713 Pinehill Dr · Mobile, AL 36606

$95,109

3 bd · 1.0 ba · 1,412 sqft · SingleFamily public records · 100 Days on market

Built 1989 9,997 sqft lot $67/sqft · 33% below area Est $142k · 33% under ↓ 8% since listing

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.6/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming 3-bedroom, 1-bath home offers approximately 1,412 sq. ft. of living space and plenty of potential. Featuring a large living room, dining area, and den, there's ample room to customize and add value. Enjoy the spacious front and back yard, perfect for outdoor living or entertaining. Tucked away in a quiet cul-de-sac within the Rickarby neighborhood just off Government Blvd, this property provides convenient access to shopping, dining, and quick commutes via I-10. Ideal for investors or anyone seeking an income-generating property. Don't miss this opportunity! Buyer and buyer's agent to verify all information, including but not limited to square footage, measurements, and schools/bus route.

Key facts

• Spacious front yard
• Quiet cul-de-sac
• Dining area

Tags

• LARGE LIVING ROOM
• DINING AREA
• SPACIOUS FRONT YARD
• SPACIOUS BACK YARD
• QUIET CUL-DE-SAC
• CONVENIENT ACCESS TO SHOPPING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $516 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $87k (9.0% below list) — sets the bar for market timing.
• Cap rate 12.8% vs local median 4.9% in Mobile — 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 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D-, crime F, employment D-.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.1%/yr); 175 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 49% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).
• This rent runs 32% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $658 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 5.1% rent growth), your $27k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 100 days — a 9% lower offer ($87k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $86,549 (9.0% below list)

Questions for the listing agent

1. It's been on market 100 days. Have you received any prior offers? Is the seller open to a 9% 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. 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?
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: 1.46% ✓
• Cap rate: 12.80%
• Cash-on-cash: 23.24%
• DSCR: 2.03
• GRM: 5.7

CMA / ARV

• ARV (median comp): $142,359
• List price: $95,109
• Delta: -33.19%
• 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
2258 Howell Ave	0.16mi	3/1.0	1,264 (-10%)	2mo	$145,000	$115	73
603 Glenwood St	0.54mi	3/1.0	1,400 (-1%)	4mo	$137,000	$98	70
2275 Howell Ave	0.18mi	3/1.5	1,260 (-11%)	8mo	$90,000	$71	65
417 Crenshaw St	0.56mi	4/1.0 (+1)	1,426 (+1%)	3mo	$48,000	$34	65
2560 Howell Ave	0.24mi	3/2.0	1,272 (-10%)	7mo	$145,000	$114	62
610 Glenwood St	0.49mi	3/1.0	1,302 (-8%)	8mo	$120,500	$93	57
958 Cloverdale Dr	0.60mi	3/2.0	1,348 (-4%)	7mo	$35,000	$26	55
459 Pinehill Dr	0.36mi	3/2.0	1,240 (-12%)	6mo	$157,000	$127	54
710 Euclid Ave	0.38mi	3/2.0	1,222 (-14%)	4mo	$139,000	$114	53
258 W Mount Island Dr	0.73mi	2/1.0 (-1)	1,350 (-4%)	2mo	$263,500	$195	52
2467 Karagan Dr	0.65mi	3/1.0	1,269 (-10%)	6mo	$115,000	$91	47
509 W Barksdale Dr	0.67mi	3/2.0	1,550 (+10%)	6mo	$250,000	$161	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 · 5.06% rent growth · sell at horizon

5-year hold

• IRR: 18.4%
• Equity multiple: 1.76×
• Total profit: $20,334
• Equity at exit: $14,181

10-year hold

• IRR: 28.1%
• Equity multiple: 3.72×
• Total profit: $72,429
• Equity at exit: $8,223

Cash invested: $26,631 (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 36606

• Rents YoY: 5.1%
• Active inventory: 175
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,385 high
• Mortgage (P&I): −$499
• Tax from tax record: −$40 /mo · $485/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$291
• Net cashflow: $516

Break-even live

Break-even rent $733

Max offer price $95,109

Occupancy floor 58%

Sensitivity live

Price	-10% $569	-5% $543	+0% $516	+5% $489	+10% $462
Rent	-10% $406	-5% $461	+0% $516	+5% $570	+10% $625
Rate	-1.0pp $564	-0.5pp $540	base $516	+0.5pp $491	+1.0pp $466

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: $23,777
• Closing costs: $2,853
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
713 Iris Ave Mobile, AL	3.0	1.0	1617	$1,300	$0.80	22d	1	0.11mi
817 Hawkins St Mobile, AL	3.0	1.0	1217	$1,200	$0.99	44d	1	0.28mi
900 Courtney St Mobile, AL	2.0	1.0	1020	$1,200	$1.18	44d	1	0.32mi
618 Clarke St Mobile, AL	3.0	1.0	1427	$1,200	$0.84	44d	1	0.38mi
615 Mohawk St Mobile, AL	3.0	1.0	1172	$1,500	$1.28	44d	1	0.38mi
2068 Victory Ct Mobile, AL	4.0	1.0	1259	$1,225	$0.97	44d	1	0.51mi
562 Clarke St Mobile, AL	2.0	1.0	1061	$1,025	$0.97	44d	1	0.52mi
955 Cloverdale Dr Mobile, AL	3.0	1.5	1128	$1,125	$1.00	44d	1	0.56mi
2008 W Victory Dr Mobile, AL	3.0	1.0	1011	$1,200	$1.19	44d	1	0.57mi
418 Durande Dr Mobile, AL	3.0	2.0	1456	$1,350	$0.93	14d	1	0.67mi
611 Dauphin Island Pkwy Mobile, AL	3.0	2.0	1450	$1,300	$0.90	44d	1	0.71mi
561 Dauphin Island Pkwy Mobile, AL	4.0	2.0	1389	$1,050	$0.76	44d	1	0.75mi
461 Magnolia Rd Unit A Mobile, AL	2.0	1.0	989	$825	$0.83	44d	1	0.76mi
706 Cherokee St Mobile, AL	3.0	1.0	1260	$1,375	$1.09	22d	1	0.77mi
2656 Pathway Pl Mobile, AL	2.0–3.0	1.0	778	$1,261	$1.62	14d	9	0.89mi
2425 Nortons Ln Unit C Mobile, AL	2.0	1.0	1050	$1,200	$1.14	44d	1	0.89mi
2425 Nortons Ln Unit D Mobile, AL	2.0	1.0	1050	$1,100	$1.05	14d	1	0.89mi
315 Hadrian St Mobile, AL	3.0	2.0	1843	$1,800	$0.98	44d	1	0.97mi
751 Farnell Ln Mobile, AL	2.0	1.0	1100	$1,400	$1.27	44d	1	0.98mi
2503 Richard Ave Mobile, AL	2.0	1.0	928	$805	$0.87	14d	1	1.00mi
200 S Florida St Unit 101 Mobile, AL	2.0	2.0	1150	$1,375	$1.20	22d	1	1.03mi
2507 Taylor Ave Mobile, AL	3.0	1.0	1230	$1,495	$1.22	14d	1	1.05mi
209 S Fulton St Mobile, AL	2.0	1.5	1255	$1,750	$1.39	22d	1	1.06mi
182 Williams St Unit 1043570P Mobile, AL	3.0	1.0	1399	$2,476	$1.77	14d	1	1.10mi
2859 Brierwood Dr Mobile, AL	3.0	1.0	1057	$1,500	$1.42	14d	1	1.16mi
505 Bel Air Blvd Mobile, AL	1.0–2.0	1.0–2.0	976	$1,274	$1.30	14d	16	1.20mi
104 Ellinor St Mobile, AL	2.0	1.0	896	$1,275	$1.42	22d	1	1.22mi
168 W Collins St Mobile, AL	3.0	1.0	968	$725	$0.75	22d	1	1.24mi
2861 Ralston Rd Mobile, AL	3.0	2.0	1617	$1,650	$1.02	44d	1	1.28mi
3171 Pleasant Valley Rd Mobile, AL	2.0	1.0	875	$800	$0.91	44d	1	1.30mi
2855 Potter Dr Mobile, AL	2.0	1.0	1127	$1,050	$0.93	44d	1	1.31mi
1302 Navco Rd Mobile, AL	2.0	1.0	1009	$935	$0.93	14d	13	1.33mi
2861 Potter Dr Unit 1043844P Mobile, AL	3.0	2.0	1496	$2,492	$1.67	22d	1	1.33mi
122 Demouy Ave Unit 1/2 Mobile, AL	2.0	1.0	1300	$1,530	$1.18	44d	1	1.33mi
2863 Potter Dr Unit 1043693P Mobile, AL	4.0	2.0	1496	$3,049	$2.04	14d	1	1.34mi
150 Dunn Ave Mobile, AL	3.0	2.0	1455	$1,250	$0.86	22d	1	1.38mi
916 Delmar Dr Mobile, AL	3.0	1.0	1100	$1,400	$1.27	14d	1	1.44mi

Listing history 20 events

1. 2026-06-21
   days on market $95,109 Active 100 DOM
2. 2026-06-18
   days on market $95,109 Active 97 DOM
3. 2026-06-17
   price $95,109 Active 96 DOM
4. 2026-06-17
   days on market $159,900 Active 96 DOM
5. 2026-06-16
   days on market $159,900 Active 95 DOM
6. 2026-06-15
   days on market $159,900 Active 94 DOM
7. 2026-06-14
   days on market $159,900 Active 92 DOM
8. 2026-06-13
   days on market $159,900 Active 91 DOM
9. 2026-06-10
   days on market $159,900 Active 89 DOM
10. 2026-06-09
    days on market $159,900 Active 88 DOM
11. 2026-06-08
    days on market $159,900 Active 87 DOM
12. 2026-06-07
    days on market $159,900 Active 86 DOM
13. 2026-06-05
    days on market $159,900 Active 83 DOM
14. 2026-06-03
    days on market $159,900 Active 82 DOM
15. 2026-06-02
    days on market $159,900 Active 81 DOM
16. 2026-06-01
    days on market $159,900 Active 80 DOM
17. 2026-05-31
    days on market $159,900 Active 79 DOM
18. 2026-05-30
    days on market $159,900 Active 78 DOM
19. 2026-04-24
    price $159,900 711-char remark

    Show marketing remark (711 chars)

    This charming 3-bedroom, 1-bath home offers approximately 1,412 sq. ft. of living space and plenty of potential. Featuring a large living room, dining area, and den, there's ample room to customize and add value. Enjoy the spacious front and back yard, perfect for outdoor living or entertaining. Tucked away in a quiet cul-de-sac within the Rickarby neighborhood just off Government Blvd, this property provides convenient access to shopping, dining, and quick commutes via I-10. Ideal for investors or anyone seeking an income-generating property. Don't miss this opportunity! Buyer and buyer's agent to verify all information, including but not limited to square footage, measurements, and schools/bus route.

20. 2026-03-13
    listed $174,500 Active 711-char remark

    Show marketing remark (711 chars)

    This charming 3-bedroom, 1-bath home offers approximately 1,412 sq. ft. of living space and plenty of potential. Featuring a large living room, dining area, and den, there's ample room to customize and add value. Enjoy the spacious front and back yard, perfect for outdoor living or entertaining. Tucked away in a quiet cul-de-sac within the Rickarby neighborhood just off Government Blvd, this property provides convenient access to shopping, dining, and quick commutes via I-10. Ideal for investors or anyone seeking an income-generating property. Don't miss this opportunity! Buyer and buyer's agent to verify all information, including but not limited to square footage, measurements, and schools/bus route.

ⓘ 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: $485 · $40/mo
• Projected year-2 tax: $485 · $40/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 9/10 Extreme 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,625
• − Mortgage interest: −$5,328
• − Property taxes: −$485
• − Insurance: −$476
• − Repairs & maintenance: −$1,330
• − Management: −$1,330
• − Depreciation: −$2,767
• Taxable income: $4,910
• Est. tax owed @ 24.0%: −$1,178
• After-tax cash flow: $5,010/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mobile, AL
• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 18,728
• Household income: $51,303
• Rent vs Own: 51.3% rent · 48.7% own
• Severe rent burden: 999.0

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (56%)
• Race & ethnicity: Black 56% White 37% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Italian 2% Scottish 2% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -232.19%
• Current HPI: 145.9025
• Rent YoY: ▲ 5.06%
• Metro: Mobile, 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

-8.4% since first listed

2 events — show timeline

• 2026-04-24 Price Changed $159,900 GCMLS AL
• 2026-03-13 Listed $174,500 GCMLS AL

Property tax history

+0.9%/yr

Latest (2025): $485 · +4.7% YoY. Source: county tax records.