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8822 Mary McCoy Dr, Olive Branch, MS, 38654

4beds
3baths
2,300sqft
$395,450
$172price/sqft
$2,644/moest. monthly cost
$105,760/yrincome needed

About This Home

The 2300 floorplan design by Adams Homes is a spacious single-story home featuring four bedrooms, three full bathrooms, and an oversized two-car garage with lots of extra storage/work space. With 2,300 square feet of living space, this home offers plenty of room for families or individuals looking for a comfortable and practical home. The main living area is an open-concept design, with the kitchen, dining, and living areas all flowing seamlessly together. The kitchen features plenty of countertop prep area, lots of cabinet and pantry space, and modern stainless appliances and a cozy breakfast nook open to the living/family room. The formal dining area is near the kitchen which makes meal times convenient and easy. The living room is spacious and offers plenty of natural light, creating an ideal space for relaxation and entertainment. The primary bedroom suite is located at the back of the home and features two large walk in closets and an ensuite bathroom with separate vanities, a garden tub, and separate shower. The three additional bedrooms are located on the opposite side of the home, and have access to two full bathrooms. This layout ensures that every member of the family or guest has their own space and privacy. This floorplan also includes a laundry room conveniently located near the garage entrance, making it easy to keep the home clean and organized. The covered porch at the back of the home is a perfect outdoor living space, offering a peaceful retreat. The photo is a similar home but this home will have a carriage load garage, not a front load.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
5/10
9/10
Olive Branch High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Cement Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Free-Standing Range,Microwave
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • High Ceilings,Open Floorplan,Pantry,Soaking Tub,Breakfast Bar
  • Flooring: Vinyl,Carpet
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,300
  • Total interior livable area: 2,300 sqft

Property

Details

  • Parcel number: Unassigned

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Rear Porch
  • Exterior features: See Remarks

Lot

  • Lot size: 0.25 Acres
  • Features: City Lot

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Earthquake
Heat Wave
Lightning
Inland Flooding
Ice Storm
Strong Wind

FEMA Declared Disasters in DeSoto 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 $1,999$23,988
Home Insurance *$258$3,096
Property Taxes $174$2,088
Electricity $213$2,566
Total$2,644$31,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,651/yr
40% on housing$79,320/yr
45% on housing$70,506/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 38654$156
DeSoto County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 38654$163
DeSoto County$163

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
2026-05-11Price change$395,450
2026-05-04Listed for sale$392,450

New Construction

AgentCindy A Smith
BrokerageAdams Homes, LLC

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