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435 Crossvine Pl
Madison, MS

435 Crossvine Pl

$469,900
4 bd • 3 ba • 2,412 sf

This analysis was generated by artificial intelligence on 1/22/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

List Price

$469,900

Price/Sq.Ft

$195

Year Built

2022

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

The property at 435 Crossvine Pl, Madison, MS offers several attractive features. At $194.82/sqft, it's priced competitively compared to the local market, potentially offering instant equity. The home is nearly new, built in 2022, which means minimal wear and tear and likely adherence to modern building codes. With 2,412 sqft, it's spacious and includes 4 bedrooms and 3 bathrooms, making it suitable for families or those needing extra space. The open floor plan, large island, and luxury vinyl floors add to its appeal. The covered patio and private yard are great outdoor amenities. Located in the sought-after Thornberry subdivision and within the esteemed Germantown school district (with highly rated middle and high schools), it offers excellent educational opportunities. The property has very low flood risk (1/10) and minor fire risk (2/10), which is advantageous for insurance costs and peace of mind.

The Bad

The property has been on the market for 153 days, which is significantly longer than average, potentially indicating overpricing or issues not apparent in the listing. The price has already been reduced by 2.1%, suggesting some difficulty in selling. The heat risk is severe (7/10), which could lead to higher cooling costs and potential discomfort during hot months. The wind risk is major (6/10), which may result in higher insurance premiums and potential property damage concerns. While the house is spacious, the price per square foot of $194.82 is relatively high for the Madison area, which could limit the pool of potential buyers.

The Ugly

The property's major wind risk (6/10) is a significant concern, as it could lead to substantially higher insurance premiums and potential property damage. The severe heat risk (7/10) with 7 extremely hot days per year and a 98th percentile temperature of 108°F could result in high cooling costs and potential health risks. The house's newness (built in 2022) means it hasn't had time to establish a track record for potential issues or defects that might emerge over time. The long time on market (153 days) could indicate hidden problems or that the property is overpriced, even after the recent price reduction. The listing mentions an HOA but doesn't specify the fees, which could be a significant additional cost for potential buyers.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

This property is best suited for families or professionals seeking a spacious, modern home in a good school district. With 4 bedrooms and 3 bathrooms, it can accommodate larger families or those needing extra space for a home office. The property would appeal to buyers who prioritize energy efficiency and low maintenance costs associated with newer construction. It's ideal for those who value outdoor living spaces, given the covered patio and private yard. The location in the Germantown school district makes it perfect for families with school-age children. Based on the median income of the area ($114,177), it's well-suited for upper-middle-class buyers who can afford the $469,900 price tag.

Not For

This property is not suitable for first-time homebuyers or those on a tight budget, given its price point and potential additional costs (HOA, higher insurance due to wind risk). It's not ideal for investors looking for immediate rental income, as the purchase price is high relative to potential rental income (estimated at $2,200/month for a 4-bedroom in the area). Those sensitive to heat or looking to minimize energy costs might find the severe heat risk (7/10) problematic. Buyers looking for historical charm or unique architectural features may be disappointed by the new construction's potentially cookie-cutter design. It's not suitable for those seeking a low-maintenance condo or townhouse lifestyle.
Demographics
Area Median Income

$114,177

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Risk Assessment

Climate Risks

heatSEVERE

7 extreme heat days per year

98th percentile: 108°F

windMAJOR

Insurance: Required

fireMINOR

Insurance: Recommended

airMINOR

0 bad air quality days per year

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

Risk Analysis

The major wind risk (6/10) is a significant concern, potentially leading to higher insurance costs and increased risk of property damage. The severe heat risk (7/10) could result in high cooling costs and potential health risks during extreme heat events. While flood risk is minimal, the changing climate could alter this in the future. The newness of the construction (2022) means potential construction defects or settling issues might not yet be apparent. The long time on market (153 days) and recent price reduction could indicate overpricing or hidden issues not evident in the listing. The unspecified HOA fees and what they cover could be a financial risk if they increase significantly over time. The luxury vinyl flooring, while attractive, may have a shorter lifespan than hardwood and could need replacement sooner. The high price per square foot relative to the local market could impact future appreciation potential.
Insurance
Annual Cost

$1,692

$141 per month

Financials

Monthly Costs
Market Rent (4 bed)

$2,200

Get a detailed rental estimate on Zillow®
HOA Fee

$82

Price History

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Frequently Asked Questions

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