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2012 Woodbury Rd
B Composite 70.76
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 +27.7/30.0
  • ARV discount +15.0/15.0
  • DSCR +9.7/10.0
  • 1% rule +6.8/10.0
  • Schools +3.3/10.0
  • Livability +3.3/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$134,100

2012 Woodbury Rd · Gautier, MS 39553
3 bd · 1.0 ba · 1,404 sqft · SingleFamily public records · 61 Days on market
Built 1970 8,276 sqft lot Est $185k · 28% under ↓ 2% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

OWN THIS HOME WITH MONTHLY NOTE THAT WOULD BE LESS THAN RENT! This brick 3 bedroom/ 1 bath home has been updated and renovated from top to bottom. Spacious open living area with view into the kitchen and dining area. Living area has enough space for two sitting areas or home office, ceiling fan and modern recessed lighting. Kitchen has new kitchen cabinets, new counter tops, stainless appliances and subway tile back splash. Eat at island provides additional dining space and good storage. The bathroom has been renovated with new tub & cultured marble surround and new vanity for storage. This home has new roof with architectural shingles, double paned vinyl windows, new LVT flooring, new stainless appliances, new interior and exterior doors and hardware, new hot water heater, new inside A/C condenser unit, new lighting and has freshly painted interior and exterior. Back yard is fenced in and there is a huge oak tree that provides shade to the back yard. Patio area for grilling & nice outdoor space. Easy access to local schools & college, employment centers, recreational facilities and shopping centers. Insurance Quote attached/Agent owned property

Key facts

  • Remodeled
  • Large fenced in yard
  • 8,276 sq ft lot

Tags

REMODELEDLARGE FENCED IN YARD

Property features AI

Exterior

  • Parking: Driveway parking for 2; Concrete driveway
  • Security: Smoke detectors; Dead bolt locks
  • Utilities: Public water; Public sewer; Electricity available
  • Home design: Single-family house; One story
  • Construction: Brick and HardiPlank exterior; Architectural shingle roof; Slab foundation; Built information from assessor/appraiser
  • Exterior features: Front porch; Patio; Private backyard; Chain link fencing in backyard; City lot

Interior

  • Kitchen: Dishwasher; Free-standing electric range; Microwave; Stainless steel appliances; Exhaust fan
  • Bedrooms: See listing for bedroom count and levels
  • Flooring: Luxury vinyl
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Central heating (electric); Central air (electric); Ceiling fans
  • Interior features: Ceiling fans; Eat-in kitchen; Kitchen island; Dead bolt locks; Insulated doors; Double-pane vinyl windows; Smoke detectors
  • Laundry & utility: Laundry room with washer and electric dryer hookups; Electric water heater

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $134k.

Deal economics

  • At list price, monthly cash flow is $403 ($5k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $134k).
  • Recommended offer: $126k (6.0% below list) — sets the bar for market timing.
  • Cap rate 9.9% vs local median 4.2% in Gautier — 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 66/100 on livability (#89 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D+, schools D, employment D.
  • Pascagoula-Gautier School District (urban): math 40% / reading 38% proficiency, ranked #41 of 130 in MS (top 32%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 208 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 516 units permitted in Jackson County in 2024 (6 in 5+ unit buildings).
  • This rent runs 33% of the median local income ($57k/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 $927 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 61 days — a 6% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 3y ago; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $126,054 (6.0% below list)

Questions for the listing agent

  1. It's been on market 61 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  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
1.18%
Cap rate
9.90%
Cash-on-cash
12.89%
DSCR
1.57
GRM
7.1

CMA / ARV

ARV (on-the-fly)
$185,328
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2401 Oxford Dr 0.06mi 4/2.5 (+1) 1,400 (-0%) 6mo $182,500 $130 81
1908 University St 0.25mi 3/2.0 1,303 (-7%) 5mo $179,500 $138 68
2112 Woodbury Rd 0.10mi 3/1.0 1,214 (-14%) 6mo $119,000 $98 67
2205 University St 0.37mi 3/1.0 1,247 (-11%) 1mo $100,000 $80 63
2604 Fraternity Dr 0.34mi 4/1.5 (+1) 1,344 (-4%) 9mo $163,000 $121 63
2617 State St 0.38mi 4/2.0 (+1) 1,328 (-5%) 4mo $175,000 $132 61
2212 Lewis Gate Dr 0.70mi 3/2.0 1,360 (-3%) 6mo $208,000 $153 53
1815 W Amar 0.67mi 3/2.0 1,492 (+6%) 3mo $239,900 $161 52
2019 Pamela Dr 0.56mi 3/1.0 1,248 (-11%) 6mo $175,000 $140 50
2313 Avenido Encanto St 0.43mi 3/2.0 1,226 (-13%) 8mo $162,000 $132 49
2518 Avenida Encanto St 0.63mi 3/2.0 1,557 (+11%) 1mo $120,000 $77 48
2628 San Lorenzo St 0.67mi 4/2.0 (+1) 1,305 (-7%) 4mo $175,000 $134 45

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
2.7%
Equity multiple
1.10×
Total profit
$3,922
Equity at exit
$19,995
10-year hold
IRR
12.3%
Equity multiple
1.97×
Total profit
$36,372
Equity at exit
$11,595

Cash invested: $37,548 (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.

ZIP-level market 39553

Home prices YoY
-17.0%
Active inventory
208
Price-to-rent
7.1×

Monthly cashflow live

Estimated rent
$1,579 medium interval (Pro) →
Mortgage (P&I)
$703
Tax from tax record
$85 /mo · $1,020/yr
Insurance
$56
HOA
$0
Vacancy / Maint / Mgmt
$332
Net cashflow
$403

Break-even live

Break-even rent $1,068
Max offer price $134,100
Occupancy floor 69%

Sensitivity live

Price -10% $479 -5% $441 +0% $403 +5% $365 +10% $327
Rent -10% $278 -5% $341 +0% $403 +5% $466 +10% $528
Rate -1.0pp $471 -0.5pp $437 base $403 +0.5pp $368 +1.0pp $333

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
$33,525
Closing costs
$4,023
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3254 Stonegate Cir Gautier, MS 3.0 2.0 1472 $1,700 $1.15 14d 1 0.69mi

Listing history 18 events

  1. 2026-06-09
    statusdays on market $134,100 Pending 61 DOM
  2. 2026-06-08
    days on market $134,100 Active 60 DOM
  3. 2026-06-07
    days on market $134,100 Active 59 DOM
  4. 2026-06-03
    price $134,100 Active 54 DOM
  5. 2026-06-02
    days on market $149,000 Active 54 DOM
  6. 2026-06-01
    days on market $149,000 Active 53 DOM
  7. 2026-05-31
    days on market $149,000 Active 52 DOM
  8. 2026-05-30
    days on market $149,000 Active 51 DOM
  9. 2026-04-09
    listed $149,000 Active
  10. 2024-01-30
    soldstatus
  11. 2024-01-25
    soldstatus Closed 1191-char remark
    Show marketing remark (1191 chars)

    OWN THIS HOME WITH MONTHLY NOTE THAT WOULD BE LESS THAN RENT! This brick 3 bedroom/ 1 bath home has been updated and renovated from top to bottom. Spacious open living area with view into the kitchen and dining area. Living area has enough space for two sitting areas or home office, ceiling fan and modern recessed lighting. Kitchen has new kitchen cabinets, new counter tops, stainless appliances and subway tile back splash. Eat at island provides additional dining space and good storage. The bathroom has been renovated with new tub & cultured marble surround and new vanity for storage. This home has new roof with architectural shingles, double paned vinyl windows, new LVT flooring, new stainless appliances, new interior and exterior doors and hardware, new hot water heater, new inside A/C condenser unit, new lighting and has freshly painted interior and exterior. Back yard is fenced in and there is a huge oak tree that provides shade to the back yard. Patio area for grilling & nice outdoor space. Easy access to local schools & college, employment centers, recreational facilities and shopping centers. Insurance Quote attached/Agent owned property

  12. 2023-12-26
    status Pending 1191-char remark
    Show marketing remark (1191 chars)

    OWN THIS HOME WITH MONTHLY NOTE THAT WOULD BE LESS THAN RENT! This brick 3 bedroom/ 1 bath home has been updated and renovated from top to bottom. Spacious open living area with view into the kitchen and dining area. Living area has enough space for two sitting areas or home office, ceiling fan and modern recessed lighting. Kitchen has new kitchen cabinets, new counter tops, stainless appliances and subway tile back splash. Eat at island provides additional dining space and good storage. The bathroom has been renovated with new tub & cultured marble surround and new vanity for storage. This home has new roof with architectural shingles, double paned vinyl windows, new LVT flooring, new stainless appliances, new interior and exterior doors and hardware, new hot water heater, new inside A/C condenser unit, new lighting and has freshly painted interior and exterior. Back yard is fenced in and there is a huge oak tree that provides shade to the back yard. Patio area for grilling & nice outdoor space. Easy access to local schools & college, employment centers, recreational facilities and shopping centers. Insurance Quote attached/Agent owned property

  13. 2023-11-29
    price $150,750 1191-char remark
    Show marketing remark (1191 chars)

    OWN THIS HOME WITH MONTHLY NOTE THAT WOULD BE LESS THAN RENT! This brick 3 bedroom/ 1 bath home has been updated and renovated from top to bottom. Spacious open living area with view into the kitchen and dining area. Living area has enough space for two sitting areas or home office, ceiling fan and modern recessed lighting. Kitchen has new kitchen cabinets, new counter tops, stainless appliances and subway tile back splash. Eat at island provides additional dining space and good storage. The bathroom has been renovated with new tub & cultured marble surround and new vanity for storage. This home has new roof with architectural shingles, double paned vinyl windows, new LVT flooring, new stainless appliances, new interior and exterior doors and hardware, new hot water heater, new inside A/C condenser unit, new lighting and has freshly painted interior and exterior. Back yard is fenced in and there is a huge oak tree that provides shade to the back yard. Patio area for grilling & nice outdoor space. Easy access to local schools & college, employment centers, recreational facilities and shopping centers. Insurance Quote attached/Agent owned property

  14. 2023-11-29
    status Active 1191-char remark
    Show marketing remark (1191 chars)

    OWN THIS HOME WITH MONTHLY NOTE THAT WOULD BE LESS THAN RENT! This brick 3 bedroom/ 1 bath home has been updated and renovated from top to bottom. Spacious open living area with view into the kitchen and dining area. Living area has enough space for two sitting areas or home office, ceiling fan and modern recessed lighting. Kitchen has new kitchen cabinets, new counter tops, stainless appliances and subway tile back splash. Eat at island provides additional dining space and good storage. The bathroom has been renovated with new tub & cultured marble surround and new vanity for storage. This home has new roof with architectural shingles, double paned vinyl windows, new LVT flooring, new stainless appliances, new interior and exterior doors and hardware, new hot water heater, new inside A/C condenser unit, new lighting and has freshly painted interior and exterior. Back yard is fenced in and there is a huge oak tree that provides shade to the back yard. Patio area for grilling & nice outdoor space. Easy access to local schools & college, employment centers, recreational facilities and shopping centers. Insurance Quote attached/Agent owned property

  15. 2023-11-29
    historical 1191-char remark
    Show marketing remark (1191 chars)

    OWN THIS HOME WITH MONTHLY NOTE THAT WOULD BE LESS THAN RENT! This brick 3 bedroom/ 1 bath home has been updated and renovated from top to bottom. Spacious open living area with view into the kitchen and dining area. Living area has enough space for two sitting areas or home office, ceiling fan and modern recessed lighting. Kitchen has new kitchen cabinets, new counter tops, stainless appliances and subway tile back splash. Eat at island provides additional dining space and good storage. The bathroom has been renovated with new tub & cultured marble surround and new vanity for storage. This home has new roof with architectural shingles, double paned vinyl windows, new LVT flooring, new stainless appliances, new interior and exterior doors and hardware, new hot water heater, new inside A/C condenser unit, new lighting and has freshly painted interior and exterior. Back yard is fenced in and there is a huge oak tree that provides shade to the back yard. Patio area for grilling & nice outdoor space. Easy access to local schools & college, employment centers, recreational facilities and shopping centers. Insurance Quote attached/Agent owned property

  16. 2023-10-27
    listed $151,800 Active 1191-char remark
    Show marketing remark (1191 chars)

    OWN THIS HOME WITH MONTHLY NOTE THAT WOULD BE LESS THAN RENT! This brick 3 bedroom/ 1 bath home has been updated and renovated from top to bottom. Spacious open living area with view into the kitchen and dining area. Living area has enough space for two sitting areas or home office, ceiling fan and modern recessed lighting. Kitchen has new kitchen cabinets, new counter tops, stainless appliances and subway tile back splash. Eat at island provides additional dining space and good storage. The bathroom has been renovated with new tub & cultured marble surround and new vanity for storage. This home has new roof with architectural shingles, double paned vinyl windows, new LVT flooring, new stainless appliances, new interior and exterior doors and hardware, new hot water heater, new inside A/C condenser unit, new lighting and has freshly painted interior and exterior. Back yard is fenced in and there is a huge oak tree that provides shade to the back yard. Patio area for grilling & nice outdoor space. Easy access to local schools & college, employment centers, recreational facilities and shopping centers. Insurance Quote attached/Agent owned property

  17. 2023-08-28
    soldstatus
  18. 2023-08-10
    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
$1,020 · $85/mo
Projected year-2 tax
$1,059 · $88/mo
Expected delta
+$40/yr (+$3/mo · 3.9%)

ⓘ 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) · 21% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$18,946
− Mortgage interest
−$7,512
− Property taxes
−$1,020
− Insurance
−$670
− Repairs & maintenance
−$1,516
− Management
−$1,516
− Depreciation
−$3,901
Taxable income
$2,812
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$675
After-tax cash flow
$4,163/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
Pascagoula-Gautier School District
NCES district ID
2803480
Math proficiency
40% ▼ -3.00%
Reading proficiency
38% ▼ -4.00%
Median HH income
$41,392
Composite
32.86/100
National rank
#5613
State rank
#41 of 130 in MS

Livability — Gautier

Score
66/100
State rank
#89
US rank
#11250

Category grades

Amenities F Commute F Cost of living A+ Crime C+ Employment D Housing A+ Health & safety D+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Gautier, MS
County
Jackson County · 82,196 people
City population
17,225
Metro
Gulfport-Biloxi, MS
Population (ZIP)
17,225
Household income
$57,460
Rent vs Own
28.4% rent · 71.6% own
Severe rent burden
653.0

Population outlook (Jackson County) Hauer SSP2

Today (2025)
146,926 people
By 2030
148,442 · +1.0%
By 2040
149,631 · +1.8%
By 2050
148,723 · +1.2%
By 2075
147,845 · +0.6%
By 2100
144,510 · -1.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.60)
Race & ethnicity
White 55% Black 28% Hispanic / Latino 12% Two or more races 7% Asian 1%
Hispanic origin (detail)
Mexican 3% Puerto Rican 8%
Common ancestry
Slovak 4% Lithuanian 3% Serbian 2%
Foreign-born
3% · Canada, China
Languages at home
90% English-only · Spanish 8% Chinese 0%

Political lean MEDSL · Jackson

2024 margin
Solid R (+39.9) · D 29.5% · R 69.4% · Other 1.1%
2008→2024 swing
-6.4pp toward R · 2008: -33.5pp · 2024: -39.9pp
All cycles
2024: R+39.9 2020: R+34.6 2016: R+39.9 2012: R+36.1 2008: R+33.5

Not yet ingested

Civics

Market trends

HPI YoY
▼ -42.77%
Current HPI
209.1746
Rent YoY
Metro
Gulfport-Biloxi, MS
State GDP YoY
F500 in state
0

Price history

-1.8% since first listed
10 events — show timeline
  • 2026-04-09 Listed $149,000 MLSU
  • 2024-01-30 Sold (Public Records) Public Records
  • 2024-01-25 Sold (MLS) MLSU
  • 2023-12-26 Pending MLSU
  • 2023-11-29 Price Changed $150,750 MLSU
  • 2023-11-29 Relisted MLSU
  • 2023-11-29 Listing Removed MLSU
  • 2023-10-27 Listed $151,800 MLSU
  • 2023-08-28 Sold (Public Records) Public Records
  • 2023-08-10 Sold (Public Records) Public Records

Property tax history

+8.6%/yr

Latest (2025): $1,020 · +27.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…