$199,000

78 Ellzey Rd

Sardis, MS 38666 · Panola County

Bedrooms: 1
Bathrooms: 1
Sq ft: 640
Year built: 2020
Lot: 0.35 acres
Listed: 2026-08-10

About this home

It's not every day you get an opportunity to own your own island! Located just off the Lower Lake, this 16x40 1-bedroom Graceland home has high-end finishes throughout and comes fully furnished. Features include a porch built around two sides, covered double carport, RV hookups on site, and gated, paved, private access. Whether you're looking for a weekend getaway, a vacation home or a gameday rental, this property has all the appeal and charm. All information deemed reliable but subject to verification.

Quick answers about 78 Ellzey Rd

How much is it?: Listed at $199,000 (about $311 per sq ft) as of 2026-10-07.
Is it in a USDA-eligible area?: Yes. ZIP 38666 in Panola County is outside the areas USDA excludes, so qualified buyers may be able to buy with $0 down. The home and your household income still have to qualify.
Who can show me this home?: Kaspar Caldwell, REALTOR® with Keller Williams, can set up a tour and help you make an offer. Call 662.321.1585.

Your agent for this home

Kaspar Caldwell, REALTOR®

Keller Williams · License # S-62291. Affordable housing advocate with 45+ completed affordable housing transactions, including manufactured homes, across North Mississippi.

Call 662.321.1585 Text Kaspar Email Get pre-qualified

Zero down may be possible

This home sits in a USDA-eligible area. Final approval depends on the property and your household income.

Est. principal & interest

$1,375/mo

Rate %Term

What this estimate means

Principal & interest (P&I) is just the part of your payment that repays the loan and its interest.
Example terms: $199,000 price, $0 down, 1% USDA guarantee fee added to the loan ($200,990 borrowed), 7.28% fixed for 30 years, 360 payments of $1,375.
The default rate is the national 30-year average from Freddie Mac for the week of 2026-10-01. It is an interest rate, not an APR. Your APR and rate depend on your credit, the lender and fees.
Not included: property taxes, homeowners insurance, the annual USDA fee (about 0.35% of the loan per year), and any flood insurance or HOA dues. Your full monthly payment will be higher.
This is an example for comparison only. It is not a loan offer or approval. Your lender must give you an official Loan Estimate within 3 business days of applying.

Call Kaspar · 662.321.1585 Email kaspar@kw.com

Kaspar Caldwell, REALTOR®, License # S-62291 · Keller Williams, 2185 Hutchinson St, Tupelo, MS 38801