730 County Road 1526 · Cullman, AL 35058

$179,900

2 bd · 2.0 ba · 925 sqft · SingleFamily · 228 Days on market

Built 2025 Good condition 0.51 ac lot $194/sqft · at area comps Est $185k · at est. ↓ 5% since listing

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Why this score? — see what drove the F 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 +8.7/15.0
• Cash flow +7.3/30.0
• Condition / age +4.0/5.0
• Livability +3.6/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Still under construction, completion is coming soon! Adorable 2 bedroom, 2 full bath home on . 51 of an acre. Cottage style home, with vaulted wood ceiling in family room, ample light: windows are plentiful. Dimensional architectural roof, level lot. Eat in kitchen, laundry off the side entrance. LVP flooring throughout. Kitchen will have stove and dishwasher. Home is build on a crawl space. Local builder, Fairview school district, easy access to home. Great for first time home buyers or downsizing. Don't miss this one!

Key facts

• 0.51 acre lot
• Built 2025
• Listed 227 days

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $180k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-239 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $145k (19.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $127k (29.3% below list).
• Recommended offer: $127k (29.3% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 3.6% in Cullman — 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 71/100 on livability (#36 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities C-, commute F, health & safety F.
• Cullman County (rural): math 19% / reading 49% proficiency, ranked #49 of 129 in AL (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Fairview Elementary School (math 16% / reading 54%, grade F, #291 of 627 statewide, top 47%, 614 students, 66% FRL); Fairview Middle School (math 12% / reading 53%, grade F, #105 of 257 statewide, top 42%, 305 students, 64% FRL); Fairview High School (math 37% / reading 22%, grade F, #70 of 305 statewide, top 27%, 501 students, 61% FRL).
• Market conditions: 168 active listings in the ZIP; 180 units permitted in Cullman County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 228 days — a 12% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 25% chance of damaging wind over 30y; moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $127,115 (29.3% 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 228 days. Have you received any prior offers? Is the seller open to a 29% concession, seller financing, or rate buy-down credit?
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 B-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?
6. 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?
7. 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.
8. 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.
9. 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: 0.71% ✗
• Cap rate: 4.70%
• Cash-on-cash: -5.69%
• DSCR: 0.75
• GRM: 11.8

CMA / ARV

• ARV (median comp): $185,000
• List price: $179,900
• Delta: -2.76%
• Verdict: FAIR
• Comps: 5 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
694 Co Rd 1526	0.05mi	2/1.0	930 (+0%)	2mo	$201,000	$216	91
89 Co Rd 1495	0.71mi	2/2.0	975 (+5%)	7mo	$185,000	$190	52
4601 County Road 1527	0.11mi	3/2.0 (+1)	1,118 (+21%)	22mo	$182,000	$163	47
5825 Highway 55 East	0.39mi	2/2.0	1,050 (+14%)	37mo	$65,000	$62	39
4848 Co Rd 1527	0.16mi	3/1.0 (+1)	1,108 (+20%)	54mo	$148,500	$134	39
530 Co Rd 1541	1.73mi	3/1.0 (+1)	960 (+4%)	14mo	$120,000	$125	38
5306 Highway 55 East	1.42mi	2/1.0	1,001 (+8%)	15mo	$149,900	$150	35
931 Co Rd 1498	0.76mi	3/1.0 (+1)	864 (-7%)	59mo	$49,900	$58	25
482 County Road 1497	1.81mi	3/3.0 (+1)	1,163 (+26%)	40mo	$830,000	$714	11

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -26.0%
• Equity multiple: 0.12×
• Total profit: $-44,357
• Equity at exit: $26,824

10-year hold

• IRR: -22.8%
• Equity multiple: -0.15×
• Total profit: $-58,151
• Equity at exit: $15,554

Cash invested: $50,372 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 1 active · 1 under contract
• Months of supply: 6.0 mo (17%/mo absorbed)
• Median asking: $210,900 ($227/sqft)
• Median days on market: 33 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -11.8% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 35058

• Home prices YoY: -17.5%
• Active inventory: 168
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $1,271 medium
• Mortgage (P&I): −$943
• Tax est. 1.5%: −$225 /mo · $2,698/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $-239

Break-even live

Break-even rent $1,574

Max offer price $145,311

Occupancy floor —

Sensitivity live

Price	-10% $-115	-5% $-177	+0% $-239	+5% $-301	+10% $-363
Rent	-10% $-339	-5% $-289	+0% $-239	+5% $-189	+10% $-139
Rate	-1.0pp $-148	-0.5pp $-193	base $-239	+0.5pp $-286	+1.0pp $-333

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: $44,975
• Closing costs: $5,397
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-08-08
   days on market $179,900 Active 228 DOM
2. 2026-08-07
   days on market $179,900 Active 227 DOM
3. 2026-08-06
   days on market $179,900 Active 226 DOM
4. 2026-08-05
   days on market $179,900 Active 225 DOM
5. 2026-08-04
   days on market $179,900 Active 224 DOM
6. 2026-08-03
   days on market $179,900 Active 223 DOM
7. 2026-07-31
   days on market $179,900 Active 220 DOM
8. 2026-07-30
   days on market $179,900 Active 219 DOM
9. 2026-07-29
   days on market $179,900 Active 218 DOM
10. 2026-07-27
    days on market $179,900 Active 216 DOM
11. 2026-07-25
    days on market $179,900 Active 214 DOM
12. 2026-07-23
    days on market $179,900 Active 212 DOM
13. 2026-07-22
    days on market $179,900 Active 211 DOM
14. 2026-07-21
    days on market $179,900 Active 210 DOM
15. 2026-07-18
    days on market $179,900 Active 207 DOM
16. 2026-07-16
    days on market $179,900 Active 205 DOM
17. 2026-07-16
    days on market $179,900 Active 204 DOM
18. 2026-07-14
    days on market $179,900 Active 203 DOM
19. 2026-07-13
    days on market $179,900 Active 202 DOM
20. 2026-07-12
    days on market $179,900 Active 201 DOM
21. 2026-07-11
    days on market $179,900 Active 200 DOM
22. 2026-07-10
    days on market $179,900 Active 199 DOM
23. 2026-07-09
    days on market $179,900 Active 198 DOM
24. 2026-07-08
    days on market $179,900 Active 197 DOM
25. 2026-07-07
    days on market $179,900 Active 196 DOM
26. 2026-07-06
    days on market $179,900 Active 195 DOM
27. 2026-07-05
    days on market $179,900 Active 194 DOM
28. 2026-07-04
    days on market $179,900 Active 193 DOM
29. 2026-07-03
    days on market $179,900 Active 192 DOM
30. 2026-07-02
    days on market $179,900 Active 191 DOM
31. 2026-07-01
    days on market $179,900 Active 190 DOM
32. 2026-06-30
    days on market $179,900 Active 189 DOM
33. 2026-06-29
    days on market $179,900 Active 188 DOM
34. 2026-06-28
    days on market $179,900 Active 187 DOM
35. 2026-06-28
    days on market $179,900 Active 186 DOM
36. 2026-06-27
    days on market $179,900 Active 185 DOM
37. 2026-06-26
    days on market $179,900 Active 184 DOM
38. 2026-06-22
    days on market $179,900 Active 181 DOM
39. 2026-06-21
    days on market $179,900 Active 180 DOM
40. 2026-06-19
    days on market $179,900 Active 178 DOM
41. 2026-06-18
    days on market $179,900 Active 177 DOM
42. 2026-06-17
    days on market $179,900 Active 176 DOM
43. 2026-06-16
    days on market $179,900 Active 175 DOM
44. 2026-06-15
    days on market $179,900 Active 174 DOM
45. 2026-06-14
    days on market $179,900 Active 172 DOM
46. 2026-06-12
    days on market $179,900 Active 171 DOM
47. 2026-06-09
    days on market $179,900 Active 168 DOM
48. 2026-06-08
    days on market $179,900 Active 167 DOM
49. 2026-06-07
    days on market $179,900 Active 166 DOM
50. 2026-06-05
    days on market $179,900 Active 163 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 4/10 Moderate 7 d/yr ≥104°F today · 20 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 25% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,254
• − Mortgage interest: −$10,077
• − Property taxes: −$2,698
• − Insurance: −$900
• − Repairs & maintenance: −$1,220
• − Management: −$1,220
• − Depreciation: −$5,233
• Taxable loss: −$6,095
• Est. tax savings @ 24.0%: +$1,463
• After-tax cash flow: $-1,406/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.

Condition & rehab AI · 6 photos

Good 80/100 None rehab

This home is under construction and will soon be move-in ready. It offers a spacious layout with vaulted wood ceilings and ample natural light. The home will feature LVP flooring, a fully equipped kitchen, and a well-maintained exterior. The addition of appliances, cabinetry, and landscaping will significantly enhance its value.

Value-add opportunities

• Resale Appliances — Stove and dishwasher will be installed ↑
• Resale Flooring — LVP flooring will be installed ↑
• Resale Kitchen cabinetry — Kitchen cabinetry will be installed ↑
• Resale Bathroom fixtures — Bathroom fixtures will be installed ↑
• Resale Paint — Interior walls and ceilings will be painted ↑
• Both HVAC — HVAC system will be installed ↑
• Both Landscaping — Landscaping and curb appeal will be improved ↑

F Composite school gradezoned avg 32/100

Zoned Schools

Elementary Fairview Elementary School F AL #291/627 Nat'l #22,904/41,679 Middle Fairview Middle School F AL #105/257 Nat'l #8,188/14,009 High Fairview High School F AL #70/305 Nat'l #11,215/17,239

Schools (NCES district)

• District: Cullman County
• NCES district ID: 0101020
• Math proficiency: 19% ▼ -35.00%
• Reading proficiency: 49% ▲ 1.00%
• Median HH income: $39,449
• Composite: 28.39/100
• National rank: #6767
• State rank: #49 of 129 in AL

B Composite livability gradescore 71/100

Livability — Cullman

• Score: 71/100
• State rank: #36
• US rank: #6789

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Cullman County · 84,522 people
• City population: 34,660
• Metro: Cullman, AL
• Population (ZIP): 11,545
• Household income: $62,146
• Rent vs Own: 25.6% rent · 74.4% own
• Severe rent burden: 8% of renters

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Population outlook (Cullman County) Hauer SSP2

• Today (2025): 84,522 people
• By 2030: 85,402 · +1.0%
• By 2040: 86,152 · +1.9%
• By 2050: 85,202 · +0.8%
• By 2075: 79,679 · -5.7%
• By 2100: 66,943 · -20.8%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 10% Two or more races 4% Asian 4% Native American 1%
• Hispanic origin (detail): Mexican 9%
• Common ancestry: Slovak 4% Serbian 1% Lithuanian 1%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 9% Tagalog/Filipino 1% Vietnamese 1%

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Political lean MEDSL · Cullman

• 2024 margin: Solid R (+80.5) · D 9.4% · R 89.9%
• 2008→2024 swing: -15.3pp toward R · 2008: -65.2pp · 2024: -80.5pp
• All cycles: 2024: R+80.5 2020: R+77.4 2016: R+77.8 2012: R+69.5 2008: R+65.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -53.88%
• Current HPI: 254.3583
• Rent YoY: —
• Metro: Cullman, AL
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

-4.8% since first listed

4 events — show timeline

• 2026-05-05 Price Changed $179,900 Greater Alabama MLS
• 2026-05-05 Price Changed $179,900 SAARMLS
• 2025-12-23 Listed $189,000 SAARMLS
• 2025-12-23 Listed $189,000 Greater Alabama MLS