2131 Philips Rd · Huguley, AL 36863

$79,900

2 bd · 1.0 ba · 1,289 sqft · SingleFamily public records · 38 Days on market

Built 1965 0.52 ac lot $62/sqft · 48% below area Est $140k · 43% under

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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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

OPPORTUNITY IN THE HUGULEY COMMUITY! This brick ranch is conveniently located to I-85 and sits on . 52+/- acres! As you enter into the Family Room you'll note the natural light that flows through large window on front of home. The Kitchen offers wood cabinetry and offers an open flow to Dining Area. Two Bedrooms are nicely sized and share a hallway Bathroom. An additional flex space could be used as a den, office, or possibly a third bedroom. This home has great potential!

Key facts

• Huguley community
• Flex space
• Natural light

Tags

• HUGULEY COMMUNITY
• BRICK RANCH
• NATURAL LIGHT
• WOOD CABINETRY
• OPEN FLOW
• FLEX SPACE

Property features AI

Finance

• Other: Lot approximately 0.52 acre
• Financial info: Listing available for cash or conventional financing
• HOA & community: No HOA

Exterior

• Parking: Carport
• Utilities: Public water; Septic tank; Electricity available
• Home design: Single-family house; One level; Residential property; Fixer condition
• Construction: Brick construction; Composition roof; Built in 1965
• Exterior features: Level lot

Interior

• Kitchen: No appliances listed
• Bedrooms: 2 bedrooms on the main level
• Flooring: Hardwood flooring; Vinyl flooring
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: No heating; No cooling
• Interior features: Tile bath; Family room; Mud room / laundry area; Other room
• Laundry & utility: Mud room for laundry/utility

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $335 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#210 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
• Chambers County (town): math 10% / reading 37% proficiency, ranked #101 of 129 in AL (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Huguley Elementary School (math 32% / reading 57%, grade F, #171 of 627 statewide, top 31%, 384 students, 56% FRL).
• Zoned-school proficiency averages 44% at this address vs 24% district-wide (+21 pts) — the actual schools serving this property are materially stronger than the Chambers County average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 106 active listings in the ZIP; 43 units permitted in Chambers County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Chambers County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 59% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $77,503 (3.0% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 1.33% ✓
• Cap rate: 11.32%
• Cash-on-cash: 17.95%
• DSCR: 1.80
• GRM: 6.3

CMA / ARV

• ARV (median comp): $140,107
• List price: $79,900
• Delta: -42.97%
• Verdict: UNDERPRICED
• Comps: 17 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4223 24 St SW	0.26mi	3/2.0 (+1)	1,396 (+8%)	2mo	$235,000	$168	64
4023 32nd St SW	0.59mi	3/2.0 (+1)	1,311 (+2%)	2mo	$245,000	$187	59
4033 32nd St SW	0.59mi	3/2.0 (+1)	1,378 (+7%)	1mo	$255,000	$185	51
1729 32nd Ave	0.49mi	3/2.0 (+1)	1,450 (+12%)	4mo	$125,000	$86	44
3211 30th Ave SW	0.59mi	3/2.0 (+1)	1,222 (-5%)	22mo	$120,000	$98	36
2535 28th Ave SW	0.72mi	2/1.0	1,095 (-15%)	16mo	$175,000	$160	28
1515 Phillips Rd	0.66mi	2/2.0	1,096 (-15%)	24mo	$89,600	$82	20

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: 9.5%
• Equity multiple: 1.37×
• Total profit: $8,356
• Equity at exit: $11,913

10-year hold

• IRR: 18.6%
• Equity multiple: 2.55×
• Total profit: $34,672
• Equity at exit: $6,908

Cash invested: $22,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Alabama: 90 Strongly Landlord-Friendly · R+15
• County: — inherits STATE
• City: — inherits STATE

Right-to-evict in 7 days for non-payment; no rent control; preempted statewide; courts move quickly.

Methodology + full state rankings →

ZIP-level market 36863

• Home prices YoY: -29.1%
• Active inventory: 106
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,063 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$53 /mo · $635/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$223
• Net cashflow: $335

Break-even live

Break-even rent $640

Max offer price $79,900

Occupancy floor 64%

Sensitivity live

Price	-10% $380	-5% $357	+0% $335	+5% $312	+10% $289
Rent	-10% $251	-5% $293	+0% $335	+5% $377	+10% $419
Rate	-1.0pp $375	-0.5pp $355	base $335	+0.5pp $314	+1.0pp $293

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-21
   days on market $79,900 Active 38 DOM
2. 2026-06-19
   days on market $79,900 Active 36 DOM
3. 2026-06-18
   days on market $79,900 Active 35 DOM
4. 2026-06-17
   days on market $79,900 Active 34 DOM
5. 2026-06-16
   days on market $79,900 Active 33 DOM
6. 2026-06-15
   days on market $79,900 Active 32 DOM
7. 2026-06-14
   days on market $79,900 Active 30 DOM
8. 2026-06-12
   days on market $79,900 Active 29 DOM
9. 2026-06-09
   days on market $79,900 Active 26 DOM
10. 2026-06-08
    days on market $79,900 Active 25 DOM
11. 2026-06-07
    days on market $79,900 Active 24 DOM
12. 2026-06-05
    days on market $79,900 Active 21 DOM
13. 2026-06-02
    days on market $79,900 Active 19 DOM
14. 2026-06-01
    days on market $79,900 Active 18 DOM
15. 2026-05-31
    days on market $79,900 Active 17 DOM
16. 2026-05-30
    days on market $79,900 Active 16 DOM
17. 2026-05-08
    listed $79,900 New 478-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast AL · Resets to sale price

• Current annual tax: $635 · $53/mo
• Projected year-2 tax: $635 · $53/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 59% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,758
• − Mortgage interest: −$4,476
• − Property taxes: −$635
• − Insurance: −$400
• − Repairs & maintenance: −$1,021
• − Management: −$1,021
• − Depreciation: −$2,324
• Taxable income: $2,882
• Est. tax owed @ 24.0%: −$692
• After-tax cash flow: $3,324/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: Chambers County
• NCES district ID: 0100600
• Math proficiency: 10% ▼ -26.00%
• Reading proficiency: 37% ▼ -1.00%
• Median HH income: $36,011
• Composite: 19.37/100
• National rank: #8785
• State rank: #101 of 129 in AL

Livability — Huguley

• Score: 62/100
• State rank: #210
• US rank: #16185

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huguley, AL
• Population (ZIP): 12,335

Population outlook (Chambers County) Hauer SSP2

• Today (2025): 33,868 people
• By 2030: 33,504 · -1.1%
• By 2040: 32,594 · -3.8%
• By 2050: 31,422 · -7.2%
• By 2075: 29,054 · -14.2%
• By 2100: 25,431 · -24.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 46% Black 45% Hispanic / Latino 6% Two or more races 3%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Serbian 1%
• Foreign-born: 5% · Canada, South Korea
• Languages at home: 95% English-only · Spanish 4% Other Indo-European 1%

Political lean MEDSL · Chambers

• 2024 margin: Strong R (+23.2) · D 38.0% · R 61.2%
• 2008→2024 swing: -14.8pp toward R · 2008: -8.5pp · 2024: -23.2pp
• All cycles: 2024: R+23.2 2020: R+15.6 2016: R+14.8 2012: R+5.1 2008: R+8.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.32%
• Current HPI: 154.4174
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

1 event — show timeline

• 2026-05-08 Listed $79,900 GAMLS

Property tax history

+14.1%/yr

Latest (2025): $635 · +6.9% YoY. Source: county tax records.