4507 Navaho Ave · Pascagoula, MS 39581

$150,000

3 bd · 2.0 ba · 1,464 sqft · SingleFamily public records · 168 Days on market

Built 1971 10,454 sqft lot Est $161k · 7% under

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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 +19.9/30.0
• ARV discount +10.6/15.0
• DSCR +6.3/10.0
• 1% rule +4.4/10.0
• Livability +3.5/5.0
• Schools +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cute 3/2 near the beach in Pascagoula! Same flooring throughout , stainless applianances, open floor plan, and a large back yard! A Must See!!!

Key facts

• Open floor plan
• Stainless appliances
• Large back yard

Tags

• STAINLESS APPLIANCES
• OPEN FLOOR PLAN
• LARGE BACK YARD

Property features AI

Finance

• Other: Property located at 4507 Navaho Ave, Pascagoula, MS 39581

Exterior

• Parking: 2-space carport
• Utilities: Public water; Public sewer; Cable available; Electricity available; Phone available
• Home design: Single-family house; One story; Move-in ready
• Construction: Brick construction; Slab foundation; Assessor-reported living area about 1,501 (source: Assessor)
• Exterior features: Shingle roof; Lot approximately 0.24 acres

Interior

• Kitchen: Dishwasher; Electric range; Microwave
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Move-in ready condition; Dishwasher; Electric range; Microwave; Electric water heater
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $-244 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $107k (28.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $141k (6.0% below list).
• Recommended offer: $107k (28.8% below list) — sets the bar for cash-flow.
• Cap rate 7.8% vs local median 4.3% in Pascagoula — 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 70/100 on livability (#41 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities D-, commute 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: Cherokee Elementary School (math 37% / reading 37%, grade F, #135 of 375 statewide, top 39%, 186 students, 100% FRL); William M Colmer Middle School (math 43% / reading 34%, grade F, #69 of 179 statewide, top 40%, 554 students, 100% FRL); Pascagoula High School (math 42% / reading 39%, grade F, #51 of 197 statewide, top 26%, 1,187 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: 79 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 516 units permitted in Jackson County in 2024 (6 in 5+ unit buildings).
• This rent runs 45% of the median local income ($38k/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.

Negotiation context

• It's been on market 168 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 11y 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

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $106,844 (28.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 168 days. Have you received any prior offers? Is the seller open to a 29% concession, seller financing, or rate buy-down credit?
3. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. 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: 0.94% ✗
• Cap rate: 7.75%
• Cash-on-cash: 5.21%
• DSCR: 1.23
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $161,040
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1624 Heidenheim St	0.29mi	3/2.0	1,592 (+9%)	0mo	$220,000	$138	72
4534 Shadow Wood Cir	0.06mi	3/2.5	1,558 (+6%)	17mo	$225,000	$144	70
4603 Chippewa Ave	0.32mi	3/2.0	1,478 (+1%)	20mo	$135,000	$91	67
4604 Ingalls Ave	0.35mi	3/1.5	1,344 (-8%)	1mo	$199,999	$149	67
1203 Pawnee St St	0.04mi	4/5.0 (+1)	1,400 (-4%)	18mo	$145,000	$104	59
4218 Martha Ct	0.60mi	3/1.5	1,358 (-7%)	1mo	$162,900	$120	57
2006 Miller St	0.46mi	3/2.0	1,430 (-2%)	21mo	$120,000	$84	57
4508 New Hope Ave	0.72mi	3/2.0	1,527 (+4%)	5mo	$145,000	$95	56
4811 Newman Ave	0.70mi	3/2.0	1,383 (-6%)	7mo	$201,150	$145	53
1808 Cherokee Dr	0.33mi	4/2.0 (+1)	1,600 (+9%)	17mo	$140,000	$88	50
1908 Holland St	0.49mi	4/2.0 (+1)	1,508 (+3%)	22mo	$150,000	$99	49
1018 22nd St	0.70mi	3/2.5	1,503 (+3%)	22mo	$165,000	$110	43

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: -28.2%
• Equity multiple: 0.06×
• Total profit: $-39,647
• Equity at exit: $22,365

10-year hold

• IRR: -26.4%
• Equity multiple: -0.28×
• Total profit: $-53,670
• 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 39581

• Home prices YoY: -10.5%
• Active inventory: 79
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,410 high
• Mortgage (P&I): −$787
• Tax from tax record: −$83 /mo · $992/yr
• Insurance: −$62
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $-244

Break-even live

Break-even rent $1,719

Max offer price $106,844

Occupancy floor —

Sensitivity live

Price	-10% $-159	-5% $-202	+0% $-244	+5% $-287	+10% $-329
Rent	-10% $-356	-5% $-300	+0% $-244	+5% $-189	+10% $-133
Rate	-1.0pp $-169	-0.5pp $-206	base $-244	+0.5pp $-283	+1.0pp $-323

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 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4610 Legare Ave Pascagoula, MS	3.0	1.0	975	$1,250	$1.28	22d	1	0.77mi
2706 Martin St Pascagoula, MS	3.0	2.0	1200	$1,600	$1.33	22d	1	0.95mi
3000 Brazil St Pascagoula, MS	1.0–3.0	1.0	695	$1,430	$2.06	15d	12	0.98mi
4315 Orchard Ave Pascagoula, MS	2.0	1.5	921	$1,267	$1.37	15d	21	1.30mi
3015 Eden St Pascagoula, MS	1.0–3.0	1.0–1.5	875	$1,430	$1.63	15d	43	1.35mi
5111 Orchard Ave Pascagoula, MS	1.0–3.0	1.0–1.5	853	$1,430	$1.68	15d	15	1.37mi
1810 12th St Pascagoula, MS	2.0	1.0	925	$1,100	$1.19	15d	1	1.50mi

Listing history 26 events

1. 2026-06-22
   days on market $150,000 Active 168 DOM
2. 2026-06-18
   days on market $150,000 Active 165 DOM
3. 2026-06-17
   days on market $150,000 Active 164 DOM
4. 2026-06-16
   days on market $150,000 Active 163 DOM
5. 2026-06-15
   days on market $150,000 Active 162 DOM
6. 2026-06-14
   days on market $150,000 Active 160 DOM
7. 2026-06-13
   days on market $150,000 Active 159 DOM
8. 2026-06-10
   days on market $150,000 Active 157 DOM
9. 2026-06-09
   days on market $150,000 Active 156 DOM
10. 2026-06-08
    days on market $150,000 Active 155 DOM
11. 2026-06-07
    days on market $150,000 Active 154 DOM
12. 2026-06-02
    days on market $150,000 Active 149 DOM
13. 2026-06-01
    days on market $150,000 Active 148 DOM
14. 2026-05-31
    days on market $150,000 Active 147 DOM
15. 2026-05-30
    days on market $150,000 Active 146 DOM
16. 2026-01-04
    listed $150,000 Active
17. 2024-06-10
    soldstatus
18. 2024-06-07
    soldstatus Closed 143-char remark

    Show marketing remark (143 chars)

    Cute 3/2 near the beach in Pascagoula! Same flooring throughout , stainless applianances, open floor plan, and a large back yard! A Must See!!!

19. 2024-04-14
    status Pending 143-char remark

    Show marketing remark (143 chars)

    Cute 3/2 near the beach in Pascagoula! Same flooring throughout , stainless applianances, open floor plan, and a large back yard! A Must See!!!

20. 2024-04-13
    listed $130,000 Active 143-char remark

    Show marketing remark (143 chars)

    Cute 3/2 near the beach in Pascagoula! Same flooring throughout , stainless applianances, open floor plan, and a large back yard! A Must See!!!

21. 2021-10-01
    historical
22. 2017-04-21
    soldstatus
23. 2017-01-27
    listed $89,000
24. 2016-10-18
    soldstatus
25. 2016-06-24
    listed $47,250
26. 2015-11-11
    listed $47,250

ⓘ 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: $992 · $83/mo
• Projected year-2 tax: $1,185 · $99/mo
• Expected delta: +$193/yr (+$16/mo · 19.5%)

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°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: $16,921
• − Mortgage interest: −$8,402
• − Property taxes: −$992
• − Insurance: −$5,868
• − Repairs & maintenance: −$1,354
• − Management: −$1,354
• − Depreciation: −$4,364
• Taxable loss: −$5,412
• Est. tax savings @ 24.0%: +$1,299
• After-tax cash flow: $-1,633/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 — Pascagoula

• Score: 70/100
• State rank: #41
• US rank: #7866

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pascagoula, MS
• County: Jackson County · 82,196 people
• City population: 21,731
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 11,390
• Household income: $37,927
• Rent vs Own: 59.2% rent · 40.8% own
• Severe rent burden: 965.0

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 0.66)
• Race & ethnicity: Black 40% White 38% Hispanic / Latino 18% Two or more races 7% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 7% Dominican 5%
• Common ancestry: Lithuanian 2% Serbian 2% Slovak 1%
• Foreign-born: 8% · Canada
• Languages at home: 82% English-only · Spanish 16% Other Indo-European 1%

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: ▼ -22.34%
• Current HPI: 191.273
• Rent YoY: —
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+217.5% since first listed

11 events — show timeline

• 2026-01-04 Listed $150,000 MLSU
• 2024-06-10 Sold (Public Records) — Public Records
• 2024-06-07 Sold (MLS) — MLSU
• 2024-04-14 Pending — MLSU
• 2024-04-13 Listed $130,000 MLSU
• 2021-10-01 Listing Removed — MLSU
• 2017-04-21 Sold (MLS) — MLSU
• 2017-01-27 Listed $89,000 MLSU
• 2016-10-18 Sold (MLS) — MLSU
• 2016-06-24 Listed $47,250 MLSU
• 2015-11-11 Listed $47,250 MLSU

Property tax history

+4.0%/yr

Latest (2025): $992 · +2591.4% YoY. Source: county tax records.