115 Jane Dr · Hazel Green, AL 35750

$259,999

3 bd · 1.0 ba · 1,453 sqft · SingleFamily public records · 6 Days on market

Built 1987 0.48 ac lot Est $247k · 5% 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).

• Appreciation +10.0/10.0
• Cash flow +8.1/30.0
• ARV discount +5.1/15.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.2/10.0
• 1% rule +1.4/10.0

Listing remarks

Home Sweet Home in Hazel Green! No HOA. , Full Brick Rancher on . 48 of an acre. All new windows, LPV throughout, Granite counter tops , appliances one year new, fresh paint! Enjoy Evenings on the spacious front Porch! Great room with soaring ceiling and wood burning fireplace!Perfect first time buyer property. Private deck and Private backyard! Trees back up to the lot. Perfect for entertaining family and friends! Private road to the left of the house. Must see today! Won't last!

Key facts

• 0.48 acre lot
• 2 garage spots
• Built 1987

Property features AI

Finance

• Other: Property listed as residential single-family; Living area reported as 1,617 square feet
• HOA & community: No homeowners association; Subdivision: Whispering Winds

Exterior

• Parking: Two-car garage
• Utilities: Septic tank
• Home design: Single-family residence; One level; Built in 1987
• Construction: Brick construction
• Exterior features: Crawl space foundation; Lot approximately 0.48 acres (about 120 x 175)

Interior

• Kitchen: Range; Dishwasher; Refrigerator; Electric water heater
• Bedrooms: 6 total rooms (bedroom count not specified)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Masonry fireplace (one)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $-250 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $216k (17.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $167k (35.9% below list).
• Recommended offer: $167k (35.9% below list) — sets the bar for 1% rule.
• Cap rate 5.1% vs local median 3.9% in Hazel Green — 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 69/100 on livability (#54 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment F.
• Madison County (rural): math 27% / reading 56% proficiency, ranked #19 of 129 in AL (top 15%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Hazel Green Elementary School (math 23% / reading 58%, grade F, #238 of 627 statewide, top 38%, 738 students, 50% FRL); Meridianville Middle School (math 19% / reading 62%, grade F, #56 of 257 statewide, top 22%, 724 students, 45% FRL); Hazel Green High School (math 23% / reading 31%, grade F, #90 of 305 statewide, top 35%, 1,348 students, 42% FRL) — zoned schools average 46% FRL vs 29% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 260 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• In year one you build about $28k of equity ($2k loan paydown + $26k appreciation (10.0% local appreciation)).
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

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 $166,607 (35.9% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.64% ✗
• Cap rate: 5.14%
• Cash-on-cash: -4.12%
• DSCR: 0.82
• GRM: 13.0

CMA / ARV

• ARV (on-the-fly): $247,010
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
233 Tobin Ln	0.23mi	3/2.0	1,537 (+6%)	0mo	$240,000	$156	75
298 Keller Dr	0.34mi	3/2.0	1,484 (+2%)	2mo	$269,644	$182	75
104 Karenlee Cir	0.44mi	3/2.0	1,474 (+1%)	2mo	$251,900	$171	71
147 Butch Cir	0.25mi	3/2.0	1,269 (-13%)	1mo	$254,900	$201	62
152 Cherry Laurel Dr	0.32mi	3/2.0	1,620 (+12%)	0mo	$259,000	$160	62
295 Keller Dr	0.30mi	3/2.0	1,620 (+12%)	3mo	$274,900	$170	60
169 Keller Dr	0.56mi	3/2.0	1,537 (+6%)	1mo	$261,900	$170	59
309 Keller Dr	0.36mi	3/2.0	1,620 (+12%)	2mo	$284,900	$176	58
584 Charity Ln	0.56mi	3/2.0	1,615 (+11%)	0mo	$230,000	$142	51
576 Charity Ln	0.54mi	3/2.0	1,636 (+13%)	3mo	$260,000	$159	48
145 Hazel Trce	0.73mi	3/2.0	1,600 (+10%)	1mo	$262,500	$164	45
163 Whitner Dr	0.45mi	4/2.0 (+1)	1,667 (+15%)	1mo	$249,280	$150	44

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.3%
• Equity multiple: 2.73×
• Total profit: $125,584
• Equity at exit: $234,228

10-year hold

• IRR: 19.3%
• Equity multiple: 6.25×
• Total profit: $382,096
• Equity at exit: $505,121

Cash invested: $72,800 (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 35750

• Home prices YoY: 8.2%
• Active inventory: 260
• Price-to-rent: 13.0×

Monthly cashflow live

• Estimated rent: $1,666 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$94 /mo · $1,129/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$350
• Net cashflow: $-250

Break-even live

Break-even rent $1,982

Max offer price $215,893

Occupancy floor —

Sensitivity live

Price	-10% $-102	-5% $-176	+0% $-250	+5% $-323	+10% $-397
Rent	-10% $-381	-5% $-315	+0% $-250	+5% $-184	+10% $-118
Rate	-1.0pp $-119	-0.5pp $-184	base $-250	+0.5pp $-317	+1.0pp $-386

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: $65,000
• Closing costs: $7,800
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
117 Hank Ct Hazel Green, AL	3.0	2.0	1517	$1,650	$1.09	45d	1	0.28mi
137 Hazel Pine Trl Hazel Green, AL	3.0	2.0	1482	$1,650	$1.11	25d	1	0.30mi
189 Tobin Ln Hazel Green, AL	3.0	2.0	1685	$1,775	$1.05	15d	1	0.34mi
108 Karenlee Cir Hazel Green, AL	4.0	2.0	1666	$1,685	$1.01	25d	1	0.38mi
143 Havner Dr Hazel Green, AL	4.0	2.0	1667	$1,775	$1.06	15d	1	0.48mi
171 Keller Dr Hazel Green, AL	3.0	2.0	1683	$1,616	$0.96	45d	1	0.53mi
169 Keller Dr Hazel Green, AL	3.0	2.0	1537	$1,665	$1.08	15d	1	0.53mi
100 Brook Glen Dr Hazel Green, AL	3.0	2.0	1336	$1,595	$1.19	15d	1	0.53mi
149 Hazel Trce Hazel Green, AL	3.0	2.0	1628	$1,695	$1.04	15d	1	0.78mi
120 Grip Dr Hazel Green, AL	4.0	2.0	1732	$1,823	$1.05	23d	1	1.39mi
109 Bullard Rd Apt A6 Hazel Green, AL	2.0	2.0	1008	$1,200	$1.19	45d	1	1.47mi
109 Bullard Rd Unit C-5 Hazel Green, AL	2.0	2.0	1008	$1,100	$1.09	45d	1	1.47mi

Listing history 6 events

1. 2026-06-14
   status $259,999 Pending 6 DOM
2. 2026-06-10
   days on market $259,999 Active 6 DOM
3. 2026-06-09
   days on market $259,999 Active 5 DOM
4. 2026-06-08
   days on market $259,999 Active 4 DOM
5. 2026-06-07
   remarks 486-char remark
6. 2026-06-07
   listed $259,999 Active 3 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: $1,129 · $94/mo
• Projected year-2 tax: $1,129 · $94/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 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,993
• − Mortgage interest: −$14,564
• − Property taxes: −$1,129
• − Insurance: −$1,300
• − Repairs & maintenance: −$1,599
• − Management: −$1,599
• − Depreciation: −$7,564
• Taxable loss: −$7,763
• Est. tax savings @ 24.0%: +$1,863
• After-tax cash flow: $-1,133/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: Madison County
• NCES district ID: 0102220
• Math proficiency: 27% ▼ -32.00%
• Reading proficiency: 56% ▼ -1.00%
• Median HH income: $66,058
• Composite: 37.15/100
• National rank: #4483
• State rank: #19 of 129 in AL

Livability — Hazel Green

• Score: 69/100
• State rank: #54
• US rank: #8575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Madison County · 380,832 people
• City population: 13,413
• Metro: Huntsville, AL
• Population (ZIP): 13,413
• Household income: $68,389
• Rent vs Own: 14.7% rent · 85.3% own
• Severe rent burden: 162.0

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 White (71%)
• Race & ethnicity: White 71% Black 19% Asian 5% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Serbian 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 2% Chinese 1% Korean 1%

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: ▲ 33.59%
• Current HPI: 444.7418
• Rent YoY: —
• 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

1 event — show timeline

• 2026-06-04 Listed $259,999 VMLS

Property tax history

+4.6%/yr

Latest (2024): $1,129 · +0.0% YoY. Source: county tax records.