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4809 30th St
B+ Composite 78.98
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 +30.0/30.0
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Rent growth +5.0/5.0
  • Livability +3.7/5.0
  • Schools +3.1/10.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$65,000

4809 30th St · Gulfport, MS 39501
3 bd · 1.0 ba · 915 sqft · SingleFamily public records · 86 Days on market
Built 1950 Fair condition 9,583 sqft lot $71/sqft · 39% below area Est $109k · 40% under ↓ 39% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Investor Special! Great opportunity for investors, flippers, or buyers looking to renovate and add value. This property is being sold AS IS, with no repairs by the seller. Bring your vision and transform this home into your next investment or project. Conveniently located near shopping, dining, schools, and Gulfport's amenities.

Key facts

  • 9,583 sq ft lot
  • Built 1950
  • Listed 85 days

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $65k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $437 ($5k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $65k).
  • Recommended offer: $61k (6.0% below list) — sets the bar for market timing.
  • Cap rate 14.4% vs local median 5.3% 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: Twenty Eighth St Elem (math 37% / reading 27%, grade F, #172 of 375 statewide, top 48%, 356 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); 352 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,194 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).
  • This rent runs 37% of the median local income ($35k/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 $449 of loan paydown is wiped out by about $2k 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.
  • At projected returns (-3.0% appreciation + 8.0% rent growth), your $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 86 days — a 6% lower offer ($61k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 2y ago; this cycle's ask has dropped $5k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $61,100 (6.0% below list)

Questions for the listing agent

  1. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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.
  8. 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.
  9. 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
1.67%
Cap rate
14.37%
Cash-on-cash
28.83%
DSCR
2.28
GRM
5.0

CMA / ARV

ARV (median comp)
$108,812
List price
$65,000
Delta
-40.26%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3000 50th Ave 0.11mi 2/1.0 (-1) 945 (+3%) 14mo $102,000 $108 72
4816 30th 1/2 St 0.09mi 2/1.0 (-1) 792 (-13%) 2mo $90,000 $114 67
1709 44th Ave 1.00mi 3/1.0 866 (-5%) 4mo $58,000 $67 52
2901 58th Ave 0.71mi 2/1.0 (-1) 946 (+3%) 11mo $89,900 $95 47
1816 43rd Ave 1.01mi 3/2.0 996 (+9%) 5mo $69,900 $70 42
4214 31st St 0.39mi 2/1.0 (-1) 1,073 (+17%) 14mo $112,000 $104 40
1900 43rd Ave 0.95mi 3/1.0 972 (+6%) 18mo $58,000 $60 40
3702 Reynosa Dr 0.97mi 3/2.0 1,066 (+16%) 2mo $132,000 $124 34
3617 22nd St 1.00mi 3/1.0 1,051 (+15%) 13mo $74,900 $71 29
4011 Sierra Dr 0.80mi 3/1.0 1,040 (+14%) 17mo $95,000 $91 28
3918 Monterey Dr 0.76mi 3/1.5 1,075 (+18%) 14mo $102,000 $95 26
1709 45th Ave 0.98mi 3/1.0 760 (-17%) 18mo $99,000 $130 25

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
28.5%
Equity multiple
2.27×
Total profit
$23,057
Equity at exit
$9,692
10-year hold
IRR
38.7%
Equity multiple
5.51×
Total profit
$82,050
Equity at exit
$5,620

Cash invested: $18,200 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
7 active · 6 under contract
Months of supply
6.0 mo (17%/mo absorbed)
Median asking
$70,000 ($84/sqft)
Median days on market
134 d
This list price
14% of active listings are priced below it
ARV vs active asking
+42.0% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 39501

Home prices YoY
-34.5%
Rents YoY
10.5%
Active inventory
352
Price-to-rent
5.0×

Monthly cashflow live

Estimated rent
$1,086 high interval (Pro) →
Mortgage (P&I)
$341
Tax from tax record
$52 /mo · $628/yr
Insurance
$27
HOA
$0
Vacancy / Maint / Mgmt
$228
Net cashflow
$437

Break-even live

Break-even rent $532
Max offer price $65,000
Occupancy floor 55%

Sensitivity live

Price -10% $474 -5% $456 +0% $437 +5% $419 +10% $401
Rent -10% $352 -5% $394 +0% $437 +5% $480 +10% $523
Rate -1.0pp $470 -0.5pp $454 base $437 +0.5pp $420 +1.0pp $403

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
$16,250
Closing costs
$1,950
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 13 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3008 50th Ave Gulfport, MS 3.0 2.0 1054 $950 $0.90 0d 1 0.13mi
2810 53rd Ave Gulfport, MS 3.0 2.0 1000 $1,100 $1.10 0d 1 0.36mi
3407 53rd Ave Gulfport, MS 2.0 1.0 800 $825 $1.03 0d 1 0.59mi
3401 54th Ave Gulfport, MS 2.0 1.0 767 $895 $1.17 109d 1 0.59mi
3401 54th Ave Gulfport, MS 2.0 1.0 767 $895 $1.17 0d 1 0.59mi
3634 Reynosa Dr Gulfport, MS 3.0 1.5 1116 $1,100 $0.99 0d 1 0.93mi
2414 34th Ave Gulfport, MS 2.0 1.0 912 $1,125 $1.23 116d 1 1.07mi
1529 43rd Ave Gulfport, MS 2.0 1.5 900 $875 $0.97 6d 1 1.13mi
3502 20th St Gulfport, MS 2.0 1.0 621 $995 $1.60 116d 1 1.16mi
1620 Terrace Dr Gulfport, MS 2.0 1.0 768 $1,200 $1.56 6d 1 1.25mi
3633 Southward Dr Gulfport, MS 2.0 2.0 900 $1,000 $1.11 139d 1 1.36mi
1221 42nd Ave Gulfport, MS 3.0 1.0 1000 $1,400 $1.40 139d 1 1.42mi
1513 34th Ave Gulfport, MS 2.0 2.0 884 $1,225 $1.39 6d 1 1.48mi

Property features AI

Finance

Other
Living area reported as 932 (source: public records)Zoned for single-family residential

Exterior

Parking
Driveway
Security
Smoke detectors
Utilities
Public waterPublic sewerElectricity connectedCable availableSewer connectedWater connected
Home design
Single-family residence (house)One storyEntry level information not specifiedFacing direction not specified
Construction
Siding exteriorPillar/post/pier foundationMetal roofBuilt year available from public records
Exterior features
Front porchCity lotLot approximately 70' x 140'

Interior

Kitchen
Refrigerator
Flooring
Ceramic tileVinyl
Bathrooms
1 full bathroom
Heating & cooling
Central heating (electric)Central air (electric)Ceiling fan cooling
Interior features
Ceiling fansDeadbolt locksAluminum-framed windows

Listing history 50 events

  1. 2026-09-24
    days on market $65,000 Active 86 DOM
  2. 2026-09-22
    days on market $65,000 Active 85 DOM
  3. 2026-09-21
    days on market $65,000 Active 84 DOM
  4. 2026-09-20
    days on market $65,000 Active 83 DOM
  5. 2026-09-18
    days on market $65,000 Active 81 DOM
  6. 2026-09-17
    days on market $65,000 Active 80 DOM
  7. 2026-09-16
    days on market $65,000 Active 79 DOM
  8. 2026-09-15
    days on market $65,000 Active 78 DOM
  9. 2026-09-14
    days on market $65,000 Active 77 DOM
  10. 2026-09-13
    days on market $65,000 Active 76 DOM
  11. 2026-09-12
    days on market $65,000 Active 75 DOM
  12. 2026-09-11
    pricedays on market $65,000 Active 74 DOM
  13. 2026-09-05
    days on market $69,900 Active 68 DOM
  14. 2026-09-04
    days on market $69,900 Active 67 DOM
  15. 2026-09-03
    days on market $69,900 Active 66 DOM
  16. 2026-08-31
    days on market $69,900 Active 63 DOM
  17. 2026-08-30
    days on market $69,900 Active 62 DOM
  18. 2026-08-29
    days on market $69,900 Active 61 DOM
  19. 2026-08-28
    days on market $69,900 Active 60 DOM
  20. 2026-08-27
    days on market $69,900 Active 59 DOM
  21. 2026-08-25
    days on market $69,900 Active 57 DOM
  22. 2026-08-24
    days on market $69,900 Active 56 DOM
  23. 2026-08-23
    days on market $69,900 Active 55 DOM
  24. 2026-08-22
    days on market $69,900 Active 54 DOM
  25. 2026-08-21
    days on market $69,900 Active 53 DOM
  26. 2026-08-20
    days on market $69,900 Active 52 DOM
  27. 2026-08-19
    days on market $69,900 Active 51 DOM
  28. 2026-08-18
    days on market $69,900 Active 50 DOM
  29. 2026-08-17
    days on market $69,900 Active 49 DOM
  30. 2026-08-16
    days on market $69,900 Active 48 DOM
  31. 2026-08-15
    days on market $69,900 Active 47 DOM
  32. 2026-08-14
    days on market $69,900 Active 46 DOM
  33. 2026-08-13
    days on market $69,900 Active 45 DOM
  34. 2026-08-12
    days on market $69,900 Active 44 DOM
  35. 2026-08-11
    days on market $69,900 Active 43 DOM
  36. 2026-08-10
    days on market $69,900 Active 42 DOM
  37. 2026-08-09
    days on market $69,900 Active 41 DOM
  38. 2026-08-08
    days on market $69,900 Active 40 DOM
  39. 2026-08-07
    days on market $69,900 Active 39 DOM
  40. 2026-08-06
    days on market $69,900 Active 38 DOM
  41. 2026-08-05
    days on market $69,900 Active 37 DOM
  42. 2026-08-04
    days on market $69,900 Active 36 DOM
  43. 2026-08-03
    days on market $69,900 Active 35 DOM
  44. 2026-07-31
    days on market $69,900 Active 32 DOM
  45. 2026-07-30
    days on market $69,900 Active 31 DOM
  46. 2026-07-29
    days on market $69,900 Active 30 DOM
  47. 2026-07-27
    days on market $69,900 Active 28 DOM
  48. 2026-07-25
    days on market $69,900 Active 26 DOM
  49. 2026-07-24
    days on market $69,900 Active 25 DOM
  50. 2026-07-23
    days on market $69,900 Active 24 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
$628 · $52/mo
Projected year-2 tax
$628 · $52/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$13,027
− Mortgage interest
−$3,641
− Property taxes
−$628
− Insurance
−$325
− Repairs & maintenance
−$1,042
− Management
−$1,042
− Depreciation
−$1,891
Taxable income
$4,458
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,070
After-tax cash flow
$4,178/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.

Condition & rehab AI · 9 photos

Fair 45/100 Moderate rehab Est. rehab $22,875–$41,175 screening

This property requires moderate renovations to improve its condition and increase its value. Key areas for improvement include the kitchen, bath, and exterior. Painting, updating cabinets, and re-roofing are high-impact updates that would significantly enhance its resale and rental value.

Deferred maintenance Est. $50,000–$150,000 screening

  • Major Roof (roof) — The roof appears to be missing or damaged, indicating a major issue that needs immediate attention.
  • Major Windows (windows) — The windows appear to be in poor condition, with visible damage or missing parts, indicating a major issue that needs immediate attention.
  • Major Electrical (electrical) — The electrical system appears to be in poor condition, with visible damage or missing parts, indicating a major issue that needs immediate attention.
  • Major Plumbing (plumbing) — The plumbing system appears to be in poor condition, with visible damage or missing parts, indicating a major issue that needs immediate attention.
  • Major Exterior (exterior) — The exterior of the house appears to be in poor condition, with visible damage or missing parts, indicating a major issue that needs immediate attention.

Repairs flagged

  • Major Exposed wiring in kitchen — Safety hazard
  • Major Missing appliances in kitchen — Functionality compromised
  • Major Cabinets in poor condition in kitchen — Aesthetic and functionality issues
  • Major Tiled walls and floor in poor condition in bath — Aesthetic and functionality issues
  • Major Missing fixtures in bath — Functionality compromised
  • Moderate Siding weathered and missing in exterior — Aesthetic and potential structural issues

Value-add opportunities

  • Both Painting and updating kitchen cabinets — Improves aesthetics and functionality
  • Both Replacing missing appliances in kitchen — Restores functionality and improves aesthetics
  • Both Re-roofing — Improves aesthetics and potential structural issues
  • Both Landscaping and curb appeal improvements — Enhances curb appeal and property value

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 31/100

Zoned Schools

Elementary Twenty Eighth St Elem F MS #172/375 Nat'l #24,950/41,679 Middle Gulfport Central Middle School F MS #109/179 Nat'l #11,382/14,009 High Gulfport High School F MS #54/197 Nat'l #8,724/17,239

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
B Composite livability gradescore 73/100

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 · 228,444 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
21% of renters

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

Price history

-39.2% since first listed
7 events — show timeline
  • 2026-06-29 Listed $69,900 MLSU
  • 2024-11-26 Listing Removed MLSU
  • 2024-11-14 Relisted MLSU
  • 2024-11-03 Pending MLSU
  • 2024-10-24 Price Changed $65,000 MLSU
  • 2024-05-25 Listed $115,000 MLSU
  • 2023-05-05 Sold (Public Records) Public Records

Property tax history

+1.6%/yr

Latest (2025): $628 · +3.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…