14001 Dundee Cv · Gulfport, MS 39503

$219,990

4 bd · 1.0 ba · 1,574 sqft · SingleFamily public records · 50 Days on market

Built 2001 9,583 sqft lot Est $228k · at est.

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Why this score? — see what drove the C+ 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 +24.3/30.0
• ARV discount +9.1/15.0
• DSCR +7.8/10.0
• 1% rule +5.2/10.0
• Rent growth +4.2/5.0
• Schools +4.2/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Purchase this property with as low as 3% down. Property approved for Homepath Mortgage Financing & Homepath Renovation Mortgage.Property acquired through a Foreclosure Sale and the property is being sold in AS IS condition. Seller does not make any representations or warranties as to its condition.

Key facts

• Spacious yard
• Fresh paint
• Woods bordering

Tags

• NEWER ROOF
• NEW FLOORING
• FRESH PAINT
• PRIVACY FENCE
• SPACIOUS YARD
• WOODS BORDERING

Property features AI

Exterior

• Parking: Attached garage with 2 spaces
• Security: Owned security system
• Utilities: Public sewer; Community water; Cable available; Electricity connected; Sewer connected; Water connected
• Home design: Single-family house; One level
• Construction: Vinyl and brick exterior; Shingle roof; Slab foundation; Built according to assessor records
• Exterior features: Rain gutters; Located on a cul-de-sac

Interior

• Kitchen: Free-standing electric range; Refrigerator
• Flooring: Luxury vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central electric air conditioning
• Interior features: Fireplace in the living room; Window blinds

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $443 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $220k).
• Recommended offer: $213k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.7% vs local median 4.9% in Gulfport — 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 73/100 on livability (#15 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F, employment F.
• Harrison County School District (rural): math 52% / reading 46% proficiency, ranked #14 of 130 in MS (top 11%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Lyman Elementary School (math 62% / reading 50%, grade C+, #39 of 375 statewide, top 10%, 490 students, 99% FRL) — zoned schools average 99% FRL vs 62% district-wide (37 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+7.0%/yr); 763 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 2,194 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).
• This rent runs 43% of the median local income ($63k/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.
• Harrison County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 7.0% rent growth), your $62k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($213k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y ago; this cycle's ask has dropped $30k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $213,390 (3.0% below list)

Questions for the listing agent

1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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. 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.
5. 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.
6. 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: 8.71%
• Cash-on-cash: 8.63%
• DSCR: 1.38
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $228,230
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14036 Dundee Cv	0.10mi	3/2.0 (-1)	1,438 (-9%)	3mo	$194,000	$135	70
14041 Anandale Cir	0.43mi	3/2.0 (-1)	1,589 (+1%)	10mo	$227,900	$143	61
14123 Anandale Cir	0.43mi	3/2.0 (-1)	1,558 (-1%)	12mo	$245,000	$157	59
16259 Greenglade Dr	0.37mi	3/2.0 (-1)	1,466 (-7%)	7mo	$219,000	$149	57
14028 Dundee Cv	0.08mi	3/2.0 (-1)	1,365 (-13%)	13mo	$184,900	$135	55
14033 Dundee Cv	0.10mi	3/2.0 (-1)	1,347 (-14%)	11mo	$195,000	$145	53
14137 Waterford Cir	0.38mi	3/2.0 (-1)	1,448 (-8%)	12mo	$219,500	$152	50
1 Wheaton Cv	0.33mi	3/2.0 (-1)	1,425 (-10%)	13mo	$130,000	$91	49
4 Heatherwood Dr	0.31mi	3/2.0 (-1)	1,434 (-9%)	18mo	$225,000	$157	47
14047 Anandale Cir	0.43mi	3/2.0 (-1)	1,736 (+10%)	10mo	$253,900	$146	45
14073 Anandale Cir	0.45mi	3/2.0 (-1)	1,707 (+8%)	13mo	$248,000	$145	45
14032 Anandale Cir	0.46mi	3/2.0 (-1)	1,750 (+11%)	12mo	$247,000	$141	41

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 · 6.99% rent growth · sell at horizon

5-year hold

• IRR: 0.8%
• Equity multiple: 1.03×
• Total profit: $1,858
• Equity at exit: $32,801

10-year hold

• IRR: 13.8%
• Equity multiple: 2.29×
• Total profit: $79,397
• Equity at exit: $19,021

Cash invested: $61,597 (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 39503

• Home prices YoY: -21.5%
• Rents YoY: 7.0%
• Active inventory: 763
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,246 medium
• Mortgage (P&I): −$1,154
• Tax from tax record: −$86 /mo · $1,034/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$472
• Net cashflow: $443

Break-even live

Break-even rent $1,685

Max offer price $219,990

Occupancy floor 75%

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: $54,998
• Closing costs: $6,600
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13415 John Clark Rd Gulfport, MS	3.0	2.0	2067	$2,090	$1.01	43d	1	0.79mi
15395 Percy St Gulfport, MS	3.0	2.0	1710	$1,975	$1.15	43d	1	1.37mi

Listing history 17 events

1. 2026-06-18
   days on market $219,990 Active 50 DOM
2. 2026-06-17
   days on market $219,990 Active 49 DOM
3. 2026-06-16
   days on market $219,990 Active 48 DOM
4. 2026-06-15
   pricestatusdays on market $219,990 Active 47 DOM
5. 2026-06-08
   status $229,990 Pending 46 DOM
6. 2026-06-07
   days on market $229,990 Active 46 DOM
7. 2026-06-02
   days on market $229,990 Active 41 DOM
8. 2026-06-01
   days on market $229,990 Active 40 DOM
9. 2026-05-31
   days on market $229,990 Active 39 DOM
10. 2026-05-30
    days on market $229,990 Active 38 DOM
11. 2026-05-18
    status Active
12. 2026-04-28
    status Pending
13. 2026-04-16
    price $229,990
14. 2026-04-02
    listed $249,990 Active
15. 2010-02-23
    soldstatus 303-char remark

    Show marketing remark (303 chars)

    Purchase this property with as low as 3% down. Property approved for Homepath Mortgage Financing & Homepath Renovation Mortgage.Property acquired through a Foreclosure Sale and the property is being sold in AS IS condition. Seller does not make any representations or warranties as to its condition.

16. 2010-02-22
    soldstatus
17. 2010-01-08
    listed $104,900 303-char remark

    Show marketing remark (303 chars)

    Purchase this property with as low as 3% down. Property approved for Homepath Mortgage Financing & Homepath Renovation Mortgage.Property acquired through a Foreclosure Sale and the property is being sold in AS IS condition. Seller does not make any representations or warranties as to its condition.

ⓘ 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: $1,034 · $86/mo
• Projected year-2 tax: $1,738 · $145/mo
• Expected delta: +$703/yr (+$59/mo · 68.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 21 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: $26,953
• − Mortgage interest: −$12,323
• − Property taxes: −$1,034
• − Insurance: −$1,100
• − Repairs & maintenance: −$2,156
• − Management: −$2,156
• − Depreciation: −$6,400
• Taxable income: $1,784
• Est. tax owed @ 24.0%: −$428
• After-tax cash flow: $4,887/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: Harrison County School District
• NCES district ID: 2801770
• Math proficiency: 52% ▼ -4.00%
• Reading proficiency: 46% ▼ -4.00%
• Median HH income: $46,504
• Composite: 41.66/100
• National rank: #3419
• State rank: #14 of 130 in MS

Livability — Gulfport

• Score: 73/100
• State rank: #15
• US rank: #5010

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gulfport, MS
• County: Harrison County · 178,171 people
• City population: 96,188
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 55,059
• Household income: $62,641
• Rent vs Own: 29.3% rent · 70.7% own
• Severe rent burden: 1686.0

Population outlook (Harrison County) Hauer SSP2

• Today (2025): 228,444 people
• By 2030: 241,942 · +5.9%
• By 2040: 267,531 · +17.1%
• By 2050: 291,062 · +27.4%
• By 2075: 346,711 · +51.8%
• By 2100: 378,165 · +65.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 58% Black 27% Two or more races 9% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Lithuanian 5% Slovak 1% Portuguese 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 3%

Political lean MEDSL · Harrison

• 2024 margin: Strong R (+28.9) · D 35.0% · R 63.9% · Other 1.1%
• 2008→2024 swing: -2.9pp toward R · 2008: -26.0pp · 2024: -28.9pp
• All cycles: 2024: R+28.9 2020: R+25.2 2016: R+30.7 2012: R+26.6 2008: R+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -51.39%
• Current HPI: 187.285
• Rent YoY: ▲ 6.99%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+119.2% since first listed

7 events — show timeline

• 2026-05-18 Relisted — MLSU
• 2026-04-28 Pending — MLSU
• 2026-04-16 Price Changed $229,990 MLSU
• 2026-04-02 Listed $249,990 MLSU
• 2010-02-23 Sold (MLS) — MLSU
• 2010-02-22 Sold (Public Records) — Public Records
• 2010-01-08 Listed $104,900 MLSU

Property tax history

-0.3%/yr

Latest (2025): $1,034 · +5.6% YoY. Source: county tax records.