3625 Shamrock Ct · Gautier, MS 39553

$199,000

3 bd · 1.0 ba · 1,760 sqft · SingleFamily public records · 28 Days on market

Built 1966 0.74 ac lot Est $222k · 10% under

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Why this score? — see what drove the D+ 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 +16.0/30.0
• ARV discount +12.1/15.0
• DSCR +5.0/10.0
• 1% rule +3.3/10.0
• Schools +3.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Priced to sell and just walking distance to the Gulf Coast Community College Campus, this home is ready for its new owner! This adorable three bedroom brick home is perfect for any investor, homeowner looking to get into affordable housing with a quality home! The home features a one year old roof and updated HVAC system. With a 3/4 acre lot, storage shed, and sizable sunroom the home has plenty of space for recreation! The interior features brick flooring, spacious bedrooms, and an open concept kitchen/living area. The home features gas water heater, with gas optional hookup for the stove. With no flood insurance needed, new roof, and low utility costs this home is primed for affordability! Vacant and easy to show, do not miss the home! Buyers and buyers agent to verify all information.

Key facts

• Updated appliances
• Newer roof
• Brick home

Tags

• BRICK HOME
• NEWER ROOF
• RECENTLY INSTALLED AC
• UPDATED APPLIANCES
• BRICK FLOOR
• SPACIOUS SUNROOM

Property features AI

Finance

• HOA & community: Near entertainment

Exterior

• Parking: Storage available (see remarks)
• Security: Security system
• Utilities: Public water; Public sewer; Electricity connected; Water connected
• Home design: Single-family house; One level
• Construction: Brick construction; Slab foundation; Architectural shingle roof; Built according to public records
• Exterior features: Partial fencing; Shed(s) and additional storage; Few trees on the lot

Interior

• Kitchen: Double oven; Free-standing refrigerator
• Flooring: Brick flooring; Carpet; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central electric heating; Central electric cooling
• Interior features: Eat-in kitchen; Storage; Move-in ready; See remarks for additional exterior/interior details
• Laundry & utility: Laundry inside; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $199k.

Deal economics

• At list price, monthly cash flow is $100 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $165k (16.9% below list).
• Recommended offer: $165k (16.9% below list) — sets the bar for 1% rule.
• Cap rate 6.9% vs local median 4.2% in Gautier — 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 66/100 on livability (#89 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D+, employment D, amenities F.
• Pascagoula-Gautier School District (urban): math 40% / reading 38% proficiency, ranked #41 of 130 in MS (top 32%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Gautier Elementary School (math 47% / reading 47%, grade D-, #82 of 375 statewide, top 23%, 387 students, 100% FRL); Gautier Middle School (math 53% / reading 37%, grade D, #43 of 179 statewide, top 24%, 423 students, 100% FRL); Gautier High School (math 55% / reading 42%, grade D, #26 of 197 statewide, top 13%, 901 students, 100% FRL) — zoned schools average 100% FRL vs 78% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 210 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 516 units permitted in Jackson County in 2024 (6 in 5+ unit buildings).
• This rent runs 35% of the median local income ($57k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($196k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $165,427 (16.9% below list)

Questions for the listing agent

1. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 0.83% ✗
• Cap rate: 6.90%
• Cash-on-cash: 2.15%
• DSCR: 1.10
• GRM: 10.0

CMA / ARV

• ARV (on-the-fly): $221,760
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3712 Shamrock Ct	0.07mi	3/2.0	1,550 (-12%)	13mo	$244,500	$158	62
2413 Northridge Dr	0.58mi	3/2.0	1,720 (-2%)	4mo	$170,000	$99	62
3024 Ridgedale Rd	0.64mi	4/2.0 (+1)	1,805 (+3%)	3mo	$80,000	$44	54
3920 Hillandale Dr	0.65mi	3/2.0	1,919 (+9%)	2mo	$79,900	$42	49
2512 Holiday Dr	0.57mi	3/2.0	1,664 (-6%)	16mo	$209,900	$126	46
2507 Northridge Dr	0.63mi	3/2.5	1,918 (+9%)	10mo	$249,000	$130	42
2637 Valleywood Dr	0.66mi	3/2.0	1,580 (-10%)	13mo	$235,000	$149	37
3021 Smith Dr	0.60mi	3/2.0	1,536 (-13%)	12mo	$215,000	$140	37
4007 Crestwood Ct	0.67mi	4/2.0 (+1)	1,871 (+6%)	15mo	$230,000	$123	37
2500 Holiday Dr	0.55mi	3/2.0	2,004 (+14%)	16mo	$232,900	$116	33

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: -12.9%
• Equity multiple: 0.53×
• Total profit: $-25,960
• Equity at exit: $29,672

10-year hold

• IRR: -4.0%
• Equity multiple: 0.74×
• Total profit: $-14,729
• Equity at exit: $17,206

Cash invested: $55,720 (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 39553

• Home prices YoY: -17.0%
• Active inventory: 210
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,654 medium
• Mortgage (P&I): −$1,044
• Tax from tax record: −$80 /mo · $965/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$347
• Net cashflow: $100

Break-even live

Break-even rent $1,528

Max offer price $199,000

Occupancy floor 89%

Sensitivity live

Price	-10% $213	-5% $156	+0% $100	+5% $44	+10% $-13
Rent	-10% $-31	-5% $35	+0% $100	+5% $165	+10% $231
Rate	-1.0pp $200	-0.5pp $151	base $100	+0.5pp $48	+1.0pp $-4

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3254 Stonegate Cir Gautier, MS	3.0	2.0	1472	$1,700	$1.15	15d	1	0.63mi
3513 Beasley Rd Gautier, MS	1.0–3.0	1.0–2.0	1084	$1,615	$1.49	15d	12	1.46mi

Listing history 13 events

1. 2026-05-12
   status Pending
2. 2026-05-08
   price $199,000
3. 2026-04-27
   price $200,000
4. 2026-04-13
   listed $205,000 Active
5. 2024-05-22
   soldstatus Closed 802-char remark

   Show marketing remark (802 chars)

   Priced to sell and just walking distance to the Gulf Coast Community College Campus, this home is ready for its new owner! This adorable three bedroom brick home is perfect for any investor, homeowner looking to get into affordable housing with a quality home! The home features a one year old roof and updated HVAC system. With a 3/4 acre lot, storage shed, and sizable sunroom the home has plenty of space for recreation! The interior features brick flooring, spacious bedrooms, and an open concept kitchen/living area. The home features gas water heater, with gas optional hookup for the stove. With no flood insurance needed, new roof, and low utility costs this home is primed for affordability! Vacant and easy to show, do not miss the home! Buyers and buyers agent to verify all information.

6. 2024-03-27
   status Pending 802-char remark

   Show marketing remark (802 chars)

   Priced to sell and just walking distance to the Gulf Coast Community College Campus, this home is ready for its new owner! This adorable three bedroom brick home is perfect for any investor, homeowner looking to get into affordable housing with a quality home! The home features a one year old roof and updated HVAC system. With a 3/4 acre lot, storage shed, and sizable sunroom the home has plenty of space for recreation! The interior features brick flooring, spacious bedrooms, and an open concept kitchen/living area. The home features gas water heater, with gas optional hookup for the stove. With no flood insurance needed, new roof, and low utility costs this home is primed for affordability! Vacant and easy to show, do not miss the home! Buyers and buyers agent to verify all information.

7. 2024-03-20
   listed $160,000 Active 802-char remark

   Show marketing remark (802 chars)

   Priced to sell and just walking distance to the Gulf Coast Community College Campus, this home is ready for its new owner! This adorable three bedroom brick home is perfect for any investor, homeowner looking to get into affordable housing with a quality home! The home features a one year old roof and updated HVAC system. With a 3/4 acre lot, storage shed, and sizable sunroom the home has plenty of space for recreation! The interior features brick flooring, spacious bedrooms, and an open concept kitchen/living area. The home features gas water heater, with gas optional hookup for the stove. With no flood insurance needed, new roof, and low utility costs this home is primed for affordability! Vacant and easy to show, do not miss the home! Buyers and buyers agent to verify all information.

8. 2024-03-09
   historical
9. 2024-03-07
   price $167,000
10. 2024-02-26
    price $172,000
11. 2024-02-07
    price $177,000
12. 2024-01-31
    price $189,000
13. 2024-01-17
    listed $196,000 Active

ⓘ 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: $965 · $80/mo
• Projected year-2 tax: $1,572 · $131/mo
• Expected delta: +$607/yr (+$51/mo · 62.8%)

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (shaded) · 23% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,851
• − Mortgage interest: −$11,147
• − Property taxes: −$965
• − Insurance: −$995
• − Repairs & maintenance: −$1,588
• − Management: −$1,588
• − Depreciation: −$5,789
• Taxable loss: −$2,222
• Est. tax savings @ 24.0%: +$533
• After-tax cash flow: $1,732/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: Pascagoula-Gautier School District
• NCES district ID: 2803480
• Math proficiency: 40% ▼ -3.00%
• Reading proficiency: 38% ▼ -4.00%
• Median HH income: $41,392
• Composite: 32.86/100
• National rank: #5613
• State rank: #41 of 130 in MS

Livability — Gautier

• Score: 66/100
• State rank: #89
• US rank: #11250

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gautier, MS
• County: Jackson County · 82,196 people
• City population: 17,225
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 17,225
• Household income: $57,460
• Rent vs Own: 28.4% rent · 71.6% own
• Severe rent burden: 653.0

Population outlook (Jackson County) Hauer SSP2

• Today (2025): 146,926 people
• By 2030: 148,442 · +1.0%
• By 2040: 149,631 · +1.8%
• By 2050: 148,723 · +1.2%
• By 2075: 147,845 · +0.6%
• By 2100: 144,510 · -1.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 55% Black 28% Hispanic / Latino 12% Two or more races 7% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 8%
• Common ancestry: Slovak 4% Lithuanian 3% Serbian 2%
• Foreign-born: 3% · Canada, China
• Languages at home: 90% English-only · Spanish 8% Chinese 0%

Political lean MEDSL · Jackson

• 2024 margin: Solid R (+39.9) · D 29.5% · R 69.4% · Other 1.1%
• 2008→2024 swing: -6.4pp toward R · 2008: -33.5pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+34.6 2016: R+39.9 2012: R+36.1 2008: R+33.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.77%
• Current HPI: 209.1746
• Rent YoY: —
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+1.5% since first listed

13 events — show timeline

• 2026-05-12 Pending — MLSU
• 2026-05-08 Price Changed $199,000 MLSU
• 2026-04-27 Price Changed $200,000 MLSU
• 2026-04-13 Listed $205,000 MLSU
• 2024-05-22 Sold (MLS) — MLSU
• 2024-03-27 Pending — MLSU
• 2024-03-20 Listed $160,000 MLSU
• 2024-03-09 Listing Removed — MLSU
• 2024-03-07 Price Changed $167,000 MLSU
• 2024-02-26 Price Changed $172,000 MLSU
• 2024-02-07 Price Changed $177,000 MLSU
• 2024-01-31 Price Changed $189,000 MLSU
• 2024-01-17 Listed $196,000 MLSU

Property tax history

-3.9%/yr

Latest (2025): $965 · -47.0% YoY. Source: county tax records.