3444 Dundee Ln · Jackson, MS 39212

$169,000

3 bd · 3.0 ba · 2,482 sqft · SingleFamily public records · 4 Days on market

Built 1972 0.26 ac lot Est $164k · at est.

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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 +16.6/30.0
• ARV discount +6.1/15.0
• DSCR +5.1/10.0
• 1% rule +3.9/10.0
• Rent growth +3.6/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

3/2 Fixer Sold AS IS

Key facts

• Spacious yard
• Ample parking
• New flooring

Tags

• SPACIOUS YARD
• AMPLE PARKING
• FULLY UPDATED INTERIOR
• NEW FLOORING
• NEW CABINETRY
• UPDATED SINKS

Property features AI

Exterior

• Parking: Parking pad for 2 vehicles
• Utilities: Public water; Public sewer; Cable available
• Home design: Single-family house; One level; Fixer condition; Living area reported from public records
• Construction: Brick veneer and wood siding exterior; Slab foundation; Building area about 2,482 (reported)
• Exterior features: Asphalt shingle roof; Lot approximately 0.26 acre

Interior

• Flooring: Vinyl
• Bathrooms: 3 full bathrooms
• Heating & cooling: Electric heating; Electric cooling
• Interior features: Vinyl flooring; Fireplace in den and living room

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $169k.

Deal economics

• At list price, monthly cash flow is $101 ($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 $150k (11.5% below list).
• Recommended offer: $150k (11.5% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 9.9% in Jackson — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 68/100 on livability (#66 in MS) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities F, employment F, health & safety F.
• Jackson Public School District (urban): math 9% / reading 18% proficiency, ranked #112 of 130 in MS (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Oak Forest Elementary School (math 2% / reading 12%, grade F, #337 of 375 statewide, top 94%, 318 students, 100% FRL); Cardozo Middle School (math 5% / reading 10%, grade F, #168 of 179 statewide, top 94%, 625 students, 100% FRL); Forest Hill High School (math 5% / reading 15%, grade F, #168 of 197 statewide, top 86%, 991 students, 100% FRL).
• Market conditions: Rents rising fast (+4.2%/yr); 302 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 167 units permitted in Hinds County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% of the median local income ($51k/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 $5k of value loss. Plan a longer hold.
• Hinds County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 20y 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: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $149,583 (11.5% below list)

Questions for the listing agent

1. Built in 1972 — 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 F-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: 0.89% ✗
• Cap rate: 7.01%
• Cash-on-cash: 2.57%
• DSCR: 1.11
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $163,812
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3142 Bienville Dr	0.71mi	4/3.0 (+1)	2,262 (-9%)	8mo	$150,000	$66	40
3331 Fleetwood Dr	0.43mi	3/2.0	2,212 (-11%)	22mo	$50,000	$23	39
3204 Bienville Dr	0.61mi	4/2.5 (+1)	2,152 (-13%)	8mo	$162,000	$75	35

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 · 4.23% rent growth · sell at horizon

5-year hold

• IRR: -11.0%
• Equity multiple: 0.60×
• Total profit: $-19,087
• Equity at exit: $25,198

10-year hold

• IRR: -0.2%
• Equity multiple: 0.99×
• Total profit: $-551
• Equity at exit: $14,612

Cash invested: $47,320 (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 39212

• Home prices YoY: -11.7%
• Rents YoY: 4.2%
• Active inventory: 302
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,496 high
• Mortgage (P&I): −$886
• Tax from tax record: −$124 /mo · $1,484/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$314
• Net cashflow: $101

Break-even live

Break-even rent $1,368

Max offer price $169,000

Occupancy floor 88%

Sensitivity live

Price	-10% $197	-5% $149	+0% $101	+5% $54	+10% $6
Rent	-10% $-17	-5% $42	+0% $101	+5% $160	+10% $220
Rate	-1.0pp $186	-0.5pp $144	base $101	+0.5pp $58	+1.0pp $13

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2808 Ridgeland Dr Jackson, MS	3.0	2.0	1606	$1,600	$1.00	45d	1	1.13mi
2915 Longwood Dr Jackson, MS	3.0	2.0	1800	$1,400	$0.78	25d	1	1.18mi
3020 Lakewood Dr Jackson, MS	4.0	2.0	1600	$1,150	$0.72	25d	1	1.33mi
3147 Shirley Dr Jackson, MS	4.0	2.0	2137	$1,425	$0.67	15d	1	1.44mi
3147 Shirley Dr Jackson, MS	4.0	2.0	2137	$1,425	$0.67	45d	1	1.44mi
296 Woodcliff Dr Jackson, MS	3.0	2.0	2242	$1,756	$0.78	15d	1	1.49mi

Listing history 19 events

1. 2026-05-12
   status Pending
2. 2026-05-08
   listed $169,000 Active
3. 2024-02-07
   soldstatus Closed 21-char remark

   Show marketing remark (21 chars)

   3/2 Fixer Sold AS IS

4. 2024-02-06
   soldstatus
5. 2024-01-17
   status Pending 21-char remark

   Show marketing remark (21 chars)

   3/2 Fixer Sold AS IS

6. 2024-01-15
   price $60,900 21-char remark

   Show marketing remark (21 chars)

   3/2 Fixer Sold AS IS

7. 2024-01-03
   price $63,900 21-char remark

   Show marketing remark (21 chars)

   3/2 Fixer Sold AS IS

8. 2023-12-11
   price $66,900 21-char remark

   Show marketing remark (21 chars)

   3/2 Fixer Sold AS IS

9. 2023-12-01
   listed $69,900 Active 21-char remark

   Show marketing remark (21 chars)

   3/2 Fixer Sold AS IS

10. 2021-03-30
    soldstatus
11. 2013-12-30
    soldstatus 357-char remark

    Show marketing remark (357 chars)

    4 bedrooms 3 full baths. Approximately 2482 s.f. House was originally a 3/2 but the garage was enclosed and a full bath and fireplace was added. Property now has two master suites. Den with woodburning fireplace, kitchen with breakfast area, office, laundry room, and formal dining/living combo. Private backyard with detached storge room and covered patio.

12. 2013-12-23
    soldstatus
13. 2013-12-05
    listed $42,900 357-char remark

    Show marketing remark (357 chars)

    4 bedrooms 3 full baths. Approximately 2482 s.f. House was originally a 3/2 but the garage was enclosed and a full bath and fireplace was added. Property now has two master suites. Den with woodburning fireplace, kitchen with breakfast area, office, laundry room, and formal dining/living combo. Private backyard with detached storge room and covered patio.

14. 2006-07-26
    soldstatus
15. 2006-06-05
    soldstatus
16. 2006-05-16
    listed $94,900
17. 1999-10-19
    soldstatus
18. 1997-07-25
    soldstatus
19. 1972-05-19
    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: $1,484 · $124/mo
• Projected year-2 tax: $1,484 · $124/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $17,950
• − Mortgage interest: −$9,467
• − Property taxes: −$1,484
• − Insurance: −$845
• − Repairs & maintenance: −$1,436
• − Management: −$1,436
• − Depreciation: −$4,916
• Taxable loss: −$1,634
• Est. tax savings @ 24.0%: +$392
• After-tax cash flow: $1,608/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: Jackson Public School District
• NCES district ID: 2802190
• Math proficiency: 9% ▼ -14.00%
• Reading proficiency: 18% ▼ -7.00%
• Median HH income: $33,234
• Composite: 10.89/100
• National rank: #9755
• State rank: #112 of 130 in MS

Livability — Jackson

• Score: 68/100
• State rank: #66
• US rank: #9695

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jackson, MS
• County: Hinds County · 167,040 people
• City population: 140,204
• Metro: Jackson, MS
• Population (ZIP): 25,659
• Household income: $50,722
• Rent vs Own: 37.8% rent · 62.2% own
• Severe rent burden: 1314.0

Population outlook (Hinds County) Hauer SSP2

• Today (2025): 242,528 people
• By 2030: 241,113 · -0.6%
• By 2040: 235,557 · -2.9%
• By 2050: 226,946 · -6.4%
• By 2075: 199,995 · -17.5%
• By 2100: 164,165 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (86%)
• Race & ethnicity: Black 86% White 9% Hispanic / Latino 3% Two or more races 3%
• Common ancestry: Serbian 1% Lithuanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Hinds

• 2024 margin: Solid D (+46.1) · D 72.4% · R 26.3% · Other 1.4%
• 2008→2024 swing: +7.1pp toward D · 2008: 39.0pp · 2024: 46.1pp
• All cycles: 2024: D+46.1 2020: D+48.3 2016: D+43.7 2012: D+45.1 2008: D+39.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.01%
• Current HPI: 174.4025
• Rent YoY: ▲ 4.23%
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+78.1% since first listed

19 events — show timeline

• 2026-05-12 Pending — MLSU
• 2026-05-08 Listed $169,000 MLSU
• 2024-02-07 Sold (MLS) — MLSU
• 2024-02-06 Sold (Public Records) — Public Records
• 2024-01-17 Pending — MLSU
• 2024-01-15 Price Changed $60,900 MLSU
• 2024-01-03 Price Changed $63,900 MLSU
• 2023-12-11 Price Changed $66,900 MLSU
• 2023-12-01 Listed $69,900 MLSU
• 2021-03-30 Sold (Public Records) — Public Records
• 2013-12-30 Sold (MLS) — MLSU
• 2013-12-23 Sold (Public Records) — Public Records
• 2013-12-05 Listed $42,900 MLSU
• 2006-07-26 Sold (Public Records) — Public Records
• 2006-06-05 Sold (MLS) — MLSU
• 2006-05-16 Listed $94,900 MLSU
• 1999-10-19 Sold (Public Records) — Public Records
• 1997-07-25 Sold (Public Records) — Public Records
• 1972-05-19 Sold (Public Records) — Public Records

Property tax history

+1.3%/yr

Latest (2025): $1,484 · +3.6% YoY. Source: county tax records.