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522 E Railroad St, Gulfport, MS, 39507

2beds
2baths
1,398sqft
$115,000
$82price/sqft
$1,064/moest. monthly cost
$42,560/yrincome needed

About This Home

Investor Opportunity! Nestled beneath beautiful, mature oak trees, this duplex offers charm, privacy, and income potential. Each unit offers 1- Bedroom, 1- Bathroom with separate entrances which creates an attractive rental setup. Situated on 4 lots (+/-.38 Acre). While could benefit from some updating and improvements, the property offers solid potential for investors. Conveniently located near downtown Gulfport and Hwy 90. Don't miss out on this one.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

6/10
7/10
Bayou View Middle SchoolGrades 6-81.8 mi
8/10
Gulfport High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family,Duplex

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,398
  • Total interior livable area: 1,398 sqft

Property

Details

  • Parcel number: 0911c01183.000

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Private Yard
  • Fencing: Chain Link,Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: None

Lot

  • Lot size: 0.38 Acres

Parking

  • Total spaces: 1
  • Parking features: Carport,Driveway,Private
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Heat Wave
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in Harrison County and Mississippi

Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $581$6,972
Home Insurance *$235$2,820
Property Taxes $56$672
Electricity $192$2,304
Total$1,064$12,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,480/yr
40% on housing$31,920/yr
45% on housing$28,373/yr

Mississippi FAIR Plan Programs

Mississippi Windstorm Underwriting Association

Covered
HailHail
WindWind
Visit Website →

Mississippi Residential Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,237Commercial: -4
Total Premiums$1.77M
Total Exposure$137.66M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$82This listing

vs Other Active Listings

Avg $/sqft

ZIP 39507$130
Harrison County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 39507$133
Harrison County$147

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-08Price change$105,000
2026-06-05Listed for sale$115,000

For Sale by Agent

AgentTracy L Johnson
BrokerageRE/MAX Results In Real Estate, Inc.

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