2232 Taylor Blvd · Gulfport, MS 39507

$169,000

3 bd · 1.0 ba · 1,131 sqft · SingleFamily public records · 45 Days on market

Built 1964 10,454 sqft lot $149/sqft · at area comps Est $171k · at est.

---

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).

• Cash flow +22.5/30.0
• ARV discount +8.0/15.0
• DSCR +7.2/10.0
• 1% rule +4.9/10.0
• Livability +3.7/5.0
• Rent growth +3.6/5.0
• Schools +3.4/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fantastic home that is move-in ready. This cozy home boasts an inviting front porch with tasteful colors and curb appeal. Features include updated cabinets, countertops and lighting. Vinyl plank flooring and a fresh coat of paint. Great location and close to be where you want to be.

Key facts

• Updated cabinets
• Great location
• Updated countertops

Tags

• UPDATED CABINETS
• UPDATED COUNTERTOPS
• UPDATED LIGHTING
• GREAT LOCATION

Property features AI

Exterior

• Parking: Concrete driveway; No garage
• Utilities: Public water; Public sewer; Electricity connected; Natural gas connected; Cable available; Phone available
• Home design: Single-family house; One story; Updated / remodeled; Brick veneer and wood siding exterior; Facing direction not specified; Living area recorded by appraiser
• Construction: Architectural/asphalt shingle roof; Slab foundation; Built year from public records
• Exterior features: Front porch; Patio; Back yard fencing; City lot

Interior

• Kitchen: Dishwasher; Free-standing gas range; Microwave; Water heater
• Flooring: Ceramic tile; Laminate
• Bathrooms: One full bathroom
• Heating & cooling: Central heating (natural gas); Central air conditioning (electric)
• Interior features: Ceiling fans; Laminate counters; Recessed lighting; Metal insulated doors; Aluminum frame windows with blinds

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $169k.

Deal economics

• At list price, monthly cash flow is $286 ($3k/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 $167k (1.3% below list).
• Recommended offer: $164k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.3% 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: Anniston Avenue Elementary School (math 52% / reading 53%, grade C-, #53 of 375 statewide, top 14%, 535 students, 100% FRL); Bayou View Middle School (math 54% / reading 49%, grade C, #27 of 179 statewide, top 16%, 826 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 (+4.3%/yr); 302 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 48% 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 37% 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 $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 45 days — a 3% lower offer ($164k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; 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 $163,930 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.99% ✗
• Cap rate: 8.32%
• Cash-on-cash: 7.24%
• DSCR: 1.32
• GRM: 8.4

CMA / ARV

• ARV (median comp): $171,001
• List price: $169,000
• Delta: -1.17%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1009 Wilson Dr	0.04mi	3/1.0	1,160 (+3%)	10mo	$149,900	$129	86
2214 Odonnell Blvd	0.36mi	3/1.0	1,100 (-3%)	11mo	$120,000	$109	70
1264 Tropical Cv	0.26mi	2/2.5 (-1)	1,152 (+2%)	5mo	$139,900	$121	70
2179 Collins Blvd	0.67mi	3/1.0	1,131 (0%)	8mo	$189,500	$168	62
2101 South St	0.49mi	3/2.0	1,189 (+5%)	5mo	$165,000	$139	60
9 Hartford Pl	0.45mi	3/2.0	1,187 (+5%)	12mo	$200,000	$168	57
2328 Curcor Dr	0.63mi	3/1.0	1,109 (-2%)	20mo	$182,000	$164	51
2005 North St	0.51mi	4/2.0 (+1)	1,220 (+8%)	8mo	$165,900	$136	47
2303 Farrell Blvd	0.24mi	3/2.0	1,299 (+15%)	20mo	$169,999	$131	43
1321 Oakhill Ave	0.61mi	3/2.0	1,266 (+12%)	12mo	$149,990	$118	38
492 Weaver Ave	0.71mi	3/2.0	1,285 (+14%)	4mo	$199,000	$155	36
2177 Collins Blvd	0.67mi	3/2.0	1,296 (+15%)	15mo	$210,000	$162	28

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: -4.0%
• Equity multiple: 0.85×
• Total profit: $-7,114
• Equity at exit: $25,198

10-year hold

• IRR: 7.0%
• Equity multiple: 1.55×
• Total profit: $26,004
• Equity at exit: $14,612

Cash invested: $47,320 (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: 302
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,668 high
• Mortgage (P&I): −$886
• Tax from tax record: −$76 /mo · $907/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$350
• Net cashflow: $286

Break-even live

Break-even rent $1,307

Max offer price $169,000

Occupancy floor 78%

Sensitivity live

Price	-10% $381	-5% $333	+0% $286	+5% $238	+10% $190
Rent	-10% $154	-5% $220	+0% $286	+5% $351	+10% $417
Rate	-1.0pp $371	-0.5pp $329	base $286	+0.5pp $242	+1.0pp $197

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1525 E Pass Rd Gulfport, MS	1.0–3.0	1.0–2.0	1070	$1,519	$1.42	23d	1	0.27mi
1956 E Pass Rd Gulfport, MS	2.0	1.0	900	$950	$1.06	46d	1	0.46mi
1339 Foxwood Pl Gulfport, MS	3.0	2.0	1100	$1,375	$1.25	46d	1	0.52mi
710 Lindh Rd Gulfport, MS	2.0	1.0	950	$1,199	$1.26	46d	1	0.68mi
1114 Washington Ave Gulfport, MS	3.0	2.0	1200	$1,350	$1.12	23d	1	0.79mi
880 Lindh Rd Gulfport, MS	1.0–2.0	1.0	779	$1,050	$1.35	46d	1	0.80mi
696 Hunters Glen Ln Gulfport, MS	3.0	1.5	1000	$1,800	$1.80	23d	1	0.98mi
1276 Century Oaks Dr Gulfport, MS	3.0	3.0	1283	$2,100	$1.64	46d	1	0.99mi
1270 Century Oaks Dr Gulfport, MS	3.0	3.0	1158	$1,950	$1.68	46d	1	0.99mi
1229 Century Oaks Dr Gulfport, MS	3.0	3.0	1200	$2,600	$2.17	23d	1	1.00mi
986 Waterford Ln Gulfport, MS	3.0	1.5	1000	$1,650	$1.65	46d	1	1.02mi
1131 Century Oaks Dr Gulfport, MS	3.0	3.0	1156	$1,800	$1.56	46d	1	1.05mi
2255 Switzer Rd Gulfport, MS	1.0–3.0	1.0–2.0	1072	$1,500	$1.40	16d	12	1.05mi
1100 Century Oaks Dr Unit A Gulfport, MS	3.0	3.0	1156	$2,200	$1.90	46d	1	1.05mi
1101 Century Oaks Dr Gulfport, MS	3.0	3.0	1330	$1,700	$1.28	46d	1	1.07mi
477 Tegarden Rd Unit D Gulfport, MS	3.0	2.0	1300	$1,300	$1.00	16d	1	1.09mi
229 Milray Ln Gulfport, MS	2.0	2.5	889	$1,795	$2.02	23d	1	1.10mi
2228 Beach Dr #506 Gulfport, MS	2.0	2.0	1164	$2,995	$2.57	46d	1	1.10mi
2228 Beach Dr Gulfport, MS	2.0	2.0	1279	$2,895	$2.26	23d	1	1.10mi
918 Jefferson Dr Gulfport, MS	2.0	1.5	1301	$1,375	$1.06	46d	1	1.18mi
928 Jefferson Dr Gulfport, MS	2.0	1.5	1301	$1,375	$1.06	46d	1	1.18mi
938 Jefferson Dr Gulfport, MS	2.0	1.5	1290	$1,375	$1.07	23d	1	1.18mi
936 Jefferson Dr Gulfport, MS	2.0	1.5	1290	$1,375	$1.07	23d	1	1.18mi
1400 Mill Rd Gulfport, MS	2.0	2.5	1290	$2,550	$1.98	46d	1	1.23mi
248 Debuys Rd Biloxi, MS	1.0–2.0	1.0–2.0	979	$1,300	$1.33	16d	11	1.25mi
10900 E Taylor Rd Gulfport, MS	1.0–3.0	1.0–2.0	1186	$1,360	$1.15	23d	12	1.30mi
190 Gateway Dr Biloxi, MS	1.0–2.0	1.0–2.0	878	$1,240	$1.41	16d	6	1.34mi
125 Brentwood Blvd Gulfport, MS	4.0	2.0	1448	$2,000	$1.38	23d	1	1.38mi
980 Courthouse Rd Unit 1605 Gulfport, MS	2.0	2.0	1227	$1,355	$1.10	23d	1	1.42mi

Listing history 28 events

1. 2026-06-23
   days on market $169,000 Active 45 DOM
2. 2026-06-22
   days on market $169,000 Active 44 DOM
3. 2026-06-18
   days on market $169,000 Active 41 DOM
4. 2026-06-17
   days on market $169,000 Active 40 DOM
5. 2026-06-16
   days on market $169,000 Active 39 DOM
6. 2026-06-15
   price $169,000 Active 38 DOM
7. 2026-06-15
   days on market $169,500 Active 38 DOM
8. 2026-06-14
   days on market $169,500 Active 36 DOM
9. 2026-06-13
   days on market $169,500 Active 35 DOM
10. 2026-06-10
    days on market $169,500 Active 33 DOM
11. 2026-06-09
    days on market $169,500 Active 32 DOM
12. 2026-06-08
    days on market $169,500 Active 31 DOM
13. 2026-06-07
    days on market $169,500 Active 30 DOM
14. 2026-06-05
    days on market $169,500 Active 27 DOM
15. 2026-06-02
    pricedays on market $169,500 Active 25 DOM
16. 2026-06-01
    days on market $173,500 Active 24 DOM
17. 2026-05-31
    days on market $173,500 Active 23 DOM
18. 2026-05-30
    days on market $173,500 Active 22 DOM
19. 2026-05-08
    listed $173,500 Active 233-char remark
20. 2022-11-07
    status Pending 287-char remark

    Show marketing remark (287 chars)

    Fantastic home that is move-in ready. This cozy home boasts an inviting front porch with tasteful colors and curb appeal. Features include updated cabinets, countertops and lighting. Vinyl plank flooring and a fresh coat of paint. Great location and close to be where you want to be.

21. 2022-11-04
    price $152,000 287-char remark

    Show marketing remark (287 chars)

    Fantastic home that is move-in ready. This cozy home boasts an inviting front porch with tasteful colors and curb appeal. Features include updated cabinets, countertops and lighting. Vinyl plank flooring and a fresh coat of paint. Great location and close to be where you want to be.

22. 2022-11-04
    status Active 287-char remark

    Show marketing remark (287 chars)

    Fantastic home that is move-in ready. This cozy home boasts an inviting front porch with tasteful colors and curb appeal. Features include updated cabinets, countertops and lighting. Vinyl plank flooring and a fresh coat of paint. Great location and close to be where you want to be.

23. 2022-10-01
    status Pending 287-char remark

    Show marketing remark (287 chars)

    Fantastic home that is move-in ready. This cozy home boasts an inviting front porch with tasteful colors and curb appeal. Features include updated cabinets, countertops and lighting. Vinyl plank flooring and a fresh coat of paint. Great location and close to be where you want to be.

24. 2022-09-24
    listed $150,000 Active 287-char remark

    Show marketing remark (287 chars)

    Fantastic home that is move-in ready. This cozy home boasts an inviting front porch with tasteful colors and curb appeal. Features include updated cabinets, countertops and lighting. Vinyl plank flooring and a fresh coat of paint. Great location and close to be where you want to be.

25. 2014-11-14
    soldstatus
26. 2007-06-18
    soldstatus
27. 2007-06-15
    soldstatus

    Show marketing remark (120 chars)

    Great location, walk to school, Beach Park, fitness center, pool, College Park, Great fixer upper or investment property

28. 2007-04-30
    listed $80,000

    Show marketing remark (120 chars)

    Great location, walk to school, Beach Park, fitness center, pool, College Park, Great fixer upper or investment property

ⓘ 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: $907 · $76/mo
• Projected year-2 tax: $1,335 · $111/mo
• Expected delta: +$428/yr (+$36/mo · 47.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 67% 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: $20,017
• − Mortgage interest: −$9,467
• − Property taxes: −$907
• − Insurance: −$845
• − Repairs & maintenance: −$1,601
• − Management: −$1,601
• − Depreciation: −$4,916
• Taxable income: $680
• Est. tax owed @ 24.0%: −$163
• After-tax cash flow: $3,264/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): 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

+111.2% since first listed

12 events — show timeline

• 2026-06-15 Price Changed $169,000 MLSU
• 2026-06-02 Price Changed $169,500 MLSU
• 2026-05-08 Listed $173,500 MLSU
• 2022-11-07 Pending — MLSU
• 2022-11-04 Price Changed $152,000 MLSU
• 2022-11-04 Relisted — MLSU
• 2022-10-01 Pending — MLSU
• 2022-09-24 Listed $150,000 MLSU
• 2014-11-14 Sold (Public Records) — Public Records
• 2007-06-18 Sold (Public Records) — Public Records
• 2007-06-15 Sold (MLS) — MLSU
• 2007-04-30 Listed $80,000 MLSU

Property tax history

-4.8%/yr

Latest (2025): $907 · +4.6% YoY. Source: county tax records.