6314 Anela Dr · Diamondhead, MS 39525

$199,900

3 bd · 2.0 ba · 956 sqft · SingleFamily public records · 14 Days on market

Built 1986 0.54 ac lot $209/sqft · 68% above area Est $255k · 22% under $32/mo HOA · 2% of rent ↓ 24% since listing

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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).

• Cash flow +15.2/30.0
• ARV discount +15.0/15.0
• DSCR +4.7/10.0
• Schools +3.9/10.0
• 1% rule +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Priced to sell! This well-maintained home is situated on a half acre with two generously sized lots extending from front to back, offering exceptional potential for a swimming pool, gardening, or the creation of a private outdoor retreat. The residence features an open floor plan with a convenient primary suite on the main level, a beautiful brick fireplace that creates instant warmth and texture along with a spacious sun-room that offers versatile use as a fitness area or additional living space. Upstairs, there are two additional bedrooms and a full bathroom, offering comfortable accommodations for family or guests. Recent improvements include fresh interior and exterior paint, a new wate

Key facts

• Open floor plan
• Half acre
• Brick fireplace

Tags

• HALF ACRE
• TWO GENEROUSLY SIZED LOTS
• PRIVATE OUTDOOR RETREAT
• OPEN FLOOR PLAN
• BRICK FIREPLACE
• SPACIOUS SUN-ROOM

Property features AI

Finance

• HOA & community: Monthly association fee of $32 covering grounds maintenance, management, and pool service; Community amenities include clubhouse, pool, fitness center/health club, golf, marina/boating, lake, fishing, hiking and biking trails, playground, park, tennis courts, sports fields, sidewalks, street lights, RV/boat storage and parking, barbecue areas, restaurant, and nearby airport/runway

Exterior

• Parking: 2-car garage; Space for 6 vehicles total; Concrete driveway; Garage faces front with direct access
• Utilities: Public water; Public sewer; Electricity connected; Propane available; Fiber to the house; Sewer connected; Water connected
• Home design: Single-family house; Two levels; Move-in ready; Slab foundation
• Construction: Built with wood siding; Asphalt shingle roof
• Exterior features: Front porch; Patio; Fenced yard (front and back); Privacy fencing; Landscaped yard; Level lot with many trees; City lot

Interior

• Kitchen: Dishwasher; Disposal; Double oven; Free-standing electric range; Instant hot water; Microwave; Oven; Range hood; Self-cleaning oven; Plumbed for ice maker; Stainless steel appliances; ENERGY STAR qualified appliances (dishwasher, refrigerator, water heater)
• Bedrooms: Primary bedroom on the main level
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating; Heat pump; Fireplace heating; Ceiling fans for cooling; Electric cooling; Multiple cooling units
• Interior features: Ceiling fans; Granite countertops; Kitchen island; Open floor plan; Vaulted ceilings; Walk-in closets; Double pane windows; Window treatments; French doors; Wood-burning fireplace
• Laundry & utility: Indoor laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-356 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $137k (31.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $172k (14.1% below list).
• Recommended offer: $137k (31.5% below list) — sets the bar for cash-flow.
• Cap rate 6.7% vs local median 4.9% in Diamondhead — 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 68/100 on livability (#59 in MS) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Hancock County School District (rural): math 47% / reading 44% proficiency, ranked #23 of 130 in MS (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Hancock Elementary School (math 64% / reading 59%, grade B, #22 of 375 statewide, top 6%, 639 students, 100% FRL); Hancock Middle School (math 48% / reading 44%, grade D+, #39 of 179 statewide, top 22%, 958 students, 100% FRL); Hancock High School (math 42% / reading 43%, grade F, #42 of 197 statewide, top 21%, 1,187 students, 100% FRL) — zoned schools average 100% FRL vs 58% district-wide (41 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 250 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 248 units permitted in Hancock County in 2024 (0 in 5+ unit buildings).

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.
• Hancock County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts; this cycle's ask has dropped $20k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,947 (31.5% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.86% ✗
• Cap rate: 6.71%
• Cash-on-cash: 1.50%
• DSCR: 1.07
• GRM: 9.7

CMA / ARV

• ARV (median comp): $254,782
• List price: $199,900
• Delta: -21.54%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6 Stag Ct	0.49mi	2/2.0 (-1)	1,020 (+7%)	7mo	$112,000	$110	55
4 Woodcock Cir	0.63mi	2/2.0 (-1)	1,020 (+7%)	2mo	$105,000	$103	53
5 Wilderness Run	0.62mi	2/2.0 (-1)	1,050 (+10%)	2mo	$174,900	$167	48
7 Timber Park	0.64mi	2/2.0 (-1)	1,050 (+10%)	8mo	$174,000	$166	42
2 Possum Way	0.53mi	2/2.0 (-1)	1,020 (+7%)	22mo	$166,500	$163	41

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -29.5%
• Equity multiple: 0.02×
• Total profit: $-54,859
• Equity at exit: $29,806

10-year hold

• IRR: -29.4%
• Equity multiple: -0.36×
• Total profit: $-76,063
• Equity at exit: $17,284

Cash invested: $55,972 (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 39525

• Home prices YoY: -19.1%
• Active inventory: 250
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,717 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$123 /mo · $1,477/yr
• Insurance: −$83
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$32
• Vacancy / Maint / Mgmt: −$361
• Net cashflow: $-356

Break-even live

Break-even rent $2,169

Max offer price $136,947

Occupancy floor —

Sensitivity live

Price	-10% $-243	-5% $-300	+0% $-356	+5% $-413	+10% $-470
Rent	-10% $-492	-5% $-424	+0% $-356	+5% $-289	+10% $-221
Rate	-1.0pp $-256	-0.5pp $-306	base $-356	+0.5pp $-408	+1.0pp $-461

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
208 Molokai Vlg Diamondhead, MS	2.0	2.0	951	$1,250	$1.31	23d	1	1.08mi

HOA detail

• Monthly dues: $32 · $384/yr
• Likely covers: pool

Listing history 13 events

1. 2026-05-19
   status Active 1054-char remark
2. 2026-05-17
   status Pending 1054-char remark
3. 2026-05-14
   price $199,900 1054-char remark
4. 2026-05-06
   listed $219,500 Active 1054-char remark
5. 2026-04-06
   status Pending
6. 2026-04-03
   historical
7. 2026-04-01
   price $244,900
8. 2026-03-18
   price $249,500
9. 2026-03-14
   price $259,500
10. 2026-01-16
    price $261,000
11. 2025-12-11
    listed $262,500 Active
12. 2004-06-25
    soldstatus
13. 1988-12-15
    soldstatus

ⓘ 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: $1,477 · $123/mo
• Projected year-2 tax: $1,579 · $132/mo
• Expected delta: +$103/yr (+$9/mo · 7.0%)

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone AE · 23% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 21 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

Taxation est. · year 1

• Rental income: $20,610
• − Mortgage interest: −$11,198
• − Property taxes: −$1,477
• − Insurance: −$6,118
• − Repairs & maintenance: −$1,649
• − Management: −$1,649
• − HOA: −$384
• − Depreciation: −$5,815
• Taxable loss: −$7,679
• Est. tax savings @ 24.0%: +$1,843
• After-tax cash flow: $-2,433/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: Hancock County School District
• NCES district ID: 2801740
• Math proficiency: 47% ▼ -11.00%
• Reading proficiency: 44% ▼ -9.00%
• Median HH income: $47,971
• Composite: 38.88/100
• National rank: #4099
• State rank: #23 of 130 in MS

Livability — Diamondhead

• Score: 68/100
• State rank: #59
• US rank: #9320

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment B+ Housing A+ Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Diamondhead, MS
• County: Hancock County · 9,338 people
• City population: 9,338
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 9,338
• Household income: $87,407
• Rent vs Own: 10.3% rent · 89.7% own

Population outlook (Hancock County) Hauer SSP2

• Today (2025): 52,161 people
• By 2030: 54,753 · +5.0%
• By 2040: 59,242 · +13.6%
• By 2050: 62,417 · +19.7%
• By 2075: 68,168 · +30.7%
• By 2100: 69,212 · +32.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Two or more races 9% Hispanic / Latino 8% Black 2%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 10% Slovak 3% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Hancock

• 2024 margin: Solid R (+58.7) · D 20.1% · R 78.8% · Other 1.1%
• 2008→2024 swing: -4.4pp toward R · 2008: -54.2pp · 2024: -58.7pp
• All cycles: 2024: R+58.7 2020: R+55.5 2016: R+59.4 2012: R+52.8 2008: R+54.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.77%
• Current HPI: 193.4883
• Rent YoY: —
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

-23.8% since first listed

14 events — show timeline

• 2026-05-21 Pending — MLSU
• 2026-05-19 Relisted — MLSU
• 2026-05-17 Pending — MLSU
• 2026-05-14 Price Changed $199,900 MLSU
• 2026-05-06 Listed $219,500 MLSU
• 2026-04-06 Pending — MLSU
• 2026-04-03 Listing Removed — MLSU
• 2026-04-01 Price Changed $244,900 MLSU
• 2026-03-18 Price Changed $249,500 MLSU
• 2026-03-14 Price Changed $259,500 MLSU
• 2026-01-16 Price Changed $261,000 MLSU
• 2025-12-11 Listed $262,500 MLSU
• 2004-06-25 Sold (Public Records) — Public Records
• 1988-12-15 Sold (Public Records) — Public Records

Property tax history

+3.7%/yr

Latest (2025): $1,477 · +0.0% YoY. Source: county tax records.