206 Swan Lake Dr, Coldwater, MS, 38618
About This Home
Welcome to 206 Swan Lake Drive in Coldwater, MS (Owner Financing Option) — a spacious home set on 2.85± acres in Tate County. Built in 2007, this 3,715± sq ft, two-story property offers 5 bedrooms and 3 full baths. One of the most impressive features of this home is its construction, designed with safety and durability in mind. Built using Hercules residential wall and floor systems along with StormPro 361 severe weather door and frame systems, the home offers superior protection against storms, earthquakes, fire, bullets, and termites. The windows on the first level are equipped with protective doors that can be closed to block flying debris during severe weather. The foundation was reinforced with rebar, which was embedded in the concrete. Over this, Eco-Block (Styrofoam) forms were installed, creating a highly insulated and storm-resistant structure. The second floor is secured by rebar, a solid concrete slab and styrofoam insulation, further enhancing the home's strength and stability. (Above the electric fireplace there is a opening for the TV where you can see the actual ECO-Blocks). The main level features an expansive open living area, an efficient kitchen, two bedrooms, two bathrooms, office, and laundry closet. Upstairs, a private apartment-style setup offers three more bedrooms, a full bath, a kitchen, and a laundry area — ideal for guests, extended family, or rental opportunities. The upstairs has a dedicated electrical panel. A three-car garage provides plenty of storage, while outside, the property overlooks a peaceful 4.5± acre pond and includes two outbuildings for lawn equipment and tools. The home is All electric, generator ready and there is a wood burning heater capable of heating either the lower or upper levels. Come see this remarkable engineering design today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Move In Ready
- Year built: 2007
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Cooktop,Electric Water Heater,Refrigerator
- Laundry features: Multiple Locations
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Primary Downstairs
- Window features: Vinyl
- Flooring: Tile,Vinyl
- Fireplace features: Gas Log,Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 3,850
- Total interior livable area: 3,850 sqft
Property
Details
- Parcel number: 038340000687
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio,Screened
- Exterior features: Private Yard
- On waterfront: Yes
- Waterfront features: Pond
Lot
- Lot size: 2.85 Acres
Parking
- Total spaces: 3
- Parking features: Attached,Parking Pad
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Cold Wave
- Heat Wave
- Lightning
- Tornado
- Earthquake
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Tate County and Mississippi
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,604 | $31,248 |
| Home Insurance * | $314 | $3,768 |
| Property Taxes | $270 | $3,240 |
| Electricity | $357 | $4,295 |
| Total | $3,545 | $42,540 |
Income You'd Need if You Spent...
Mississippi FAIR Plan Programs
Mississippi Residential Property Insurance Underwriting Association
Wildfire
HailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-12-04 | Price change | $515,000 |
| 2025-04-19 | Listed for sale | $530,000 |
| 2024-08-23 | Listing removed | $530,000 |
| 2024-06-06 | Listed for sale | $530,000 |
| 2024-03-15 | Listing removed | $499,000 |
| 2024-01-25 | Price change | $504,900 |
| 2024-01-14 | Price change | $509,900 |
| 2024-01-07 | Price change | $514,900 |
| 2023-12-22 | Price change | $519,900 |
| 2023-12-16 | Price change | $524,900 |
| 2023-12-01 | Price change | $530,000 |
| 2023-11-18 | Price change | $535,000 |
| 2023-11-03 | Price change | $540,000 |
| 2023-10-20 | Price change | $545,000 |
| 2023-10-06 | Price change | $550,000 |
| 2023-09-25 | Price change | $555,000 |
| 2023-03-04 | Listed for sale | $560,000 |
| 2022-07-24 | Listing removed | -- |
| 2022-07-06 | Price change | $499,000 |
| 2022-03-26 | Listed for sale | $550,000 |
| 2021-11-27 | Listing removed | -- |
| 2021-08-28 | Listed for sale | $525,000 |
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