8153 34th Ave · Gulfport, MS 39501

$73,500

3 bd · 1.0 ba · 1,044 sqft · SingleFamily public records · 258 Days on market

Built 1961 Fair condition 9,583 sqft lot $70/sqft · 29% below area Est $103k · 29% under

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Why this score? — see what drove the A- 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
• DSCR +10.0/10.0
• 1% rule +9.8/10.0
• Schools +5.5/10.0
• Rent growth +5.0/5.0
• Livability +3.7/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great 3 bedroom, 1 bath income producing home located in central Gulfport. Concrete block construction. Newer floors and newer HVAC system. On a corner lot with nice shade trees and a fenced yard. An inviting front porch runs the length of the house. Currently tenant occupied so 24 hours notice is required to view. Presently rented for $950 per month under lease through November, 2026 which must be honored.

Key facts

• Fenced yard
• Newer floors
• Corner lot

Tags

• INCOME PRODUCING HOME
• CONCRETE BLOCK CONSTRUCTION
• NEWER FLOORS
• NEWER HVAC SYSTEM
• CORNER LOT
• FENCED YARD

🏷️ Possibly a rental listed for sale. The $73,500 price doesn't fit this home's estimated sale value (~$103,270) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $74k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $396 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $74k).
• Recommended offer: $65k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.8% 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.
• Harrison County School District (rural): math 52% / reading 46% proficiency, ranked #14 of 130 in MS (top 11%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Lyman Elementary School (math 62% / reading 50%, grade C+, #39 of 375 statewide, top 10%, 490 students, 99% FRL); West Harrison High School (math 57% / reading 52%, grade C-, #10 of 197 statewide, top 5%, 1,124 students, 100% FRL) — zoned schools average 100% FRL vs 62% district-wide (37 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+10.5%/yr); 353 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals leasing fast (median 5d 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 38% 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 $508 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 $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 258 days — a 12% lower offer ($65k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 14y 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: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $64,680 (12.0% below list)

Questions for the listing agent

1. It's been on market 258 days. Have you received any prior offers? Is the seller open to a 12% 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 1961 — 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: 1.48% ✓
• Cap rate: 12.76%
• Cash-on-cash: 23.08%
• DSCR: 2.03
• GRM: 5.6

CMA / ARV

• ARV (median comp): $103,270
• List price: $73,500
• Delta: -28.83%
• 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
8063 34th Ave	0.17mi	3/1.0	975 (-7%)	2mo	$99,000	$102	79
4620 Redstart Dr	0.26mi	3/1.0	1,053 (+1%)	10mo	$95,900	$91	78
3508 Sabine St	0.10mi	3/2.0	1,020 (-2%)	17mo	$79,900	$78	74
3502 Meadowlark Dr	0.25mi	3/1.5	1,100 (+5%)	12mo	$130,000	$118	68
3702 Reynosa Dr	0.51mi	3/2.0	1,066 (+2%)	2mo	$132,000	$124	67
4505 Heron St	0.32mi	3/1.0	1,170 (+12%)	5mo	$110,000	$94	61
4011 Sierra Dr	0.67mi	3/1.0	1,040 (-0%)	17mo	$95,000	$91	54
4223 Wisconsin Ave	0.19mi	2/1.0 (-1)	1,177 (+13%)	17mo	$59,000	$50	50
3802 Anita Dr	0.48mi	3/2.0	1,134 (+9%)	11mo	$131,000	$116	50
3918 Monterey Dr	0.72mi	3/1.5	1,075 (+3%)	14mo	$102,000	$95	48
3902 Monterey Dr	0.62mi	3/1.5	1,075 (+3%)	20mo	$123,500	$115	48
3820 Monterey Dr	0.55mi	3/2.0	1,134 (+9%)	22mo	$118,000	$104	38

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: 21.4%
• Equity multiple: 1.93×
• Total profit: $19,058
• Equity at exit: $10,959

10-year hold

• IRR: 32.5%
• Equity multiple: 4.66×
• Total profit: $75,259
• Equity at exit: $6,355

Cash invested: $20,580 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 4 active · 6 under contract
• Months of supply: 4.0 mo (25%/mo absorbed)
• Median asking: $76,500 ($80/sqft)
• Median days on market: 281 d
• This list price: 25% of active listings are priced below it
• ARV vs active asking: +23.2% 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: 353
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,091 high
• Mortgage (P&I): −$385
• Tax from tax record: −$50 /mo · $598/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $396

Break-even live

Break-even rent $590

Max offer price $73,500

Occupancy floor 59%

Sensitivity live

Price	-10% $437	-5% $417	+0% $396	+5% $375	+10% $354
Rent	-10% $310	-5% $353	+0% $396	+5% $439	+10% $482
Rate	-1.0pp $433	-0.5pp $415	base $396	+0.5pp $377	+1.0pp $357

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: $18,375
• Closing costs: $2,205
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4605 Michigan Ave Gulfport, MS	2.0	1.0	700	$850	$1.21	139d	1	0.17mi
4609 Michigan Ave Gulfport, MS	2.0	1.0	800	$825	$1.03	109d	1	0.19mi
4611 Michigan Ave Gulfport, MS	2.0	1.0	800	$825	$1.03	5d	1	0.20mi
3625 Meadowlark Dr Gulfport, MS	3.0	1.0	1315	$1,200	$0.91	109d	1	0.32mi
3712 37th Ave Gulfport, MS	3.0	2.0	1144	$1,175	$1.03	109d	1	0.52mi
3634 Reynosa Dr Gulfport, MS	3.0	1.5	1116	$1,100	$0.99	0d	1	0.53mi
15165 Madison St Gulfport, MS	3.0	1.0	1388	$1,495	$1.08	0d	1	0.69mi
8360 Alabama Ave Unit B Gulfport, MS	2.0	1.0	780	$850	$1.09	5d	1	0.79mi
8371 Mississippi Ave Apt P Gulfport, MS	2.0	1.0	750	$850	$1.13	5d	1	0.82mi
8379 Mississippi Ave Apt C Gulfport, MS	2.0	1.0	750	$850	$1.13	5d	1	0.84mi
131 Tulip Ct Gulfport, MS	3.0	1.0	1036	$1,150	$1.11	0d	1	0.98mi
15061 Polk St Gulfport, MS	2.0	1.0	900	$999	$1.11	5d	1	1.00mi
2217 32nd St Gulfport, MS	3.0	1.0	858	$1,200	$1.40	6d	1	1.21mi
2317 30th St Gulfport, MS	2.0	1.0	1164	$2,150	$1.85	117d	1	1.29mi
2212 30th St Unit A Gulfport, MS	2.0	2.0	975	$975	$1.00	6d	1	1.31mi
2110 30th St Gulfport, MS	2.0	2.0	950	$950	$1.00	117d	1	1.36mi
3008 50th Ave Gulfport, MS	3.0	2.0	1054	$950	$0.90	0d	1	1.45mi

Listing history 50 events

1. 2026-09-24
   days on market $73,500 Active 258 DOM
2. 2026-09-24
   days on market $73,500 Active 257 DOM
3. 2026-09-22
   days on market $73,500 Active 256 DOM
4. 2026-09-21
   days on market $73,500 Active 255 DOM
5. 2026-09-20
   days on market $73,500 Active 254 DOM
6. 2026-09-18
   days on market $73,500 Active 252 DOM
7. 2026-09-17
   days on market $73,500 Active 251 DOM
8. 2026-09-16
   days on market $73,500 Active 250 DOM
9. 2026-09-15
   days on market $73,500 Active 249 DOM
10. 2026-09-14
    days on market $73,500 Active 248 DOM
11. 2026-09-14
    days on market $73,500 Active 247 DOM
12. 2026-09-12
    days on market $73,500 Active 246 DOM
13. 2026-09-11
    days on market $73,500 Active 245 DOM
14. 2026-09-05
    days on market $73,500 Active 239 DOM
15. 2026-09-04
    days on market $73,500 Active 238 DOM
16. 2026-09-03
    days on market $73,500 Active 237 DOM
17. 2026-08-31
    days on market $73,500 Active 234 DOM
18. 2026-08-30
    days on market $73,500 Active 233 DOM
19. 2026-08-29
    days on market $73,500 Active 232 DOM
20. 2026-08-28
    days on market $73,500 Active 231 DOM
21. 2026-08-27
    days on market $73,500 Active 230 DOM
22. 2026-08-26
    days on market $73,500 Active 229 DOM
23. 2026-08-25
    days on market $73,500 Active 228 DOM
24. 2026-08-24
    days on market $73,500 Active 227 DOM
25. 2026-08-23
    days on market $73,500 Active 226 DOM
26. 2026-08-22
    days on market $73,500 Active 225 DOM
27. 2026-08-21
    days on market $73,500 Active 224 DOM
28. 2026-08-20
    days on market $73,500 Active 223 DOM
29. 2026-08-19
    days on market $73,500 Active 222 DOM
30. 2026-08-18
    days on market $73,500 Active 221 DOM
31. 2026-08-17
    days on market $73,500 Active 220 DOM
32. 2026-08-16
    days on market $73,500 Active 219 DOM
33. 2026-08-15
    days on market $73,500 Active 218 DOM
34. 2026-08-14
    days on market $73,500 Active 217 DOM
35. 2026-08-13
    days on market $73,500 Active 216 DOM
36. 2026-08-12
    days on market $73,500 Active 215 DOM
37. 2026-08-11
    days on market $73,500 Active 214 DOM
38. 2026-08-10
    days on market $73,500 Active 213 DOM
39. 2026-08-09
    days on market $73,500 Active 212 DOM
40. 2026-08-08
    days on market $73,500 Active 211 DOM
41. 2026-08-07
    days on market $73,500 Active 210 DOM
42. 2026-08-06
    days on market $73,500 Active 209 DOM
43. 2026-08-05
    days on market $73,500 Active 208 DOM
44. 2026-08-04
    days on market $73,500 Active 207 DOM
45. 2026-08-03
    days on market $73,500 Active 206 DOM
46. 2026-07-31
    days on market $73,500 Active 203 DOM
47. 2026-07-29
    days on market $73,500 Active 201 DOM
48. 2026-07-27
    days on market $73,500 Active 199 DOM
49. 2026-07-25
    days on market $73,500 Active 197 DOM
50. 2026-07-23
    days on market $73,500 Active 195 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: $598 · $50/mo
• Projected year-2 tax: $598 · $50/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 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 24 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: $13,090
• − Mortgage interest: −$4,117
• − Property taxes: −$598
• − Insurance: −$368
• − Repairs & maintenance: −$1,047
• − Management: −$1,047
• − Depreciation: −$2,138
• Taxable income: $3,775
• Est. tax owed @ 24.0%: −$906
• After-tax cash flow: $3,844/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 · 2 photos

Fair 45/100 Cosmetic rehab Est. rehab $5,220–$15,660 screening

The home is in fair condition with cosmetic repairs needed, particularly in the exterior and landscaping. Aesthetic improvements can significantly enhance its value.

Repairs flagged

• Minor Landscaping — Overgrown grass and shrubs need trimming
• Moderate Exterior paint — Siding shows some discoloration

Value-add opportunities

• Both Landscaping — Aesthetic improvements can enhance curb appeal and property value ↑
• Both Exterior paint — Fresh paint can improve the home's appearance and value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic 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.

D Composite school gradezoned avg 55/100

Zoned Schools

Elementary Lyman Elementary School C+ MS #39/375 Nat'l #9,382/41,679 High West Harrison High School C- MS #10/197 Nat'l #4,461/17,239

Schools (NCES district)

• District: Harrison County School District
• NCES district ID: 2801770
• Math proficiency: 52% ▼ -4.00%
• Reading proficiency: 46% ▼ -4.00%
• Median HH income: $46,504
• Composite: 41.66/100
• National rank: #3419
• State rank: #14 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

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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%

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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%

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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

+267.5% since first listed

14 events — show timeline

• 2026-01-09 Listed $73,500 MLSU
• 2025-12-31 Listing Removed — MLSU
• 2025-07-15 Relisted — MLSU
• 2025-07-03 Listing Removed — MLSU
• 2025-01-03 Listed $75,000 MLSU
• 2024-10-31 Listing Removed — MLSU
• 2024-10-31 Pending — MLSU
• 2024-09-06 Relisted — MLSU
• 2024-08-04 Pending — MLSU
• 2024-04-07 Price Changed $75,000 MLSU
• 2023-10-05 Listed $97,000 MLSU
• 2012-12-11 Sold (Public Records) — Public Records
• 2012-12-10 Sold (MLS) — MLSU
• 2012-04-18 Listed $20,000 MLSU

Property tax history

-0.3%/yr

Latest (2025): $598 · +4.3% YoY. Source: county tax records.