5257 Highway 14 · Aliceville, AL 35442

$125,000

3 bd · 1.0 ba · 1,712 sqft · SingleFamily public records · 85 Days on market

Built 1968 1.56 ac lot $73/sqft · at area comps Est $129k · at est.

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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 +19.6/30.0
• ARV discount +9.0/15.0
• DSCR +6.2/10.0
• Appreciation +5.0/10.0
• 1% rule +4.1/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.5/10.0

Listing remarks MLS

Located in an area that may qualify for USDA financing with 0% down for eligible buyers. Set on approximately 1.5 acres, this property offers the perfect blend of space and convenience. Major updates include a brand new roof and a brand new heating and cooling system, giving peace of mind for years to come. Furnishings can remain with the property, including twin beds, additional furniture, dining table(s), and a TV—making it an easy option for a primary residence or investment. The lawn has been professionally treated with atrazine, pre-emergent, and post-emergent applications to keep it looking its best through the summer. Enjoy the freedom of acreage with a location that keeps you near town. Buyer to verify all information.

Key facts

• Brand new roof
• 1.5 acres
• 1.56 acre lot

Tags

• 1.5 ACRES
• BRAND NEW ROOF
• PROFESSIONALLY TREATED LAWN

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $144 ($2k/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 $114k (8.8% below list).
• Recommended offer: $114k (8.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 55/100 on livability (#437 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A; Watch: health & safety D, schools F, amenities F.
• Pickens County (rural): math 7% / reading 31% proficiency, ranked #108 of 129 in AL (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 13 active listings in the ZIP; 2 units permitted in Pickens County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($864 loan paydown + $4k appreciation (3.0% local appreciation)).
• Pickens County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 85 days — a 6% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $75k; list at $125k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 64% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $113,967 (8.8% below list)

Questions for the listing agent

1. It's been on market 85 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1968 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.91% ✗
• Cap rate: 7.67%
• Cash-on-cash: 4.93%
• DSCR: 1.22
• GRM: 9.1

CMA / ARV

• ARV (median comp): $129,231
• List price: $125,000
• Delta: -3.27%
• Verdict: FAIR
• Comps: 8 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 12.1%
• Equity multiple: 1.69×
• Total profit: $24,176
• Equity at exit: $56,205

10-year hold

• IRR: 14.1%
• Equity multiple: 3.09×
• Total profit: $73,169
• Equity at exit: $86,619

Cash invested: $35,000 (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 35442

• Active inventory: 13
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,140 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$49 /mo · $586/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$239
• Net cashflow: $144

Break-even live

Break-even rent $957

Max offer price $125,000

Occupancy floor 82%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-19
   days on market $125,000 Active 85 DOM
2. 2026-06-18
   days on market $125,000 Active 84 DOM
3. 2026-06-17
   days on market $125,000 Active 83 DOM
4. 2026-06-16
   days on market $125,000 Active 82 DOM
5. 2026-06-15
   days on market $125,000 Active 81 DOM
6. 2026-06-14
   days on market $125,000 Active 79 DOM
7. 2026-06-12
   days on market $125,000 Active 78 DOM
8. 2026-06-09
   days on market $125,000 Active 75 DOM
9. 2026-06-08
   days on market $125,000 Active 74 DOM
10. 2026-06-07
    days on market $125,000 Active 73 DOM
11. 2026-06-05
    days on market $125,000 Active 70 DOM
12. 2026-06-03
    days on market $125,000 Active 69 DOM
13. 2026-06-02
    days on market $125,000 Active 68 DOM
14. 2026-06-01
    days on market $125,000 Active 67 DOM
15. 2026-05-31
    days on market $125,000 Active 66 DOM
16. 2026-05-30
    days on market $125,000 Active 65 DOM
17. 2026-05-06
    price $125,000 742-char remark

    Show marketing remark (742 chars)

    Located in an area that may qualify for USDA financing with 0% down for eligible buyers. Set on approximately 1.5 acres, this property offers the perfect blend of space and convenience. Major updates include a brand new roof and a brand new heating and cooling system, giving peace of mind for years to come. Furnishings can remain with the property, including twin beds, additional furniture, dining table(s), and a TV—making it an easy option for a primary residence or investment. The lawn has been professionally treated with atrazine, pre-emergent, and post-emergent applications to keep it looking its best through the summer. Enjoy the freedom of acreage with a location that keeps you near town. Buyer to verify all information.

18. 2026-03-26
    listed $129,000 Active 742-char remark

    Show marketing remark (742 chars)

    Located in an area that may qualify for USDA financing with 0% down for eligible buyers. Set on approximately 1.5 acres, this property offers the perfect blend of space and convenience. Major updates include a brand new roof and a brand new heating and cooling system, giving peace of mind for years to come. Furnishings can remain with the property, including twin beds, additional furniture, dining table(s), and a TV—making it an easy option for a primary residence or investment. The lawn has been professionally treated with atrazine, pre-emergent, and post-emergent applications to keep it looking its best through the summer. Enjoy the freedom of acreage with a location that keeps you near town. Buyer to verify all information.

19. 2006-02-22
    soldstatus $75,000
20. 1999-08-19
    soldstatus $65,000

ⓘ 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: $586 · $49/mo
• Projected year-2 tax: $586 · $49/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 6/10 Major 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 64% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,676
• − Mortgage interest: −$7,002
• − Property taxes: −$586
• − Insurance: −$625
• − Repairs & maintenance: −$1,094
• − Management: −$1,094
• − Depreciation: −$3,636
• Taxable loss: −$361
• Est. tax savings @ 24.0%: +$87
• After-tax cash flow: $1,814/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: Pickens County
• NCES district ID: 0102730
• Math proficiency: 7% ▼ -19.00%
• Reading proficiency: 31% ▼ -7.00%
• Median HH income: $31,043
• Composite: 15.18/100
• National rank: #9342
• State rank: #108 of 129 in AL

Livability — Aliceville

• Score: 55/100
• State rank: #437
• US rank: #23352

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 5,539

Population outlook (Pickens County) Hauer SSP2

• Today (2025): 23,794 people
• By 2030: 25,224 · +6.0%
• By 2040: 27,833 · +17.0%
• By 2050: 30,077 · +26.4%
• By 2075: 34,120 · +43.4%
• By 2100: 35,388 · +48.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (63%)
• Race & ethnicity: Black 63% White 24% Hispanic / Latino 11%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Slovak 1% Italian 1% Serbian 1%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 90% English-only · Spanish 8%

Political lean MEDSL · Pickens

• 2024 margin: Strong R (+23.3) · D 38.1% · R 61.4%
• 2008→2024 swing: -15.0pp toward R · 2008: -8.3pp · 2024: -23.3pp
• All cycles: 2024: R+23.3 2020: R+16.3 2016: R+15.6 2012: R+7.0 2008: R+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• 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

+92.3% since first listed

4 events — show timeline

• 2026-05-06 Price Changed $125,000 WAMLS
• 2026-03-26 Listed $129,000 WAMLS
• 2006-02-22 Sold (Public Records) $75,000 Public Records
• 1999-08-19 Sold (Public Records) $65,000 Public Records

Property tax history

+0.4%/yr

Latest (2025): $586 · +1.1% YoY. Source: county tax records.