141 Holt St · Flomaton, AL 36441

$99,900

3 bd · 1.0 ba · 1,040 sqft · SingleFamily public records · 181 Days on market

Built 1962 Est $147k · 32% under ↓ 36% since listing

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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 +18.5/30.0
• ARV discount +15.0/15.0
• Appreciation +7.9/10.0
• DSCR +5.8/10.0
• 1% rule +4.3/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

Key facts

• Covered front porch
• Single story design
• Parking

Tags

• SINGLE STORY DESIGN
• COVERED FRONT PORCH
• ESTABLISHED NEIGHBORHOOD
• PROXIMITY TO LOCAL AMENITIES
• CLOSE TO FLOMATON ELEMENTARY
• CLOSE TO FLOMATON HIGH SCHOOL

Property features AI

Finance

• Other: Zoning: Single Family Residence
• HOA & community: No community amenities listed; No transfer fees

Exterior

• Parking: Single carport (1 covered space)
• Utilities: Public water; Total electric service (Southern Pine Electric); Electric water heater
• Home design: Single-family residence; One story; Resale property
• Construction: Brick and wood frame construction; Slab foundation; Composition roof; Built area approximately 1,040 square feet
• Exterior features: Front porch; Less than 1 acre lot; No waterfront

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: Primary bedroom on the main/first floor (approx. 11.6 x 10.6); Second bedroom (approx. 10.9 x 9.8); Third bedroom (approx. 11 x 9.8)
• Flooring: Vinyl flooring; Laminate flooring
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Electric heating; Ceiling fan(s) for cooling
• Interior features: Sun room; Ceiling fans
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $96 ($1k/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 $93k (6.5% below list).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 55/100 on livability (#446 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A, health & safety B+; Watch: schools D+, crime F, amenities F.
• Escambia County (town): math 17% / reading 39% proficiency, ranked #83 of 129 in AL (top 64%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 19 active listings in the ZIP; 18 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($691 loan paydown + $6k appreciation (5.8% local appreciation)).
• Escambia County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (5.8% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 181 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $30k (23%) 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→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 181 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1962 — 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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. 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.
8. 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.
9. 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: 0.93% ✗
• Cap rate: 7.44%
• Cash-on-cash: 4.11%
• DSCR: 1.18
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $146,640
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
141 Holt St	0.00mi	3/1.5	1,040 (0%)	1mo	$98,000	$94	97
20 Karen St	0.04mi	3/1.5	1,160 (+12%)	6mo	$163,000	$141	72
50 Sue St	0.25mi	3/1.5	1,176 (+13%)	3mo	$175,000	$149	62

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.81% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.3%
• Equity multiple: 2.21×
• Total profit: $33,813
• Equity at exit: $61,618

10-year hold

• IRR: 17.9%
• Equity multiple: 4.39×
• Total profit: $94,958
• Equity at exit: $110,733

Cash invested: $27,972 (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 36441

• Home prices YoY: 3.5%
• Active inventory: 19
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $934 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$76 /mo · $917/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$196
• Net cashflow: $96

Break-even live

Break-even rent $813

Max offer price $99,900

Occupancy floor 85%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-05-19
   status Pending
2. 2026-04-23
   historical Active Under Contract

   Show marketing remark (1000 chars)

   This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

3. 2026-04-23
   historical Contingent 1000-char remark

   Show marketing remark (1000 chars)

   This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

4. 2026-04-06
   price $99,900 1000-char remark

   Show marketing remark (1000 chars)

   This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

5. 2026-04-06
   price $99,900

   Show marketing remark (1000 chars)

   This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

6. 2026-02-11
   price $119,900 1000-char remark

   Show marketing remark (1000 chars)

   This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

7. 2026-02-11
   price $119,900

   Show marketing remark (1000 chars)

   This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

8. 2026-01-15
   price $129,900
9. 2026-01-13
   listed $129,900 Active 1000-char remark

   Show marketing remark (1000 chars)

   This well-maintained home features three comfortable bedrooms and one and a half bathrooms, providing practical space for daily living. The single-story design offers convenient accessibility throughout the residence, while the covered front porch creates an inviting entrance. The property sits in an established neighborhood with excellent proximity to local amenities. Families will appreciate being close to both Flomaton Elementary and Flomaton High School, making school commutes simple and convenient. The nearby Flomaton Public Library provides additional educational resources within easy reach. For recreation and leisure activities, Hurricane Park is just minutes away, offering outdoor opportunities for the whole family. This prime location combines the tranquility of residential living with the convenience of having essential services and recreational facilities nearby, creating an ideal setting for comfortable community living. Buyer to verify all information during due diligence.

10. 2025-11-19
    listed $134,900 Active
11. 2022-09-29
    soldstatus $150,000 979-char remark

    Show marketing remark (979 chars)

    Must see updated home! This house is move in ready. Completely updated 3 bedroom 1 and a half bath house is close to Flomaton school buildings and easily accessible to HWY 29, HWY 113 and 15 minutes from I65. Come see this quaint, newly renovated home in Flomaton. It has a brand new HVAC system with an American Standard unit inside and out (top of the line). Along with the new HVAC, all ductwork has also been replaced. New electrical service, main panel and sub panel, new water heater, new interior and exterior doors, new ceiling fans, new switches, receptacles and covers. Matching LED, brushed nickel fixtures throughout as well! Updated kitchen countertops, new kitchen sink and repainted real wood kitchen cabinets with new brushed nickel hardware. Bathrooms have new toilets, vanities and shower. Nothing to be done but move your stuff in! Don’t let this one pass you by. Call to schedule a showing. Home is currently occupied so notice is needed before showing.

12. 2022-09-29
    soldstatus $150,000

    Show marketing remark (979 chars)

    Must see updated home! This house is move in ready. Completely updated 3 bedroom 1 and a half bath house is close to Flomaton school buildings and easily accessible to HWY 29, HWY 113 and 15 minutes from I65. Come see this quaint, newly renovated home in Flomaton. It has a brand new HVAC system with an American Standard unit inside and out (top of the line). Along with the new HVAC, all ductwork has also been replaced. New electrical service, main panel and sub panel, new water heater, new interior and exterior doors, new ceiling fans, new switches, receptacles and covers. Matching LED, brushed nickel fixtures throughout as well! Updated kitchen countertops, new kitchen sink and repainted real wood kitchen cabinets with new brushed nickel hardware. Bathrooms have new toilets, vanities and shower. Nothing to be done but move your stuff in! Don’t let this one pass you by. Call to schedule a showing. Home is currently occupied so notice is needed before showing.

13. 2022-06-08
    listed $157,000 979-char remark

    Show marketing remark (979 chars)

    Must see updated home! This house is move in ready. Completely updated 3 bedroom 1 and a half bath house is close to Flomaton school buildings and easily accessible to HWY 29, HWY 113 and 15 minutes from I65. Come see this quaint, newly renovated home in Flomaton. It has a brand new HVAC system with an American Standard unit inside and out (top of the line). Along with the new HVAC, all ductwork has also been replaced. New electrical service, main panel and sub panel, new water heater, new interior and exterior doors, new ceiling fans, new switches, receptacles and covers. Matching LED, brushed nickel fixtures throughout as well! Updated kitchen countertops, new kitchen sink and repainted real wood kitchen cabinets with new brushed nickel hardware. Bathrooms have new toilets, vanities and shower. Nothing to be done but move your stuff in! Don’t let this one pass you by. Call to schedule a showing. Home is currently occupied so notice is needed before showing.

ⓘ 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: $917 · $76/mo
• Projected year-2 tax: $917 · $76/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 8/10 Severe 7 d/yr ≥106°F today · 20 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: $11,205
• − Mortgage interest: −$5,596
• − Property taxes: −$917
• − Insurance: −$500
• − Repairs & maintenance: −$896
• − Management: −$896
• − Depreciation: −$2,906
• Taxable loss: −$506
• Est. tax savings @ 24.0%: +$122
• After-tax cash flow: $1,270/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: Escambia County
• NCES district ID: 0101350
• Math proficiency: 17% ▼ -27.00%
• Reading proficiency: 39% ▼ -4.00%
• Median HH income: $31,905
• Composite: 22.73/100
• National rank: #8036
• State rank: #83 of 129 in AL

Livability — Flomaton

• Score: 55/100
• State rank: #446
• US rank: #23537

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Flomaton, AL
• Population (ZIP): 3,438

Population outlook (Escambia County) Hauer SSP2

• Today (2025): 36,683 people
• By 2030: 35,844 · -2.3%
• By 2040: 34,393 · -6.2%
• By 2050: 33,109 · -9.7%
• By 2075: 28,305 · -22.8%
• By 2100: 21,091 · -42.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Black 20% Two or more races 5% Native American 2%
• Common ancestry: Serbian 1% Danish 1% Lithuanian 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Escambia

• 2024 margin: Solid R (+46.4) · D 26.6% · R 72.9%
• 2008→2024 swing: -17.8pp toward R · 2008: -28.5pp · 2024: -46.4pp
• All cycles: 2024: R+46.4 2020: R+37.4 2016: R+36.7 2012: R+25.5 2008: R+28.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.81%
• Current HPI: 170.3166
• 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

-36.4% since first listed

13 events — show timeline

• 2026-05-19 Pending — BCAR
• 2026-04-23 Contingent — BCAR
• 2026-04-23 Contingent — PARMLS
• 2026-04-06 Price Changed $99,900 PARMLS
• 2026-04-06 Price Changed $99,900 BCAR
• 2026-02-11 Price Changed $119,900 PARMLS
• 2026-02-11 Price Changed $119,900 BCAR
• 2026-01-15 Price Changed $129,900 BCAR
• 2026-01-13 Listed $129,900 PARMLS
• 2025-11-19 Listed $134,900 BCAR
• 2022-09-29 Sold (Public Records) $150,000 Public Records
• 2022-09-29 Sold (MLS) $150,000 BCAR
• 2022-06-08 Listed $157,000 BCAR

Property tax history

+12.6%/yr

Latest (2025): $917 · +6.0% YoY. Source: county tax records.