a secluded family getaway, this property is fully developed, professionally maintained, and ready to enjoy from day one. At the heart of the property is a beautifully finished, fully furnished 5-bedroom, 3-bath main home, offering comfort, style, and functionality. Designed with both family living and guest hosting in mind, this spacious residence features a 4-car garage and an additional 2-car storage area, ideal for housing all your hunting gear, tools, and recreational equipment. The home also produces approximately $25,000/year in VRBO rental income, making it not only a luxurious retreat but also a smart investment. This is truly a home where you can live, play, and earn all in one place. Just steps from the lake, a fully finished 12' x 24' lake cottage offers additional space for guests, a quiet office, or a clubhouse for kids. Outdoor entertainment is effortless with a saltwater pool (16' x 32'), complete with a fenced concrete patio perfect for relaxing after a day on the water or in the woods. The property's 10-acre private lake was custom-built with a 5:1 slope levee, concrete boat ramp, and concrete emergency spillway. It's stocked with F1 Tiger Bass, and trophy bass over 10 pounds have been caught and released. With over $15,000 in artificial fish habitat, live cypress trees, custom pond design, and automatic feeders, this lake is a serious angler's paradise. For hunters, the land offers proven success with trophy whitetails and abundant wild turkey. There are 3 large food plots already planted, and several deer stands throughout the property that will convey with the sale. Access to all hunting and fishing areas is made easy by 5+ miles of professionally maintained trails, ideal for ATVs, UTVs, or horseback riding. Additional improvements include a 36' x 12' barn with two stalls and a tack room, plenty of fenced in areas for the horse lovers, a 20' x 30' equipment shed, automatic iron gates, and a 12" soil cement road system topped with DBST (an $85,000 investment). The estate is secured by a full Alarm.com smart home automation and alarm system, and two high-end Liberty safes that will stay with the property. Future income opportunities are also present with planted pines throughout the property, offering long-term timber value. Key Features at a Glance: " 176 acres of pristine recreational and timber land " Stunning, fully furnished 5-bedroom, 3-bath home with 4-car garage + 2-car storage " Home generates approx. $25,000/year in VRBO rental income " Fully finished 12' x 24' lake cottage near the water's edge " Custom-built 10-acre private lake stocked with F1 Tiger Bass " $15,000+ in artificial fish habitat & automatic feeders " Saltwater pool (16' x 32') with fenced patio " 36' x 12' barn with 2 stalls and tack room " 20' x 30' equipment shed " 5+ miles of professionally maintained trails " 3 large food plots already planted for this season " Several deer stands included with the property " Proven trophy deer and turkey hunting " Planted pines for long-term timber income " $85,000+ soil cement road system topped with DBST " Automatic iron entry gates and Alarm.com security system " Liberty Lincoln & Liberty Fat Boy safes included " Fully furnished, minus select family heirlooms " Possible Owner Financing This is not just a property it's a fully realized lifestyle and legacy estate, offering privacy, performance, and profitability.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

6/10
7/10
Starkville High SchoolGrades 10-120.2 mi

Construction

Condition

  • Year built: 2014

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Disposal,Dishwasher,Cooking Unit

Bedrooms & Bathrooms

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

Features

  • Flooring: Concrete,Carpet

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,464
  • Total interior livable area: 2,464 sqft

Property

Details

  • Parcel number: 01102005.00,01102006.00,01102007.00

Features

  • Pool features: In Ground
  • Patio & porch: Awning(s),Covered,Deck,Front Porch,Patio,Rear Porch,Screened
  • Fencing: Fenced
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 176.10 Acres
  • Lot size dimensions: 2700ft x 2700ft

Parking

  • Total spaces: 5
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Earthquake
Hail
Heat Wave
Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters in Oktibbeha 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 $8,570$102,840
Home Insurance *$4,089$49,068
Property Taxes $974$11,688
Electricity $229$2,749
Total$13,862$166,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$475,268/yr
40% on housing$415,860/yr
45% on housing$369,653/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$688This listing

vs Other Active Listings

Avg $/sqft

ZIP 39769$184
Oktibbeha County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 39769$63
Oktibbeha County$217

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
2025-10-27Listed for sale$1,995,000

For Sale by Agent

AgentRUSSELL M WINSTON
BrokerageBURKES LAND BROKERS

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