7455 Analii St · Diamondhead, MS 39525

$159,900

3 bd · 2.0 ba · 1,722 sqft · SingleFamily public records · 97 Days on market

Built 1986 0.39 ac lot $93/sqft · 37% below area Est $253k · 37% under $85/mo HOA · 4% of rent

---

Why this score? — see what drove the B 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 +28.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.2/10.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Spacious Living & Versatile Workshop Space! Welcome home to a residence designed for comfort and convenience. Featuring an open floor plan and high ceilings, the interior feels grand yet inviting. The split-bedroom layout ensures maximum privacy for the primary suite, while the living room's fireplace adds a touch of warmth. Enjoy peaceful mornings on your back deck overlooking a private, wooded yard. Need extra space? The large workshop with power and plumbing offers endless possibilities for a home business, hobby space, or a future studio apartment. Located just a short drive from the interstate and local shopping. With a few cosmetic updates, this home will truly sparkle!

Key facts

• Open floor plan
• Split-bedroom layout
• Private wooded yard

Tags

• OPEN FLOOR PLAN
• HIGH CEILINGS
• SPLIT-BEDROOM LAYOUT
• LIVING ROOM FIREPLACE
• BACK DECK
• PRIVATE WOODED YARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $73 ($878/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $146k (9.0% below list) — sets the bar for market timing.
• Cap rate 10.0% vs local median 4.8% 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: schools C-, amenities F, commute 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.
• Market conditions: 246 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $5k 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

• It's been on market 97 days — a 9% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 6y ago; this cycle's ask has dropped $39k (20%) 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; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,509 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
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. 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. 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: 1.22% ✓
• Cap rate: 10.04%
• Cash-on-cash: 13.39%
• DSCR: 1.60
• GRM: 6.8

CMA / ARV

• ARV (median comp): $253,134
• List price: $159,900
• Delta: -36.83%
• 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
7455 Analii St	0.00mi	3/2.0	1,722 (0%)	0mo	$159,900	$93	100
6329 Anela Dr	0.23mi	3/2.0	1,850 (+7%)	2mo	$264,900	$143	75
6333 Apelehama Rd	0.39mi	3/2.0	1,780 (+3%)	4mo	$199,900	$112	73
7315 Ahi Dr	0.30mi	3/2.0	1,583 (-8%)	1mo	$269,000	$170	72
84135 Lola Dr	0.44mi	3/2.0	1,764 (+2%)	4mo	$289,000	$164	72
7334 Analii St	0.16mi	3/2.0	1,544 (-10%)	5mo	$242,800	$157	71
8469 Amoka Dr	0.42mi	3/2.0	1,612 (-6%)	3mo	$284,900	$177	67
6414 Kiko St	0.43mi	3/2.0	1,634 (-5%)	5mo	$320,000	$196	67
84118 Lola Dr	0.45mi	4/2.0 (+1)	1,848 (+7%)	1mo	$224,900	$122	61
84115 Lola Dr	0.42mi	3/2.0	1,500 (-13%)	1mo	$200,000	$133	58
5451 Kaiki Dr	0.61mi	3/2.5	1,596 (-7%)	1mo	$250,000	$157	56
84119 Bayou Dr	0.53mi	3/2.0	1,500 (-13%)	5mo	$230,000	$153	49

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: -13.0%
• Equity multiple: 0.53×
• Total profit: $-21,002
• Equity at exit: $23,842

10-year hold

• IRR: -3.8%
• Equity multiple: 0.75×
• Total profit: $-11,274
• Equity at exit: $13,825

Cash invested: $44,772 (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: 246
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,946 high
• Mortgage (P&I): −$839
• Tax from tax record: −$48 /mo · $570/yr
• Insurance: −$67
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$85
• Vacancy / Maint / Mgmt: −$409
• Net cashflow: $73

Break-even live

Break-even rent $1,853

Max offer price $159,900

Occupancy floor 91%

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
63739 Diamondhead Dr N Diamondhead, MS	3.0	2.0	1580	$1,600	$1.01	21d	1	0.30mi
5402 Gex Dr Diamondhead, MS	2.0	1.0	1240	$1,500	$1.21	13d	1	0.91mi
250 Highpoint Dr Unit 250 Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	21d	1	1.24mi
250 Highpoint Dr Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	43d	1	1.24mi
289 Highpoint Dr Diamondhead, MS	2.0	2.5	1340	$1,700	$1.27	13d	1	1.35mi

HOA detail

• Monthly dues: $85 · $1,020/yr

Listing history 8 events

1. 2026-05-19
   status Pending 688-char remark

   Show marketing remark (688 chars)

   Spacious Living & Versatile Workshop Space! Welcome home to a residence designed for comfort and convenience. Featuring an open floor plan and high ceilings, the interior feels grand yet inviting. The split-bedroom layout ensures maximum privacy for the primary suite, while the living room's fireplace adds a touch of warmth. Enjoy peaceful mornings on your back deck overlooking a private, wooded yard. Need extra space? The large workshop with power and plumbing offers endless possibilities for a home business, hobby space, or a future studio apartment. Located just a short drive from the interstate and local shopping. With a few cosmetic updates, this home will truly sparkle!

2. 2026-05-06
   price $159,900 688-char remark

   Show marketing remark (688 chars)

   Spacious Living & Versatile Workshop Space! Welcome home to a residence designed for comfort and convenience. Featuring an open floor plan and high ceilings, the interior feels grand yet inviting. The split-bedroom layout ensures maximum privacy for the primary suite, while the living room's fireplace adds a touch of warmth. Enjoy peaceful mornings on your back deck overlooking a private, wooded yard. Need extra space? The large workshop with power and plumbing offers endless possibilities for a home business, hobby space, or a future studio apartment. Located just a short drive from the interstate and local shopping. With a few cosmetic updates, this home will truly sparkle!

3. 2026-04-03
   price $169,900 688-char remark

   Show marketing remark (688 chars)

   Spacious Living & Versatile Workshop Space! Welcome home to a residence designed for comfort and convenience. Featuring an open floor plan and high ceilings, the interior feels grand yet inviting. The split-bedroom layout ensures maximum privacy for the primary suite, while the living room's fireplace adds a touch of warmth. Enjoy peaceful mornings on your back deck overlooking a private, wooded yard. Need extra space? The large workshop with power and plumbing offers endless possibilities for a home business, hobby space, or a future studio apartment. Located just a short drive from the interstate and local shopping. With a few cosmetic updates, this home will truly sparkle!

4. 2026-03-06
   price $189,900 688-char remark

   Show marketing remark (688 chars)

   Spacious Living & Versatile Workshop Space! Welcome home to a residence designed for comfort and convenience. Featuring an open floor plan and high ceilings, the interior feels grand yet inviting. The split-bedroom layout ensures maximum privacy for the primary suite, while the living room's fireplace adds a touch of warmth. Enjoy peaceful mornings on your back deck overlooking a private, wooded yard. Need extra space? The large workshop with power and plumbing offers endless possibilities for a home business, hobby space, or a future studio apartment. Located just a short drive from the interstate and local shopping. With a few cosmetic updates, this home will truly sparkle!

5. 2026-02-09
   listed $199,000 Active 688-char remark

   Show marketing remark (688 chars)

   Spacious Living & Versatile Workshop Space! Welcome home to a residence designed for comfort and convenience. Featuring an open floor plan and high ceilings, the interior feels grand yet inviting. The split-bedroom layout ensures maximum privacy for the primary suite, while the living room's fireplace adds a touch of warmth. Enjoy peaceful mornings on your back deck overlooking a private, wooded yard. Need extra space? The large workshop with power and plumbing offers endless possibilities for a home business, hobby space, or a future studio apartment. Located just a short drive from the interstate and local shopping. With a few cosmetic updates, this home will truly sparkle!

6. 2021-09-22
   historical
7. 2020-02-05
   listed $148,000
8. 1994-04-28
   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: $570 · $48/mo
• Projected year-2 tax: $1,263 · $105/mo
• Expected delta: +$693/yr (+$58/mo · 121.6%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone AE · 72% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 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: $23,352
• − Mortgage interest: −$8,957
• − Property taxes: −$570
• − Insurance: −$5,918
• − Repairs & maintenance: −$1,868
• − Management: −$1,868
• − HOA: −$1,020
• − Depreciation: −$4,652
• Taxable loss: −$1,501
• Est. tax savings @ 24.0%: +$360
• After-tax cash flow: $1,238/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

+8.0% since first listed

8 events — show timeline

• 2026-05-19 Pending — MLSU
• 2026-05-06 Price Changed $159,900 MLSU
• 2026-04-03 Price Changed $169,900 MLSU
• 2026-03-06 Price Changed $189,900 MLSU
• 2026-02-09 Listed $199,000 MLSU
• 2021-09-22 Listing Removed — MLSU
• 2020-02-05 Listed $148,000 MLSU
• 1994-04-28 Sold (Public Records) — Public Records

Property tax history

+1.0%/yr

Latest (2025): $570 · +0.0% YoY. Source: county tax records.