770 Clover Cir · Odenville, AL 35146

$229,500

3 bd · 1.0 ba · 1,587 sqft · SingleFamily public records · 83 Days on market

Built 2018 Est $224k · at est. ↓ 28% 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).

• Cash flow +18.9/30.0
• ARV discount +6.3/15.0
• DSCR +5.9/10.0
• 1% rule +3.8/10.0
• Livability +3.4/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

Key facts

• Walk-in closet
• Large pantry
• Open concept layout

Tags

• OPEN CONCEPT LAYOUT
• LARGE PANTRY
• WALK-IN CLOSET
• MULTIPLE COMMUNITY PONDS

Property features AI

Finance

• HOA & community: No homeowners association

Exterior

• Parking: Attached two-car garage; Concrete driveway
• Security: Security system
• Utilities: Public water; Public sewer; Electric water heater
• Home design: Single-family residence; One story; Built in 2018; Residential property
• Construction: Slab foundation
• Exterior features: Public water; Public sewer; Lot in the Twelve Oaks subdivision; GPS-friendly directions

Interior

• Kitchen: Range; Dishwasher; Microwave
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Security system; 9 total rooms
• Laundry & utility: Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $234 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $201k (12.2% below list).
• Recommended offer: $201k (12.2% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 4.7% in Odenville — 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 67/100 on livability (#80 in AL) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Odenville Elementary School (436 students, 67% FRL); Odenville Middle School (math 7% / reading 51%, grade F, #134 of 257 statewide, top 53%, 570 students, 67% FRL) — zoned schools average 67% FRL vs 41% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 172 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 12d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 557 units permitted in St. Clair County in 2024 (0 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 $7k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 83 days — a 6% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 8y 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 $191k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 25% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $201,422 (12.2% below list)

Questions for the listing agent

1. It's been on market 83 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.88% ✗
• Cap rate: 7.52%
• Cash-on-cash: 4.38%
• DSCR: 1.19
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $223,767
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
725 Clover Cir	0.05mi	3/2.0	1,587 (0%)	12mo	$214,900	$135	84
180 Smith Glen Dr	0.27mi	3/2.0	1,587 (0%)	3mo	$235,000	$148	80
885 Clover Cir	0.13mi	3/2.0	1,587 (0%)	17mo	$200,000	$126	76
950 Clover Cir	0.20mi	3/2.0	1,601 (+1%)	12mo	$213,000	$133	75
115 Clover Ln	0.25mi	3/2.0	1,587 (0%)	16mo	$210,000	$132	71
145 Clover Ln	0.29mi	3/2.0	1,601 (+1%)	18mo	$219,500	$137	66
195 Southern Oaks Dr	0.65mi	3/2.0	1,654 (+4%)	2mo	$365,000	$221	57
785 Clover Cir	0.03mi	4/2.5 (+1)	1,428 (-10%)	24mo	$194,000	$136	51
985 Clover Cir	0.23mi	4/3.0 (+1)	1,665 (+5%)	23mo	$234,900	$141	49
105 Smith Glen Dr	0.31mi	3/2.0	1,410 (-11%)	21mo	$221,900	$157	45
55 Smith Glen Dr	0.33mi	3/2.0	1,410 (-11%)	23mo	$225,000	$160	43
125 Smith Glen Dr	0.30mi	3/2.0	1,363 (-14%)	19mo	$193,000	$142	42

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: -9.5%
• Equity multiple: 0.65×
• Total profit: $-22,376
• Equity at exit: $34,219

10-year hold

• IRR: -0.2%
• Equity multiple: 0.99×
• Total profit: $-717
• Equity at exit: $19,843

Cash invested: $64,260 (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 35146

• Home prices YoY: -15.8%
• Active inventory: 172
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,014 medium
• Mortgage (P&I): −$1,204
• Tax from tax record: −$58 /mo · $693/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$423
• Net cashflow: $234

Break-even live

Break-even rent $1,718

Max offer price $229,500

Occupancy floor 83%

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: $57,375
• Closing costs: $6,885
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
555 Clover Cir Springville, AL	4.0	2.5	2220	$1,970	$0.89	19d	1	0.13mi
524 Clover Cir Springville, AL	4.0	2.5	2220	$1,775	$0.80	12d	1	0.17mi
30 Meadows Dr Springville, AL	3.0	3.0	1770	$1,725	$0.97	3d	1	0.46mi

Listing history 27 events

1. 2026-06-18
   days on market $229,500 Active 83 DOM
2. 2026-06-17
   days on market $229,500 Active 82 DOM
3. 2026-06-16
   days on market $229,500 Active 81 DOM
4. 2026-06-15
   pricedays on market $229,500 Active 80 DOM
5. 2026-06-13
   days on market $235,000 Active 78 DOM
6. 2026-06-10
   days on market $235,000 Active 75 DOM
7. 2026-06-09
   days on market $235,000 Active 74 DOM
8. 2026-06-08
   days on market $235,000 Active 73 DOM
9. 2026-06-07
   days on market $235,000 Active 72 DOM
10. 2026-06-03
    days on market $235,000 Active 68 DOM
11. 2026-06-02
    days on market $235,000 Active 67 DOM
12. 2026-06-01
    days on market $235,000 Active 66 DOM
13. 2026-05-31
    days on market $235,000 Active 65 DOM
14. 2026-03-27
    listed $235,000 Active
15. 2019-02-28
    soldstatus $190,900 Sold 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

16. 2019-01-15
    historical 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

17. 2018-11-21
    status Active 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

18. 2018-11-15
    historical 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

19. 2018-10-27
    price $192,900 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

20. 2018-10-26
    status Active 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

21. 2018-10-16
    historical 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

22. 2018-10-11
    status Active 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

23. 2018-10-09
    historical 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

24. 2018-10-02
    price $191,900 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

25. 2018-09-29
    price $189,900 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

26. 2018-09-13
    listed $191,900 Active 500-char remark

    Show marketing remark (500 chars)

    The Allatoona offers charming exterior features and a functional layout. This one-story home with 3 bedrooms and 2 baths includes a spacious kitchen and breakfast bar overlooking the large living and dining areas. The private owner’s suite showcases a beautiful bathroom, large garden tub and walk-in closet. The Allatoona’s interior is further enhanced with $10,000 worth of upgrades including a full suite of kitchen appliances, beautiful wood cabinets, front yard landscaping and more.

27. 2018-01-02
    soldstatus $326,500

ⓘ 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: $693 · $58/mo
• Projected year-2 tax: $941 · $78/mo
• Expected delta: +$248/yr (+$21/mo · 35.7%)

ⓘ 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 6/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 22 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 25% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,171
• − Mortgage interest: −$12,856
• − Property taxes: −$693
• − Insurance: −$1,148
• − Repairs & maintenance: −$1,934
• − Management: −$1,934
• − Depreciation: −$6,676
• Taxable loss: −$1,069
• Est. tax savings @ 24.0%: +$257
• After-tax cash flow: $3,068/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: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Odenville

• Score: 67/100
• State rank: #80
• US rank: #10630

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Odenville, AL
• County: Saint Clair County · 54,404 people
• City population: 17,730
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 13,973
• Household income: $86,614
• Rent vs Own: 11.8% rent · 88.2% own
• Severe rent burden: 39.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 11% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Slovak 4% Italian 1% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% German/W. Germanic 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.81%
• Current HPI: 228.507
• Rent YoY: —
• Metro: Birmingham-Hoover, 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

-28.0% since first listed

14 events — show timeline

• 2026-03-27 Listed $235,000 VMLS
• 2019-02-28 Sold (MLS) $190,900 Greater Alabama MLS
• 2019-01-15 Delisted — Greater Alabama MLS
• 2018-11-21 Relisted — Greater Alabama MLS
• 2018-11-15 Delisted — Greater Alabama MLS
• 2018-10-27 Price Changed $192,900 Greater Alabama MLS
• 2018-10-26 Relisted — Greater Alabama MLS
• 2018-10-16 Delisted — Greater Alabama MLS
• 2018-10-11 Relisted — Greater Alabama MLS
• 2018-10-09 Delisted — Greater Alabama MLS
• 2018-10-02 Price Changed $191,900 Greater Alabama MLS
• 2018-09-29 Price Changed $189,900 Greater Alabama MLS
• 2018-09-13 Listed $191,900 Greater Alabama MLS
• 2018-01-02 Sold (Public Records) $326,500 Public Records

Property tax history

+20.3%/yr

Latest (2025): $693 · +0.0% YoY. Source: county tax records.