1110 Century Oaks Dr Unit A · Gulfport, MS 39507

$199,000

3 bd · 3.0 ba · 1,158 sqft · Townhouse · 640 Days on market

Built 2007 Good condition 3.62 ac lot $172/sqft · 20% below area Est $250k · 20% under $150/mo HOA · 8% of rent

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Why this score? — see what drove the C- 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).

• ARV discount +15.0/15.0
• Cash flow +12.5/30.0
• 1% rule +4.5/10.0
• Condition / age +3.8/5.0
• DSCR +3.7/10.0
• Livability +3.7/5.0
• Rent growth +3.6/5.0
• Schools +3.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This lovely, move-in ready, completely furnished townhome is ready for its new family! This home is walking distance to the beach and securely tucked away in a private, gated community with a pool! One bedroom and full bath are on the ground floor level, while the other 2 bedrooms - each with their own private bath - are on the 2nd level. Call today for your private showing!

Key facts

• Walkable to beach
• $150 HOA
• Pool

Tags

• PRIVATE GATED COMMUNITY
• WALKABLE TO BEACH

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath townhouse listed at $199k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-30 ($-359/yr) — negative.
• To cash-flow at today's rent, offer at most $195k (2.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $189k (4.9% below list).
• Recommended offer: $175k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.1% vs local median 4.9% in Gulfport — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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: schools D, amenities F, commute 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.
• Market conditions: Rents rising fast (+4.3%/yr); 301 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,194 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).
• This rent runs 42% of the median local income ($55k/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 $1k of loan paydown is wiped out by about $6k 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 640 days — a 12% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y ago; this cycle's ask is 10105% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• 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 $175,120 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 640 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 0.95% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.64%
• DSCR: 0.97
• GRM: 8.8

CMA / ARV

• ARV (median comp): $249,781
• List price: $199,000
• Delta: -20.33%
• 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
1181 Century Oaks Dr Unit B	0.02mi	3/3.0	1,156 (-0%)	3mo	$220,000	$190	96
1121 Century Oaks Dr Unit C	0.02mi	3/3.0	1,314 (+14%)	1mo	$189,000	$144	76
1200 Beach Dr #503	0.21mi	2/2.0 (-1)	1,277 (+10%)	2mo	$299,000	$234	63
1200 Beach Dr #401	0.21mi	2/2.0 (-1)	1,248 (+8%)	8mo	$300,000	$240	62
1200 Beach Dr #801	0.21mi	2/2.0 (-1)	1,248 (+8%)	8mo	$349,500	$280	62
1225 Century Oaks Dr Unit C	0.04mi	3/3.0	1,327 (+15%)	15mo	$229,900	$173	61
1200 Beach Dr #202	0.21mi	2/2.0 (-1)	1,277 (+10%)	8mo	$259,000	$203	57
1200 Beach Dr #1101	0.21mi	2/2.0 (-1)	1,248 (+8%)	20mo	$349,500	$280	52
1200 Beach Dr #501	0.21mi	2/2.0 (-1)	1,248 (+8%)	20mo	$324,500	$260	51
137 Markham Dr Unit C	0.35mi	3/2.0	1,287 (+11%)	19mo	$231,900	$180	46
1200 Beach Dr #1103	0.21mi	2/2.0 (-1)	1,277 (+10%)	23mo	$355,000	$278	45
14 Independence Dr #14	0.52mi	2/1.5 (-1)	1,311 (+13%)	1mo	$165,000	$126	42

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 · 4.26% rent growth · sell at horizon

5-year hold

• IRR: -15.7%
• Equity multiple: 0.43×
• Total profit: $-31,602
• Equity at exit: $29,672

10-year hold

• IRR: -5.0%
• Equity multiple: 0.65×
• Total profit: $-19,252
• Equity at exit: $17,206

Cash invested: $55,720 (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 39507

• Home prices YoY: -27.1%
• Rents YoY: 4.3%
• Active inventory: 301
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,893 high
• Mortgage (P&I): −$1,044
• Tax est. 1.5%: −$249 /mo · $2,985/yr
• Insurance: −$83
• HOA: −$150
• Vacancy / Maint / Mgmt: −$397
• Net cashflow: $-30

Break-even live

Break-even rent $1,931

Max offer price $194,671

Occupancy floor 97%

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1131 Century Oaks Dr Gulfport, MS	3.0	3.0	1156	$1,800	$1.56	43d	1	0.03mi
1101 Century Oaks Dr Gulfport, MS	3.0	3.0	1330	$1,700	$1.28	43d	1	0.05mi
1229 Century Oaks Dr Gulfport, MS	3.0	3.0	1200	$2,600	$2.17	21d	1	0.05mi
1100 Century Oaks Dr Unit A Gulfport, MS	3.0	3.0	1156	$2,200	$1.90	43d	1	0.06mi
1270 Century Oaks Dr Gulfport, MS	3.0	3.0	1158	$1,950	$1.68	43d	1	0.07mi
986 Waterford Ln Gulfport, MS	3.0	1.5	1000	$1,650	$1.65	43d	1	0.08mi
229 Milray Ln Gulfport, MS	2.0	2.5	889	$1,795	$2.02	21d	1	0.08mi
1276 Century Oaks Dr Gulfport, MS	3.0	3.0	1283	$2,100	$1.64	43d	1	0.09mi
696 Hunters Glen Ln Gulfport, MS	3.0	1.5	1000	$1,800	$1.80	21d	1	0.17mi
477 Tegarden Rd Unit D Gulfport, MS	3.0	2.0	1300	$1,300	$1.00	13d	1	0.53mi
1525 E Pass Rd Gulfport, MS	1.0–3.0	1.0–2.0	1070	$1,519	$1.42	21d	1	0.97mi
1114 Washington Ave Gulfport, MS	3.0	2.0	1200	$1,350	$1.12	21d	1	1.15mi
980 Courthouse Rd Unit 1605 Gulfport, MS	2.0	2.0	1227	$1,355	$1.10	21d	1	1.27mi
3503 Hancock Ave Gulfport, MS	2.0	2.5	1100	$1,100	$1.00	21d	1	1.30mi
200 Commerce St Gulfport, MS	2.0	1.0	900	$1,100	$1.22	21d	1	1.41mi
124 30th 1/2 St Gulfport, MS	2.0	1.5	1007	$1,100	$1.09	43d	1	1.45mi
1400 Mill Rd Gulfport, MS	2.0	2.5	1290	$2,550	$1.98	43d	1	1.45mi
1339 Foxwood Pl Gulfport, MS	3.0	2.0	1100	$1,375	$1.25	43d	1	1.49mi

HOA detail

• Monthly dues: $150 · $1,800/yr
• Likely covers: poolsecurity

Listing history 29 events

1. 2026-06-18
   days on market $199,000 Active 640 DOM
2. 2026-06-17
   days on market $199,000 Active 639 DOM
3. 2026-06-16
   days on market $199,000 Active 638 DOM
4. 2026-06-15
   days on market $199,000 Active 637 DOM
5. 2026-06-14
   days on market $199,000 Active 635 DOM
6. 2026-06-13
   days on market $199,000 Active 634 DOM
7. 2026-06-10
   days on market $199,000 Active 632 DOM
8. 2026-06-09
   days on market $199,000 Active 631 DOM
9. 2026-06-08
   days on market $199,000 Active 630 DOM
10. 2026-06-07
    days on market $199,000 Active 629 DOM
11. 2026-06-05
    days on market $199,000 Active 626 DOM
12. 2026-06-02
    days on market $199,000 Active 624 DOM
13. 2026-06-01
    days on market $199,000 Active 623 DOM
14. 2026-05-31
    days on market $199,000 Active 622 DOM
15. 2026-05-30
    days on market $199,000 Active 621 DOM
16. 2026-02-09
    status Active 377-char remark

    Show marketing remark (377 chars)

    This lovely, move-in ready, completely furnished townhome is ready for its new family! This home is walking distance to the beach and securely tucked away in a private, gated community with a pool! One bedroom and full bath are on the ground floor level, while the other 2 bedrooms - each with their own private bath - are on the 2nd level. Call today for your private showing!

17. 2026-02-09
    price $199,000 377-char remark

    Show marketing remark (377 chars)

    This lovely, move-in ready, completely furnished townhome is ready for its new family! This home is walking distance to the beach and securely tucked away in a private, gated community with a pool! One bedroom and full bath are on the ground floor level, while the other 2 bedrooms - each with their own private bath - are on the 2nd level. Call today for your private showing!

18. 2026-01-31
    historical 377-char remark

    Show marketing remark (377 chars)

    This lovely, move-in ready, completely furnished townhome is ready for its new family! This home is walking distance to the beach and securely tucked away in a private, gated community with a pool! One bedroom and full bath are on the ground floor level, while the other 2 bedrooms - each with their own private bath - are on the 2nd level. Call today for your private showing!

19. 2025-07-17
    price $214,500 377-char remark

    Show marketing remark (377 chars)

    This lovely, move-in ready, completely furnished townhome is ready for its new family! This home is walking distance to the beach and securely tucked away in a private, gated community with a pool! One bedroom and full bath are on the ground floor level, while the other 2 bedrooms - each with their own private bath - are on the 2nd level. Call today for your private showing!

20. 2025-02-19
    historical $1,950
21. 2024-11-27
    price $239,000 377-char remark

    Show marketing remark (377 chars)

    This lovely, move-in ready, completely furnished townhome is ready for its new family! This home is walking distance to the beach and securely tucked away in a private, gated community with a pool! One bedroom and full bath are on the ground floor level, while the other 2 bedrooms - each with their own private bath - are on the 2nd level. Call today for your private showing!

22. 2024-09-09
    listed $1,950
23. 2024-09-07
    listed $248,500 Active 377-char remark

    Show marketing remark (377 chars)

    This lovely, move-in ready, completely furnished townhome is ready for its new family! This home is walking distance to the beach and securely tucked away in a private, gated community with a pool! One bedroom and full bath are on the ground floor level, while the other 2 bedrooms - each with their own private bath - are on the 2nd level. Call today for your private showing!

24. 2024-05-19
    historical $2,300
25. 2024-04-17
    listed $2,300
26. 2021-10-01
    historical
27. 2021-06-08
    soldstatus
28. 2021-03-09
    listed $165,000
29. 2018-04-25
    listed $105,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (shaded) · 13% 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 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,714
• − Mortgage interest: −$11,147
• − Property taxes: −$2,985
• − Insurance: −$995
• − Repairs & maintenance: −$1,817
• − Management: −$1,817
• − HOA: −$1,800
• − Depreciation: −$5,789
• Taxable loss: −$3,637
• Est. tax savings @ 24.0%: +$873
• After-tax cash flow: $514/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 · 12 photos

Good 75/100 Cosmetic rehab

This move-in ready, fully furnished townhome in a private gated community with a pool is in good condition and ready for its new family.

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and resale value
• Both Replace curtains — Freshens look and improves rental appeal

Renovation cost estimate screening

Value-add ROI direction

• Both Paint exterior — Enhances curb appeal and resale value ↑
• Both Replace curtains — Freshens look and improves rental appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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): 18,564
• Household income: $54,657
• Rent vs Own: 44.3% rent · 55.7% own
• Severe rent burden: 1059.0

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: Majority White (65%)
• Race & ethnicity: White 65% Black 24% Hispanic / Latino 6% Two or more races 5% Asian 1%
• Hispanic origin (detail): Mexican 2% Cuban 1%
• Common ancestry: Slovak 4% Lithuanian 4% Romanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 2% French/Haitian/Cajun 2% Other Indo-European 1%

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: ▼ -67.48%
• Current HPI: 181.6606
• Rent YoY: ▲ 4.26%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+89.5% since first listed

14 events — show timeline

• 2026-02-09 Relisted — MLSU
• 2026-02-09 Price Changed $199,000 MLSU
• 2026-01-31 Listing Removed — MLSU
• 2025-07-17 Price Changed $214,500 MLSU
• 2025-02-19 Rental Removed $1,950 MLSU
• 2024-11-27 Price Changed $239,000 MLSU
• 2024-09-09 Listed for Rent $1,950 MLSU
• 2024-09-07 Listed $248,500 MLSU
• 2024-05-19 Rental Removed $2,300 MLSU
• 2024-04-17 Listed for Rent $2,300 MLSU
• 2021-10-01 Listing Removed — MLSU
• 2021-06-08 Sold (MLS) — MLSU
• 2021-03-09 Listed $165,000 MLSU
• 2018-04-25 Listed $105,000 MLSU