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1012 County Road 127, New Albany, MS, 38652

4beds
3baths
3,099sqft
$429,000
$138price/sqft
$2,925/moest. monthly cost
$117,000/yrincome needed

About This Home

Stunning home on 4.26 wooded acres! Experience the charm and privacy of this beautiful 4-bedroom, 3 bath home located within the city limits of New Albany. Step inside to a warm and inviting family room featuring a cozy wood burning fireplace, a spacious kitchen w/ granite countertop, tile flooring, and all appliances. The home offers a formal living room, a dedicated dining room and a grand foyer entrance. The primary suite includes an office nook, 2 closets, and a large private bath w/ a titled walk-in shower. Additional highlights include luxury vinyl plank flooring, updated bathrooms, an expandable 363 Sq.ft space- perfect for a game room, media room, or home office. Relax outdoors under the 35X16 foot covered patio with its serene, wooded views. This excetional property offers space, comfort and the perfect setting to call it your forever home. All Agents see private remarks. All information subject to verification.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

7/10
5/10
New Albany Middle SchoolGrades 6-81.6 mi
6/10
New Albany High SchoolGrades 9-121.4 mi

Construction

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Brick,Insulation

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Granite Counters
  • Window features: Storm Window(s)
  • Flooring: Tile / Vinyl
  • Fireplace features: Wood
  • Finished area below ground: 0
  • Finished area above ground: 3,099

Heating & Cooling

  • Heating features: Cntrl Elec
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,099
  • Total interior livable area: 3,099 sqft

Property

Details

  • Parcel number: 065N1003900
  • Exclusions: Metal Lean-to

Features

  • Stories: 1
  • Patio & porch: Covered

Lot

  • Lot size: 4.26 Acres
  • Lot size dimensions: 4.26

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Strong Wind
Earthquake
Inland Flooding
Tornado

FEMA Declared Disasters in Union 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 $2,169$26,028
Home Insurance *$318$3,816
Property Taxes $150$1,800
Electricity $288$3,457
Total$2,925$35,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,285/yr
40% on housing$87,750/yr
45% on housing$78,000/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 38652$173
Union County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 38652
Union County$149

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
2025-12-03Listed for sale$435,000

For Sale by Agent

AgentKIM WOOD
BrokerageRachel Ray Real Estate LLC

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