130 Digby Rd · Oxford, AL 36203

$24,900

2 bd · 2.0 ba · — sqft · Land · 6 Days on market

Built 1990 ↓ 10% 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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.8/5.0
• Schools +3.5/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

Key facts

• Covered front porch
• Concrete walkway
• Spacious yard

Tags

• SPLIT-BEDROOM FLOOR PLAN
• PRIMARY SUITE
• COVERED FRONT PORCH
• CONCRETE WALKWAY
• SPACIOUS YARD

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath land listed at $25k.

Deal economics

• At list price, monthly cash flow is $733 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $25k).
• Cap rate 41.6% vs local median 3.8% in Oxford — 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 (#13 in AL, #3,446 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: commute F.
• Oxford City (urban): math 27% / reading 55% proficiency, ranked #22 of 129 in AL (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 112 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 135 units permitted in Calhoun County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $172 of loan paydown is wiped out by about $747 of value loss. Plan a longer hold.
• Calhoun 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 + 0.4% rent growth), your $7k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts; this cycle's ask has dropped $75k (75%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $24,900

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 4.47% ✓
• Cap rate: 41.63%
• Cash-on-cash: 126.22%
• DSCR: 6.62
• GRM: 1.9

CMA / ARV

• ARV (median comp): $98,883
• List price: $24,900
• Delta: -9.08%
• Verdict: FAIR
• Comps: 2 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.39% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 6.71×
• Total profit: $39,823
• Equity at exit: $3,713

10-year hold

• IRR: —
• Equity multiple: 13.01×
• Total profit: $83,727
• Equity at exit: $2,153

Cash invested: $6,972 (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 36203

• Home prices YoY: -20.4%
• Rents YoY: 0.4%
• Active inventory: 112
• Price-to-rent: 1.9×

Monthly cashflow live

• Estimated rent: $1,113 medium
• Mortgage (P&I): −$131
• Tax from tax record: −$5 /mo · $59/yr
• Insurance: −$10
• HOA: −$0
• Vacancy / Maint / Mgmt: −$234
• Net cashflow: $733

Break-even live

Break-even rent $185

Max offer price $24,900

Occupancy floor 29%

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: $6,225
• Closing costs: $747
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
700 Beck Rd Lot B Eastaboga, AL	3.0	2.0	—	$1,100	—	43d	1	0.46mi
92 My Dr Oxford, AL	3.0	2.0	—	$1,300	—	43d	1	0.82mi

Listing history 25 events

1. 2026-06-19
   days on market $24,900 Active 6 DOM
2. 2026-06-18
   days on market $24,900 Active 5 DOM
3. 2026-06-17
   days on market $24,900 Active 4 DOM
4. 2026-06-16
   days on market $24,900 Active 3 DOM
5. 2026-06-15
   days on market $24,900 Active 2 DOM
6. 2026-06-14
   remarks 687-char remark
7. 2026-06-14
   pricedays on marketlisting id $24,900 Active 1 DOM
8. 2026-06-10
   days on market $89,900 Active 353 DOM
9. 2026-06-09
   days on market $89,900 Active 352 DOM
10. 2026-06-08
    days on market $89,900 Active 351 DOM
11. 2026-06-07
    days on market $89,900 Active 350 DOM
12. 2026-06-05
    days on market $89,900 Active 347 DOM
13. 2026-06-03
    days on market $89,900 Active 346 DOM
14. 2026-06-02
    days on market $89,900 Active 345 DOM
15. 2026-06-01
    days on market $89,900 Active 344 DOM
16. 2026-05-31
    days on market $89,900 Active 343 DOM
17. 2026-05-30
    days on market $89,900 Active 342 DOM
18. 2026-03-03
    status Active 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

19. 2026-02-28
    historical 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

20. 2026-02-06
    price $89,900 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

21. 2025-11-24
    status Active 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

22. 2025-11-17
    historical Contingent 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

23. 2025-08-11
    price $94,900 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

24. 2025-06-19
    listed $99,900 Active 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

25. 2025-06-14
    historical $99,900 598-char remark

    Show marketing remark (598 chars)

    2 Bed, 2 Bath on 0.51 Acres This 2 bedroom, 2 bath mobile home sits on just over half an acre with a nice yard and quiet surroundings. Inside you'll find a functional layout with a large living room, open kitchen with lots of cabinet space, and split bedrooms for privacy. The primary suite has a garden tub, separate shower, and double windows for natural light. The covered front porch, concrete walkway, and roomy lot add to the potential. Would make a solid rental or affordable place to live with a few cosmetic updates. Convenient location, close to I-20, Honda, Kronospan, & The Depot!

ⓘ 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: $59 · $5/mo
• Projected year-2 tax: $102 · $9/mo
• Expected delta: +$43/yr (+$4/mo · 73.3%)

ⓘ 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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% 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: $13,355
• − Mortgage interest: −$1,395
• − Property taxes: −$59
• − Insurance: −$124
• − Repairs & maintenance: −$1,068
• − Management: −$1,068
• − Depreciation: −$724
• Taxable income: $8,915
• Est. tax owed @ 24.0%: −$2,140
• After-tax cash flow: $6,660/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: Oxford City
• NCES district ID: 0102635
• Math proficiency: 27% ▼ -25.00%
• Reading proficiency: 55% ▲ 5.00%
• Median HH income: $48,971
• Composite: 35.11/100
• National rank: #5017
• State rank: #22 of 129 in AL

Livability — Oxford

• Score: 76/100
• State rank: #13
• US rank: #3446

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oxford, AL
• County: Calhoun County · 71,763 people
• City population: 18,919
• Metro: Anniston-Oxford, AL
• Population (ZIP): 18,919
• Household income: $69,485
• Rent vs Own: 26.5% rent · 73.5% own
• Severe rent burden: 404.0

Population outlook (Calhoun County) Hauer SSP2

• Today (2025): 109,765 people
• By 2030: 105,708 · -3.7%
• By 2040: 96,192 · -12.4%
• By 2050: 86,413 · -21.3%
• By 2075: 63,467 · -42.2%
• By 2100: 44,704 · -59.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Black 17% Hispanic / Latino 7% Two or more races 5% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Italian 2% Romanian 2% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 6% Korean 1%

Political lean MEDSL · Calhoun

• 2024 margin: Solid R (+44.8) · D 27.2% · R 71.9%
• 2008→2024 swing: -12.2pp toward R · 2008: -32.5pp · 2024: -44.8pp
• All cycles: 2024: R+44.8 2020: R+39.0 2016: R+41.4 2012: R+31.9 2008: R+32.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.24%
• Current HPI: 211.005
• Rent YoY: ▲ 0.39%
• Metro: Anniston-Oxford, 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

-10.0% since first listed

8 events — show timeline

• 2026-03-03 Relisted — Greater Alabama MLS
• 2026-02-28 Delisted — Greater Alabama MLS
• 2026-02-06 Price Changed $89,900 Greater Alabama MLS
• 2025-11-24 Relisted — Greater Alabama MLS
• 2025-11-17 Contingent — Greater Alabama MLS
• 2025-08-11 Price Changed $94,900 Greater Alabama MLS
• 2025-06-19 Listed $99,900 Greater Alabama MLS
• 2025-06-14 Coming Soon $99,900 Greater Alabama MLS

Property tax history

-7.2%/yr

Latest (2025): $59 · +0.0% YoY. Source: county tax records.