1425 Wells Loop · Jasper, AL 35503

$175,000

4 bd · 2.0 ba · 1,568 sqft · Other · 56 Days on market

Fair condition $112/sqft · 329% above area ↓ 5% 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 +27.9/30.0
• DSCR +9.9/10.0
• 1% rule +7.6/10.0
• ARV discount +7.5/15.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Schools +2.2/10.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

4 Br 2 BA home situated on 2.5 acres, offering plenty of space & potential. This property is perfect for those looking to add their personal touch, as it does need some TLC. With a great layout & a beautiful piece of land, it's an excellent opportunity to create your dream home or investment property.

Key facts

• Listed 56 days

Property features AI

Exterior

• Parking: No designated parking
• Utilities: Septic tank sewer
• Home design: Single-story mobile home; Residential property
• Construction: Mobile home construction
• Exterior features: Metal roof

Interior

• Flooring: Other
• Heating & cooling: Central heating (electric); Central electric cooling
• Interior features: Other flooring

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath other listed at $175k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $538 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $170k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.0% vs local median 3.8% in Jasper — 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 62/100 on livability (#228 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, crime F, amenities F.
• Walker County (rural): math 13% / reading 39% proficiency, ranked #89 of 129 in AL (top 69%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 109 active listings in the ZIP; 36 units permitted in Walker County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Walker County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 56 days — a 3% lower offer ($170k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $169,750 (3.0% below list)

Questions for the listing agent

1. It's been on market 56 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.26% ✓
• Cap rate: 9.98%
• Cash-on-cash: 13.17%
• DSCR: 1.59
• GRM: 6.6

CMA / ARV

• ARV (median comp): $40,781
• List price: $175,000
• Delta: 329.12%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 3.1%
• Equity multiple: 1.12×
• Total profit: $5,938
• Equity at exit: $26,093

10-year hold

• IRR: 12.7%
• Equity multiple: 2.01×
• Total profit: $49,424
• Equity at exit: $15,131

Cash invested: $49,000 (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 35503

• Home prices YoY: -26.8%
• Active inventory: 109
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $2,212 medium
• Mortgage (P&I): −$918
• Tax est. 1.5%: −$219 /mo · $2,625/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$464
• Net cashflow: $538

Break-even live

Break-even rent $1,531

Max offer price $175,000

Occupancy floor 71%

Sensitivity live

Price	-10% $659	-5% $598	+0% $538	+5% $477	+10% $417
Rent	-10% $363	-5% $451	+0% $538	+5% $625	+10% $713
Rate	-1.0pp $626	-0.5pp $582	base $538	+0.5pp $493	+1.0pp $446

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-18
   days on market $175,000 Active 56 DOM
2. 2026-06-17
   days on market $175,000 Active 55 DOM
3. 2026-06-16
   days on market $175,000 Active 54 DOM
4. 2026-06-15
   price $175,000 Active 53 DOM
5. 2026-06-15
   days on market $185,000 Active 53 DOM
6. 2026-06-13
   days on market $185,000 Active 51 DOM
7. 2026-06-13
   days on market $185,000 Active 50 DOM
8. 2026-06-10
   days on market $185,000 Active 48 DOM
9. 2026-06-09
   days on market $185,000 Active 47 DOM
10. 2026-06-08
    days on market $185,000 Active 46 DOM
11. 2026-06-07
    days on market $185,000 Active 45 DOM
12. 2026-06-05
    days on market $185,000 Active 42 DOM
13. 2026-06-03
    days on market $185,000 Active 41 DOM
14. 2026-06-03
    days on market $185,000 Active 40 DOM
15. 2026-06-01
    days on market $185,000 Active 39 DOM
16. 2026-05-31
    days on market $185,000 Active 38 DOM
17. 2026-04-23
    listed $185,000 Active 314-char remark

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,542
• − Mortgage interest: −$9,803
• − Property taxes: −$2,625
• − Insurance: −$875
• − Repairs & maintenance: −$2,123
• − Management: −$2,123
• − Depreciation: −$5,091
• Taxable income: $3,901
• Est. tax owed @ 24.0%: −$936
• After-tax cash flow: $5,519/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 · 12 photos

Fair 45/100 Moderate rehab

This property requires moderate renovations, including landscaping, kitchen and bathroom updates, and painting, to improve its condition and marketability.

Repairs flagged

• Major Overgrown lawn — Needs trimming and landscaping
• Major Debris — Needs removal
• Moderate Worn flooring — Needs replacement or refinishing
• Moderate Outdated cabinetry — Needs replacement
• Moderate Outdated fixtures — Needs replacement
• Moderate Worn paint — Needs repainting

Value-add opportunities

• Both Landscaping and curb appeal — Improves property's visual appeal and marketability
• Both Kitchen renovation — Updates the kitchen and increases the home's value
• Both Bathroom renovation — Updates the bathrooms and increases the home's value
• Both Painting — Improves the home's appearance and marketability

Renovation cost estimate screening

Repair item	Severity	Est. cost
Overgrown lawn · Needs trimming and landscaping	Major	$15,000–50,000
Debris · Needs removal	Major	$15,000–50,000
Worn flooring · Needs replacement or refinishing	Moderate	$3,000–15,000
Outdated cabinetry · Needs replacement	Moderate	$3,000–15,000
Outdated fixtures · Needs replacement	Moderate	$3,000–15,000
Worn paint · Needs repainting	Moderate	$3,000–15,000
Total estimated repair cost · 6 items		$42,000–160,000

Value-add ROI direction

• Both Landscaping and curb appeal — Improves property's visual appeal and marketability ↑
• Both Kitchen renovation — Updates the kitchen and increases the home's value ↑
• Both Bathroom renovation — Updates the bathrooms and increases the home's value ↑
• Both Painting — Improves the home's appearance and marketability ↑

ⓘ 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: Walker County
• NCES district ID: 0103450
• Math proficiency: 13% ▼ -28.00%
• Reading proficiency: 39% ▼ -5.00%
• Median HH income: $36,664
• Composite: 21.51/100
• National rank: #8321
• State rank: #89 of 129 in AL

Livability — Jasper

• Score: 62/100
• State rank: #228
• US rank: #17152

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 9,927
• Population (ZIP): 9,601

Population outlook (Walker County) Hauer SSP2

• Today (2025): 61,037 people
• By 2030: 58,391 · -4.3%
• By 2040: 53,080 · -13.0%
• By 2050: 48,031 · -21.3%
• By 2075: 37,799 · -38.1%
• By 2100: 29,001 · -52.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 2% Black 1% Hispanic / Latino 1%
• Common ancestry: Slovak 2% Iranian 1% Scotch-Irish 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Walker

• 2024 margin: Solid R (+71.8) · D 13.8% · R 85.6%
• 2008→2024 swing: -25.4pp toward R · 2008: -46.4pp · 2024: -71.8pp
• All cycles: 2024: R+71.8 2020: R+67.9 2016: R+67.4 2012: R+52.9 2008: R+46.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.26%
• Current HPI: 172.9286
• Rent YoY: —
• Metro: —
• 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

-5.4% since first listed

2 events — show timeline

• 2026-06-15 Price Changed $175,000 Walker County Area MLS
• 2026-04-23 Listed $185,000 Walker County Area MLS

Property tax history

+7.8%/yr

Latest (2024): $37 · +0.0% YoY. Source: county tax records.