3615 Roy Webb Rd · Jacksonville, AL 36265

$139,900

3 bd · 1.0 ba · 1,056 sqft · SingleFamily public records · 54 Days on market

Built 1958 1.01 ac lot $132/sqft · 17% below area Est $168k · 17% under

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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).

• ARV discount +15.0/15.0
• Cash flow +14.2/30.0
• DSCR +4.3/10.0
• 1% rule +4.0/10.0
• Rent growth +3.9/5.0
• Livability +3.5/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

Key facts

• Light filled kitchen
• Tiled backsplash
• Large yard

Tags

• CORNER LOT
• LARGE YARD
• SEMI-OPEN CONCEPT FLOOR PLAN
• LIGHT FILLED KITCHEN
• AMPLE COUNTERSPACE
• TILED BACKSPLASH

Property features AI

Finance

• Financial info: Down payment assistance available
• HOA & community: No association fee

Exterior

• Parking: Circular drive; Driveway parking; Off-street parking; Parking available on main level; One carport space
• Utilities: Public water; Septic system; Gas water heater; Internet service available (T‑Mobile or AT&T)
• Home design: Single-story living areas (main level rooms listed); Brick over foundation with vinyl siding; Crawl space foundation; Existing year-built description
• Construction: Brick over foundation exterior; Vinyl siding
• Exterior features: Open patio; Storage building on property; Some trees; Horses permitted; Corner lot

Interior

• Kitchen: Laminate countertops; Built-in dishwasher; Self-cleaning range; Gas stove; Refrigerator included; Some stainless appliances
• Bedrooms: Master bedroom on main level; Two additional bedrooms on main level; Den/Family room on main level
• Flooring: Hardwood and laminate floors
• Bathrooms: One full bathroom with tub/shower combo; Linen closet in bath area
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Ceilings noted as 'other' — see remarks; All window treatments remain; No additional interior features listed
• Laundry & utility: Laundry room on main level; Washer hookup provided; Electric dryer hookup; Has attic access

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $-102 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $125k (10.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $125k (10.4% below list).
• Recommended offer: $125k (10.5% below list) — sets the bar for cash-flow.
• Cap rate 6.5% vs local median 3.6% in Jacksonville — 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 70/100 on livability (#41 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: crime F, amenities F, commute F.
• Calhoun County (rural): math 19% / reading 49% proficiency, ranked #46 of 129 in AL (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Pleasant Valley Elementary School (math 39% / reading 62%, grade D+, #114 of 627 statewide, top 19%, 484 students, 61% FRL); Pleasant Valley High School (math 21% / reading 48%, grade F, #47 of 305 statewide, top 17%, 422 students, 56% FRL).
• Market conditions: Rents rising fast (+5.6%/yr); 90 active listings in the ZIP; 135 units permitted in Calhoun County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Calhoun County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 54 days — a 3% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y 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 $48k; list at $140k implies a 190% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo; built in 1958 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $125,175 (10.5% 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. It's been on market 54 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
3. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.90% ✗
• Cap rate: 6.49%
• Cash-on-cash: 0.72%
• DSCR: 1.03
• GRM: 9.3

CMA / ARV

• ARV (median comp): $167,829
• List price: $139,900
• Delta: -16.64%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
441 Gray Harrelson Rd	0.66mi	3/1.0	1,161 (+10%)	13mo	$220,000	$189	42

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 · 5.6% rent growth · sell at horizon

5-year hold

• IRR: -18.2%
• Equity multiple: 0.34×
• Total profit: $-25,691
• Equity at exit: $20,860

10-year hold

• IRR: -5.5%
• Equity multiple: 0.60×
• Total profit: $-15,766
• Equity at exit: $12,096

Cash invested: $39,172 (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 36265

• Home prices YoY: -26.1%
• Rents YoY: 5.6%
• Active inventory: 90
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,254 medium
• Mortgage (P&I): −$734
• Tax est. 1.5%: −$175 /mo · $2,098/yr
• Insurance: −$58
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $-102

Break-even live

Break-even rent $1,382

Max offer price $125,175

Occupancy floor —

Sensitivity live

Price	-10% $-5	-5% $-53	+0% $-102	+5% $-150	+10% $-198
Rent	-10% $-201	-5% $-151	+0% $-102	+5% $-52	+10% $-3
Rate	-1.0pp $-31	-0.5pp $-66	base $-102	+0.5pp $-138	+1.0pp $-175

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-21
   days on market $139,900 Active 54 DOM
2. 2026-06-19
   days on market $139,900 Active 52 DOM
3. 2026-06-18
   days on market $139,900 Active 51 DOM
4. 2026-06-17
   days on market $139,900 Active 50 DOM
5. 2026-06-16
   days on market $139,900 Active 49 DOM
6. 2026-06-15
   days on market $139,900 Active 48 DOM
7. 2026-06-14
   days on market $139,900 Active 46 DOM
8. 2026-06-13
   days on market $139,900 Active 45 DOM
9. 2026-06-10
   days on market $139,900 Active 43 DOM
10. 2026-06-09
    days on market $139,900 Active 42 DOM
11. 2026-06-08
    days on market $139,900 Active 41 DOM
12. 2026-06-07
    days on market $139,900 Active 40 DOM
13. 2026-06-05
    days on market $139,900 Active 37 DOM
14. 2026-06-03
    days on market $139,900 Active 36 DOM
15. 2026-06-02
    days on market $139,900 Active 35 DOM
16. 2026-06-01
    days on market $139,900 Active 34 DOM
17. 2026-05-31
    days on market $139,900 Active 33 DOM
18. 2026-05-30
    days on market $139,900 Active 32 DOM
19. 2026-05-07
    status Active 891-char remark
20. 2026-05-01
    historical Contingent 891-char remark
21. 2026-04-27
    listed $144,900 Active 891-char remark
22. 2018-09-18
    soldstatus $48,250 Sold 334-char remark

    Show marketing remark (334 chars)

    Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

23. 2018-09-18
    soldstatus $48,250

    Show marketing remark (334 chars)

    Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

24. 2018-08-16
    historical Contingent 334-char remark

    Show marketing remark (334 chars)

    Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

25. 2018-07-25
    price $54,900 334-char remark

    Show marketing remark (334 chars)

    Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

26. 2018-07-02
    status Active 334-char remark

    Show marketing remark (334 chars)

    Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

27. 2018-06-27
    historical Contingent 334-char remark

    Show marketing remark (334 chars)

    Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

28. 2018-06-07
    listed $59,900 Active 334-char remark

    Show marketing remark (334 chars)

    Cute three bedroom, one bath home situated on over an acre in Pleasant Valley area. Many upgrades include new cabinets in kitchen, stove, shower unit, flooring and front doors. Upgraded wiring and new breaker box. Gas and water plumbing all the way to the road. Won't last long at this price. Call to set up your own personal showing.

29. 2016-08-11
    price $69,000

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

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone A · 99% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 24% 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: $15,042
• − Mortgage interest: −$7,837
• − Property taxes: −$2,098
• − Insurance: −$2,202
• − Repairs & maintenance: −$1,203
• − Management: −$1,203
• − Depreciation: −$4,070
• Taxable loss: −$3,572
• Est. tax savings @ 24.0%: +$857
• After-tax cash flow: $-364/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: Calhoun County
• NCES district ID: 0100540
• Math proficiency: 19% ▼ -26.00%
• Reading proficiency: 49% ▬ 0.00%
• Median HH income: $44,891
• Composite: 28.91/100
• National rank: #6635
• State rank: #46 of 129 in AL

Livability — Jacksonville

• Score: 70/100
• State rank: #41
• US rank: #7385

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Calhoun County · 71,763 people
• City population: 22,452
• Metro: Anniston-Oxford, AL
• Population (ZIP): 22,452
• Household income: $55,294
• Rent vs Own: 35.5% rent · 64.5% own
• Severe rent burden: 476.0

Population outlook (Calhoun County) Hauer SSP2

• Today (2025): 109,765 people
• By 2030: 105,708 · -3.7%
• By 2040: 96,192 · -12.4%
• By 2050: 86,413 · -21.3%
• By 2075: 63,467 · -42.2%
• By 2100: 44,704 · -59.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 15% Two or more races 4% Hispanic / Latino 4%
• Common ancestry: Slovak 3% Serbian 2% Italian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Calhoun

• 2024 margin: Solid R (+44.8) · D 27.2% · R 71.9%
• 2008→2024 swing: -12.2pp toward R · 2008: -32.5pp · 2024: -44.8pp
• All cycles: 2024: R+44.8 2020: R+39.0 2016: R+41.4 2012: R+31.9 2008: R+32.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -59.38%
• Current HPI: 167.7493
• Rent YoY: ▲ 5.60%
• Metro: Anniston-Oxford, 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

+102.8% since first listed

12 events — show timeline

• 2026-05-22 Price Changed $139,900 Greater Alabama MLS
• 2026-05-07 Relisted — Greater Alabama MLS
• 2026-05-01 Contingent — Greater Alabama MLS
• 2026-04-27 Listed $144,900 Greater Alabama MLS
• 2018-09-18 Sold (Public Records) $48,250 Public Records
• 2018-09-18 Sold (MLS) $48,250 Greater Alabama MLS
• 2018-08-16 Contingent — Greater Alabama MLS
• 2018-07-25 Price Changed $54,900 Greater Alabama MLS
• 2018-07-02 Relisted — Greater Alabama MLS
• 2018-06-27 Contingent — Greater Alabama MLS
• 2018-06-07 Listed $59,900 Greater Alabama MLS
• 2016-08-11 Price Changed $69,000 Greater Alabama MLS

Property tax history

-3.0%/yr

Latest (2025): $242 · +0.0% YoY. Source: county tax records.