4809 30th St · Gulfport, MS
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $1,241 – $2,305
Heat risk 10/10 · Severe
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
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.
Questions for the listing agent
- 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?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- IRR
- 28.5%
- Equity multiple
- 2.27×
- Total profit
- $23,057
- Equity at exit
- $9,692
- 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
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
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$228
- Net cashflow
- $437
Break-even live
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
- Club membership (one-time)
- —
- 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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-09-24days on market $65,000 Active 86 DOM
-
2026-09-22days on market $65,000 Active 85 DOM
-
2026-09-21days on market $65,000 Active 84 DOM
-
2026-09-20days on market $65,000 Active 83 DOM
-
2026-09-18days on market $65,000 Active 81 DOM
-
2026-09-17days on market $65,000 Active 80 DOM
-
2026-09-16days on market $65,000 Active 79 DOM
-
2026-09-15days on market $65,000 Active 78 DOM
-
2026-09-14days on market $65,000 Active 77 DOM
-
2026-09-13days on market $65,000 Active 76 DOM
-
2026-09-12days on market $65,000 Active 75 DOM
-
2026-09-11pricedays on market $65,000 Active 74 DOM
-
2026-09-05days on market $69,900 Active 68 DOM
-
2026-09-04days on market $69,900 Active 67 DOM
-
2026-09-03days on market $69,900 Active 66 DOM
-
2026-08-31days on market $69,900 Active 63 DOM
-
2026-08-30days on market $69,900 Active 62 DOM
-
2026-08-29days on market $69,900 Active 61 DOM
-
2026-08-28days on market $69,900 Active 60 DOM
-
2026-08-27days on market $69,900 Active 59 DOM
-
2026-08-25days on market $69,900 Active 57 DOM
-
2026-08-24days on market $69,900 Active 56 DOM
-
2026-08-23days on market $69,900 Active 55 DOM
-
2026-08-22days on market $69,900 Active 54 DOM
-
2026-08-21days on market $69,900 Active 53 DOM
-
2026-08-20days on market $69,900 Active 52 DOM
-
2026-08-19days on market $69,900 Active 51 DOM
-
2026-08-18days on market $69,900 Active 50 DOM
-
2026-08-17days on market $69,900 Active 49 DOM
-
2026-08-16days on market $69,900 Active 48 DOM
-
2026-08-15days on market $69,900 Active 47 DOM
-
2026-08-14days on market $69,900 Active 46 DOM
-
2026-08-13days on market $69,900 Active 45 DOM
-
2026-08-12days on market $69,900 Active 44 DOM
-
2026-08-11days on market $69,900 Active 43 DOM
-
2026-08-10days on market $69,900 Active 42 DOM
-
2026-08-09days on market $69,900 Active 41 DOM
-
2026-08-08days on market $69,900 Active 40 DOM
-
2026-08-07days on market $69,900 Active 39 DOM
-
2026-08-06days on market $69,900 Active 38 DOM
-
2026-08-05days on market $69,900 Active 37 DOM
-
2026-08-04days on market $69,900 Active 36 DOM
-
2026-08-03days on market $69,900 Active 35 DOM
-
2026-07-31days on market $69,900 Active 32 DOM
-
2026-07-30days on market $69,900 Active 31 DOM
-
2026-07-29days on market $69,900 Active 30 DOM
-
2026-07-27days on market $69,900 Active 28 DOM
-
2026-07-25days on market $69,900 Active 26 DOM
-
2026-07-24days on market $69,900 Active 25 DOM
-
2026-07-23days 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
- 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
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.
Zoned Schools
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
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
- 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
- —
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
-39.2% since first listed7 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%/yrLatest (2025): $628 · +3.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…