125 Bradfield Rd · Gluckstadt, MS 39110

$324,999

4 bd · 4.0 ba · 1,924 sqft · SingleFamily public records · 4 Days on market

Built 2004 0.30 ac lot Est $346k · 6% under $16/mo HOA · 1% 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).

• Cash flow +18.1/30.0
• ARV discount +10.3/15.0
• DSCR +5.7/10.0
• Schools +4.8/10.0
• 1% rule +3.8/10.0
• Rent growth +3.2/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Spectacular 4 bedroom 2 bathroom home in the beautiful Ridgefield subdivision in Madison. The inviting entrance shows new wood floors, fresh paint and much more. Eat in kitchen with breakfast bar and stainless steel appliances. Walk in utility room, master bedroom with double vanity, two walk in closets, and a HUGE tub to relax in after a long day. This home has a beautiful back yard with plenty of space for entertaining and a pool to cool off on those hot summer days. Welcome home!

Key facts

• Move-in ready
• In-ground pool
• Recent updates

Tags

• RIDGEFIELD SUBDIVISION
• RECENT UPDATES
• IN-GROUND POOL
• MODERN FINISHES
• NATURAL LIGHT
• MOVE-IN READY

Property features AI

Finance

• Other: Lot approximately 0.3 acres
• HOA & community: Community association with an annual fee of $187 (management included)

Exterior

• Parking: 2-car garage with garage door opener
• Utilities: Public water; Public sewer; Electricity connected; Natural gas connected
• Home design: Single-family house; One level
• Construction: Brick construction; Asphalt shingle roof; Slab foundation; Built year sourced from assessor
• Exterior features: Private yard; Rear porch on slab; Rain gutters; Back yard wood fencing; In-ground outdoor pool with slide and fenced area

Interior

• Kitchen: Cooktop; Electric cooktop; Electric range/oven; Microwave; Dishwasher; Garbage disposal; Water heater (gas)
• Bedrooms: Bedrooms details not specified
• Flooring: Carpet; Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (natural gas); Central air conditioning
• Interior features: Ceiling fans; Double vanity; Eat-in kitchen; His and hers closets; Tile countertops; Walk-in closet(s); Insulated windows; Gas-log fireplace in living room
• Laundry & utility: Inside laundry with washer and electric dryer hookups

What this means for you Summary

Snapshot

• This is a 4-bed/4.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $285 ($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 $287k (11.6% below list).
• Recommended offer: $287k (11.6% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 4.9% in Gluckstadt — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Madison County School District (rural): math 54% / reading 54% proficiency, ranked #3 of 130 in MS (top 2%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Mannsdale Elementary (633 students, 100% FRL); Germantown Middle School (math 55% / reading 58%, grade B, #14 of 179 statewide, top 7%, 1,008 students, 100% FRL); Germantown High School (math 34% / reading 41%, grade F, #59 of 197 statewide, top 30%, 1,396 students, 100% FRL) — zoned schools average 100% FRL vs 29% district-wide (70 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.6%/yr); 628 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 553 units permitted in Madison County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Madison County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 10y 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, 80% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $287,351 (11.6% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 0.88% ✗
• Cap rate: 7.35%
• Cash-on-cash: 3.76%
• DSCR: 1.17
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $346,320
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
105 Owen St	0.17mi	3/2.0 (-1)	1,906 (-1%)	1mo	$340,000	$178	76
102 Wagner Way	0.18mi	3/2.0 (-1)	1,922 (-0%)	4mo	$299,000	$156	75
224 Stillhouse Creek Dr	0.30mi	4/2.0	1,914 (-0%)	3mo	$340,000	$178	75
137 Owen St	0.23mi	3/2.0 (-1)	1,822 (-5%)	1mo	$328,000	$180	67
132 Hanover St	0.17mi	3/2.0 (-1)	1,776 (-8%)	1mo	$328,500	$185	65
106 Muirfield Pl	0.36mi	3/2.0 (-1)	1,825 (-5%)	3mo	$290,000	$159	59
130 Hanover St	0.17mi	3/2.0 (-1)	1,704 (-11%)	1mo	$324,000	$190	59
181 Stillhouse Creek Dr	0.13mi	3/2.0 (-1)	1,687 (-12%)	2mo	$315,000	$187	58
112 Federal Cv	0.70mi	4/2.0	1,899 (-1%)	1mo	$329,900	$174	56
128 Lakeway Dr	0.35mi	3/2.0 (-1)	1,771 (-8%)	3mo	$310,000	$175	55
112 Buckhead Dr	0.70mi	3/2.0 (-1)	1,900 (-1%)	3mo	$360,000	$189	50
104 Stillhollow Ln	0.41mi	3/2.0 (-1)	1,690 (-12%)	2mo	$329,900	$195	46

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 · 2.61% rent growth · sell at horizon

5-year hold

• IRR: -10.8%
• Equity multiple: 0.61×
• Total profit: $-35,729
• Equity at exit: $48,458

10-year hold

• IRR: -2.1%
• Equity multiple: 0.86×
• Total profit: $-12,758
• Equity at exit: $28,100

Cash invested: $91,000 (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 39110

• Home prices YoY: -28.3%
• Rents YoY: 2.6%
• Active inventory: 628
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,874 high
• Mortgage (P&I): −$1,704
• Tax from tax record: −$129 /mo · $1,548/yr
• Insurance: −$135
• HOA: −$16
• Vacancy / Maint / Mgmt: −$603
• Net cashflow: $285

Break-even live

Break-even rent $2,512

Max offer price $324,999

Occupancy floor 85%

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
132 Hanover St Madison, MS	3.0	2.0	1776	$2,650	$1.49	14d	1	0.18mi
212 Stillhouse Creek Dr Madison, MS	3.0	2.0	1856	$2,900	$1.56	14d	1	0.22mi
138 Owen St Madison, MS	3.0	2.0	1824	$2,900	$1.59	23d	1	0.27mi
109 Millhouse Dr Madison, MS	3.0	2.0	1550	$2,395	$1.55	14d	1	0.27mi
145 Stillhouse Creek Dr Madison, MS	3.0	2.0	1755	$2,600	$1.48	43d	1	0.33mi
140 Millhouse Dr Madison, MS	3.0	2.0	1411	$2,400	$1.70	21d	1	0.40mi
112 Copper Ridge Ct Madison, MS	3.0	2.0	1600	$2,495	$1.56	14d	1	0.44mi
173 Clearview Dr W Madison, MS	3.0	2.0	1750	$2,473	$1.41	14d	1	0.49mi
104 Fairwind Way Madison, MS	3.0	2.0	1557	$3,000	$1.93	43d	1	0.55mi

HOA detail

• Monthly dues: $16 · $192/yr
• Likely covers: pool

Listing history 5 events

1. 2026-05-20
   listed $324,999 Active
2. 2016-06-27
   soldstatus
3. 2016-06-24
   soldstatus 487-char remark

   Show marketing remark (487 chars)

   Spectacular 4 bedroom 2 bathroom home in the beautiful Ridgefield subdivision in Madison. The inviting entrance shows new wood floors, fresh paint and much more. Eat in kitchen with breakfast bar and stainless steel appliances. Walk in utility room, master bedroom with double vanity, two walk in closets, and a HUGE tub to relax in after a long day. This home has a beautiful back yard with plenty of space for entertaining and a pool to cool off on those hot summer days. Welcome home!

4. 2016-04-10
   listed $223,000 487-char remark

   Show marketing remark (487 chars)

   Spectacular 4 bedroom 2 bathroom home in the beautiful Ridgefield subdivision in Madison. The inviting entrance shows new wood floors, fresh paint and much more. Eat in kitchen with breakfast bar and stainless steel appliances. Walk in utility room, master bedroom with double vanity, two walk in closets, and a HUGE tub to relax in after a long day. This home has a beautiful back yard with plenty of space for entertaining and a pool to cool off on those hot summer days. Welcome home!

5. 2004-10-20
   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: $1,548 · $129/mo
• Projected year-2 tax: $2,567 · $214/mo
• Expected delta: +$1,020/yr (+$85/mo · 65.9%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,482
• − Mortgage interest: −$18,205
• − Property taxes: −$1,548
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,759
• − Management: −$2,759
• − HOA: −$192
• − Depreciation: −$9,455
• Taxable loss: −$2,059
• Est. tax savings @ 24.0%: +$494
• After-tax cash flow: $3,919/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: Madison County School District
• NCES district ID: 2802790
• Math proficiency: 54% ▼ -7.00%
• Reading proficiency: 54% ▼ -7.00%
• Median HH income: $70,579
• Composite: 48.08/100
• National rank: #2188
• State rank: #3 of 130 in MS

Livability — Gluckstadt

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Gluckstadt, MS
• County: Madison County · 75,005 people
• Metro: Jackson, MS
• Population (ZIP): 50,443
• Household income: $125,506
• Rent vs Own: 9.1% rent · 90.9% own
• Severe rent burden: 227.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 122,509 people
• By 2030: 131,737 · +7.5%
• By 2040: 148,930 · +21.6%
• By 2050: 164,300 · +34.1%
• By 2075: 197,495 · +61.2%
• By 2100: 211,429 · +72.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Black 15% Asian 4% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Italian 6% Slovak 3% Lithuanian 3%
• Foreign-born: 5% · China, Canada
• Languages at home: 92% English-only · Spanish 2% Other Indo-European 2% Chinese 1%

Political lean MEDSL · Madison

• 2024 margin: R (+17.3) · D 40.8% · R 58.0% · Other 1.2%
• 2008→2024 swing: -1.7pp toward R · 2008: -15.6pp · 2024: -17.3pp
• All cycles: 2024: R+17.3 2020: R+11.8 2016: R+16.1 2012: R+15.7 2008: R+15.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.99%
• Current HPI: 154.6909
• Rent YoY: ▲ 2.61%
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+45.7% since first listed

5 events — show timeline

• 2026-05-20 Listed $324,999 MLSU
• 2016-06-27 Sold (Public Records) — Public Records
• 2016-06-24 Sold (MLS) — MLSU
• 2016-04-10 Listed $223,000 MLSU
• 2004-10-20 Sold (Public Records) — Public Records

Property tax history

-1.8%/yr

Latest (2025): $1,548 · +0.0% YoY. Source: county tax records.