84118 Lola Dr · Diamondhead, MS 39525

$224,900

4 bd · 2.0 ba · 1,848 sqft · SingleFamily public records · 30 Days on market

Built 2005 8,276 sqft lot Est $307k · 27% under

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Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +24.7/30.0
• ARV discount +15.0/15.0
• DSCR +8.0/10.0
• 1% rule +5.2/10.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This well-maintained single-family home offers a spacious and functional layout ideal for modern living. Built in 2005, the residence features 4 bedrooms and 2 bathrooms, providing ample space for families or those needing extra room for guests, a home office, or hobbies. The home is designed around an open floor plan that seamlessly connects the main living areas. The expansive great room flows into the kitchen and dining area, creating an inviting environment perfect for entertaining or everyday living. High ceilings and abundant natural light enhance the sense of openness throughout the home. The kitchen is centrally positioned, offering convenient access to both the living and dining sp

Key facts

• Open floor plan
• Expansive great room
• Split-bedroom design

Tags

• OPEN FLOOR PLAN
• EXPANSIVE GREAT ROOM
• CENTRALLY POSITIONED KITCHEN
• SPLIT-BEDROOM DESIGN
• COVERED BACK PATIO
• FENCED BACKYARD

Property features AI

Finance

• HOA & community: Community amenities include airport/runway access, boating, clubhouse, fitness center, golf, health club, park, RV/boat storage, sports fields, and tennis courts

Exterior

• Parking: 2-car garage with garage door opener; Concrete parking
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family house; One story; Brick veneer construction; Slab foundation
• Construction: Architectural shingle roof
• Exterior features: Private yard; Back yard fencing; Interior lot; Lot dimensions approximately 53 x 125 x 68 x 127

Interior

• Kitchen: Dishwasher; Disposal; Electric range; Refrigerator; Eat-in kitchen with breakfast bar
• Flooring: Bamboo flooring; Vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Breakfast bar; Ceiling fan(s); Eat-in kitchen; Entrance foyer; High ceilings; Soaking tub; Vaulted ceiling(s); Walk-in closet(s); Double vanity; Window treatments
• Laundry & utility: Inside laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $403 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $225k).
• Recommended offer: $222k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 4.8% in Diamondhead — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 68/100 on livability (#59 in MS) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Hancock County School District (rural): math 47% / reading 44% proficiency, ranked #23 of 130 in MS (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Hancock Elementary School (math 64% / reading 59%, grade B, #22 of 375 statewide, top 6%, 639 students, 100% FRL); Hancock Middle School (math 48% / reading 44%, grade D+, #39 of 179 statewide, top 22%, 958 students, 100% FRL); Hancock High School (math 42% / reading 43%, grade F, #42 of 197 statewide, top 21%, 1,187 students, 100% FRL) — zoned schools average 100% FRL vs 58% district-wide (41 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 246 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 248 units permitted in Hancock County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($87k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Hancock County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($222k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $221,526 (1.5% below list)

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
4. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
5. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.02% ✓
• Cap rate: 8.80%
• Cash-on-cash: 8.94%
• DSCR: 1.40
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $306,768
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
84118 Lola Dr	0.00mi	4/2.0	1,848 (0%)	1mo	$224,900	$122	100
84135 Lola Dr	0.15mi	3/2.0 (-1)	1,764 (-4%)	4mo	$289,000	$164	77
95522 W Diamondhead Dr	0.45mi	3/2.0 (-1)	1,782 (-4%)	2mo	$300,000	$168	66
8469 Amoka Dr	0.17mi	3/2.0 (-1)	1,612 (-13%)	3mo	$284,900	$177	64
7455 Analii St	0.45mi	3/2.0 (-1)	1,722 (-7%)	0mo	$159,900	$93	62
6329 Anela Dr	0.68mi	3/2.0 (-1)	1,850 (+0%)	2mo	$264,900	$143	62
7426 Mahalo Hui Dr	0.55mi	4/2.5	1,954 (+6%)	6mo	$325,000	$166	58
72683 N Diamondhead Dr	0.67mi	4/2.0	2,000 (+8%)	1mo	$305,000	$153	54
9536 Poni Pl	0.67mi	3/2.0 (-1)	1,714 (-7%)	1mo	$229,900	$134	51
85010 Diamondhead Lakes Blvd	0.50mi	3/2.5 (-1)	2,111 (+14%)	1mo	$385,000	$182	45
7315 Ahi Dr	0.57mi	3/2.0 (-1)	1,583 (-14%)	1mo	$269,000	$170	44
6414 Kiko St	0.66mi	3/2.0 (-1)	1,634 (-12%)	5mo	$320,000	$196	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.6%
• Equity multiple: 0.83×
• Total profit: $-10,848
• Equity at exit: $33,533

10-year hold

• IRR: 5.0%
• Equity multiple: 1.37×
• Total profit: $23,356
• Equity at exit: $19,445

Cash invested: $62,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Mississippi: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; very landlord-favorable; no rent control.

Methodology + full state rankings →

ZIP-level market 39525

• Home prices YoY: -19.1%
• Active inventory: 246
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,290 medium
• Mortgage (P&I): −$1,179
• Tax from tax record: −$66 /mo · $797/yr
• Insurance: −$94
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$481
• Net cashflow: $403

Break-even live

Break-even rent $1,780

Max offer price $224,900

Occupancy floor 77%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $56,225
• Closing costs: $6,747
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7516 Pinehurst Ct Diamondhead, MS	3.0	3.0	2418	$2,000	$0.83	13d	1	0.36mi
63739 Diamondhead Dr N Diamondhead, MS	3.0	2.0	1580	$1,600	$1.01	21d	1	0.78mi

Listing history 3 events

1. 2026-04-29
   status Pending
2. 2026-03-30
   listed $224,900 Active
3. 2005-07-26
   soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MS · Resets to sale price

• Current annual tax: $797 · $66/mo
• Projected year-2 tax: $1,777 · $148/mo
• Expected delta: +$980/yr (+$82/mo · 123.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,474
• − Mortgage interest: −$12,598
• − Property taxes: −$797
• − Insurance: −$1,922
• − Repairs & maintenance: −$2,198
• − Management: −$2,198
• − Depreciation: −$6,543
• Taxable income: $1,219
• Est. tax owed @ 24.0%: −$293
• After-tax cash flow: $4,541/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hancock County School District
• NCES district ID: 2801740
• Math proficiency: 47% ▼ -11.00%
• Reading proficiency: 44% ▼ -9.00%
• Median HH income: $47,971
• Composite: 38.88/100
• National rank: #4099
• State rank: #23 of 130 in MS

Livability — Diamondhead

• Score: 68/100
• State rank: #59
• US rank: #9320

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment B+ Housing A+ Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Diamondhead, MS
• County: Hancock County · 9,338 people
• City population: 9,338
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 9,338
• Household income: $87,407
• Rent vs Own: 10.3% rent · 89.7% own

Population outlook (Hancock County) Hauer SSP2

• Today (2025): 52,161 people
• By 2030: 54,753 · +5.0%
• By 2040: 59,242 · +13.6%
• By 2050: 62,417 · +19.7%
• By 2075: 68,168 · +30.7%
• By 2100: 69,212 · +32.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Two or more races 9% Hispanic / Latino 8% Black 2%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 10% Slovak 3% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Hancock

• 2024 margin: Solid R (+58.7) · D 20.1% · R 78.8% · Other 1.1%
• 2008→2024 swing: -4.4pp toward R · 2008: -54.2pp · 2024: -58.7pp
• All cycles: 2024: R+58.7 2020: R+55.5 2016: R+59.4 2012: R+52.8 2008: R+54.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.77%
• Current HPI: 193.4883
• Rent YoY: —
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

3 events — show timeline

• 2026-04-29 Pending — MLSU
• 2026-03-30 Listed $224,900 MLSU
• 2005-07-26 Sold (Public Records) — Public Records

Property tax history

+2.1%/yr

Latest (2025): $797 · +0.0% YoY. Source: county tax records.