2912 Moss Rd · Huntsville, AL 35810

$229,900

4 bd · 1.5 ba · 1,616 sqft · SingleFamily public records · 7 Days on market

Built 1977 0.35 ac lot Est $207k · 11% over

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Why this score? — see what drove the F 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 +12.2/30.0
• Livability +4.1/5.0
• DSCR +3.6/10.0
• Schools +2.9/10.0
• ARV discount +2.5/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Four bedrooms, 3 baths and a huge family room with a fireplace for a great price. Recently remodeled. Fresh paint and new carpet in all bedrooms, LR and DR. Kitchen has new Frigidaire stove & microwave and new Bosch dishwasher. New hot water heater. HVAC in 2010. Kitchen has breakfast area with bay window. Some kitchen cabinets have glass display doors and window overlooking huge back yard. Stone fireplace in the family room & door leading to the back patio. All bedrooms have ceiling fans.

Key facts

• Security system
• Versatile floor plan
• 0.35 acre lot

Tags

• MULTIPLE LIVING AREAS
• VERSATILE FLOOR PLAN
• WOOD-BURNING FIREPLACE
• ROOF JUST 4 YEARS OLD
• HVAC SYSTEM ONLY 6 YEARS OLD
• SECURITY SYSTEM

Property features AI

Finance

• Other: Subdivision: Nob Hill
• HOA & community: No association

Exterior

• Parking: Attached two-car garage; Concrete driveway
• Security: Security system
• Utilities: Public water; Public sewer; Electric service
• Home design: Single-family residence; Multi/split levels; Built in 1977; Not new construction
• Construction: Vinyl siding
• Exterior features: Concrete driveway; Covered porch; Patio

Interior

• Kitchen: Range; Dishwasher
• Bedrooms: Total rooms: 10
• Bathrooms: Two full bathrooms and one half bathroom
• Heating & cooling: Central electric heating; Central electric cooling
• Interior features: Crawl space basement; Fireplace (one)
• Laundry & utility: Electric water heater; Security system

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $-46 ($-557/yr) — negative.
• To cash-flow at today's rent, offer at most $222k (3.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $166k (27.7% below list).
• Recommended offer: $166k (27.7% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.8% in Huntsville — 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 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Huntsville City (urban): math 21% / reading 46% proficiency, ranked #48 of 129 in AL (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: James Dawson Elementary (math 0% / reading 24%, grade F, #536 of 627 statewide, top 88%, 432 students, 88% FRL); Jemison High School (math 12% / reading 12%, grade F, #242 of 305 statewide, top 80%, 843 students, 64% FRL) — zoned schools average 76% FRL vs 46% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 12% at this address vs 34% district-wide (-21 pts) — the specific schools serving this property underperform the Huntsville City average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.1%/yr); 337 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).
• This rent runs 39% of the median local income ($51k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 13y 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.
• Current owner paid $98k; list at $230k implies a 133% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $166,321 (27.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1977 — 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. 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?
5. 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?
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: 0.72% ✗
• Cap rate: 6.05%
• Cash-on-cash: -0.87%
• DSCR: 0.96
• GRM: 11.5

CMA / ARV

• ARV (on-the-fly): $206,848
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2416 Redmont Rd NW	0.51mi	4/2.0	1,629 (+1%)	2mo	$135,000	$83	71
2904 Pulaski Pike NW	0.09mi	4/2.5	1,835 (+14%)	1mo	$219,800	$120	69
3306 Reynolds Dr NW	0.39mi	3/2.0 (-1)	1,636 (+1%)	5mo	$229,000	$140	68
3308 Barton St	0.43mi	3/2.0 (-1)	1,589 (-2%)	3mo	$135,000	$85	67
3701 Broadmor Rd NW	0.55mi	3/2.0 (-1)	1,627 (+1%)	1mo	$208,000	$128	66
3003 Sparkman Dr NW	0.26mi	3/2.0 (-1)	1,460 (-10%)	4mo	$190,000	$130	61
2901 Greenhill Dr NW	0.39mi	3/1.5 (-1)	1,451 (-10%)	5mo	$170,000	$117	56
2602 Carlsbad Dr	0.43mi	3/2.0 (-1)	1,790 (+11%)	3mo	$274,900	$154	53
3015 Mallory Ave NW	0.75mi	3/2.0 (-1)	1,698 (+5%)	2mo	$235,000	$138	48
3400 Brenda St	0.47mi	3/1.5 (-1)	1,376 (-15%)	2mo	$124,000	$90	47
3023 Greenhill Dr	0.47mi	4/2.5	1,386 (-14%)	5mo	$214,000	$154	46
3508 Purdy Dr NW	0.70mi	4/2.0	1,800 (+11%)	3mo	$230,000	$128	44

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -20.7%
• Equity multiple: 0.30×
• Total profit: $-45,199
• Equity at exit: $34,279

10-year hold

• IRR: -21.2%
• Equity multiple: 0.03×
• Total profit: $-62,470
• Equity at exit: $19,878

Cash invested: $64,372 (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 35810

• Home prices YoY: -23.5%
• Rents YoY: -0.1%
• Active inventory: 337
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,663 high
• Mortgage (P&I): −$1,206
• Tax from tax record: −$59 /mo · $707/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$349
• Net cashflow: $-46

Break-even live

Break-even rent $1,722

Max offer price $221,702

Occupancy floor 98%

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: $57,475
• Closing costs: $6,897
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2613 Skyline Dr NW Huntsville, AL	4.0	2.0	1572	$1,695	$1.08	23d	1	0.14mi
2803 Hester Ln NW Huntsville, AL	3.0	1.5	1224	$1,400	$1.14	23d	1	0.31mi
3309 Charleston Ave NW Huntsville, AL	3.0	2.0	1425	$1,375	$0.96	21d	1	0.38mi
3306 Reynolds Dr NW Huntsville, AL	3.0	2.0	1636	$1,800	$1.10	23d	1	0.38mi
3616 Hester Ln NW Huntsville, AL	4.0	2.0	1650	$1,350	$0.82	44d	1	0.38mi
3303 Barton Ave NW Huntsville, AL	3.0	2.0	1750	$1,600	$0.91	44d	1	0.39mi
3203 Dyas Dr NW Huntsville, AL	3.0	2.0	1346	$2,100	$1.56	23d	1	0.45mi
3614 Wilbur Ave NW Huntsville, AL	3.0	1.5	1196	$1,420	$1.19	23d	1	0.49mi
3205 Lewisburg Dr NW Huntsville, AL	3.0	2.0	1408	$1,600	$1.14	23d	1	0.59mi
3505 Mastin Lake Rd NW Huntsville, AL	3.0	2.0	1376	$2,000	$1.45	44d	1	0.60mi
3721 Broadmor Rd NW Huntsville, AL	3.0	1.5	1423	$1,450	$1.02	44d	1	0.70mi
3803 Mastin Lake Rd NW Huntsville, AL	3.0	1.0	1103	$1,295	$1.17	44d	1	0.71mi
2416 Hanover Dr NW Huntsville, AL	3.0	2.0	1300	$1,395	$1.07	44d	1	0.72mi
2502 Hill St NW Huntsville, AL	3.0	1.0	1288	$1,200	$0.93	44d	1	0.72mi
3013 Kirkland Dr NW Huntsville, AL	3.0	1.5	1324	$1,295	$0.98	44d	1	0.73mi
3304 Caywood Dr NW Huntsville, AL	3.0	1.5	1300	$1,475	$1.13	23d	1	0.77mi
2215 Shady Lane Dr NW Huntsville, AL	4.0	1.0	1450	$1,500	$1.03	44d	1	0.78mi
3415 Mimosa Ln NW Huntsville, AL	3.0	2.0	1320	$1,590	$1.20	44d	1	0.79mi
2201 Shady Lane Dr NW Huntsville, AL	3.0	1.5	1472	$3,000	$2.04	44d	1	0.81mi
2706 Norton Ave NW Huntsville, AL	3.0	2.0	1127	$1,098	$0.97	44d	1	0.86mi
2801 Penland Ave NW Huntsville, AL	3.0	2.0	1650	$1,450	$0.88	23d	1	0.87mi
3406 Oakmont Ave NW Huntsville, AL	3.0	2.0	1389	$1,600	$1.15	44d	1	0.90mi
2640 Blue Spring Rd NW Huntsville, AL	1.0–3.0	1.0–2.0	944	$1,149	$1.22	44d	3	0.90mi
2601 Blue Spring Rd NW Huntsville, AL	3.0	1.5	1700	$1,350	$0.79	23d	1	0.92mi
2002 Laverne Dr NW Huntsville, AL	3.0	1.5	1165	$1,100	$0.94	23d	1	0.97mi
2508 Piney Branch Rd NW Huntsville, AL	3.0	1.5	1205	$1,385	$1.15	44d	1	1.03mi
2505 Piney Branch Rd NW Huntsville, AL	3.0	1.5	1222	$1,300	$1.06	23d	1	1.07mi
4700 Sparkman Dr NW Huntsville, AL	3.0	1.5	1554	$1,350	$0.87	23d	1	1.08mi
3100 Gayhart Dr NW Huntsville, AL	3.0	1.0	1050	$1,298	$1.24	44d	1	1.18mi
2519 Birchfield St NW Huntsville, AL	3.0	1.5	1125	$1,195	$1.06	44d	1	1.24mi
4214 Fortson Ln NW Huntsville, AL	3.0	2.0	1308	$1,395	$1.07	44d	1	1.24mi
3423 Rosedale Dr NW Huntsville, AL	3.0	1.0	1145	$1,000	$0.87	44d	1	1.27mi
743 W Arbor Dr NW Huntsville, AL	4.0	2.0	2000	$1,600	$0.80	23d	1	1.30mi
4216 Chalet Cir NW Huntsville, AL	3.0	2.0	1296	$1,500	$1.16	23d	1	1.35mi
4114 Blue Spring Rd NW Huntsville, AL	3.0	2.0	1100	$1,500	$1.36	23d	1	1.35mi
3708 Valleydale Rd NW Huntsville, AL	3.0	1.5	1136	$1,350	$1.19	44d	1	1.39mi
3606 Crestmore Ave NW Huntsville, AL	4.0	2.0	1275	$1,400	$1.10	21d	1	1.40mi
2602 Gibson St NW Huntsville, AL	4.0	2.0	1795	$1,625	$0.91	44d	1	1.41mi
2506 Jeri St NW Huntsville, AL	3.0	1.5	1274	$1,400	$1.10	23d	1	1.41mi
3503 Crestmore Cir NW Huntsville, AL	3.0	2.0	2115	$1,475	$0.70	14d	1	1.42mi

Listing history 6 events

1. 2026-06-18
   days on market $229,900 Active 7 DOM
2. 2026-06-17
   days on market $229,900 Active 6 DOM
3. 2026-06-16
   days on market $229,900 Active 5 DOM
4. 2026-06-15
   days on market $229,900 Active 4 DOM
5. 2026-06-14
   remarks 578-char remark
6. 2026-06-14
   listed $229,900 Active 2 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: $707 · $59/mo
• Projected year-2 tax: $943 · $79/mo
• Expected delta: +$235/yr (+$20/mo · 33.3%)

ⓘ 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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,959
• − Mortgage interest: −$12,878
• − Property taxes: −$707
• − Insurance: −$1,150
• − Repairs & maintenance: −$1,597
• − Management: −$1,597
• − Depreciation: −$6,688
• Taxable loss: −$4,657
• Est. tax savings @ 24.0%: +$1,118
• After-tax cash flow: $561/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: Huntsville City
• NCES district ID: 0101800
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 46% ▬ 0.00%
• Median HH income: $48,264
• Composite: 28.84/100
• National rank: #6647
• State rank: #48 of 129 in AL

Livability — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, AL
• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 32,843
• Household income: $51,233
• Rent vs Own: 36.6% rent · 63.4% own
• Severe rent burden: 1223.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 392,086 people
• By 2030: 409,788 · +4.5%
• By 2040: 440,557 · +12.4%
• By 2050: 460,990 · +17.6%
• By 2075: 502,872 · +28.3%
• By 2100: 513,623 · +31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (69%)
• Race & ethnicity: Black 69% White 18% Hispanic / Latino 9% Two or more races 5%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2% Dominican 2%
• Common ancestry: Italian 2% Lithuanian 0%
• Foreign-born: 6% · Canada
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Madison

• 2024 margin: Lean R (+9.0) · D 44.7% · R 53.7% · Other 1.6%
• 2008→2024 swing: +6.0pp toward D · 2008: -14.9pp · 2024: -9.0pp
• All cycles: 2024: R+9.0 2020: R+8.0 2016: R+16.8 2012: R+18.7 2008: R+14.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.00%
• Current HPI: 198.9629
• Rent YoY: ▬ -0.05%
• Metro: Huntsville, 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

+129.9% since first listed

3 events — show timeline

• 2026-06-11 Listed $229,900 VMLS
• 2013-06-21 Sold (MLS) $98,500 VMLS
• 2013-02-04 Listed $99,999 VMLS

Property tax history

+6.6%/yr

Latest (2024): $707 · +0.0% YoY. Source: county tax records.