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665 Luther Craft Rd, De Kalb, MS, 39328

4beds
3baths
3,815sqft
$749,900
$197price/sqft
$6,460/moest. monthly cost
$258,400/yrincome needed

About This Home

Welcome to your brand-new private oasis that features a brand-new beautiful home situated on 62 +/- acres of peaceful land. The home was finished in the fall of 2025 and offers 4 bedrooms, 2.5 bathrooms, and office/bonus room that could be a 5th bedroom. The home is situated just a few miles into Kemper County off Hwy 16 east. You can experience country living while only being a few miles from Philadelphia. The 62 acres consist of mature pines that can be harvested in the future for a return on investment, and approximately 3 acres of mature hardwoods. If you're looking for a private country home with acreage that is still convenient to town, then you need to check this one out.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Kemper County Upper ElementaryGrades PK,4-814.6 mi
5/10
Kemper County High SchoolGrades 9-1213.6 mi
2/10

Construction

Condition

  • Year built: 2025

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace: Yes

Interior Area

  • Total structure area: 3,815
  • Total interior livable area: 3,815 sqft

Property

Details

  • Parcel number: 1000513.000, 1000512.006
  • Zoning: NA

Parking

  • Parking features: Garage
  • Has garage: Yes

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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Kemper 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 $3,791$45,492
Home Insurance *$2,009$24,108
Property Taxes $306$3,672
Electricity $354$4,256
Total$6,460$77,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$221,485/yr
40% on housing$193,800/yr
45% on housing$172,266/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 39328$100
Kemper County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 39328$52
Kemper County$52

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
2026-01-21Listed for sale$749,900

For Sale by Agent

AgentTrent Myers
BrokerageStinson Realty

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