14467 N Swan Rd · Gulfport, MS 39503

$289,500

3 bd · 1.0 ba · 1,984 sqft · SingleFamily public records · 60 Days on market

Built 2012 0.61 ac lot $146/sqft · at area comps Est $287k · at est.

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Why this score? — see what drove the D 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 +12.5/30.0
• ARV discount +7.2/15.0
• Rent growth +4.2/5.0
• Schools +4.2/10.0
• DSCR +3.7/10.0
• Livability +3.7/5.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this stunning new listing in Gulfport, MS! This beautiful property features 3 bedrooms, 2 baths within 1,991 square feet and offers a serene and spacious living experience. The open floor plan seamlessly connects the living room, dining area, and kitchen, providing ample space for both relaxation and entertainment. Situated on a meticulously maintained over half-acre fenced lot, this home provides the perfect balance of privacy and outdoor enjoyment, whether you envision a flourishing garden, a play area, or a relaxing patio space, the possibilities are endless. Don't miss this opportunity to make this exceptional property your own. Schedule a viewing today and envision the lifestyle that awaits you in this gem of a home!

Key facts

• Over half an acre
• Open-concept layout
• 0.61 acre lot

Tags

• OPEN-CONCEPT LAYOUT
• FULLY FENCED BACKYARD
• OVER HALF AN ACRE

Property features AI

Exterior

• Parking: 2-car garage with front-facing garage and direct access; 2 total parking spaces
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected; Cable available; Phone available
• Home design: Single-family residence (house); One story
• Construction: Brick construction; Shingle roof; Slab foundation; Built (year source: assessor)
• Exterior features: Rear porch; Private yard; Rain gutters; Fenced backyard with privacy wood fencing; Level lot

Interior

• Kitchen: Dishwasher; Electric range; Exhaust fan; Microwave; Refrigerator; Kitchen island; Granite counters; Pantry
• Bedrooms: Primary bedroom on main level
• Flooring: Luxury vinyl
• Bathrooms: 2 full bathrooms; Double vanity; Soaking tub
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Granite counters; High ceilings; Open floor plan; Pantry; Primary bedroom on main level; Soaking tub; Double vanity; Kitchen island
• Laundry & utility: Main-level laundry room; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $290k.

Deal economics

• At list price, monthly cash flow is $-41 ($-490/yr) — negative.
• To cash-flow at today's rent, offer at most $282k (2.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $217k (25.0% below list).
• Recommended offer: $217k (25.0% below list) — sets the bar for 1% rule.
• 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.
• 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.
• Market conditions: Rents rising fast (+7.0%/yr); 770 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% 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 ($63k/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 $2k of loan paydown is wiped out by about $9k 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 60 days — a 3% lower offer ($281k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y 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; 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 $216,990 (25.0% 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 60 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. 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.
7. 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.
8. 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: 0.75% ✗
• Cap rate: 6.12%
• Cash-on-cash: -0.61%
• DSCR: 0.97
• GRM: 11.1

CMA / ARV

• ARV (median comp): $287,460
• List price: $289,500
• Delta: 0.71%
• 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
14864 Fritz Cir	0.13mi	4/2.0 (+1)	1,930 (-3%)	3mo	$270,250	$140	78
14456 N Swan Rd	0.03mi	3/2.0	1,800 (-9%)	2mo	$265,000	$147	77
14836 Fritz Cir	0.13mi	4/2.0 (+1)	2,202 (+11%)	0mo	$307,231	$140	66
14175 Hartland Dr	0.27mi	4/2.0 (+1)	1,820 (-8%)	1mo	$247,500	$136	64
14922 Fritz Cir	0.22mi	4/2.0 (+1)	1,820 (-8%)	4mo	$251,175	$138	64
14892 Fritz Cir	0.18mi	4/2.0 (+1)	2,202 (+11%)	3mo	$292,525	$133	62
14151 Hartland Dr	0.32mi	4/2.0 (+1)	1,820 (-8%)	2mo	$249,900	$137	61
14940 Fritz Cir	0.13mi	4/3.0 (+1)	2,200 (+11%)	3mo	$278,975	$127	60
14130 Ursuline Rd	0.30mi	3/2.0	1,740 (-12%)	5mo	$285,000	$164	58
14916 Fritz Cir	0.20mi	4/3.0 (+1)	2,200 (+11%)	4mo	$284,946	$130	56
14169 Hartland Dr	0.29mi	4/3.0 (+1)	2,200 (+11%)	2mo	$283,230	$129	54
14141 Hartland Dr	0.33mi	4/3.0 (+1)	2,200 (+11%)	2mo	$284,086	$129	52

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 · 6.99% rent growth · sell at horizon

5-year hold

• IRR: -13.5%
• Equity multiple: 0.50×
• Total profit: $-40,572
• Equity at exit: $43,165

10-year hold

• IRR: 0.2%
• Equity multiple: 1.01×
• Total profit: $1,208
• Equity at exit: $25,031

Cash invested: $81,060 (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 39503

• Home prices YoY: -21.5%
• Rents YoY: 7.0%
• Active inventory: 770
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,170 high
• Mortgage (P&I): −$1,518
• Tax from tax record: −$116 /mo · $1,396/yr
• Insurance: −$121
• HOA: −$0
• Vacancy / Maint / Mgmt: −$456
• Net cashflow: $-41

Break-even live

Break-even rent $2,222

Max offer price $282,280

Occupancy floor 97%

Sensitivity live

Price	-10% $123	-5% $41	+0% $-41	+5% $-123	+10% $-205
Rent	-10% $-212	-5% $-127	+0% $-41	+5% $45	+10% $131
Rate	-1.0pp $105	-0.5pp $33	base $-41	+0.5pp $-116	+1.0pp $-192

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: $72,375
• Closing costs: $8,685
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
15033 S White Swan Dr Gulfport, MS	4.0	2.5	1933	$2,495	$1.29	23d	1	0.47mi
15336 Lakeview Ct Gulfport, MS	3.0	2.0	1837	$2,195	$1.19	23d	1	0.52mi
15740 Rachael Dr Gulfport, MS	4.0	2.0	1928	$2,400	$1.24	15d	1	0.75mi
13727 Fox Hill Dr Gulfport, MS	3.0	2.0	1388	$1,800	$1.30	45d	1	0.95mi
13518 Huntington Cir Gulfport, MS	4.0	2.0	2084	$1,950	$0.94	45d	1	1.06mi
15395 Percy St Gulfport, MS	3.0	2.0	1710	$1,975	$1.15	45d	1	1.28mi
14348 Atwood Cv Gulfport, MS	3.0	2.0	2145	$2,150	$1.00	45d	1	1.30mi
14347 Atwood Cv Gulfport, MS	4.0	2.0	2133	$2,175	$1.02	45d	1	1.34mi

Listing history 25 events

1. 2026-06-21
   days on market $289,500 Active 60 DOM
2. 2026-06-18
   days on market $289,500 Active 57 DOM
3. 2026-06-17
   days on market $289,500 Active 56 DOM
4. 2026-06-16
   days on market $289,500 Active 55 DOM
5. 2026-06-15
   days on market $289,500 Active 54 DOM
6. 2026-06-14
   days on market $289,500 Active 52 DOM
7. 2026-06-13
   days on market $289,500 Active 51 DOM
8. 2026-06-10
   days on market $289,500 Active 49 DOM
9. 2026-06-09
   days on market $289,500 Active 48 DOM
10. 2026-06-08
    days on market $289,500 Active 47 DOM
11. 2026-06-07
    days on market $289,500 Active 46 DOM
12. 2026-06-02
    days on market $289,500 Active 41 DOM
13. 2026-06-01
    days on market $289,500 Active 40 DOM
14. 2026-05-31
    days on market $289,500 Active 39 DOM
15. 2026-05-30
    days on market $289,500 Active 38 DOM
16. 2026-04-22
    listed $289,500 Active 1027-char remark
17. 2023-08-02
    soldstatus
18. 2023-07-31
    soldstatus Closed 747-char remark

    Show marketing remark (747 chars)

    Welcome home to this stunning new listing in Gulfport, MS! This beautiful property features 3 bedrooms, 2 baths within 1,991 square feet and offers a serene and spacious living experience. The open floor plan seamlessly connects the living room, dining area, and kitchen, providing ample space for both relaxation and entertainment. Situated on a meticulously maintained over half-acre fenced lot, this home provides the perfect balance of privacy and outdoor enjoyment, whether you envision a flourishing garden, a play area, or a relaxing patio space, the possibilities are endless. Don't miss this opportunity to make this exceptional property your own. Schedule a viewing today and envision the lifestyle that awaits you in this gem of a home!

19. 2023-06-18
    status Pending 747-char remark

    Show marketing remark (747 chars)

    Welcome home to this stunning new listing in Gulfport, MS! This beautiful property features 3 bedrooms, 2 baths within 1,991 square feet and offers a serene and spacious living experience. The open floor plan seamlessly connects the living room, dining area, and kitchen, providing ample space for both relaxation and entertainment. Situated on a meticulously maintained over half-acre fenced lot, this home provides the perfect balance of privacy and outdoor enjoyment, whether you envision a flourishing garden, a play area, or a relaxing patio space, the possibilities are endless. Don't miss this opportunity to make this exceptional property your own. Schedule a viewing today and envision the lifestyle that awaits you in this gem of a home!

20. 2023-06-13
    price $279,900 747-char remark

    Show marketing remark (747 chars)

    Welcome home to this stunning new listing in Gulfport, MS! This beautiful property features 3 bedrooms, 2 baths within 1,991 square feet and offers a serene and spacious living experience. The open floor plan seamlessly connects the living room, dining area, and kitchen, providing ample space for both relaxation and entertainment. Situated on a meticulously maintained over half-acre fenced lot, this home provides the perfect balance of privacy and outdoor enjoyment, whether you envision a flourishing garden, a play area, or a relaxing patio space, the possibilities are endless. Don't miss this opportunity to make this exceptional property your own. Schedule a viewing today and envision the lifestyle that awaits you in this gem of a home!

21. 2023-05-18
    listed $284,900 Active 747-char remark

    Show marketing remark (747 chars)

    Welcome home to this stunning new listing in Gulfport, MS! This beautiful property features 3 bedrooms, 2 baths within 1,991 square feet and offers a serene and spacious living experience. The open floor plan seamlessly connects the living room, dining area, and kitchen, providing ample space for both relaxation and entertainment. Situated on a meticulously maintained over half-acre fenced lot, this home provides the perfect balance of privacy and outdoor enjoyment, whether you envision a flourishing garden, a play area, or a relaxing patio space, the possibilities are endless. Don't miss this opportunity to make this exceptional property your own. Schedule a viewing today and envision the lifestyle that awaits you in this gem of a home!

22. 2021-06-02
    soldstatus
23. 2021-05-28
    soldstatus

    Show marketing remark (419 chars)

    Check out this spacious home in Hatten Farms! MOVE-IN ready! Large open-concept living/ kitchen area with a breakfast nook and formal dining room. The master boasts a roomy on-suite bathroom complete with a soaking tub, shower, and large walk-in closet. The lot is over a half acre and has a huge backyard great for outdoor events and gatherings. Conveniently located in north Gulfport with direct access to Highway 49.

24. 2021-05-03
    listed $229,900

    Show marketing remark (419 chars)

    Check out this spacious home in Hatten Farms! MOVE-IN ready! Large open-concept living/ kitchen area with a breakfast nook and formal dining room. The master boasts a roomy on-suite bathroom complete with a soaking tub, shower, and large walk-in closet. The lot is over a half acre and has a huge backyard great for outdoor events and gatherings. Conveniently located in north Gulfport with direct access to Highway 49.

25. 2012-06-19
    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: $1,396 · $116/mo
• Projected year-2 tax: $2,287 · $191/mo
• Expected delta: +$891/yr (+$74/mo · 63.9%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 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: $26,039
• − Mortgage interest: −$16,217
• − Property taxes: −$1,396
• − Insurance: −$1,448
• − Repairs & maintenance: −$2,083
• − Management: −$2,083
• − Depreciation: −$8,422
• Taxable loss: −$5,609
• Est. tax savings @ 24.0%: +$1,346
• After-tax cash flow: $856/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: 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

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

• County: Harrison County · 178,171 people
• City population: 96,188
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 55,059
• Household income: $62,641
• Rent vs Own: 29.3% rent · 70.7% own
• Severe rent burden: 1686.0

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: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 58% Black 27% Two or more races 9% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Lithuanian 5% Slovak 1% Portuguese 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 3%

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: ▼ -51.39%
• Current HPI: 187.285
• Rent YoY: ▲ 6.99%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+25.9% since first listed

10 events — show timeline

• 2026-04-22 Listed $289,500 MLSU
• 2023-08-02 Sold (Public Records) — Public Records
• 2023-07-31 Sold (MLS) — MLSU
• 2023-06-18 Pending — MLSU
• 2023-06-13 Price Changed $279,900 MLSU
• 2023-05-18 Listed $284,900 MLSU
• 2021-06-02 Sold (Public Records) — Public Records
• 2021-05-28 Sold (MLS) — MLSU
• 2021-05-03 Listed $229,900 MLSU
• 2012-06-19 Sold (Public Records) — Public Records

Property tax history

-1.0%/yr

Latest (2025): $1,396 · +6.8% YoY. Source: county tax records.