108 Radisson Ln · Madison, AL 35758

$425,000

4 bd · 2.0 ba · 3,211 sqft · SingleFamily public records · 46 Days on market

Built 1996 0.52 ac lot $132/sqft · at area comps Est $443k · at est. ↓ 12% since listing

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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
• ARV discount +9.4/15.0
• Cash flow +6.3/30.0
• Schools +5.6/10.0
• Livability +3.8/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• 1% rule +0.6/10.0
• DSCR +0.6/10.0

Listing remarks

Reduced $60K! Potential! Updated potential value between $575-$600K. Full-brick rancher offers an ideal floor plan featuring 2 primary suites, perfect for multi-generational living & added privacy. Enjoy multiple living spaces including a formal LR & DR, & a cozy family room w/ a fireplace, plus a versatile sun or game room. W/ your cosmetic updates, this home is a fantastic opportunity to make it truly your own. On over half an acre, the property includes a fenced yard & side-entry garage. Located in the highly desirable Bob Jones HS District, w/ easy access to Hwy 72, close to shopping, dining, work centers, & airport. Inspections welcomed, Prefer to sell AS-I

Key facts

• Cozy family room
• Versatile sunroom
• Full brick rancher

Tags

• FULL BRICK RANCHER
• TWO ISOLATED PRIMARY SUITES
• MULTIPLE LIVING SPACES
• COZY FAMILY ROOM
• VERSATILE SUNROOM
• FENCED BACKYARD

Property features AI

Finance

• Other: Lot approximately 0.52 acres (94 x 177 x 122 x 180)
• HOA & community: No homeowners association; Subdivision: Kensington Estates

Exterior

• Parking: Two-car garage; Concrete driveway
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One story; Built in 1996; Residential property
• Construction: Brick construction; Slab foundation
• Exterior features: Patio; Deck

Interior

• Bedrooms: Total rooms: 11
• Bathrooms: Two full bathrooms; One 3/4 bathroom
• Heating & cooling: Central heating; Central cooling
• Interior features: One fireplace

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $425k.

Deal economics

• At list price, monthly cash flow is $-751 ($-9k/yr) — negative.
• To cash-flow at today's rent, offer at most $292k (31.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $240k (43.6% below list).
• Recommended offer: $240k (43.6% below list) — sets the bar for 1% rule.
• Cap rate 4.2% vs local median 2.6% in Madison — 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 76/100 on livability (#12 in AL, #3,280 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: amenities F, commute F.
• Madison City (suburban): math 51% / reading 71% proficiency, ranked #4 of 129 in AL (top 3%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 17% free/reduced lunch — higher-income household profile.
• Zoned schools: Rainbow Elementary School (math 52% / reading 76%, grade B, #44 of 627 statewide, top 7%, 926 students, 18% FRL); Discovery Middle School (math 46% / reading 69%, grade B, #13 of 257 statewide, top 5%, 1,334 students, 25% FRL); Bob Jones High School (math 53% / reading 51%, grade D+, #11 of 305 statewide, top 4%, 1,920 students, 24% FRL).
• Market conditions: Rents rising (+1.6%/yr); 390 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• In year one you build about $45k of equity ($3k loan paydown + $42k 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 ~$73k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 46 days — a 3% lower offer ($412k) is reasonable based on typical stale-listing flexibility.

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 $239,710 (43.6% 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. It's been on market 46 days. Have you received any prior offers? Is the seller open to a 44% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-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. 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?
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: 0.56% ✗
• Cap rate: 4.17%
• Cash-on-cash: -7.57%
• DSCR: 0.66
• GRM: 14.8

CMA / ARV

• ARV (median comp): $443,353
• List price: $425,000
• Delta: -4.14%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
136 Antique Rose Dr	0.22mi	4/3.0	3,350 (+4%)	3mo	$470,000	$140	76
100 Brunell Ct	0.48mi	4/3.5	3,157 (-2%)	10mo	$540,000	$171	60
306 Hughes Pond Cir	0.40mi	5/3.0 (+1)	2,959 (-8%)	1mo	$475,000	$161	58
102 Bay Pointe Ln	0.42mi	4/3.0	3,002 (-6%)	10mo	$480,000	$160	57
136 Arabian Dr	0.24mi	5/2.5 (+1)	2,736 (-15%)	1mo	$434,900	$159	56
127 Bay Pointe Ln	0.60mi	4/3.0	3,119 (-3%)	12mo	$511,000	$164	53
144 Arabian Dr	0.30mi	5/4.5 (+1)	3,541 (+10%)	3mo	$555,000	$157	51
183 Fernbridge Blvd	0.71mi	4/3.0	2,980 (-7%)	1mo	$565,000	$190	50
209 Chantilly Ln	0.59mi	4/3.0	2,967 (-8%)	8mo	$465,000	$157	49
173 Fernbridge Blvd	0.75mi	4/3.0	3,507 (+9%)	1mo	$655,000	$187	45
391 Clydebank Dr	0.65mi	5/3.5 (+1)	3,353 (+4%)	12mo	$525,000	$157	42
237 Arcadian Way	0.74mi	4/3.5	2,972 (-7%)	13mo	$595,784	$200	36

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 · 1.58% rent growth · sell at horizon

5-year hold

• IRR: 18.6%
• Equity multiple: 2.51×
• Total profit: $180,111
• Equity at exit: $382,874

10-year hold

• IRR: 17.1%
• Equity multiple: 5.72×
• Total profit: $561,265
• Equity at exit: $825,682

Cash invested: $119,000 (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 35758

• Home prices YoY: 4.2%
• Rents YoY: 1.6%
• Active inventory: 390
• Price-to-rent: 14.8×

Monthly cashflow live

• Estimated rent: $2,397 medium
• Mortgage (P&I): −$2,229
• Tax from tax record: −$239 /mo · $2,867/yr
• Insurance: −$177
• HOA: −$0
• Vacancy / Maint / Mgmt: −$503
• Net cashflow: $-751

Break-even live

Break-even rent $3,348

Max offer price $292,325

Occupancy floor —

Sensitivity live

Price	-10% $-510	-5% $-631	+0% $-751	+5% $-871	+10% $-992
Rent	-10% $-940	-5% $-846	+0% $-751	+5% $-656	+10% $-562
Rate	-1.0pp $-537	-0.5pp $-643	base $-751	+0.5pp $-861	+1.0pp $-973

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: $106,250
• Closing costs: $12,750
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
204 Stockyard CIR Madison, AL	4.0	2.0	2106	$2,300	$1.09	15d	1	1.04mi
217 John Clift CIR Madison, AL	4.0	3.0	2503	$2,800	$1.12	15d	1	1.09mi
112 Willow Rose Ln Madison, AL	4.0	2.0	2106	$2,500	$1.19	25d	1	1.20mi
212 Stockyard CIR Madison, AL	5.0	2.5	2360	$2,634	$1.12	45d	1	1.31mi

Listing history 17 events

1. 2026-06-22
   days on market $425,000 Active 46 DOM
2. 2026-06-18
   days on market $425,000 Active 43 DOM
3. 2026-06-17
   price $425,000 Active 42 DOM
4. 2026-06-17
   days on market $445,000 Active 42 DOM
5. 2026-06-16
   days on market $445,000 Active 41 DOM
6. 2026-06-15
   days on market $445,000 Active 40 DOM
7. 2026-06-14
   days on market $445,000 Active 38 DOM
8. 2026-06-10
   days on market $445,000 Active 35 DOM
9. 2026-06-09
   days on market $445,000 Active 34 DOM
10. 2026-06-08
    days on market $445,000 Active 33 DOM
11. 2026-06-07
    days on market $445,000 Active 32 DOM
12. 2026-06-03
    days on market $445,000 Active 28 DOM
13. 2026-06-02
    days on market $445,000 Active 27 DOM
14. 2026-06-01
    days on market $445,000 Active 26 DOM
15. 2026-05-31
    days on market $445,000 Active 25 DOM
16. 2026-05-30
    days on market $445,000 Active 24 DOM
17. 2026-05-06
    listed $485,000 Active 699-char remark

ⓘ 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: $2,867 · $239/mo
• Projected year-2 tax: $2,867 · $239/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 18% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,765
• − Mortgage interest: −$23,807
• − Property taxes: −$2,867
• − Insurance: −$2,125
• − Repairs & maintenance: −$2,301
• − Management: −$2,301
• − Depreciation: −$12,364
• Taxable loss: −$17,000
• Est. tax savings @ 24.0%: +$4,080
• After-tax cash flow: $-4,933/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 City
• NCES district ID: 0100008
• Math proficiency: 51% ▼ -25.00%
• Reading proficiency: 71% ▼ -2.00%
• Median HH income: $89,091
• Composite: 55.56/100
• National rank: #1238
• State rank: #4 of 129 in AL

Livability — Madison

• Score: 76/100
• State rank: #12
• US rank: #3280

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Madison, AL
• County: Madison County · 380,832 people
• City population: 93,742
• Metro: Huntsville, AL
• Population (ZIP): 50,266
• Household income: $117,380
• Rent vs Own: 30.8% rent · 69.2% own
• Severe rent burden: 875.0

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 (68%)
• Race & ethnicity: White 68% Black 14% Hispanic / Latino 8% Asian 7% Two or more races 7%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 2%
• Foreign-born: 9% · Canada, South Korea, Vietnam
• Languages at home: 87% English-only · Spanish 5% Other Asian/Pacific 2% Chinese 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: ▲ 14.46%
• Current HPI: 355.2784
• Rent YoY: ▲ 1.58%
• 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

-12.4% since first listed

3 events — show timeline

• 2026-06-17 Price Changed $425,000 VMLS
• 2026-05-22 Price Changed $445,000 VMLS
• 2026-05-06 Listed $485,000 VMLS

Property tax history

+7.4%/yr

Latest (2024): $2,867 · +3.8% YoY. Source: county tax records.