514 Valley View Ter SE · Huntsville, AL 35803

$254,900

3 bd · 1.0 ba · 1,745 sqft · SingleFamily public records · 111 Days on market

Built 1963 0.28 ac lot $146/sqft · 6% below area Est $303k · 16% under

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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).

• ARV discount +14.6/15.0
• Cash flow +8.1/30.0
• Livability +4.1/5.0
• Rent growth +3.4/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• DSCR +2.1/10.0
• 1% rule +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This three-level residence features a brick and wood exterior on a 0.300-acre wooded lot. The tri-level floorplan offers 1,946 sqft of living space with three bedrooms and two full bathrooms. Uniquely configured, the upper level houses two bedrooms and a full bath, while the mid-level contains the kitchen and main living areas. The lower level offers a versatile bedroom and family room. Home includes a single-car attached garage, hardwood flooring, a rear deck, and a crawl space foundation with a sloped, naturally landscaped yard.

Key facts

• Hardwood flooring
• Versatile bedroom
• Wooded lot

Tags

• BRICK AND WOOD EXTERIOR
• WOODED LOT
• TRI-LEVEL FLOORPLAN
• VERSATILE BEDROOM
• HARDWOOD FLOORING
• REAR DECK

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $255k.

Deal economics

• At list price, monthly cash flow is $-253 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $210k (17.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $177k (30.7% below list).
• Recommended offer: $177k (30.7% below list) — sets the bar for 1% rule.
• Cap rate 5.1% vs local median 3.8% in Huntsville — 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 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Huntsville City (urban): math 21% / reading 46% proficiency, ranked #48 of 129 in AL (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+3.7%/yr); 280 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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

• It's been on market 111 days — a 9% lower offer ($232k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $35k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $176,548 (30.7% 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 111 days. Have you received any prior offers? Is the seller open to a 31% concession, seller financing, or rate buy-down credit?
3. Built in 1963 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.69% ✗
• Cap rate: 5.10%
• Cash-on-cash: -4.25%
• DSCR: 0.81
• GRM: 12.0

CMA / ARV

• ARV (median comp): $302,837
• List price: $254,900
• Delta: -15.83%
• 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
600 Ronald Dr SE	0.16mi	4/2.0 (+1)	1,710 (-2%)	4mo	$283,000	$165	76
623 Valley View Ter	0.16mi	3/2.0	1,635 (-6%)	7mo	$285,000	$174	72
11206 Dellcrest Dr SE	0.47mi	3/2.0	1,744 (-0%)	4mo	$257,500	$148	70
426 Curtis Dr SE	0.13mi	4/2.0 (+1)	1,933 (+11%)	4mo	$305,000	$158	64
11028 Jean Rd SE	0.27mi	4/2.0 (+1)	1,928 (+10%)	5mo	$310,000	$161	57
11219 Suncrest Dr SE	0.54mi	4/2.5 (+1)	1,668 (-4%)	1mo	$305,000	$183	55
8602 Hickory Hills Ln SE	0.47mi	3/2.5	1,950 (+12%)	3mo	$410,000	$210	50
9800 Dolphin Dr	0.75mi	4/2.0 (+1)	1,822 (+4%)	2mo	$350,000	$192	47
10013 Westleigh Dr SE	0.62mi	4/2.0 (+1)	1,602 (-8%)	4mo	$300,000	$187	45
8936 Cannstatt Dr	0.65mi	4/2.0 (+1)	1,922 (+10%)	1mo	$275,000	$143	43
11211 Dellcrest Dr SE	0.47mi	4/2.5 (+1)	1,985 (+14%)	7mo	$295,000	$149	38
11310 Chicamauga Trl SE	0.74mi	3/2.5	1,955 (+12%)	4mo	$275,000	$141	36

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 · 3.72% rent growth · sell at horizon

5-year hold

• IRR: -22.8%
• Equity multiple: 0.21×
• Total profit: $-56,152
• Equity at exit: $38,006

10-year hold

• IRR: -15.6%
• Equity multiple: 0.10×
• Total profit: $-64,430
• Equity at exit: $22,039

Cash invested: $71,372 (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 35803

• Home prices YoY: -22.9%
• Rents YoY: 3.7%
• Active inventory: 280
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $1,765 high
• Mortgage (P&I): −$1,337
• Tax from tax record: −$204 /mo · $2,453/yr
• Insurance: −$106
• HOA: −$0
• Vacancy / Maint / Mgmt: −$371
• Net cashflow: $-253

Break-even live

Break-even rent $2,085

Max offer price $210,268

Occupancy floor —

Sensitivity live

Price	-10% $-108	-5% $-181	+0% $-253	+5% $-325	+10% $-397
Rent	-10% $-392	-5% $-322	+0% $-253	+5% $-183	+10% $-113
Rate	-1.0pp $-124	-0.5pp $-188	base $-253	+0.5pp $-319	+1.0pp $-386

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: $63,725
• Closing costs: $7,647
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10007 Camille Dr SE Huntsville, AL	3.0	2.5	1702	$1,781	$1.05	24d	1	0.19mi
11021 Strong Dr SE Huntsville, AL	3.0	1.5	1549	$1,650	$1.07	24d	1	0.32mi
11209 Maplecrest Dr SE Huntsville, AL	3.0	2.0	1530	$1,700	$1.11	15d	1	0.50mi
107 Strong Ct SE Huntsville, AL	3.0	2.0	1995	$1,775	$0.89	15d	1	0.56mi
8613 Camille Dr SE Huntsville, AL	3.0	2.0	1744	$2,100	$1.20	15d	1	0.61mi
9802 Dolphin Dr SE Huntsville, AL	4.0	2.0	2160	$2,175	$1.01	45d	1	0.76mi
11406 Crestfield Dr SE Huntsville, AL	3.0	1.5	1809	$1,750	$0.97	24d	1	0.78mi
9016 Mahogany Row SE Unit D Huntsville, AL	2.0	2.0	1300	$1,195	$0.92	15d	1	0.87mi
9018 Mahogany Row SE Unit B Huntsville, AL	3.0	2.0	1332	$1,250	$0.94	45d	1	0.87mi
307 Mockingbird Rd SE Unit 1 Huntsville, AL	4.0	2.0	1334	$1,745	$1.31	45d	1	0.88mi
9017 Mahogany Row SE Unit B Huntsville, AL	2.0	1.5	1100	$950	$0.86	45d	1	0.91mi
9007 Mahogany Row SE Unit C Huntsville, AL	2.0	1.5	1100	$900	$0.82	45d	1	0.95mi
9003 Mahogany Row SE Unit C Huntsville, AL	3.0	2.5	1250	$2,800	$2.24	45d	1	0.99mi
1925 Lynnbrook Dr SW Huntsville, AL	4.0	2.5	2003	$1,900	$0.95	45d	1	1.01mi
9001 Mahogany Row SE Unit B Huntsville, AL	3.0	2.5	1250	$2,800	$2.24	45d	1	1.01mi
850 Haysland Rd SW Huntsville, AL	1.0–3.0	1.0–2.0	1187	$2,350	$1.98	15d	21	1.14mi
12027 Chicamauga Trl SE Huntsville, AL	4.0	2.0	1870	$1,700	$0.91	45d	1	1.16mi
1503 Cobblestone Cir SE Huntsville, AL	3.0	2.0	1250	$1,295	$1.04	45d	1	1.17mi
2105 Manassas Dr SW Huntsville, AL	3.0	2.0	1920	$1,895	$0.99	45d	1	1.17mi
12005 Greenleaf Dr SE Huntsville, AL	4.0	3.0	2150	$2,500	$1.16	45d	1	1.17mi
710 Mountain Gap Rd SE Huntsville, AL	4.0	2.0	1801	$1,750	$0.97	45d	1	1.25mi
2108 English Dr SW Huntsville, AL	3.0	1.5	1200	$1,295	$1.08	24d	1	1.37mi
12107 Greenleaf Dr SE Huntsville, AL	3.0	2.0	1600	$1,500	$0.94	15d	1	1.41mi
11112 Memorial Pkwy SW #1 Huntsville, AL	2.0	2.5	1250	$1,600	$1.28	24d	1	1.44mi
11112 Memorial Pkwy SW Huntsville, AL	2.0	2.5–3.0	1224	$1,300	$1.06	45d	2	1.45mi

Listing history 27 events

1. 2026-06-18
   days on market $254,900 Active 111 DOM
2. 2026-06-17
   days on market $254,900 Active 110 DOM
3. 2026-06-16
   days on market $254,900 Active 109 DOM
4. 2026-06-15
   days on market $254,900 Active 108 DOM
5. 2026-06-14
   pricedays on market $254,900 Active 106 DOM
6. 2026-06-10
   days on market $264,900 Active 103 DOM
7. 2026-06-09
   days on market $264,900 Active 102 DOM
8. 2026-06-08
   days on market $264,900 Active 101 DOM
9. 2026-06-07
   days on market $264,900 Active 100 DOM
10. 2026-06-03
    days on market $264,900 Active 96 DOM
11. 2026-06-02
    days on market $264,900 Active 95 DOM
12. 2026-06-01
    days on market $264,900 Active 94 DOM
13. 2026-05-31
    days on market $264,900 Active 93 DOM
14. 2026-05-30
    days on market $264,900 Active 92 DOM
15. 2026-04-24
    price $274,900 536-char remark

    Show marketing remark (536 chars)

    This three-level residence features a brick and wood exterior on a 0.300-acre wooded lot. The tri-level floorplan offers 1,946 sqft of living space with three bedrooms and two full bathrooms. Uniquely configured, the upper level houses two bedrooms and a full bath, while the mid-level contains the kitchen and main living areas. The lower level offers a versatile bedroom and family room. Home includes a single-car attached garage, hardwood flooring, a rear deck, and a crawl space foundation with a sloped, naturally landscaped yard.

16. 2026-04-08
    price $284,900 536-char remark

    Show marketing remark (536 chars)

    This three-level residence features a brick and wood exterior on a 0.300-acre wooded lot. The tri-level floorplan offers 1,946 sqft of living space with three bedrooms and two full bathrooms. Uniquely configured, the upper level houses two bedrooms and a full bath, while the mid-level contains the kitchen and main living areas. The lower level offers a versatile bedroom and family room. Home includes a single-car attached garage, hardwood flooring, a rear deck, and a crawl space foundation with a sloped, naturally landscaped yard.

17. 2026-02-27
    listed $289,900 Active 536-char remark

    Show marketing remark (536 chars)

    This three-level residence features a brick and wood exterior on a 0.300-acre wooded lot. The tri-level floorplan offers 1,946 sqft of living space with three bedrooms and two full bathrooms. Uniquely configured, the upper level houses two bedrooms and a full bath, while the mid-level contains the kitchen and main living areas. The lower level offers a versatile bedroom and family room. Home includes a single-car attached garage, hardwood flooring, a rear deck, and a crawl space foundation with a sloped, naturally landscaped yard.

18. 2023-12-08
    soldstatus $394,575,000
19. 2022-08-29
    soldstatus $6,106,297
20. 2022-03-15
    price $1,650
21. 2018-08-09
    soldstatus $143,000
22. 2018-08-07
    soldstatus $143,000 462-char remark

    Show marketing remark (462 chars)

    A must see home situated on a wooded lot. Conveniently located! Fresh designer paint inside & out. New vinyl wrapped soffit on the entire home for low maintenance. Beautiful landscaping! New flooring in the family room. Hardwoods throughout main living area & two bedrooms that have been refinished. Wonderful landscaped backyard that includes a tree house & swing set or a hammock for relaxing in the shade. Great space for playing or entertaining!

23. 2018-05-25
    listed $154,900 462-char remark

    Show marketing remark (462 chars)

    A must see home situated on a wooded lot. Conveniently located! Fresh designer paint inside & out. New vinyl wrapped soffit on the entire home for low maintenance. Beautiful landscaping! New flooring in the family room. Hardwoods throughout main living area & two bedrooms that have been refinished. Wonderful landscaped backyard that includes a tree house & swing set or a hammock for relaxing in the shade. Great space for playing or entertaining!

24. 2014-05-13
    soldstatus $138,100
25. 2014-05-09
    soldstatus $138,000
26. 2014-02-27
    listed $139,900
27. 2005-07-06
    soldstatus $160,000

ⓘ 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: $2,453 · $204/mo
• Projected year-2 tax: $2,453 · $204/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 ≥104°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 21% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,186
• − Mortgage interest: −$14,278
• − Property taxes: −$2,453
• − Insurance: −$1,274
• − Repairs & maintenance: −$1,695
• − Management: −$1,695
• − Depreciation: −$7,415
• Taxable loss: −$7,625
• Est. tax savings @ 24.0%: +$1,830
• After-tax cash flow: $-1,202/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: Huntsville City
• NCES district ID: 0101800
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 46% ▬ 0.00%
• Median HH income: $48,264
• Composite: 28.84/100
• National rank: #6647
• State rank: #48 of 129 in AL

Livability — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, AL
• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 29,197
• Household income: $100,846
• Rent vs Own: 16.6% rent · 83.4% own
• Severe rent burden: 411.0

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 (82%)
• Race & ethnicity: White 82% Hispanic / Latino 7% Two or more races 7% Black 4% Asian 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 1%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 2%
• Foreign-born: 6% · Canada, China, South Korea
• Languages at home: 92% English-only · Spanish 3% Chinese 2% German/W. Germanic 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: ▼ -110.53%
• Current HPI: 372.1842
• Rent YoY: ▲ 3.72%
• 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

+71.8% since first listed

13 events — show timeline

• 2026-04-24 Price Changed $274,900 VMLS
• 2026-04-08 Price Changed $284,900 VMLS
• 2026-02-27 Listed $289,900 VMLS
• 2023-12-08 Sold (Public Records) $394,575,000 Public Records
• 2022-08-29 Sold (Public Records) $6,106,297 Public Records
• 2022-03-15 Price Changed $1,650 RENT.
• 2018-08-09 Sold (Public Records) $143,000 Public Records
• 2018-08-07 Sold (MLS) $143,000 VMLS
• 2018-05-25 Listed $154,900 VMLS
• 2014-05-13 Sold (Public Records) $138,100 Public Records
• 2014-05-09 Sold (MLS) $138,000 VMLS
• 2014-02-27 Listed $139,900 VMLS
• 2005-07-06 Sold (Public Records) $160,000 Public Records

Property tax history

+14.9%/yr

Latest (2024): $2,453 · +7.6% YoY. Source: county tax records.