171 Sedgewick Dr · Owens Cross Roads, AL 35763

$255,000

3 bd · 1.5 ba · 2,429 sqft · SingleFamily public records · 8 Days on market

Built 2015 5,740 sqft lot $105/sqft · 12% below area Est $287k · 11% under ↓ 27% since listing

---

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).

• ARV discount +12.5/15.0
• Cash flow +12.1/30.0
• Schools +3.7/10.0
• DSCR +3.6/10.0
• Rent growth +3.4/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Bristol Creek is an up and coming neighborhood! This large starter home is perfect for a first time homebuyer or family. The downstairs living area has an open concept with an abundance of natural light and space. The kitchen has great storage options, ample counter prep area, and appliances. The highlight of the upstairs space is an additional loft that is perfect for a playroom or extra living area. All bedrooms are spacious with plenty of closet space. The master suite has beautiful windows and large master closet. The backyard is spacious, low maintenance with privacy fence. This home is 15 minutes from Downtown Huntsville and close to Redstone Arsenal.

Key facts

• 5,740 sq ft lot
• 2 garage spots
• Listed 8 days

Property features AI

Finance

• HOA & community: No homeowners association; Subdivision: Bristol Creek; Community curbs

Exterior

• Parking: Attached two-car garage; Concrete driveway
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two stories; New construction: No
• Construction: Brick construction; Slab foundation
• Exterior features: Curb and gutters; Underground utilities; Concrete driveway

Interior

• Kitchen: Range; Dishwasher; Microwave
• Bathrooms: Two full bathrooms; One half bathroom
• Heating & cooling: Central heating; Central cooling
• Interior features: No fireplaces; Range, Dishwasher, Microwave

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $255k.

Deal economics

• At list price, monthly cash flow is $-55 ($-660/yr) — negative.
• To cash-flow at today's rent, offer at most $245k (3.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (26.5% below list).
• Recommended offer: $188k (26.5% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 4.5% in Owens Cross Roads — 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 68/100 on livability (#65 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Madison County (rural): math 27% / reading 56% proficiency, ranked #19 of 129 in AL (top 15%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Owens Cross Roads School (math 31% / reading 63%, grade D-, #142 of 627 statewide, top 25%, 319 students, 54% FRL); New Hope High School (math 21% / reading 43%, grade F, #59 of 305 statewide, top 21%, 586 students, 57% FRL) — zoned schools average 56% FRL vs 29% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.5%/yr); 374 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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

• 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.
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 9y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $172k; 48% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $187,518 (26.5% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.74% ✗
• Cap rate: 6.03%
• Cash-on-cash: -0.92%
• DSCR: 0.96
• GRM: 11.3

CMA / ARV

• ARV (median comp): $286,662
• List price: $255,000
• Delta: -11.04%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
202 Sedgewick Dr	0.13mi	3/2.5	2,449 (+1%)	0mo	$264,900	$108	88
128 Winstead Cir	0.14mi	3/2.5	2,440 (+0%)	4mo	$275,500	$113	86
142 Winstead Cir	0.19mi	3/2.5	2,400 (-1%)	12mo	$309,000	$129	75
138 Winstead Cir	0.18mi	3/2.5	2,375 (-2%)	13mo	$275,000	$116	73
137 Sedgewick Dr	0.13mi	3/2.5	2,601 (+7%)	10mo	$240,000	$92	70
119 Belle Haven Dr	0.14mi	3/2.5	2,246 (-8%)	15mo	$232,000	$103	64
132 Sedgewick Dr	0.15mi	4/2.5 (+1)	2,274 (-6%)	13mo	$229,000	$101	63
119 Sedgewick Dr	0.20mi	3/2.0	2,732 (+12%)	10mo	$225,000	$82	60
187 Sedgewick Dr	0.06mi	4/2.5 (+1)	2,775 (+14%)	10mo	$270,000	$97	56
113 Barlow Way	0.40mi	4/3.0 (+1)	2,583 (+6%)	10mo	$359,900	$139	51
138 Barlow Way	0.41mi	3/2.5	2,113 (-13%)	12mo	$345,000	$163	45
129 Hidden Br	0.59mi	4/2.5 (+1)	2,208 (-9%)	5mo	$320,000	$145	44

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 · 3.54% rent growth · sell at horizon

5-year hold

• IRR: -17.4%
• Equity multiple: 0.38×
• Total profit: $-43,912
• Equity at exit: $38,021

10-year hold

• IRR: -8.6%
• Equity multiple: 0.45×
• Total profit: $-38,951
• Equity at exit: $22,048

Cash invested: $71,400 (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 35763

• Home prices YoY: -3.6%
• Rents YoY: 3.5%
• Active inventory: 374
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $1,875 high
• Mortgage (P&I): −$1,337
• Tax from tax record: −$93 /mo · $1,115/yr
• Insurance: −$106
• HOA: −$0
• Vacancy / Maint / Mgmt: −$394
• Net cashflow: $-55

Break-even live

Break-even rent $1,945

Max offer price $245,278

Occupancy floor 98%

Sensitivity live

Price	-10% $89	-5% $17	+0% $-55	+5% $-127	+10% $-199
Rent	-10% $-203	-5% $-129	+0% $-55	+5% $19	+10% $93
Rate	-1.0pp $73	-0.5pp $10	base $-55	+0.5pp $-121	+1.0pp $-188

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: $63,750
• Closing costs: $7,650
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
106 Belle Haven Dr Owens Cross Roads, AL	3.0	2.5	1594	$1,331	$0.84	25d	1	0.14mi
119 Belle Haven Dr Owens Cross Roads, AL	3.0	2.5	2246	$1,690	$0.75	15d	1	0.15mi
136 Winstead Cir Owens Cross Roads, AL	3.0	2.5	1980	$1,650	$0.83	45d	1	0.17mi
138 Winstead Cir Owens Cross Roads, AL	3.0	2.5	2375	$1,910	$0.80	15d	1	0.18mi
126 Belle Haven Dr Unit 126 Owens Cross Roads, AL	4.0	2.5	3280	$1,860	$0.57	15d	1	0.19mi
135 Varina Dr Owens Cross Roads, AL	4.0	2.5	3078	$2,200	$0.71	23d	1	0.44mi
213 Chubbs Ln Owens Cross Roads, AL	3.0	2.0	1628	$1,825	$1.12	45d	1	0.55mi
175 Lyons Rd Owens Cross Roads, AL	4.0	3.0	2264	$1,950	$0.86	45d	1	0.74mi
104 Fire Fly Ln Owens Cross Roads, AL	3.0	3.0	2194	$1,561	$0.71	15d	1	0.87mi

Listing history 10 events

1. 2026-05-11
   listed $255,000 Active 728-char remark
2. 2026-03-06
   listed $270,000 Active
3. 2019-11-01
   soldstatus $172,000 Sold

   Show marketing remark (665 chars)

   Bristol Creek is an up and coming neighborhood! This large starter home is perfect for a first time homebuyer or family. The downstairs living area has an open concept with an abundance of natural light and space. The kitchen has great storage options, ample counter prep area, and appliances. The highlight of the upstairs space is an additional loft that is perfect for a playroom or extra living area. All bedrooms are spacious with plenty of closet space. The master suite has beautiful windows and large master closet. The backyard is spacious, low maintenance with privacy fence. This home is 15 minutes from Downtown Huntsville and close to Redstone Arsenal.

4. 2019-11-01
   soldstatus $172,000

   Show marketing remark (665 chars)

   Bristol Creek is an up and coming neighborhood! This large starter home is perfect for a first time homebuyer or family. The downstairs living area has an open concept with an abundance of natural light and space. The kitchen has great storage options, ample counter prep area, and appliances. The highlight of the upstairs space is an additional loft that is perfect for a playroom or extra living area. All bedrooms are spacious with plenty of closet space. The master suite has beautiful windows and large master closet. The backyard is spacious, low maintenance with privacy fence. This home is 15 minutes from Downtown Huntsville and close to Redstone Arsenal.

5. 2019-09-17
   historical Contingent

   Show marketing remark (665 chars)

   Bristol Creek is an up and coming neighborhood! This large starter home is perfect for a first time homebuyer or family. The downstairs living area has an open concept with an abundance of natural light and space. The kitchen has great storage options, ample counter prep area, and appliances. The highlight of the upstairs space is an additional loft that is perfect for a playroom or extra living area. All bedrooms are spacious with plenty of closet space. The master suite has beautiful windows and large master closet. The backyard is spacious, low maintenance with privacy fence. This home is 15 minutes from Downtown Huntsville and close to Redstone Arsenal.

6. 2019-09-10
   listed $165,000 Active

   Show marketing remark (665 chars)

   Bristol Creek is an up and coming neighborhood! This large starter home is perfect for a first time homebuyer or family. The downstairs living area has an open concept with an abundance of natural light and space. The kitchen has great storage options, ample counter prep area, and appliances. The highlight of the upstairs space is an additional loft that is perfect for a playroom or extra living area. All bedrooms are spacious with plenty of closet space. The master suite has beautiful windows and large master closet. The backyard is spacious, low maintenance with privacy fence. This home is 15 minutes from Downtown Huntsville and close to Redstone Arsenal.

7. 2017-09-27
   soldstatus $144,250
8. 2017-03-22
   listed $144,250
9. 2015-06-18
   soldstatus $13,500
10. 2015-02-13
    soldstatus $350,100

ⓘ 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: $1,115 · $93/mo
• Projected year-2 tax: $1,115 · $93/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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 18% 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: $22,502
• − Mortgage interest: −$14,284
• − Property taxes: −$1,115
• − Insurance: −$1,275
• − Repairs & maintenance: −$1,800
• − Management: −$1,800
• − Depreciation: −$7,418
• Taxable loss: −$5,190
• Est. tax savings @ 24.0%: +$1,246
• After-tax cash flow: $585/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 County
• NCES district ID: 0102220
• Math proficiency: 27% ▼ -32.00%
• Reading proficiency: 56% ▼ -1.00%
• Median HH income: $66,058
• Composite: 37.15/100
• National rank: #4483
• State rank: #19 of 129 in AL

Livability — Owens Cross Roads

• Score: 68/100
• State rank: #65
• US rank: #9303

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Owens Cross Roads, AL
• County: Madison County · 380,832 people
• City population: 19,819
• Metro: Huntsville, AL
• Population (ZIP): 19,819
• Household income: $123,497
• Rent vs Own: 7.5% rent · 92.5% own
• Severe rent burden: 73.0

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 (85%)
• Race & ethnicity: White 85% Two or more races 8% Hispanic / Latino 5% Black 2% Asian 2%
• Common ancestry: Italian 5% Slovak 2% Serbian 2%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 1% Russian/Polish/Slavic 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: ▼ -10.43%
• Current HPI: 281.0561
• Rent YoY: ▲ 3.54%
• 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

-27.2% since first listed

11 events — show timeline

• 2026-05-19 Pending — VMLS
• 2026-05-11 Listed $255,000 VMLS
• 2026-03-06 Listed $270,000 VMLS
• 2019-11-01 Sold (Public Records) $172,000 Public Records
• 2019-11-01 Sold (MLS) $172,000 VMLS
• 2019-09-17 Contingent — VMLS
• 2019-09-10 Listed $165,000 VMLS
• 2017-09-27 Sold (MLS) $144,250 VMLS
• 2017-03-22 Listed $144,250 VMLS
• 2015-06-18 Sold (Public Records) $13,500 Public Records
• 2015-02-13 Sold (Public Records) $350,100 Public Records

Property tax history

+24.9%/yr

Latest (2024): $1,115 · +5.4% YoY. Source: county tax records.