436 Montana Ct · Prattville, AL 36067

$187,000

3 bd · 1.0 ba · 1,162 sqft · SingleFamily public records · 3 Days on market

Built 1980 10,149 sqft lot Est $172k · 9% over

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Why this score? — see what drove the D 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 +17.9/30.0
• DSCR +5.6/10.0
• Rent growth +3.9/5.0
• 1% rule +3.8/10.0
• Livability +3.8/5.0
• ARV discount +3.6/15.0
• Schools +3.2/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your dream home! This stunning 3-bedroom, 2-bath home has been beautifully renovated from top to bottom, offering modern luxury and comfort. Step inside to discover a beautifully updated interior featuring new vinyl plank flooring, fresh paint, and new light fixtures in the spacious living area that seamlessly flows into the breakfast area. The star of the show is definitely the kitchen: brand new cabinets, stylish fixtures, and brand new stainless steel appliances that elevate the kitchen's functionality and aesthetic. The butcher block countertops provide a warm, inviting touch, perfect for both cooking and entertaining. Each bedroom has ample space and storage conforming to all of your needs. Both bathrooms have also been given a facelift to include new vanities and fixtures. Every detail has been thoughtfully considered, from the inside to out such as the newly installed AC ensuring year-round comfort and a brand new roof, providing peace of mind and long-term durability. Don't miss this rare opportunity to own a move-in ready home with all the upgrades you've been dreaming of!!

Key facts

• Near dining
• Near shopping
• Corner lot

Tags

• CORNER LOT
• FULLY FENCED BACKYARD
• NEAR SHOPPING
• NEAR DINING

Property features AI

Exterior

• Parking: Driveway
• Utilities: Cable available; Electricity available; Natural gas available; Public water; Public sewer
• Home design: Single-story; Corner lot in a cul-de-sac; Subdivision location; Entry level on first floor
• Construction: Stucco and vinyl siding exterior; Slab foundation; Built per public records
• Exterior features: Fully fenced yard; Covered porch

Interior

• Kitchen: Kitchen/dining combo; Dishwasher; Gas cooktop; Gas oven; Refrigerator
• Bedrooms: Two bedrooms on the first level
• Flooring: Plank flooring; Vinyl flooring
• Bathrooms: Two full bathrooms (first level)
• Heating & cooling: Central heating (gas); Central air; Ceiling fans; Electric cooling components; Gas water heater
• Interior features: Blinds and window treatments; Linen closet
• Laundry & utility: Washer hookup; Dryer hookup; Laundry room on the first level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $187k.

Deal economics

• At list price, monthly cash flow is $157 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $165k (12.0% below list).
• Recommended offer: $165k (12.0% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 4.2% in Prattville — 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 76/100 on livability (#11 in AL, #3,273 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B+; Watch: amenities D, commute F.
• Autauga County (rural): math 23% / reading 50% proficiency, ranked #34 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Prattville Primary School (714 students, 58% FRL); Prattville Junior High School (math 23% / reading 57%, grade F, #59 of 257 statewide, top 23%, 1,031 students, 56% FRL); Prattville High School (math 32% / reading 41%, grade F, #42 of 305 statewide, top 13%, 1,929 students, 48% FRL) — zoned schools average 54% FRL vs 39% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.8%/yr); 133 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 83% of comp listings sitting > 30 days — soft ceiling on asking rent; 221 units permitted in Autauga County in 2024 (0 in 5+ unit buildings).
• This rent runs 30% of the median local income ($66k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Autauga County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 29y 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: major wind risk, 77% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $164,519 (12.0% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
3. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.88% ✗
• Cap rate: 7.30%
• Cash-on-cash: 3.61%
• DSCR: 1.16
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $171,976
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
445 Durden Rd	0.07mi	3/2.0	1,185 (+2%)	12mo	$165,000	$139	79
436 Montana Ct	0.00mi	3/2.0	1,162 (0%)	23mo	$165,000	$142	77
896 Lower Kingston Rd	0.26mi	3/2.0	1,235 (+6%)	8mo	$189,900	$154	67
457 West Dr	0.17mi	3/2.0	1,254 (+8%)	10mo	$185,575	$148	67

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 · 5.78% rent growth · sell at horizon

5-year hold

• IRR: -7.9%
• Equity multiple: 0.70×
• Total profit: $-15,619
• Equity at exit: $27,882

10-year hold

• IRR: 4.6%
• Equity multiple: 1.37×
• Total profit: $19,576
• Equity at exit: $16,168

Cash invested: $52,360 (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 36067

• Home prices YoY: -12.4%
• Rents YoY: 5.8%
• Active inventory: 133
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,645 high
• Mortgage (P&I): −$981
• Tax from tax record: −$84 /mo · $1,006/yr
• Insurance: −$78
• HOA: −$0
• Vacancy / Maint / Mgmt: −$345
• Net cashflow: $157

Break-even live

Break-even rent $1,446

Max offer price $187,000

Occupancy floor 85%

Sensitivity live

Price	-10% $263	-5% $210	+0% $157	+5% $104	+10% $51
Rent	-10% $27	-5% $92	+0% $157	+5% $222	+10% $287
Rate	-1.0pp $252	-0.5pp $205	base $157	+0.5pp $109	+1.0pp $60

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: $46,750
• Closing costs: $5,610
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
463 Durden Rd Unit A Prattville, AL	2.0	2.0	967	$1,295	$1.34	46d	1	0.23mi
103 Kingston Pl Prattville, AL	4.0	2.0	1106	$1,536	$1.39	45d	1	0.35mi
102 White Oak Dr Prattville, AL	4.0	3.0	1303	$1,350	$1.04	45d	1	0.86mi
348 Bent Tree Dr Prattville, AL	3.0	2.0	1323	$1,595	$1.21	45d	1	1.29mi
169 E 6th St Unit D Prattville, AL	2.0	2.0	1037	$1,050	$1.01	45d	1	1.32mi
110 Bridge St Prattville, AL	1.0–3.0	1.0–2.5	1186	$3,908	$3.29	15d	15	1.44mi

Listing history 3 events

1. 2026-06-22
   days on market $187,000 Active 3 DOM
2. 2026-06-19
   remarks 394-char remark
3. 2026-06-19
   listed $187,000 Active 1 DOM

ⓘ 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: $1,006 · $84/mo
• Projected year-2 tax: $1,006 · $84/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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 77% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,742
• − Mortgage interest: −$10,475
• − Property taxes: −$1,006
• − Insurance: −$935
• − Repairs & maintenance: −$1,579
• − Management: −$1,579
• − Depreciation: −$5,440
• Taxable loss: −$1,272
• Est. tax savings @ 24.0%: +$305
• After-tax cash flow: $2,193/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: Autauga County
• NCES district ID: 0100240
• Math proficiency: 23% ▼ -31.00%
• Reading proficiency: 50% ▼ -5.00%
• Median HH income: $52,974
• Composite: 31.77/100
• National rank: #5892
• State rank: #34 of 129 in AL

Livability — Prattville

• Score: 76/100
• State rank: #11
• US rank: #3273

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prattville, AL
• County: Autauga County · 50,925 people
• City population: 50,925
• Metro: Montgomery, AL
• Population (ZIP): 28,293
• Household income: $65,593
• Rent vs Own: 23.0% rent · 77.0% own
• Severe rent burden: 389.0

Population outlook (Autauga County) Hauer SSP2

• Today (2025): 55,958 people
• By 2030: 55,810 · -0.3%
• By 2040: 54,892 · -1.9%
• By 2050: 53,062 · -5.2%
• By 2075: 49,425 · -11.7%
• By 2100: 45,110 · -19.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Black 20% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Slovak 3% Lithuanian 2% Italian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Autauga

• 2024 margin: Solid R (+46.3) · D 26.4% · R 72.7%
• 2008→2024 swing: +1.6pp toward D · 2008: -47.8pp · 2024: -46.3pp
• All cycles: 2024: R+46.3 2020: R+44.4 2016: R+49.5 2012: R+46.0 2008: R+47.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -29.98%
• Current HPI: 211.1676
• Rent YoY: ▲ 5.78%
• Metro: Montgomery, AL
• 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

+199.7% since first listed

14 events — show timeline

• 2026-06-18 Listed $187,000 MAAR
• 2024-08-09 Sold (Public Records) $165,000 Public Records
• 2024-08-05 Sold (MLS) $165,000 MAAR
• 2024-07-29 Pending — MAAR
• 2024-06-24 Contingent — MAAR
• 2024-06-14 Listed $165,000 MAAR
• 2009-12-04 Sold (Public Records) $90,000 Public Records
• 2009-12-04 Sold (MLS) $90,000 MAAR
• 2009-10-27 Listed $92,900 MAAR
• 1999-09-10 Sold (MLS) $64,000 MAAR
• 1999-09-09 Sold (Public Records) $64,000 Public Records
• 1999-06-23 Listed $67,900 MAAR
• 1997-09-16 Sold (MLS) $60,000 MAAR
• 1997-06-22 Listed $62,400 MAAR

Property tax history

+13.5%/yr

Latest (2025): $1,006 · +73.3% YoY. Source: county tax records.