3214 14th St · Gulfport, MS 39501

$179,900

4 bd · 1.5 ba · 1,683 sqft · SingleFamily public records · 15 Days on market

Built 1950 5,227 sqft lot Est $126k · 43% over

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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 +14.3/30.0
• Rent growth +5.0/5.0
• DSCR +4.3/10.0
• Livability +3.7/5.0
• Schools +3.4/10.0
• 1% rule +3.1/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Just 4 blocks from the beach, this charming cottage is full of potential and is ready for its next chapter! Features include: 4 bedrooms/1.5 baths, fenced yard, detached shed/workshop, and carport. With a prime location near the beach, dining and local attractions, this property has endless possibilities to make it your own! Whether you are looking for a primary residence, a vacation getaway, an investment property or renovation project, this fixer-upper offers a rare opportunity to create something special, Being sold as-is. Don't wait!

Key facts

• Fenced yard
• Prime location
• Detached shed

Tags

• FENCED YARD
• DETACHED SHED
• PRIME LOCATION
• FIXER-UPPER

Property features AI

Finance

• HOA & community: Community features: boating, fishing, near entertainment, restaurants

Exterior

• Parking: Carport (1 space); Gravel parking
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Sewer connected; Water connected
• Home design: Single-family residence; One and one-half story; Fixer condition
• Construction: Asbestos siding; Siding construction; Metal roof; Chainwall foundation; Built (year per public records)
• Exterior features: Private yard; Full fenced yard with gate; Shed(s)

Interior

• Kitchen: Dishwasher; Free-standing refrigerator; Oven
• Flooring: Carpet; Concrete; Vinyl
• Bathrooms: 1 full bathroom; 1 half bathroom (1.5 total)
• Heating & cooling: Central heating (natural gas); Central air conditioning; Ceiling fans; Electric cooling
• Interior features: Dishwasher; Free-standing refrigerator; Oven; Washer and dryer included; In-kitchen laundry; Carpet flooring; Concrete flooring; Vinyl flooring
• Laundry & utility: Washer and dryer included; Laundry located in the kitchen

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $32 ($385/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 $146k (18.6% below list).
• Recommended offer: $146k (18.6% below list) — sets the bar for 1% rule.
• Cap rate 6.5% 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: amenities F, commute F, employment F.
• Gulfport School District (urban): math 41% / reading 42% proficiency, ranked #37 of 130 in MS (top 28%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: West Elementary School (math 24% / reading 33%, grade F, #195 of 375 statewide, top 52%, 523 students, 100% FRL); Gulfport Central Middle School (math 20% / reading 23%, grade F, #109 of 179 statewide, top 62%, 585 students, 100% FRL); Gulfport High School (math 42% / reading 36%, grade F, #54 of 197 statewide, top 28%, 1,728 students, 100% FRL) — zoned schools average 100% FRL vs 67% district-wide (33 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+10.5%/yr); 254 active listings in the ZIP; 8 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; 2,194 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).
• At $1,464/mo this rent would consume 51% of the median local household income ($35k/yr) (locally 1516% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($177k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• 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 $146,384 (18.6% below list)

Questions for the listing agent

1. Built in 1950 — 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. 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: 0.81% ✗
• Cap rate: 6.51%
• Cash-on-cash: 0.76%
• DSCR: 1.03
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $126,225
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1611 Eastward Dr	0.21mi	3/2.0 (-1)	1,700 (+1%)	2mo	$59,500	$35	80
1710 Eastward Dr	0.26mi	5/2.0 (+1)	1,655 (-2%)	11mo	$84,000	$51	69
817 39th Ave	0.59mi	4/2.0	1,697 (+1%)	2mo	$230,000	$136	67
3321 14th St	0.08mi	3/2.0 (-1)	1,773 (+5%)	19mo	$225,000	$127	64
3811 16th St	0.43mi	3/2.0 (-1)	1,717 (+2%)	11mo	$125,000	$73	60
1225 32nd Ave	0.10mi	3/2.0 (-1)	1,500 (-11%)	12mo	$275,000	$183	60
3621 Southward Dr	0.31mi	4/2.0	1,827 (+9%)	13mo	$73,000	$40	58
1715 Terrace Dr	0.47mi	4/2.0	1,546 (-8%)	8mo	$143,900	$93	56
2002 35th Ave	0.48mi	3/2.5 (-1)	1,591 (-6%)	7mo	$99,000	$62	54
3901 16th St	0.49mi	3/2.0 (-1)	1,746 (+4%)	15mo	$60,000	$34	52
2113 30th Ave	0.56mi	3/1.0 (-1)	1,539 (-9%)	8mo	$115,000	$75	46
1313 42nd Ave	0.64mi	3/2.0 (-1)	1,433 (-15%)	18mo	$120,000	$84	23

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -10.1%
• Equity multiple: 0.61×
• Total profit: $-19,424
• Equity at exit: $26,824

10-year hold

• IRR: 4.7%
• Equity multiple: 1.41×
• Total profit: $20,718
• Equity at exit: $15,554

Cash invested: $50,372 (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 39501

• Home prices YoY: -34.5%
• Rents YoY: 10.5%
• Active inventory: 254
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,464 high
• Mortgage (P&I): −$943
• Tax from tax record: −$106 /mo · $1,272/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $32

Break-even live

Break-even rent $1,423

Max offer price $179,900

Occupancy floor 93%

Sensitivity live

Price	-10% $134	-5% $83	+0% $32	+5% $-19	+10% $-70
Rent	-10% $-84	-5% $-26	+0% $32	+5% $90	+10% $148
Rate	-1.0pp $123	-0.5pp $78	base $32	+0.5pp $-15	+1.0pp $-62

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: $44,975
• Closing costs: $5,397
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1106 32nd Ave Gulfport, MS	3.0	2.0	1200	$1,300	$1.08	45d	1	0.19mi
2068 W Beach Blvd Biloxi, MS	1.0–3.0	1.0–2.0	998	$1,700	$1.70	15d	1	0.48mi
2113 33rd Ave Gulfport, MS	5.0	2.0	1531	$1,300	$0.85	46d	1	0.57mi
4319 Lewis St Gulfport, MS	3.0	2.0	1371	$1,649	$1.20	15d	1	0.95mi
1129 Woodward Ave Gulfport, MS	3.0	1.0	1719	$1,300	$0.76	15d	1	1.11mi
1605 20th St Gulfport, MS	3.0	3.0	1350	$1,095	$0.81	45d	1	1.33mi
1412 Jo Ellen Cir Gulfport, MS	3.0	1.5	1275	$1,050	$0.82	15d	1	1.42mi
1206 Beach Ave Gulfport, MS	3.0	2.0	1076	$1,500	$1.39	15d	1	1.43mi

Listing history 12 events

1. 2026-06-22
   days on market $179,900 Active 15 DOM
2. 2026-06-18
   days on market $179,900 Active 12 DOM
3. 2026-06-17
   days on market $179,900 Active 11 DOM
4. 2026-06-16
   days on market $179,900 Active 10 DOM
5. 2026-06-15
   days on market $179,900 Active 9 DOM
6. 2026-06-14
   days on market $179,900 Active 7 DOM
7. 2026-06-13
   days on market $179,900 Active 6 DOM
8. 2026-06-10
   days on market $179,900 Active 4 DOM
9. 2026-06-09
   days on market $179,900 Active 3 DOM
10. 2026-06-08
    days on market $179,900 Active 2 DOM
11. 2026-06-07
    remarks 548-char remark
12. 2026-06-07
    listed $179,900 Active 1 DOM

ⓘ 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: $1,272 · $106/mo
• Projected year-2 tax: $1,421 · $118/mo
• Expected delta: +$149/yr (+$12/mo · 11.7%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°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: $17,566
• − Mortgage interest: −$10,077
• − Property taxes: −$1,272
• − Insurance: −$900
• − Repairs & maintenance: −$1,405
• − Management: −$1,405
• − Depreciation: −$5,233
• Taxable loss: −$2,727
• Est. tax savings @ 24.0%: +$654
• After-tax cash flow: $1,039/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: Gulfport School District
• NCES district ID: 2801710
• Math proficiency: 41% ▼ -15.00%
• Reading proficiency: 42% ▼ -6.00%
• Median HH income: $35,712
• Composite: 34.38/100
• National rank: #5213
• State rank: #37 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): 22,565
• Household income: $34,758
• Rent vs Own: 60.3% rent · 39.7% own
• Severe rent burden: 1516.0

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 0.56)
• Race & ethnicity: Black 59% White 29% Two or more races 7% Hispanic / Latino 5%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Lithuanian 2% Serbian 1% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 4%

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: ▼ -110.16%
• Current HPI: 208.998
• Rent YoY: ▲ 10.49%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-06-05 Listed $179,900 MLSU

Property tax history

+3.9%/yr

Latest (2025): $1,272 · +3.9% YoY. Source: county tax records.