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2494 Saint Charles Cv, Southaven, MS, 38672

3beds
2baths
2,079sqft
$402,900
$194price/sqft
$2,651/moest. monthly cost
$106,040/yrincome needed

About This Home

This beautiful ''Bailey I'' plan is under construction in DeSoto County's award winning community, Silo Square, and YOU can still make the final selections! You'll enjoy 3 BRs, 2 BAs, upstairs bonus room, covered back patio, & more such as granite or quartz countertops, soaking tub in master bathroom, stainless steel appliances, and a decorative vent-a-hood. PLUS, you're just a walk, bike ride, or golf cart ride away from ample dining options; coffee & dessert shops; gated dog park; boutiques; dental offices; Silo Academy; neighborhood grocery; and more! Life is truly simpler in this ''Live, Work, Play'' community. Estimated completion last week of June.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

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

Materials

  • Foundation: Slab
  • Roof: Architectural Shingles
  • Construction materials: Brick,HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Free-Standing Electric Range,Microwave,Water Heater

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Ceiling Fan(s),Crown Molding,Double Vanity,Granite Counters,Kitchen Island,Open Floorplan,Primary Downstairs,Soaking Tub,Walk-In Closet(s)
  • Flooring: Carpet,Combination,Hardwood,Tile
  • Fireplace features: Dining Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s),Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Gas

Interior Area

  • Total structure area: 2,079
  • Total interior livable area: 2,079 sqft

Property

Details

  • Parcel number: Unassigned

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Rain Gutters

Lot

  • Lot size: 8,712 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage,Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport 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
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Earthquake
Heat Wave
Lightning
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 $2,037$24,444
Home Insurance *$244$2,928
Property Taxes $177$2,124
Electricity $193$2,319
Total$2,651$31,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,891/yr
40% on housing$79,530/yr
45% on housing$70,693/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

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 38672$150
DeSoto County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 38672$162
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
2026-05-22Listed for sale$402,900

New Construction

AgentLexie A Hill
BrokerageAustin Realty Group, Inc-Her

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