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511 N Main St, Ripley, MS, 38663

3beds
3baths
2,825sqft
$319,000
$113price/sqft
$2,364/moest. monthly cost
$94,560/yrincome needed

About This Home

Ripley // Beautiful 3 Bedroom 3 Bath Brick with lots of character. Big open and spacious rooms with Beautiful hardwood floors and woodwork all through the house. Custom Kitchen with plenty space for Family gatherings. Nice sun porch that goes out onto the Deck, for coffee and quiet mornings. Nestled in the heart of Ripley.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

6/10
Ripley Elementary SchoolGrades K-40.5 mi
4/10
Ripley Middle SchoolGrades 5-80.8 mi
8/10
Ripley High SchoolGrades 9-120.8 mi

Construction

Materials

  • Roof: Architectural
  • Construction materials: Brick,Insulation

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Electric Water Heater

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Quartz Counters,Ceiling Fans
  • Window features: Window Treatments,Storm Window(s)
  • Flooring: Cpt/Wood/Tile
  • Fireplace features: Gas Log
  • Finished area below ground: 0
  • Finished area above ground: 2,825

Interior Area

  • Total structure area: 2,825
  • Total interior livable area: 2,825 sqft

Property

Details

  • Parcel number: 3643F1411301

Features

  • Stories: 2
  • Patio & porch: Deck
  • Fencing: Yes

Lot

  • Lot size: 0.45 Acres
  • Lot size dimensions: 99 x 198

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
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Earthquake
Lightning
Heat Wave
Strong Wind

FEMA Declared Disasters in Tippah 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 $1,613$19,356
Home Insurance *$341$4,092
Property Taxes $148$1,776
Electricity $262$3,152
Total$2,364$28,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,051/yr
40% on housing$70,920/yr
45% on housing$63,040/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 38663$101
Tippah County$128

vs Homes Sold Last Month

Median $/sqft

ZIP 38663
Tippah County$110

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
2026-03-06Listed for sale$319,000

For Sale by Agent

AgentPhyllis Childers Gay
BrokerageFive Star Realty

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