3718 Howze St · Moss Point, MS 39563

$90,000

2 bd · 1.0 ba · 962 sqft · SingleFamily public records · 143 Days on market

Built 2016 9,147 sqft lot Est $90k · at est.

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Why this score? — see what drove the B 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 +29.5/30.0
• DSCR +10.0/10.0
• 1% rule +8.4/10.0
• ARV discount +7.7/15.0
• 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 MLS

Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

Key facts

• 9,147 sq ft lot
• Built 2016
• Listed 143 days

Tags

• WASHER AND DRYER HOOKUPS
• SPACIOUS FRONT AND BACKYARD
• TENNIS COURT ACROSS THE STREET

Property features AI

Exterior

• Parking: Driveway (unpaved)
• Utilities: Public water; Public sewer; Electricity available; Cable available
• Home design: Single-family residence; House; One level
• Construction: Vinyl exterior
• Exterior features: Shingle roof; Raised foundation

Interior

• Kitchen: Oven
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Oven; Tile flooring

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $254 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $79k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.6% 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 $5k of equity ($622 loan paydown + $4k appreciation (4.6% local appreciation)).
• At projected returns (4.6% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 143 days — a 12% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 13y ago; this cycle's ask has dropped $20k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; 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 $79,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 143 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.34% ✓
• Cap rate: 10.57%
• Cash-on-cash: 15.28%
• DSCR: 1.68
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $90,428
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3718 Howze St	0.00mi	2/1.0	962 (0%)	0mo	$90,000	$94	100
3424 Howze St	0.31mi	3/1.0 (+1)	1,052 (+9%)	1mo	$29,900	$28	64
3625 Rollins Ave	0.14mi	3/1.0 (+1)	1,040 (+8%)	16mo	$89,900	$86	62
4848 Devon St	0.67mi	2/1.0	960 (-0%)	11mo	$103,000	$107	59

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: 22.5%
• Equity multiple: 2.39×
• Total profit: $34,986
• Equity at exit: $48,841

10-year hold

• IRR: 22.2%
• Equity multiple: 4.69×
• Total profit: $92,894
• Equity at exit: $82,558

Cash invested: $25,200 (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: 6.2×

Monthly cashflow live

• Estimated rent: $1,205 medium
• Mortgage (P&I): −$472
• Tax from tax record: −$122 /mo · $1,459/yr
• Insurance: −$38
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$253
• Net cashflow: $254

Break-even live

Break-even rent $883

Max offer price $90,000

Occupancy floor 74%

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: $22,500
• Closing costs: $2,700
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-07
   statusdays on market $90,000 Pending 143 DOM
2. 2026-06-02
   days on market $90,000 Active 141 DOM
3. 2026-06-01
   days on market $90,000 Active 140 DOM
4. 2026-05-31
   days on market $90,000 Active 139 DOM
5. 2026-05-30
   days on market $90,000 Active 138 DOM
6. 2026-05-13
   status Active 785-char remark

   Show marketing remark (785 chars)

   Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

7. 2026-05-13
   status Active

   Show marketing remark (785 chars)

   Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

8. 2026-04-20
   status Pending

   Show marketing remark (785 chars)

   Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

9. 2026-04-20
   status Pending 785-char remark

   Show marketing remark (785 chars)

   Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

10. 2026-04-07
    price $90,000 785-char remark

    Show marketing remark (785 chars)

    Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

11. 2026-04-07
    price $90,000

    Show marketing remark (785 chars)

    Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

12. 2026-03-05
    price $103,900 785-char remark

    Show marketing remark (785 chars)

    Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

13. 2026-03-05
    price $103,900

    Show marketing remark (785 chars)

    Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

14. 2026-02-09
    price $105,900
15. 2026-02-08
    price $105,900 785-char remark

    Show marketing remark (785 chars)

    Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

16. 2025-12-20
    listed $110,000 Active 785-char remark

    Show marketing remark (785 chars)

    Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

17. 2025-12-20
    listed $110,000 Active

    Show marketing remark (785 chars)

    Investor special in Moss Point! This 2-bedroom, 1-bath home offers excellent potential for investors, flippers, or buyers looking to add to their rental portfolio. Situated on a 0.21-acre lot, the property features spacious rooms, generously sized closets, washer and dryer hookups, and all appliances will remain with the sale. The large front and backyard provide additional outdoor space, with a tennis court conveniently located directly across the street. Property is located within walking distance to Moss Point-Escatawpa Upper Elementary School, Magnolia Junior High School, and Moss Point High School. With updates and improvements, this property could make a great investment or income-producing opportunity. Property is being sold AS-IS. Cash or conventional financing only.

18. 2014-03-11
    soldstatus 244-char remark

    Show marketing remark (244 chars)

    REDUCED! No need to worry about flooding here, This 2BR/1BTH elevated home is ready to be finished out, Interior is studs only with some rough in plumbing completed, Located on a nice shady lot, Call Matt Parker @ 228-990-6174 for more details.

19. 2013-06-10
    listed $19,900 244-char remark

    Show marketing remark (244 chars)

    REDUCED! No need to worry about flooding here, This 2BR/1BTH elevated home is ready to be finished out, Interior is studs only with some rough in plumbing completed, Located on a nice shady lot, Call Matt Parker @ 228-990-6174 for more details.

ⓘ 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: $1,459 · $122/mo
• Projected year-2 tax: $1,459 · $122/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 7/10 Severe FEMA zone X (shaded) · 73% 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 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,461
• − Mortgage interest: −$5,041
• − Property taxes: −$1,459
• − Insurance: −$1,248
• − Repairs & maintenance: −$1,157
• − Management: −$1,157
• − Depreciation: −$2,618
• Taxable income: $1,781
• Est. tax owed @ 24.0%: −$427
• After-tax cash flow: $2,626/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

+352.3% since first listed

14 events — show timeline

• 2026-05-13 Relisted — HAAR
• 2026-05-13 Relisted — MLSU
• 2026-04-20 Pending — MLSU
• 2026-04-20 Pending — HAAR
• 2026-04-07 Price Changed $90,000 HAAR
• 2026-04-07 Price Changed $90,000 MLSU
• 2026-03-05 Price Changed $103,900 HAAR
• 2026-03-05 Price Changed $103,900 MLSU
• 2026-02-09 Price Changed $105,900 MLSU
• 2026-02-08 Price Changed $105,900 HAAR
• 2025-12-20 Listed $110,000 HAAR
• 2025-12-20 Listed $110,000 MLSU
• 2014-03-11 Sold (MLS) — MLSU
• 2013-06-10 Listed $19,900 MLSU

Property tax history

+50.4%/yr

Latest (2025): $1,459 · +3.2% YoY. Source: county tax records.