84144 Lola Dr · Diamondhead, MS 39525

$198,500

3 bd · 2.0 ba · 1,300 sqft · SingleFamily public records · 270 Days on market

Built 2009 $153/sqft · 18% below area Est $262k · 24% under

---

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 +20.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +5.1/10.0
• 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

Five-Star energy rated home!!! Three bedrooms, two bathrooms, with tile flooring and ceiling fans throughout. Wood burning fireplace in the den. Step ceilings in the den and primary bedroom. Granite countertops and soft close cabinets in the kitchen and bathrooms. Walk in closets. Two car garage with workspace. Laundry room. Deck in the back overlooking large fenced-in backyard.

Key facts

• Ceiling fans
• Tile flooring
• Granite counter tops

Tags

• TILE FLOORING
• CEILING FANS
• GRANITE COUNTER TOPS
• WALK IN CLOSET
• GARDEN BATHTUB
• SOFT CLOSE CABINET DOORS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $198k.

Deal economics

• At list price, monthly cash flow is $251 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $198k).
• Recommended offer: $175k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.8% 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: 250 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 $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

• It's been on market 270 days — a 12% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 19y 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $174,680 (12.0% below list)

Questions for the listing agent

1. It's been on market 270 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.01% ✓
• Cap rate: 7.81%
• Cash-on-cash: 5.41%
• DSCR: 1.24
• GRM: 8.3

CMA / ARV

• ARV (median comp): $262,141
• List price: $198,500
• Delta: -24.28%
• 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
84144 Lola Dr	0.00mi	3/2.0	1,279 (-2%)	6mo	$189,498	$148	93
94176 Bayou Dr	0.45mi	3/2.0	1,302 (+0%)	2mo	$265,000	$204	77
846 Kimo Ct	0.18mi	3/2.0	1,354 (+4%)	11mo	$219,900	$162	75
8422 Kaleki Way	0.22mi	3/2.0	1,259 (-3%)	11mo	$218,000	$173	75
84104 Op La Way	0.13mi	3/2.0	1,410 (+8%)	8mo	$237,900	$169	74
7414 Kaleki Way	0.26mi	3/2.0	1,387 (+7%)	10mo	$265,000	$191	69
9512 Lono Pl	0.46mi	3/2.0	1,344 (+3%)	6mo	$189,000	$141	68
7358 Ahi Dr	0.55mi	3/2.0	1,345 (+4%)	5mo	$300,000	$223	64
742 Kaleki Way	0.31mi	3/2.0	1,218 (-6%)	14mo	$199,900	$164	64
85026 Pohaku Dr	0.73mi	3/2.0	1,379 (+6%)	7mo	$267,500	$194	50
85005 Lani Ct	0.65mi	3/2.0	1,379 (+6%)	12mo	$299,990	$218	50
9534 Laa La Way	0.70mi	3/2.0	1,427 (+10%)	16mo	$239,900	$168	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.9%
• Equity multiple: 0.71×
• Total profit: $-16,201
• Equity at exit: $29,597

10-year hold

• IRR: 1.6%
• Equity multiple: 1.12×
• Total profit: $6,460
• Equity at exit: $17,163

Cash invested: $55,580 (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 →

ZIP-level market 39525

• Home prices YoY: -19.1%
• Active inventory: 250
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,999 high
• Mortgage (P&I): −$1,041
• Tax from tax record: −$205 /mo · $2,463/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$420
• Net cashflow: $251

Break-even live

Break-even rent $1,682

Max offer price $198,500

Occupancy floor 82%

Sensitivity live

Price	-10% $363	-5% $307	+0% $251	+5% $194	+10% $138
Rent	-10% $93	-5% $172	+0% $251	+5% $330	+10% $409
Rate	-1.0pp $351	-0.5pp $301	base $251	+0.5pp $199	+1.0pp $147

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: $49,625
• Closing costs: $5,955
• Reserves months: —
• Total cash needed: —

Rent comps 6 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	22d	1	0.77mi
250 Highpoint Dr Unit 250 Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	22d	1	1.14mi
250 Highpoint Dr Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	44d	1	1.14mi
289 Highpoint Dr Diamondhead, MS	2.0	2.5	1340	$1,700	$1.27	14d	1	1.27mi
208 Molokai Vlg Diamondhead, MS	2.0	2.0	951	$1,250	$1.31	22d	1	1.31mi
5402 Gex Dr Diamondhead, MS	2.0	1.0	1240	$1,500	$1.21	14d	1	1.38mi

Listing history 42 events

1. 2026-06-18
   days on market $198,500 Active 270 DOM
2. 2026-06-17
   days on market $198,500 Active 269 DOM
3. 2026-06-16
   days on market $198,500 Active 268 DOM
4. 2026-06-15
   days on market $198,500 Active 267 DOM
5. 2026-06-14
   days on market $198,500 Active 265 DOM
6. 2026-06-13
   days on market $198,500 Active 264 DOM
7. 2026-06-10
   days on market $198,500 Active 262 DOM
8. 2026-06-09
   days on market $198,500 Active 261 DOM
9. 2026-06-08
   days on market $198,500 Active 260 DOM
10. 2026-06-07
    days on market $198,500 Active 259 DOM
11. 2026-06-05
    days on market $198,500 Active 256 DOM
12. 2026-06-03
    days on market $198,500 Active 255 DOM
13. 2026-06-02
    days on market $198,500 Active 254 DOM
14. 2026-06-01
    days on market $198,500 Active 253 DOM
15. 2026-05-31
    days on market $198,500 Active 252 DOM
16. 2026-05-30
    days on market $198,500 Active 251 DOM
17. 2026-01-13
    soldstatus Closed 389-char remark

    Show marketing remark (389 chars)

    Five-Star energy rated home!!! Three bedrooms, two bathrooms, with tile flooring and ceiling fans throughout. Wood burning fireplace in the den. Step ceilings in the den and primary bedroom. Granite countertops and soft close cabinets in the kitchen and bathrooms. Walk in closets. Two car garage with workspace. Laundry room. Deck in the back overlooking large fenced-in backyard.

18. 2025-12-29
    soldstatus
19. 2025-12-04
    status Pending 389-char remark

    Show marketing remark (389 chars)

    Five-Star energy rated home!!! Three bedrooms, two bathrooms, with tile flooring and ceiling fans throughout. Wood burning fireplace in the den. Step ceilings in the den and primary bedroom. Granite countertops and soft close cabinets in the kitchen and bathrooms. Walk in closets. Two car garage with workspace. Laundry room. Deck in the back overlooking large fenced-in backyard.

20. 2025-11-24
    historical 389-char remark

    Show marketing remark (389 chars)

    Five-Star energy rated home!!! Three bedrooms, two bathrooms, with tile flooring and ceiling fans throughout. Wood burning fireplace in the den. Step ceilings in the den and primary bedroom. Granite countertops and soft close cabinets in the kitchen and bathrooms. Walk in closets. Two car garage with workspace. Laundry room. Deck in the back overlooking large fenced-in backyard.

21. 2025-11-06
    price $189,498 389-char remark

    Show marketing remark (389 chars)

    Five-Star energy rated home!!! Three bedrooms, two bathrooms, with tile flooring and ceiling fans throughout. Wood burning fireplace in the den. Step ceilings in the den and primary bedroom. Granite countertops and soft close cabinets in the kitchen and bathrooms. Walk in closets. Two car garage with workspace. Laundry room. Deck in the back overlooking large fenced-in backyard.

22. 2025-11-03
    price $195,498 389-char remark

    Show marketing remark (389 chars)

    Five-Star energy rated home!!! Three bedrooms, two bathrooms, with tile flooring and ceiling fans throughout. Wood burning fireplace in the den. Step ceilings in the den and primary bedroom. Granite countertops and soft close cabinets in the kitchen and bathrooms. Walk in closets. Two car garage with workspace. Laundry room. Deck in the back overlooking large fenced-in backyard.

23. 2025-10-20
    listed $198,498 Active 389-char remark

    Show marketing remark (389 chars)

    Five-Star energy rated home!!! Three bedrooms, two bathrooms, with tile flooring and ceiling fans throughout. Wood burning fireplace in the den. Step ceilings in the den and primary bedroom. Granite countertops and soft close cabinets in the kitchen and bathrooms. Walk in closets. Two car garage with workspace. Laundry room. Deck in the back overlooking large fenced-in backyard.

24. 2025-09-17
    listed $198,500 Active 435-char remark

    Show marketing remark (435 chars)

    This 5-star energy rated home has tile flooring and ceiling fans throughout. New granite counter tops in the kitchen and bathrooms. Freshly painted interior. Walk in closet for the primary bedroom. Garden bathtub. Soft close cabinet doors in the kitchen and bathrooms. New A/C unit with warranty. Lots of storage space in the attic. Washer and Dryer hook-ups in the laundry room. Two car garage and a deck for entertaining in the back.

25. 2024-10-25
    historical
26. 2024-07-13
    price $204,300
27. 2024-06-05
    price $214,300
28. 2024-04-24
    listed $224,999 Active
29. 2023-02-06
    historical
30. 2022-11-03
    price $214,500
31. 2022-10-24
    status Active
32. 2022-10-19
    status Pending
33. 2022-09-17
    listed $224,000 Active
34. 2021-10-01
    historical
35. 2021-09-15
    historical
36. 2016-06-17
    listed $122,500
37. 2014-10-01
    listed $129,500
38. 2008-05-19
    soldstatus
39. 2008-05-14
    soldstatus
40. 2007-10-15
    listed $12,900
41. 2005-07-22
    soldstatus
42. 1995-06-20
    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: $2,463 · $205/mo
• Projected year-2 tax: $2,463 · $205/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 4/10 Moderate FEMA zone X (shaded) · 13% chance over 30 yrs
• 🔥 Wildfire 4/10 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: $23,993
• − Mortgage interest: −$11,119
• − Property taxes: −$2,463
• − Insurance: −$992
• − Repairs & maintenance: −$1,919
• − Management: −$1,919
• − Depreciation: −$5,775
• Taxable loss: −$195
• Est. tax savings @ 24.0%: +$47
• After-tax cash flow: $3,054/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

+1369.0% since first listed

26 events — show timeline

• 2026-01-13 Sold (MLS) — MLSU
• 2025-12-29 Sold (Public Records) — Public Records
• 2025-12-04 Pending — MLSU
• 2025-11-24 Listing Removed — MLSU
• 2025-11-06 Price Changed $189,498 MLSU
• 2025-11-03 Price Changed $195,498 MLSU
• 2025-10-20 Listed $198,498 MLSU
• 2025-09-17 Listed $198,500 Fizber.com
• 2024-10-25 Listing Removed — MLSU
• 2024-07-13 Price Changed $204,300 MLSU
• 2024-06-05 Price Changed $214,300 MLSU
• 2024-04-24 Listed $224,999 MLSU
• 2023-02-06 Listing Removed — MLSU
• 2022-11-03 Price Changed $214,500 MLSU
• 2022-10-24 Relisted — MLSU
• 2022-10-19 Pending — MLSU
• 2022-09-17 Listed $224,000 MLSU
• 2021-10-01 Listing Removed — MLSU
• 2021-09-15 Listing Removed — MLSU
• 2016-06-17 Listed $122,500 MLSU
• 2014-10-01 Listed $129,500 MLSU
• 2008-05-19 Sold (Public Records) — Public Records
• 2008-05-14 Sold (MLS) — MLSU
• 2007-10-15 Listed $12,900 MLSU
• 2005-07-22 Sold (Public Records) — Public Records
• 1995-06-20 Sold (Public Records) — Public Records

Property tax history

+2.1%/yr

Latest (2025): $2,463 · +0.0% YoY. Source: county tax records.