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15 Branch Banks N, Lumberton, MS, 39455

3beds
2baths
1,450sqft
$950,000
$655price/sqft
$5,728/moest. monthly cost
$229,120/yrincome needed

About This Home

Tucked away within the coveted Big Bay Lake community, 15 Branch Banks is proof that luxury doesn't have to sacrifice comfort. Perfectly positioned on an expansive and beautifully manicured 0.60-acre waterfront lot, this stunning 3-bedroom, 2-bath retreat was thoughtfully designed to maximize both relaxation and entertaining while delivering the ultimate lake lifestyle. From the moment you arrive, the home's striking metal roof, welcoming curb appeal, and oversized grounds immediately set the tone for what's inside. Outdoors, the property truly shines -- offering an exceptional setting for gatherings, evenings by the water, and unforgettable weekends at the lake. The spacious screened-in porch creates the perfect place to unwind while overlooking the peaceful surroundings, while the single-slip boat dock keeps you just steps away from your next day on the water. Inside, elegance and functionality blend seamlessly. The main level showcases a beautifully designed kitchen featuring professional-grade appliances, a massive quartz island, and finishes that feel both refined and inviting. The adjoining living space delivers warmth and comfort with a cozy atmosphere that instantly makes you feel at home, while the private main-level primary suite offers convenience and tranquility after a long day on the lake. Upstairs, the home continues to impress with two generously sized guest bedrooms connected by a large double-vanity Jack-and-Jill bathroom designed to comfortably accommodate family and guests alike. One of the bedrooms is spacious enough to easily accommodate additional bunk beds alongside a queen bed, making it ideal for maximizing sleeping arrangements without sacrificing comfort. Hidden within the bunk room, you'll also discover a versatile flex space perfect for a kids' hideaway, private office, gaming nook, or additional storage. Every inch of this property was crafted with intentionality -- creating a lake home that feels equally suited for full-time living, weekend escapes, or investment potential. 15 Branch Banks delivers modern functionality, elegant finishes, exceptional outdoor living, and the kind of atmosphere that makes leaving the lake the hardest part of your day.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

4/10
8/10
Purvis Middle SchoolGrades 6-810.4 mi
7/10
Purvis High SchoolGrades 9-1210.5 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Raised
  • Roof: Metal
  • Construction materials: Masonite

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Central Air

Features

  • Kitchen Island,High Ceilings
  • Door features: French Doors
  • Window features: Wood Frames
  • Flooring: Vinyl,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace: Yes

Interior Area

  • Total structure area: 1,450
  • Total interior livable area: 1,450 sqft

Property

Details

  • Zoning description: RES
  • Other equipment: Irrigation Equipment

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Rear Porch,Side Porch,Covered

Lot

  • Lot size: 0.60 Acres
  • Features: Subdivision
  • Lot size dimensions: .60AC

Parking

  • Parking features: None,Driveway
  • Has uncovered spaces: 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
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
Heat Wave
Strong Wind
Tornado
Wildfire
Winter Weather

FEMA Declared Disasters in Lamar 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 $4,803$57,636
Home Insurance *$235$2,820
Property Taxes $498$5,976
Electricity $192$2,304
Total$5,728$68,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,388/yr
40% on housing$171,840/yr
45% on housing$152,746/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$655This listing

vs Other Active Listings

Avg $/sqft

ZIP 39455$201
Lamar County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 39455
Lamar County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-04Price change$925,000
2026-05-13Listed for sale$950,000

For Sale by Agent

AgentDawson Lowery
BrokerageEpique Realty

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