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1980 Pine Tree Rd, Hernando, MS, 38632

5beds
4baths
3,869sqft
$619,900
$160price/sqft
$4,120/moest. monthly cost
$164,800/yrincome needed

About This Home

Country Living at Its Finest on 1.5 Acres! Escape to the peace and privacy of country living while still enjoying the convenience of being just minutes from Hernando. Nestled on approximately 1.5 acres, this spacious 4-bedroom, 3.5-bath home offers the flexibility of an optional mother-in-law wing or 5th bedroom, making it ideal for multi-generational living, guests, or a private home office equipped with a built-in Murphy bed. Inside, you'll find generous living spaces designed for both comfort and functionality. The well-appointed kitchen features a large island, farmhouse sink, electric induction cooktop, and plenty of workspace for preparing meals and entertaining. Enjoy special occasions in the formal dining room, or relax year-round in the inviting sunroom overlooking the backyard retreat. A spacious laundry room with a built-in desk adds convenience and versatility for managing daily tasks. Step outside and discover your own private oasis. The in-ground saltwater pool is perfect for cooling off during warm Mississippi summers, while the large covered patio provides an ideal setting for outdoor gatherings, morning coffee, or evening relaxation. Adding even more charm to the property is a rustic-style tiny home that offers endless possibilities. Whether used as an arts and crafts studio, workshop, storage space, playhouse, or personal retreat, this unique bonus structure is sure to impress. The outdoor 30 x 40 metal workshop with two garage bases offers 12 foot walls and plenty of space for storage including lawn and pool equipment or enough room to work on cars if that's your hobby. With room to spread out, flexible living arrangements, and outdoor amenities designed for enjoyment, this exceptional property combines the best of country charm and modern convenience. Don't miss the opportunity to make this one-of-a-kind retreat your next home!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

9/10
Hernando Middle SchoolGrades 6-83.0 mi
9/10
Hernando High SchoolGrades 9-123.2 mi

Construction

Condition

  • Property condition: Move In Ready
  • Year built: 1992

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Electric Cooktop,Electric Water Heater,Free-Standing Refrigerator,Microwave,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Main Level,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Double Vanity,Eat-in Kitchen,Entrance Foyer,Granite Counters,In-Law Floorplan,Kitchen Island,Primary Downstairs,Storage,Breakfast Bar
  • Door features: Sliding Doors
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Den,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Hot Water,Natural Gas
  • Cooling features: Central Air,Electric,Multi Units

Interior Area

  • Total structure area: 3,869
  • Total interior livable area: 3,869 sqft

Property

Details

  • Parcel number: 3081020100000400
  • Zoning description: General Residential

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Fenced,In Ground,Salt Water
  • Patio & porch: Front Porch,Patio,Porch,Slab
  • Exterior features: Private Entrance,Private Yard
  • Spa features: Heated
  • Fencing: Stone,Wood,Wrought Iron
  • Waterfront features: None

Lot

  • Lot size: 1.50 Acres
  • Features: Few Trees,Front Yard,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Garage Door Opener,Garage Faces Side
  • 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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Earthquake
Heat Wave
Lightning

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 $3,134$37,608
Home Insurance *$354$4,248
Property Taxes $273$3,276
Electricity $359$4,317
Total$4,120$49,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,257/yr
40% on housing$123,600/yr
45% on housing$109,866/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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 38632$161
DeSoto County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 38632$163
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
2026-06-11Listed for sale$619,900
2010-11-07Listing removed$154,900
2010-09-21Price change$154,900
2010-08-23Price change$169,900
2010-08-21Listed for sale--
2010-08-16Sold--

For Sale by Agent

AgentTaylor D Phillips
BrokerageBurch Realty Group Hernando

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