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801 Us Highway 84, Monticello, MS, 39654

5beds
4baths
3,196sqft
$389,000
$122price/sqft
$3,055/moest. monthly cost
$122,200/yrincome needed

About This Home

Looking for large home and some acreage? This one has 5 bedrooms and 3.5 baths with large bonus room on 2nd story. We have nearly 10 acres with barn, smokehouse, pond, and wooded on 3 sides for abundant shade and privacy. The large eat-in kitchen has stained cabinets, island cooktop, granite counters, tile floors, stainless appliances, and recessed lighting. The master suite has large tub and separate shower with stained cabinets and tile flooring. The upstairs bonus room could add extra bedroom, playroom, or whatever you can dream. Call your favorite realtor today for your private viewing.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

3/10
6/10
Rod Paige Middle SchoolGrades 6-83.2 mi
6/10

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Slab
  • Roof: Architectural Shingles
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Ceramic Tile,Wood
  • Fireplace features: Den
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,196
  • Total interior livable area: 3,196 sqft

Property

Details

  • Parcel number: 023002200007

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: See Remarks
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 9 Acres

Parking

  • Total spaces: 2
  • Parking features: Paved,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
  • Hail
    HailRelatively High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Lawrence 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 $1,966$23,592
Home Insurance *$595$7,140
Property Taxes $197$2,364
Electricity $297$3,566
Total$3,055$36,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,742/yr
40% on housing$91,650/yr
45% on housing$81,466/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: 2.3%
2.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -10.7%
-10.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 39654$72
Lawrence County$86

vs Homes Sold Last Month

Median $/sqft

ZIP 39654
Lawrence County$103

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
2026-06-01Listed for sale$389,000

For Sale by Agent

AgentCameron Smith
BrokerageBetsy Smith Properties

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