14976 Angela Dr · Gulfport, MS 39503

$150,000

3 bd · 1.0 ba · 2,134 sqft · SingleFamily public records · 10 Days on market

Built 1965 0.55 ac lot Est $292k · 49% under

---

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 +27.5/30.0
• ARV discount +15.0/15.0
• DSCR +9.6/10.0
• 1% rule +7.2/10.0
• 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

Spacious brick home offering approximately 1850 square feet with 3 bedrooms and 2 full baths, plus an attached 2-car garage. The property features a strong layout with generous living space throughout, providing a solid foundation for future improvements. This is a great opportunity for an investment-minded buyer looking to renovate and add value. With its size and potential, the home is well-suited for a full update or rehab project. Property is expected to qualify for cash or construction financing only and will not go government loan programs. Buyer to verify all information

Key facts

• 0.55 acre lot
• 2 garage spots
• Built 1965

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

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 $150k).
• Cap rate 9.8% 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: schools D, amenities F, commute 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.
• Market conditions: Rents rising fast (+7.0%/yr); 763 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,194 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% 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 $1k of loan paydown is wiped out by about $4k 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 $42k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $150,000

Questions for the listing agent

1. Built in 1965 — 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. 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: 1.22% ✓
• Cap rate: 9.84%
• Cash-on-cash: 12.66%
• DSCR: 1.56
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $292,358
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14976 Angela Dr	0.00mi	3/2.0	1,850 (-13%)	0mo	$150,000	$81	74
14900 Angela Dr	0.16mi	3/3.0	2,051 (-4%)	6mo	$160,000	$78	73
123 Darran St	0.26mi	3/2.0	1,813 (-15%)	10mo	$215,000	$119	51
11010 Three Rivers Rd	0.35mi	4/2.0 (+1)	1,835 (-14%)	2mo	$189,000	$103	50
14325 Southern Maple Ave	0.43mi	4/2.0 (+1)	1,885 (-12%)	13mo	$258,565	$137	40
14337 Southern Maple Ave	0.47mi	3/2.0	1,848 (-13%)	15mo	$259,675	$141	39
14338 Southern Oak Ave	0.47mi	3/2.0	1,848 (-13%)	16mo	$255,395	$138	39
14321 Southern Maple Ave	0.42mi	3/2.0	1,848 (-13%)	18mo	$255,260	$138	39
14336 Southern Maple Ave	0.47mi	4/2.0 (+1)	1,885 (-12%)	14mo	$257,460	$137	38
13284 Southern Pecan St	0.41mi	4/2.0 (+1)	1,892 (-11%)	19mo	$257,545	$136	37
14334 Southern Oak Ave	0.46mi	4/2.0 (+1)	1,885 (-12%)	16mo	$260,090	$138	37
14376 Southern Elm Ave	0.52mi	4/2.0 (+1)	1,885 (-12%)	23mo	$257,540	$137	28

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: 6.8%
• Equity multiple: 1.28×
• Total profit: $11,573
• Equity at exit: $22,365

10-year hold

• IRR: 19.3%
• Equity multiple: 2.92×
• Total profit: $80,525
• Equity at exit: $12,969

Cash invested: $42,000 (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: 6.8×

Monthly cashflow live

• Estimated rent: $1,832 high
• Mortgage (P&I): −$787
• Tax from tax record: −$155 /mo · $1,855/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$385
• Net cashflow: $443

Break-even live

Break-even rent $1,271

Max offer price $150,000

Occupancy floor 71%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11413 Camden Court Cir Gulfport, MS	3.0	2.0	1495	$1,775	$1.19	44d	1	0.82mi
11405 Camden Court Cir Gulfport, MS	3.0	2.0	1495	$1,775	$1.19	44d	1	0.82mi
11487 Camden Court Cir Gulfport, MS	3.0	2.0	1495	$1,775	$1.19	44d	1	0.82mi
11425 Camden Court Cir Gulfport, MS	3.0	2.0	1495	$1,775	$1.19	21d	1	0.82mi
11502 Camden Court Cir Gulfport, MS	3.0	2.0	1495	$1,775	$1.19	21d	1	0.84mi
10466 Steeplechase Dr Gulfport, MS	3.0	2.0	1677	$1,800	$1.07	14d	1	1.30mi
15373 Saint Charles St Gulfport, MS	3.0	1.0–3.0	1075	$1,350	$1.26	44d	2	1.33mi
16222 Saddle Dr Gulfport, MS	3.0	2.0	1680	$1,600	$0.95	21d	1	1.37mi

Listing history 6 events

1. 2026-04-28
   status Pending 584-char remark

   Show marketing remark (584 chars)

   Spacious brick home offering approximately 1850 square feet with 3 bedrooms and 2 full baths, plus an attached 2-car garage. The property features a strong layout with generous living space throughout, providing a solid foundation for future improvements. This is a great opportunity for an investment-minded buyer looking to renovate and add value. With its size and potential, the home is well-suited for a full update or rehab project. Property is expected to qualify for cash or construction financing only and will not go government loan programs. Buyer to verify all information

2. 2026-04-28
   status Pending

   Show marketing remark (584 chars)

   Spacious brick home offering approximately 1850 square feet with 3 bedrooms and 2 full baths, plus an attached 2-car garage. The property features a strong layout with generous living space throughout, providing a solid foundation for future improvements. This is a great opportunity for an investment-minded buyer looking to renovate and add value. With its size and potential, the home is well-suited for a full update or rehab project. Property is expected to qualify for cash or construction financing only and will not go government loan programs. Buyer to verify all information

3. 2026-04-17
   listed $150,000 Active 584-char remark

   Show marketing remark (584 chars)

   Spacious brick home offering approximately 1850 square feet with 3 bedrooms and 2 full baths, plus an attached 2-car garage. The property features a strong layout with generous living space throughout, providing a solid foundation for future improvements. This is a great opportunity for an investment-minded buyer looking to renovate and add value. With its size and potential, the home is well-suited for a full update or rehab project. Property is expected to qualify for cash or construction financing only and will not go government loan programs. Buyer to verify all information

4. 2026-04-17
   listed $150,000 Active

   Show marketing remark (584 chars)

   Spacious brick home offering approximately 1850 square feet with 3 bedrooms and 2 full baths, plus an attached 2-car garage. The property features a strong layout with generous living space throughout, providing a solid foundation for future improvements. This is a great opportunity for an investment-minded buyer looking to renovate and add value. With its size and potential, the home is well-suited for a full update or rehab project. Property is expected to qualify for cash or construction financing only and will not go government loan programs. Buyer to verify all information

5. 2025-08-26
   soldstatus
6. 2025-08-26
   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: $1,855 · $155/mo
• Projected year-2 tax: $1,855 · $155/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 10/10 Extreme 7 d/yr ≥107°F today · 23 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: $21,978
• − Mortgage interest: −$8,402
• − Property taxes: −$1,855
• − Insurance: −$750
• − Repairs & maintenance: −$1,758
• − Management: −$1,758
• − Depreciation: −$4,364
• Taxable income: $3,090
• Est. tax owed @ 24.0%: −$742
• After-tax cash flow: $4,576/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

+0.0% since first listed

6 events — show timeline

• 2026-04-28 Pending — HAAR
• 2026-04-28 Pending — MLSU
• 2026-04-17 Listed $150,000 MLSU
• 2026-04-17 Listed $150,000 HAAR
• 2025-08-26 Sold (Public Records) — Public Records
• 2025-08-26 Sold (Public Records) — Public Records

Property tax history

+17.5%/yr

Latest (2025): $1,855 · +4.7% YoY. Source: county tax records.