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13 Azalea Ln, Amory, MS, 38821

4beds
4baths
4,500sqft
$635,000
$141price/sqft
$4,663/moest. monthly cost
$186,520/yrincome needed

About This Home

Welcome to your own waterfront retreat on the beautiful Tenn-Tom Waterway! This spacious 4-bedroom, 3.5-bath home offers the perfect blend of comfortable everyday living and exceptional entertaining, all surrounded by peaceful water views. The thoughtfully designed main level features 2 bedrooms and 2.5 bath, along with a formal living room, elegant dining room, inviting den, and a bright sunroom filled with natural light! The fully finished walkout basement expands the living space with a large family room, a convenient kitchenette, and two additional bedrooms that can easily serve as guest rooms, home offices, hobby spaces, or a fitness room, providing flexibility for a variety of lifestyles. Step outside to enjoy the best of waterfront living on the screened porch. A covered back por overlooks the scenic property and leads the scenic property and leads to a lower patio, offering multiple outdoor spaces for entertaining or simply taking in the tranquil surroundings. For boating and fishing enthusiasts, the property is complete with a private boathouse and pier, providing direct access to the Tenn-Tom Waterway for days spent cruising, fishing, or enjoying life on the water. All info subject to verification.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
Amory Elementary SchoolGrades 3-51.5 mi
6/10
Amory Middle SchoolGrades 6-82.1 mi
8/10
Amory High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1985

Type & Style

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

Interior

Basement

  • Basement: Finished

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 4,500
  • Total interior livable area: 4,500 sqft

Property

Details

  • Parcel number: 14502100104400

Features

  • Levels: One
  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 0.63 Acres
  • Lot size dimensions: 115 x 239 irr

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Heat Wave
Tornado
Drought
Earthquake
Strong Wind

FEMA Declared Disasters in Monroe 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 $3,210$38,520
Home Insurance *$782$9,384
Property Taxes $253$3,036
Electricity $418$5,021
Total$4,663$55,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,874/yr
40% on housing$139,890/yr
45% on housing$124,346/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: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -4.8%
-4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 38821$107
Monroe County$99

vs Homes Sold Last Month

Median $/sqft

ZIP 38821
Monroe County$109

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
2026-08-03Listed for sale$635,000
2020-02-27Listing removed$245,000
2019-08-16Price change$245,000
2019-05-30Price change$254,000
2018-11-29Price change$259,000
2018-10-25Price change$264,000
2018-07-21Price change$269,000
2018-07-12Listed for sale$289,000
2016-03-11Listing removed$324,900
2015-09-01Listing removed$369,000
2015-03-27Price change$369,000
2015-02-12Price change$379,000
2014-09-03Price change$369,000
2014-08-05Listed for sale$379,000

For Sale by Agent

AgentKevin Knight
BrokerageTM REALTORS

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