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108 Bluff St, Mount Olive, MS, 39119

2beds
1baths
924sqft
$65,000
$70price/sqft
$769/moest. monthly cost
$30,760/yrincome needed

About This Home

Charming investment opportunity located in a quiet neighborhood near Main Street in Mt. Olive. This 2-bedroom, 1-bath home offers great potential for investors or buyers looking to customize a property to their liking. Features include a one-car carport, wood siding, and access to public water and sewer provided by the town of Mt. Olive. The property is uniquely situated, bordered by Okatoma Creek to the north and east and Highway 49 to the south and west, offering both convenience and natural surroundings. Property is being sold 'as is, where is.' Priced at $65,000--don't miss this affordable opportunity!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Window Unit(s)

Features

  • Ceiling Fan(s),8' +
  • Flooring: Wood,Vinyl,Laminate

Interior Area

  • Total structure area: 924
  • Total interior livable area: 924 sqft

Property

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Covered
  • Exterior features: Storage
  • Fencing: None

Lot

  • Features: Level,Subdivision
  • Lot size dimensions: To be determined

Parking

  • Parking features: None,Driveway
  • Has uncovered spaces: Yes
  • Carport: 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

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Covington County and Mississippi

Flood
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 $328$3,936
Home Insurance *$227$2,724
Property Taxes $22$264
Electricity $192$2,304
Total$769$9,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,365/yr
40% on housing$23,070/yr
45% on housing$20,506/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -12.1%
-12.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$70This listing

vs Other Active Listings

Avg $/sqft

ZIP 39119$92
Covington County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 39119
Covington County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-18Listed for sale$65,000

For Sale by Agent

AgentDianne Speed
BrokerageLisa Tingle Realty LLC

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