3424 Howze St · Moss Point, MS 39563

$29,900

3 bd · 1.0 ba · 1,052 sqft · SingleFamily public records · 47 Days on market

Built 1953 0.30 ac lot ↓ 23% since listing

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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 +15.0/30.0
• ARV discount +7.5/15.0
• Appreciation +7.3/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0

Listing remarks

Investor special with solid upside potential! This 3-bedroom, 1-bath home offers 1,052 square feet of living space and is ready for your finishing touches. Key updates have already been completed, including a newer roof and updated electrical within the past year--providing a strong foundation for your renovation plans. With the right vision, this property could make an excellent rental or profitable flip. Priced to reflect its current condition--don't miss the opportunity to add value and maximize returns. Property to be conveyed via quitclaim deed.

Key facts

• Roof updated
• Flip opportunity
• 0.3 acre lot

Tags

• ROOF UPDATED
• ELECTRICAL SYSTEM UPDATED
• GREAT RENTAL OPPORTUNITY
• FLIP OPPORTUNITY

Property features AI

Exterior

• Parking: Gravel parking
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single-family residence; House; One story; Fixer condition; Raised foundation with pillar/post/pier
• Construction: Shingle roof; Construction details: see remarks; 1,052 total building area; Year built: public records
• Exterior features: See remarks for exterior features

Interior

• Kitchen: See remarks for appliances
• Flooring: See remarks for flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: See remarks for heating; See remarks for cooling
• Interior features: See remarks for interior features

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $30k.

Deal economics

• At list price, monthly cash flow is $880 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $30k).
• Recommended offer: $29k (3.0% below list) — sets the bar for market timing.
• Cap rate 41.6% 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; 516 units permitted in Jackson County in 2024 (6 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($207 loan paydown + $1k appreciation (4.6% local appreciation)).
• At projected returns (4.6% appreciation + 3.0% rent growth), your $8k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($29k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $9k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• 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 $29,003 (3.0% below list)

Questions for the listing agent

1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 4.69% ✓
• Cap rate: 41.62%
• Cash-on-cash: 126.17%
• DSCR: 6.61
• GRM: 1.8

CMA / ARV

• ARV (on-the-fly): $98,888
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3424 Howze St	0.00mi	3/1.0	1,052 (0%)	1mo	$29,900	$28	99
3625 Rollins Ave	0.24mi	3/1.0	1,040 (-1%)	16mo	$89,900	$86	74
3718 Howze St	0.31mi	2/1.0 (-1)	962 (-9%)	0mo	$90,000	$94	66
3312 Mcnair Dr	0.32mi	3/1.5	1,200 (+14%)	0mo	$143,900	$120	59
4848 Devon St	0.47mi	2/1.0 (-1)	960 (-9%)	11mo	$103,000	$107	49
3507 Lawrence St	0.25mi	3/1.0	1,200 (+14%)	20mo	$105,000	$88	48
3536 Lawrence St	0.29mi	2/2.0 (-1)	1,160 (+10%)	21mo	$99,999	$86	43
4949 Magnolia St	0.63mi	2/1.5 (-1)	1,200 (+14%)	3mo	$125,000	$104	38
4912 Forrest St	0.65mi	4/1.5 (+1)	1,170 (+11%)	10mo	$125,000	$107	36

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: —
• Equity multiple: 8.44×
• Total profit: $62,313
• Equity at exit: $16,226

10-year hold

• IRR: —
• Equity multiple: 17.76×
• Total profit: $140,307
• Equity at exit: $27,427

Cash invested: $8,372 (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: 1.8×

Monthly cashflow live

• Estimated rent: $1,402 medium
• Mortgage (P&I): −$157
• Tax from tax record: −$58 /mo · $695/yr
• Insurance: −$12
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $880

Break-even live

Break-even rent $288

Max offer price $29,900

Occupancy floor 32%

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: $7,475
• Closing costs: $897
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-05-18
   status Pending
2. 2026-05-13
   status Active
3. 2026-05-13
   status Pending
4. 2026-05-07
   price $29,900
5. 2026-04-08
   price $38,000
6. 2026-04-08
   status Active
7. 2026-04-06
   status Pending
8. 2026-03-30
   listed $39,000 Active

ⓘ 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: $695 · $58/mo
• Projected year-2 tax: $695 · $58/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 (shaded) · 23% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 22 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: $16,822
• − Mortgage interest: −$1,675
• − Property taxes: −$695
• − Insurance: −$150
• − Repairs & maintenance: −$1,346
• − Management: −$1,346
• − Depreciation: −$870
• Taxable income: $10,741
• Est. tax owed @ 24.0%: −$2,578
• After-tax cash flow: $7,985/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

-23.3% since first listed

8 events — show timeline

• 2026-05-18 Pending — MLSU
• 2026-05-13 Relisted — MLSU
• 2026-05-13 Pending — MLSU
• 2026-05-07 Price Changed $29,900 MLSU
• 2026-04-08 Price Changed $38,000 MLSU
• 2026-04-08 Relisted — MLSU
• 2026-04-06 Pending — MLSU
• 2026-03-30 Listed $39,000 MLSU

Property tax history

+11.4%/yr

Latest (2025): $695 · +6.3% YoY. Source: county tax records.