5137 Community Ave · Moss Point, MS 39563

$45,000

1 bd · 1.0 ba · 816 sqft · SingleFamily public records · 27 Days on market

Built 1960 0.37 ac lot Est $78k · 43% under

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Why this score? — see what drove the A- 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +7.3/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0

Listing remarks

Check out this charming 1-bedroom, 1-bath home offering 816 square feet of comfortable living space in Moss Point! Situated on a spacious corner lot, this property offers added privacy and plenty of outdoor potential. A detached workshop provides excellent storage or workspace and could easily be converted into a separate living area, guest suite, or income-producing space. Whether you're searching for an affordable starter home, downsizing opportunity, or investment property, this home has plenty of potential. Conveniently located near local shopping, dining, and major roadways, this unique property is full of opportunity you won't want to miss!

Key facts

• Detached workshop
• Corner lot
• Outdoor potential

Tags

• CORNER LOT
• DETACHED WORKSHOP
• OUTDOOR POTENTIAL

Property features AI

Finance

• Other: Property listed as fixer; Living area reported as 816 (per public records); Lot size approximately 0.37 acre

Exterior

• Parking: 2-space carport; Driveway parking
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single-family residence, one level; House structure; Entry level: One
• Construction: Brick and siding exterior; Shingle roof; Raised foundation; Built (year per public records)
• Exterior features: Corner lot; See remarks for additional exterior details

Interior

• Kitchen: Electric range
• Bathrooms: 1 full bathroom
• Heating & cooling: Heating: see remarks; Wall/window cooling units
• Interior features: Electric range; See remarks for additional interior details

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $370 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($868 rent vs $45k).
• Recommended offer: $44k (1.5% below list) — sets the bar for market timing.
• Cap rate 16.1% vs local median 6.8% in Moss Point — 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 67/100 on livability (#77 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: health & safety D+, schools D, amenities F.
• Moss Point Separate School District (suburban): math 17% / reading 22% proficiency, ranked #94 of 130 in MS (top 72%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 83% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 86 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 516 units permitted in Jackson County in 2024 (6 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($311 loan paydown + $2k appreciation (4.6% local appreciation)).
• At projected returns (4.6% appreciation + 3.0% rent growth), your $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($44k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: 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 $44,325 (1.5% below list)

Questions for the listing agent

1. Built in 1960 — 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: 1.93% ✓
• Cap rate: 16.15%
• Cash-on-cash: 35.19%
• DSCR: 2.57
• GRM: 4.3

CMA / ARV

• ARV (on-the-fly): $78,336
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5612 Gregory St	0.70mi	2/1.0 (+1)	910 (+12%)	22mo	$87,000	$96	25

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

Projected returns pro-forma

4.6% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 43.3%
• Equity multiple: 3.61×
• Total profit: $32,907
• Equity at exit: $24,420

10-year hold

• IRR: 41.6%
• Equity multiple: 7.32×
• Total profit: $79,673
• Equity at exit: $41,279

Cash invested: $12,600 (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 39563

• Home prices YoY: 3.0%
• Active inventory: 86
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $868 medium
• Mortgage (P&I): −$236
• Tax from tax record: −$62 /mo · $742/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$182
• Net cashflow: $370

Break-even live

Break-even rent $401

Max offer price $45,000

Occupancy floor 52%

Sensitivity live

Price	-10% $395	-5% $382	+0% $370	+5% $357	+10% $344
Rent	-10% $301	-5% $335	+0% $370	+5% $404	+10% $438
Rate	-1.0pp $392	-0.5pp $381	base $370	+0.5pp $358	+1.0pp $346

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6430 Jasmine St Apt A4 Moss Point, MS	1.0	1.0	600	$949	$1.58	14d	1	1.26mi
6443 Jasmine St Moss Point, MS	1.0	1.0	575	$650	$1.13	14d	1	1.30mi
4800 Long Ave Pascagoula, MS	1.0–3.0	1.0–2.0	904	$976	$1.08	14d	27	1.36mi

Listing history 15 events

1. 2026-06-18
   days on market $45,000 Active 27 DOM
2. 2026-06-17
   days on market $45,000 Active 26 DOM
3. 2026-06-16
   days on market $45,000 Active 25 DOM
4. 2026-06-15
   pricedays on market $45,000 Active 24 DOM
5. 2026-06-10
   days on market $50,000 Active 23 DOM
6. 2026-06-09
   days on market $50,000 Active 22 DOM
7. 2026-06-09
   price $50,000 Active 21 DOM
8. 2026-06-08
   days on market $54,000 Active 21 DOM
9. 2026-06-07
   days on market $54,000 Active 20 DOM
10. 2026-06-02
    pricedays on market $54,000 Active 15 DOM
11. 2026-06-01
    days on market $55,000 Active 14 DOM
12. 2026-05-31
    days on market $55,000 Active 13 DOM
13. 2026-05-30
    days on market $55,000 Active 12 DOM
14. 2026-05-18
    listed $59,000 Active
15. 2020-02-05
    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: $742 · $62/mo
• Projected year-2 tax: $742 · $62/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 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,422
• − Mortgage interest: −$2,521
• − Property taxes: −$742
• − Insurance: −$225
• − Repairs & maintenance: −$834
• − Management: −$834
• − Depreciation: −$1,309
• Taxable income: $3,957
• Est. tax owed @ 24.0%: −$950
• After-tax cash flow: $3,484/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: Moss Point Separate School District
• NCES district ID: 2803000
• Math proficiency: 17% ▼ -3.00%
• Reading proficiency: 22% ▬ 0.00%
• Median HH income: $38,041
• Composite: 16.34/100
• National rank: #9205
• State rank: #94 of 130 in MS

Livability — Moss Point

• Score: 67/100
• State rank: #77
• US rank: #10398

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moss Point, MS
• City population: 12,023
• Population (ZIP): 12,023

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: Predominantly Black (74%)
• Race & ethnicity: Black 74% White 18% Hispanic / Latino 4% Two or more races 2%
• Common ancestry: Lithuanian 0%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 3%

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: ▲ 4.60%
• Current HPI: 155.3138
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

2 events — show timeline

• 2026-05-18 Listed $59,000 MLSU
• 2020-02-05 Sold (Public Records) — Public Records

Property tax history

+11.7%/yr

Latest (2025): $742 · +7.1% YoY. Source: county tax records.