1474 Archers Cove Way · Springville, AL 35146

$274,900

4 bd · 1.5 ba · 2,634 sqft · SingleFamily public records · 72 Days on market

Built 2020 Good condition 8,712 sqft lot Est $374k · 27% under ↓ 12% 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 +18.6/30.0
• ARV discount +15.0/15.0
• DSCR +5.9/10.0
• 1% rule +4.1/10.0
• Condition / age +4.0/5.0
• Livability +3.6/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

Key facts

• Open-concept kitchen
• Soaking tub
• Walk-in closet

Tags

• OPEN-CONCEPT KITCHEN
• GREAT ROOM
• PRIMARY SUITE
• SOAKING TUB
• SEPARATE SHOWER
• WALK-IN CLOSET

Property features AI

Finance

• Financial info: Down payment assistance available
• HOA & community: Archers Cove subdivision; Community pool

Exterior

• Parking: Front garage entry; 1 garage space; 2 carport spaces; Driveway parking
• Utilities: Public water; Connected sewer; Gas water heater; Underground utilities; Internet service availability unknown
• Home design: Existing home; Not a log home; Not split level / not tri-level / no split foyer
• Construction: Hardiplank and vinyl siding; Slab foundation
• Exterior features: Open patio; Porch; Garden/patio area; Lighting system; Sprinkler system; Community in-ground pool

Interior

• Kitchen: Solid surface countertops; Built-in dishwasher; Built-in microwave; Gas stove
• Bedrooms: Three bedrooms on the main level; Walk-in closets
• Flooring: Carpet; Tile
• Bathrooms: Two full bathrooms and one half bathroom; Garden tub; Separate shower; Separate vanities
• Heating & cooling: Central heating (electric); Central cooling (electric)
• Interior features: Smooth ceilings; Recessed lighting
• Laundry & utility: Main-level laundry room with washer hookup and electric dryer hookup; Pull-down attic

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $275k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $267 ($3k/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 $249k (9.5% below list).
• Recommended offer: $249k (9.5% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 4.3% in Springville — 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 72/100 on livability (#30 in AL) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A-; Watch: amenities F, commute F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Springville Elementary School (math 36% / reading 67%, grade C-, #110 of 627 statewide, top 18%, 978 students, 34% FRL); Springville High School (math 37% / reading 32%, grade F, #47 of 305 statewide, top 17%, 766 students, 33% FRL).
• Market conditions: 172 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 557 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).
• This rent runs 34% of the median local income ($87k/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 $8k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($258k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 5y ago; this cycle's ask has dropped $20k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $248,825 (9.5% below list)

Questions for the listing agent

1. It's been on market 72 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.91% ✗
• Cap rate: 7.46%
• Cash-on-cash: 4.16%
• DSCR: 1.19
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $374,028
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1315 Archer's Cove Way	0.18mi	5/2.5 (+1)	2,629 (-0%)	1mo	$291,000	$111	82
385 Archers Brook Dr	0.41mi	5/2.5 (+1)	2,632 (-0%)	2mo	$374,900	$142	70
1201 Archers Cove Ln	0.26mi	3/2.5 (-1)	2,800 (+6%)	2mo	$340,000	$121	67
390 Archers Brook Dr	0.40mi	5/3.0 (+1)	2,511 (-5%)	1mo	$342,900	$137	62
370 Archers Brook Dr	0.40mi	5/3.0 (+1)	2,511 (-5%)	2mo	$348,100	$139	60
278 Archers Brook Way	0.40mi	5/3.0 (+1)	2,511 (-5%)	3mo	$354,900	$141	60
360 Archers Brook Dr	0.40mi	4/3.0	2,400 (-9%)	1mo	$364,900	$152	60
365 Archers Brook Dr	0.41mi	4/2.5	2,340 (-11%)	2mo	$327,900	$140	57
141 Archers Brook Ln	0.35mi	4/2.5	2,256 (-14%)	2mo	$332,000	$147	54
355 Archers Brook Dr	0.41mi	4/2.5	2,256 (-14%)	2mo	$329,900	$146	51
430 Archers Brook Dr	0.42mi	4/3.0	2,273 (-14%)	3mo	$374,900	$165	49
403 Archers Brook Way	0.54mi	4/3.0	2,273 (-14%)	0mo	$383,400	$169	46

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -9.8%
• Equity multiple: 0.64×
• Total profit: $-27,635
• Equity at exit: $40,988

10-year hold

• IRR: -0.5%
• Equity multiple: 0.97×
• Total profit: $-2,528
• Equity at exit: $23,768

Cash invested: $76,972 (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 35146

• Home prices YoY: -15.8%
• Active inventory: 172
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,488 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$143 /mo · $1,713/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$523
• Net cashflow: $267

Break-even live

Break-even rent $2,150

Max offer price $274,900

Occupancy floor 84%

Sensitivity live

Price	-10% $422	-5% $345	+0% $267	+5% $189	+10% $111
Rent	-10% $70	-5% $169	+0% $267	+5% $365	+10% $463
Rate	-1.0pp $405	-0.5pp $337	base $267	+0.5pp $196	+1.0pp $123

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: $68,725
• Closing costs: $8,247
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1448 Archers Cove Way Springville, AL	3.0	2.5	2175	$1,975	$0.91	16d	1	0.05mi
1398 Archers Cove Way Springville, AL	5.0	3.0	2534	$2,825	$1.11	2d	1	0.11mi
380 Archers Brook Dr Springville, AL	4.0	3.0	2340	$2,070	$0.88	44d	1	0.43mi
365 Archers Brook Dr Springville, AL	4.0	2.5	2340	$2,025	$0.87	2d	1	0.45mi

Listing history 23 events

1. 2026-06-18
   days on market $274,900 Active 72 DOM
2. 2026-06-17
   days on market $274,900 Active 71 DOM
3. 2026-06-16
   days on market $274,900 Active 70 DOM
4. 2026-06-15
   days on market $274,900 Active 69 DOM
5. 2026-06-13
   days on market $274,900 Active 67 DOM
6. 2026-06-10
   days on market $274,900 Active 64 DOM
7. 2026-06-09
   days on market $274,900 Active 63 DOM
8. 2026-06-08
   days on market $274,900 Active 62 DOM
9. 2026-06-07
   days on market $274,900 Active 61 DOM
10. 2026-06-03
    days on market $274,900 Active 57 DOM
11. 2026-06-02
    days on market $274,900 Active 56 DOM
12. 2026-06-01
    days on market $274,900 Active 55 DOM
13. 2026-05-31
    days on market $274,900 Active 54 DOM
14. 2026-05-13
    price $274,900
15. 2026-04-07
    listed $295,000 Active
16. 2022-02-25
    soldstatus $325,250 Sold 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

17. 2022-02-24
    status Pending 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

18. 2022-01-05
    historical 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

19. 2021-12-31
    price $324,100 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

20. 2021-12-15
    price $322,100 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

21. 2021-12-04
    price $320,100 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

22. 2021-11-17
    price $317,100 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

23. 2021-11-05
    listed $314,100 Active 874-char remark

    Show marketing remark (874 chars)

    This BEAUTIFUL two level living home provides a large living room, with 4 spacious bedrooms, 2.5 baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. The upstairs Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Also, upstairs is a large bonus room. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk Revwood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

ⓘ 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: $1,713 · $143/mo
• Projected year-2 tax: $1,713 · $143/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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,859
• − Mortgage interest: −$15,399
• − Property taxes: −$1,713
• − Insurance: −$1,374
• − Repairs & maintenance: −$2,389
• − Management: −$2,389
• − Depreciation: −$7,997
• Taxable loss: −$1,401
• Est. tax savings @ 24.0%: +$336
• After-tax cash flow: $3,539/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.

Condition & rehab AI · 11 photos

Good 80/100 Cosmetic rehab

This well-maintained, open-concept home in a desirable community offers a good investment opportunity with minimal updates needed.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics
• Both Landscaping and curb appeal improvements — Improves overall curb appeal
• Both New flooring in bathrooms — Modernizes bathrooms and improves aesthetics
• Both New kitchen appliances — Modernizes kitchen and improves functionality

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping and curb appeal improvements — Improves overall curb appeal ↑
• Both New flooring in bathrooms — Modernizes bathrooms and improves aesthetics ↑
• Both New kitchen appliances — Modernizes kitchen and improves functionality ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Springville

• Score: 72/100
• State rank: #30
• US rank: #6213

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Springville, AL
• County: Saint Clair County · 54,404 people
• City population: 13,973
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 13,973
• Household income: $86,614
• Rent vs Own: 11.8% rent · 88.2% own
• Severe rent burden: 39.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 11% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Slovak 4% Italian 1% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% German/W. Germanic 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.81%
• Current HPI: 228.507
• Rent YoY: —
• Metro: Birmingham-Hoover, 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

-12.5% since first listed

10 events — show timeline

• 2026-05-13 Price Changed $274,900 Greater Alabama MLS
• 2026-04-07 Listed $295,000 Greater Alabama MLS
• 2022-02-25 Sold (MLS) $325,250 Greater Alabama MLS
• 2022-02-24 Pending — Greater Alabama MLS
• 2022-01-05 Delisted — Greater Alabama MLS
• 2021-12-31 Price Changed $324,100 Greater Alabama MLS
• 2021-12-15 Price Changed $322,100 Greater Alabama MLS
• 2021-12-04 Price Changed $320,100 Greater Alabama MLS
• 2021-11-17 Price Changed $317,100 Greater Alabama MLS
• 2021-11-05 Listed $314,100 Greater Alabama MLS

Property tax history

+60.2%/yr

Latest (2025): $1,713 · +0.0% YoY. Source: county tax records.