2527 Clower St · Montgomery, AL 36107

$79,900

3 bd · 1.0 ba · 1,020 sqft · SingleFamily public records · 188 Days on market

Built 1955 9,147 sqft lot $78/sqft · 60% above area

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Why this score? — see what drove the B- 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.2/10.0
• ARV discount +7.5/15.0
• Rent growth +3.8/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great newly renovated home for first time home buyer or investor looking for a good clean rental. This is a 3 bedroom 1 bath home that has new flooring, paint and all new cabinets for the kitchen and bath. Great home and move in ready!

Key facts

• New flooring
• New paint
• New cabinets

Tags

• NEWLY RENOVATED
• NEW FLOORING
• NEW PAINT
• NEW CABINETS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $348 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities D-.
• Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — 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.
• Zoned schools: Highland Gardens Elementary School (math 2% / reading 17%, grade F, #568 of 627 statewide, top 94%, 471 students, 94% FRL); Capitol Heights Middle School (math 0% / reading 15%, grade F, #241 of 257 statewide, top 95%, 655 students, 97% FRL); Lee High School (math 2% / reading 8%, grade F, #276 of 305 statewide, top 95%, 1,374 students, 86% FRL) — zoned schools average 92% FRL vs 70% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 8% at this address vs 20% district-wide (-12 pts) — the specific schools serving this property underperform the Montgomery County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+5.0%/yr); 67 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Montgomery County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 5.0% rent growth), your $22k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 188 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 23y ago; this cycle's ask has dropped $10k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $20k; list at $80k implies a 300% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 188 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 1955 — 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. 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?
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: 1.32% ✓
• Cap rate: 11.53%
• Cash-on-cash: 18.69%
• DSCR: 1.83
• GRM: 6.3

CMA / ARV

• ARV (median comp): $50,044
• List price: $79,900
• Delta: 79.64%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2003 Miller St	0.23mi	2/1.0 (-1)	1,044 (+2%)	2mo	$54,000	$52	78
1515 Baffin Ct	0.63mi	3/1.0	1,025 (+0%)	3mo	$26,000	$25	67
1544 Gibson St	0.75mi	3/1.0	1,025 (+0%)	2mo	$52,000	$51	62
1945 Gibson St	0.68mi	3/1.0	1,045 (+2%)	2mo	$23,000	$22	62
1930 Gibson St	0.65mi	3/2.0	1,040 (+2%)	4mo	$63,500	$61	59
3123 Fairground Rd	0.65mi	3/1.0	962 (-6%)	2mo	$64,000	$67	58
1800 Cotton Ct	0.68mi	3/1.0	962 (-6%)	5mo	$62,500	$65	54
1825 Texas Ct	0.52mi	3/1.0	925 (-9%)	7mo	$50,000	$54	54
1818 Austin St	0.55mi	3/1.0	925 (-9%)	7mo	$66,980	$72	53
3129 Cabot St	0.67mi	3/2.0	1,099 (+8%)	1mo	$17,501	$16	51
1848 Gibson St	0.64mi	3/1.0	925 (-9%)	7mo	$50,000	$54	49
3025 Baffin Dr	0.64mi	3/1.0	1,146 (+12%)	6mo	$50,000	$44	45

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 · 5.05% rent growth · sell at horizon

5-year hold

• IRR: 12.6%
• Equity multiple: 1.51×
• Total profit: $11,438
• Equity at exit: $11,913

10-year hold

• IRR: 22.9%
• Equity multiple: 3.14×
• Total profit: $47,926
• Equity at exit: $6,908

Cash invested: $22,372 (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 36107

• Home prices YoY: -10.9%
• Rents YoY: 5.0%
• Active inventory: 67
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,054 high
• Mortgage (P&I): −$419
• Tax from tax record: −$32 /mo · $386/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$221
• Net cashflow: $348

Break-even live

Break-even rent $613

Max offer price $79,900

Occupancy floor 62%

Sensitivity live

Price	-10% $394	-5% $371	+0% $348	+5% $326	+10% $303
Rent	-10% $265	-5% $307	+0% $348	+5% $390	+10% $432
Rate	-1.0pp $389	-0.5pp $369	base $348	+0.5pp $328	+1.0pp $307

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2503 Skyline Ave Montgomery, AL	3.0	1.0	1015	$1,150	$1.13	45d	1	0.10mi
2006 Harmon St Unit 3 Montgomery, AL	3.0	1.0	800	$500	$0.62	45d	1	0.18mi
2001 Speigle St Montgomery, AL	3.0	1.0	1260	$1,035	$0.82	45d	1	0.20mi
2019 Amos St Montgomery, AL	3.0	1.5	1134	$985	$0.87	45d	1	0.45mi
1324 Federal Dr Montgomery, AL	2.0	1.0	1000	$1,100	$1.10	45d	1	0.51mi
1817 Texas Ct Montgomery, AL	3.0	1.0	925	$1,050	$1.14	22d	1	0.54mi
2056 Midway St Montgomery, AL	3.0	1.0	1110	$985	$0.89	45d	1	0.55mi
2076 Midway St Montgomery, AL	3.0	1.0	1068	$1,000	$0.94	45d	1	0.58mi
3008 Cabot St Montgomery, AL	4.0	2.0	1300	$1,150	$0.88	45d	1	0.60mi
3050 Willena Ave Montgomery, AL	3.0	1.0	1466	$985	$0.67	22d	1	0.61mi
3042 George B Edmondson Dr Montgomery, AL	3.0	1.0	900	$860	$0.96	45d	1	0.65mi
517 N Florida St Unit B Montgomery, AL	2.0	1.0	900	$750	$0.83	45d	1	0.66mi
2023 Windsor Ave Montgomery, AL	2.0	1.0	889	$895	$1.01	45d	1	0.70mi
424 N California St Apt D Montgomery, AL	2.0	1.0	850	$778	$0.92	22d	1	0.72mi
3114 Cotton St Montgomery, AL	3.0	1.0	888	$1,100	$1.24	45d	1	0.72mi
2122 Windsor Ave Montgomery, AL	2.0	1.0	1052	$725	$0.69	45d	1	0.75mi
508 Glenmore Rd Montgomery, AL	2.0	1.0	1135	$1,000	$0.88	45d	1	0.75mi
2009 Yancey Ave Montgomery, AL	3.0	1.0	1140	$1,080	$0.95	22d	1	0.82mi
2111 Yarbrough St Montgomery, AL	3.0	1.0	962	$795	$0.83	45d	1	0.89mi
3329 Texas St Montgomery, AL	3.0	1.0	1000	$1,100	$1.10	45d	1	0.91mi
2107 Yarbrough Cir Montgomery, AL	3.0	1.0	910	$925	$1.02	45d	1	0.91mi
1653 N Yarbrough Ct Montgomery, AL	3.0	1.0	1130	$950	$0.84	22d	1	0.92mi
2310 Yancey Ave Montgomery, AL	3.0	1.0	1212	$1,250	$1.03	45d	1	0.94mi
2243 Winona Ave Montgomery, AL	3.0	1.0	1492	$1,225	$0.82	22d	1	0.95mi
3452 Harris St Montgomery, AL	3.0	1.0	1400	$1,150	$0.82	22d	1	1.05mi
108 Calhoun Rd Unit 108B Montgomery, AL	2.0	1.0	1350	$750	$0.56	45d	1	1.06mi
2229 Madison Ave Montgomery, AL	2.0	1.0	1100	$625	$0.57	45d	1	1.10mi
218 Broadway St Montgomery, AL	2.0	1.0	960	$895	$0.93	15d	1	1.14mi
1827 Capitol Ave Montgomery, AL	2.0	1.0	1068	$1,600	$1.50	45d	1	1.15mi
1827 Capitol Ave Montgomery, AL	2.0	1.0	1068	$1,600	$1.50	15d	1	1.15mi
298 Broadway St Montgomery, AL	2.0	1.0	896	$900	$1.00	45d	1	1.15mi
1415 Madison Ave Apt E Montgomery, AL	2.0	1.0	825	$1,095	$1.33	15d	1	1.16mi
7 Calhoun Rd Unit B Montgomery, AL	2.0	1.0	961	$850	$0.88	45d	1	1.16mi
39 S Lewis St Montgomery, AL	2.0	1.0	1209	$950	$0.79	45d	1	1.20mi
341 Chisholm St Montgomery, AL	3.0	1.0	756	$1,195	$1.58	22d	1	1.25mi
3613 Erwin Dr Montgomery, AL	3.0	2.0	1092	$1,250	$1.14	45d	1	1.26mi
216 Gardendale Dr Montgomery, AL	3.0	1.0	900	$850	$0.94	22d	1	1.26mi
15 Bradley Dr Montgomery, AL	3.0	2.0	1365	$1,500	$1.10	22d	1	1.27mi
2113 Brewton St Montgomery, AL	3.0	1.0	1363	$1,150	$0.84	45d	1	1.27mi
700 Coliseum Blvd Unit 700D Montgomery, AL	2.0	1.0	911	$895	$0.98	45d	1	1.28mi

Listing history 32 events

1. 2026-06-21
   pricedays on market $79,900 Active 188 DOM
2. 2026-06-18
   days on market $89,900 Active 185 DOM
3. 2026-06-17
   days on market $89,900 Active 184 DOM
4. 2026-06-16
   days on market $89,900 Active 183 DOM
5. 2026-06-15
   days on market $89,900 Active 182 DOM
6. 2026-06-14
   days on market $89,900 Active 180 DOM
7. 2026-06-13
   days on market $89,900 Active 179 DOM
8. 2026-06-10
   days on market $89,900 Active 177 DOM
9. 2026-06-09
   days on market $89,900 Active 176 DOM
10. 2026-06-08
    days on market $89,900 Active 175 DOM
11. 2026-06-07
    days on market $89,900 Active 174 DOM
12. 2026-06-03
    days on market $89,900 Active 170 DOM
13. 2026-06-02
    days on market $89,900 Active 169 DOM
14. 2026-06-01
    days on market $89,900 Active 168 DOM
15. 2026-05-31
    days on market $89,900 Active 167 DOM
16. 2026-05-30
    days on market $89,900 Active 166 DOM
17. 2026-04-27
    status Active 235-char remark

    Show marketing remark (235 chars)

    Great newly renovated home for first time home buyer or investor looking for a good clean rental. This is a 3 bedroom 1 bath home that has new flooring, paint and all new cabinets for the kitchen and bath. Great home and move in ready!

18. 2026-03-23
    status Active 235-char remark

    Show marketing remark (235 chars)

    Great newly renovated home for first time home buyer or investor looking for a good clean rental. This is a 3 bedroom 1 bath home that has new flooring, paint and all new cabinets for the kitchen and bath. Great home and move in ready!

19. 2026-03-12
    historical Contingent 235-char remark

    Show marketing remark (235 chars)

    Great newly renovated home for first time home buyer or investor looking for a good clean rental. This is a 3 bedroom 1 bath home that has new flooring, paint and all new cabinets for the kitchen and bath. Great home and move in ready!

20. 2025-12-14
    status Active 235-char remark

    Show marketing remark (235 chars)

    Great newly renovated home for first time home buyer or investor looking for a good clean rental. This is a 3 bedroom 1 bath home that has new flooring, paint and all new cabinets for the kitchen and bath. Great home and move in ready!

21. 2025-10-26
    historical 235-char remark

    Show marketing remark (235 chars)

    Great newly renovated home for first time home buyer or investor looking for a good clean rental. This is a 3 bedroom 1 bath home that has new flooring, paint and all new cabinets for the kitchen and bath. Great home and move in ready!

22. 2025-10-21
    listed $89,900 Active 235-char remark

    Show marketing remark (235 chars)

    Great newly renovated home for first time home buyer or investor looking for a good clean rental. This is a 3 bedroom 1 bath home that has new flooring, paint and all new cabinets for the kitchen and bath. Great home and move in ready!

23. 2020-02-19
    soldstatus $20,000
24. 2011-04-01
    soldstatus $27,500
25. 2011-03-31
    soldstatus $22,500 181-char remark

    Show marketing remark (181 chars)

    Clean brick house in good condition. Three bedrooms and one bath. Great rental potential. Call today for a tour of this very affordable home. "Property to be sold as is. "

26. 2010-11-12
    listed $30,600 181-char remark

    Show marketing remark (181 chars)

    Clean brick house in good condition. Three bedrooms and one bath. Great rental potential. Call today for a tour of this very affordable home. "Property to be sold as is. "

27. 2007-10-20
    listed $72,900
28. 2006-05-05
    soldstatus $67,000
29. 2006-02-08
    listed $67,400
30. 2005-04-26
    listed $72,900
31. 2004-02-17
    soldstatus $22,500
32. 2003-11-15
    listed $39,900

ⓘ 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: $386 · $32/mo
• Projected year-2 tax: $386 · $32/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 7/10 Severe 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,652
• − Mortgage interest: −$4,476
• − Property taxes: −$386
• − Insurance: −$400
• − Repairs & maintenance: −$1,012
• − Management: −$1,012
• − Depreciation: −$2,324
• Taxable income: $3,042
• Est. tax owed @ 24.0%: −$730
• After-tax cash flow: $3,451/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: Montgomery County
• NCES district ID: 0102430
• Math proficiency: 9% ▼ -21.00%
• Reading proficiency: 31% ▼ -1.00%
• Median HH income: $43,902
• Composite: 17.24/100
• National rank: #9093
• State rank: #106 of 129 in AL

Livability — Montgomery

• Score: 65/100
• State rank: #138
• US rank: #13416

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Montgomery, AL
• County: Montgomery County · 190,016 people
• City population: 175,913
• Metro: Montgomery, AL
• Population (ZIP): 8,001
• Household income: $32,492
• Rent vs Own: 61.8% rent · 38.2% own
• Severe rent burden: 642.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 224,008 people
• By 2030: 221,460 · -1.1%
• By 2040: 214,179 · -4.4%
• By 2050: 204,912 · -8.5%
• By 2075: 177,821 · -20.6%
• By 2100: 145,134 · -35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: Black 43% White 27% Hispanic / Latino 23% Two or more races 20%
• Hispanic origin (detail): Mexican 8% Cuban 3%
• Common ancestry: Slovak 1% Iranian 1% Serbian 1%
• Foreign-born: 11% · Canada
• Languages at home: 83% English-only · Spanish 13%

Political lean MEDSL · Montgomery

• 2024 margin: Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
• 2008→2024 swing: +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
• All cycles: 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -18.16%
• Current HPI: 147.8065
• Rent YoY: ▲ 5.05%
• Metro: Montgomery, 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

+125.3% since first listed

16 events — show timeline

• 2026-04-27 Relisted — MAAR
• 2026-03-23 Relisted — MAAR
• 2026-03-12 Contingent — MAAR
• 2025-12-14 Relisted — MAAR
• 2025-10-26 Delisted — MAAR
• 2025-10-21 Listed $89,900 MAAR
• 2020-02-19 Sold (Public Records) $20,000 Public Records
• 2011-04-01 Sold (Public Records) $27,500 Public Records
• 2011-03-31 Sold (MLS) $22,500 MAAR
• 2010-11-12 Listed $30,600 MAAR
• 2007-10-20 Listed $72,900 MAAR
• 2006-05-05 Sold (MLS) $67,000 MAAR
• 2006-02-08 Listed $67,400 MAAR
• 2005-04-26 Listed $72,900 MAAR
• 2004-02-17 Sold (MLS) $22,500 MAAR
• 2003-11-15 Listed $39,900 MAAR

Property tax history

+2.0%/yr

Latest (2025): $386 · +1.5% YoY. Source: county tax records.