103 Bridge Hollow Ln · Canton, MS 39046

$293,000

3 bd · 4.0 ba · 1,748 sqft · SingleFamily public records · 15 Days on market

Built 2008 0.26 ac lot $168/sqft · at area comps Est $307k · at est. $50/mo HOA · 2% of rent

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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 +16.9/30.0
• ARV discount +9.6/15.0
• DSCR +5.2/10.0
• Schools +4.8/10.0
• 1% rule +3.5/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

New construction in one of Madison's hottest new neighborhoods, Clubhouse/pool. 3BR/2Ba ,dining,livingroom/FP,cul-de-sac. Builder installing washer,dryer and refrigerator

Key facts

• Wood flooring
• Quiet cul-de-sac
• Laundry room

Tags

• QUIET CUL-DE-SAC
• WOOD FLOORING
• GAS FIREPLACE
• ABUNDANCE OF CABINET SPACE
• OFFICE NOOK
• LAUNDRY ROOM

Property features AI

Finance

• HOA & community: Homeowners association with annual fee of $600; Association covers grounds maintenance and pool service; Community clubhouse and pool

Exterior

• Parking: Attached 2-car garage with garage door opener; Total 2 parking spaces
• Security: Security system; Smoke detectors
• Utilities: Public sewer; Private water service; Electricity connected; Natural gas connected; Water connected; Sewer connected
• Home design: Single-family residence (house); One story; Move-in ready
• Construction: Brick construction; Slab foundation; Architectural shingle roof
• Exterior features: Private yard; Patio; Wood fencing in back yard; Landscaped; Located on a cul-de-sac

Interior

• Kitchen: Dishwasher; Disposal; Electric range; Microwave
• Bedrooms: Includes walk-in closet(s)
• Flooring: Carpet; Tile; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (natural gas); Hot water heating; Central air; Ceiling fan(s)
• Interior features: Double vanity; Eat-in kitchen; Entrance foyer; High ceilings; Walk-in closet(s); Gas log fireplace in living room; Fireplace present
• Laundry & utility: Dedicated laundry room; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/4.0-bath single-family listed at $293k.

Deal economics

• At list price, monthly cash flow is $191 ($2k/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 $250k (14.7% below list).
• Recommended offer: $250k (14.7% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 4.2% in Canton — 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 60/100 on livability (#229 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime B+; Watch: amenities F, commute F, employment F.
• Madison County School District (rural): math 54% / reading 54% proficiency, ranked #3 of 130 in MS (top 2%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Madison Crossing Elementary (math 52% / reading 55%, grade C, #49 of 375 statewide, top 13%, 775 students, 100% FRL); Germantown Middle School (math 55% / reading 58%, grade B, #14 of 179 statewide, top 7%, 1,008 students, 100% FRL); Germantown High School (math 34% / reading 41%, grade F, #59 of 197 statewide, top 30%, 1,396 students, 100% FRL) — zoned schools average 100% FRL vs 29% district-wide (70 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 358 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 553 units permitted in Madison County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Madison County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($289k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 19y 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 $250,000 (14.7% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 0.85% ✗
• Cap rate: 7.07%
• Cash-on-cash: 2.79%
• DSCR: 1.12
• GRM: 9.8

CMA / ARV

• ARV (median comp): $307,077
• List price: $293,000
• Delta: -4.58%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
104 Bridge Hollow Ln	0.04mi	3/2.0	1,672 (-4%)	4mo	$279,000	$167	80
110 Bridge Park Dr	0.18mi	3/2.0	1,796 (+3%)	4mo	$285,000	$159	76
126 Madisonville Dr	0.48mi	3/2.0	1,725 (-1%)	3mo	$299,999	$174	65
106 Madisonville Dr	0.53mi	3/2.0	1,735 (-1%)	3mo	$294,999	$170	64
100 Trailbridge Way	0.14mi	3/2.0	1,987 (+14%)	3mo	$319,500	$161	60
110 Bailey Cv	0.72mi	4/2.0 (+1)	1,776 (+2%)	1mo	$299,999	$169	50
117 Bailey Cv	0.70mi	3/2.0	1,677 (-4%)	4mo	$299,999	$179	49
128 Madisonville Dr	0.48mi	4/2.0 (+1)	1,943 (+11%)	2mo	$304,999	$157	45
108 Madisonville Dr	0.53mi	4/2.0 (+1)	1,950 (+12%)	1mo	$304,999	$156	42
266 Chartleigh Cir	0.57mi	3/2.0	1,506 (-14%)	0mo	$290,000	$193	42
247 Hemingway Cir	0.53mi	3/2.0	1,506 (-14%)	4mo	$275,000	$183	41
104 Madisonville Dr	0.56mi	4/2.0 (+1)	1,943 (+11%)	4mo	$319,999	$165	39

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: -11.9%
• Equity multiple: 0.57×
• Total profit: $-35,450
• Equity at exit: $43,687

10-year hold

• IRR: -2.8%
• Equity multiple: 0.81×
• Total profit: $-15,687
• Equity at exit: $25,333

Cash invested: $82,040 (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 39046

• Home prices YoY: -30.1%
• Active inventory: 358
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $2,500 medium
• Mortgage (P&I): −$1,537
• Tax from tax record: −$76 /mo · $910/yr
• Insurance: −$122
• HOA: −$50
• Vacancy / Maint / Mgmt: −$525
• Net cashflow: $191

Break-even live

Break-even rent $2,259

Max offer price $293,000

Occupancy floor 87%

Sensitivity live

Price	-10% $356	-5% $274	+0% $191	+5% $108	+10% $25
Rent	-10% $-7	-5% $92	+0% $191	+5% $289	+10% $388
Rate	-1.0pp $338	-0.5pp $265	base $191	+0.5pp $115	+1.0pp $37

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: $73,250
• Closing costs: $8,790
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
125 Trailbridge Crossing Canton, MS	3.0	2.0	1750	$2,500	$1.43	14d	1	0.23mi

HOA detail

• Monthly dues: $50 · $600/yr
• Likely covers: pool

Listing history 10 events

1. 2026-06-17
   status $293,000 Pending 15 DOM
2. 2026-06-16
   days on market $293,000 Active 15 DOM
3. 2026-06-15
   days on market $293,000 Active 14 DOM
4. 2026-06-14
   days on market $293,000 Active 12 DOM
5. 2026-06-10
   pricestatusdays on market $293,000 Active 9 DOM
6. 2026-05-03
   status Pending 872-char remark
7. 2026-04-25
   listed $298,000 Active 872-char remark
8. 2008-08-20
   soldstatus
9. 2008-08-15
   soldstatus 170-char remark

   Show marketing remark (170 chars)

   New construction in one of Madison's hottest new neighborhoods, Clubhouse/pool. 3BR/2Ba ,dining,livingroom/FP,cul-de-sac. Builder installing washer,dryer and refrigerator

10. 2007-11-27
    listed $203,500 170-char remark

    Show marketing remark (170 chars)

    New construction in one of Madison's hottest new neighborhoods, Clubhouse/pool. 3BR/2Ba ,dining,livingroom/FP,cul-de-sac. Builder installing washer,dryer and refrigerator

ⓘ 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: $910 · $76/mo
• Projected year-2 tax: $2,315 · $193/mo
• Expected delta: +$1,405/yr (+$117/mo · 154.4%)

ⓘ 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 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,000
• − Mortgage interest: −$16,413
• − Property taxes: −$910
• − Insurance: −$1,465
• − Repairs & maintenance: −$2,400
• − Management: −$2,400
• − HOA: −$600
• − Depreciation: −$8,524
• Taxable loss: −$2,711
• Est. tax savings @ 24.0%: +$651
• After-tax cash flow: $2,938/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: Madison County School District
• NCES district ID: 2802790
• Math proficiency: 54% ▼ -7.00%
• Reading proficiency: 54% ▼ -7.00%
• Median HH income: $70,579
• Composite: 48.08/100
• National rank: #2188
• State rank: #3 of 130 in MS

Livability — Canton

• Score: 60/100
• State rank: #229
• US rank: #19396

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 29,160
• Population (ZIP): 29,160

Population outlook (Madison County) Hauer SSP2

• Today (2025): 122,509 people
• By 2030: 131,737 · +7.5%
• By 2040: 148,930 · +21.6%
• By 2050: 164,300 · +34.1%
• By 2075: 197,495 · +61.2%
• By 2100: 211,429 · +72.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (63%)
• Race & ethnicity: Black 63% White 31% Hispanic / Latino 4% Two or more races 2%
• Common ancestry: Italian 2% Slovak 1% Serbian 1%
• Foreign-born: 2% · Canada, China
• Languages at home: 95% English-only · Spanish 4%

Political lean MEDSL · Madison

• 2024 margin: R (+17.3) · D 40.8% · R 58.0% · Other 1.2%
• 2008→2024 swing: -1.7pp toward R · 2008: -15.6pp · 2024: -17.3pp
• All cycles: 2024: R+17.3 2020: R+11.8 2016: R+16.1 2012: R+15.7 2008: R+15.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -66.50%
• Current HPI: 154.0441
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+44.0% since first listed

8 events — show timeline

• 2026-06-17 Pending — MLSU
• 2026-06-09 Price Changed $293,000 MLSU
• 2026-06-09 Relisted — MLSU
• 2026-05-03 Pending — MLSU
• 2026-04-25 Listed $298,000 MLSU
• 2008-08-20 Sold (Public Records) — Public Records
• 2008-08-15 Sold (MLS) — MLSU
• 2007-11-27 Listed $203,500 MLSU

Property tax history

-4.7%/yr

Latest (2025): $910 · +0.0% YoY. Source: county tax records.