1710 Elm Ln · Littleville, AL 35654

$90,000

3 bd · 2.0 ba · 1,376 sqft · SingleFamily public records · 9 Days on market

Built 1970 0.46 ac lot Est $122k · 27% under ↓ 28% 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 +28.3/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• Appreciation +0.6/10.0

Listing remarks MLS

Welcome to this cute and cozy 3 bed 2 bath home designed for comfort, convenience, and accessibility. The home features a smooth flow with 32 inch interior doors throughout, ensuring easy access for everyone. The open-concept living area is perfect for entertaining and family gatherings. The kitchen is equipped with new stainless appliances and newly painted cabinetry. The detached garage comfortably fits two vehicles, with additional space for storage, living space, or a workshop. Enjoy the outdoors on your sun porch or in your spacious fenced yard. This home combines modern amenities with thoughtful accessibility features. Don’t miss the opportunity to make this exceptional property your new home. All info and sq ft to be verified by buyer.

Key facts

• Metal roof
• Fenced yard
• Split floor plan

Tags

• SPLIT FLOOR PLAN
• LARGE KITCHEN
• ALL SEASON ROOM
• NEWER WINDOWS
• FENCED YARD
• METAL ROOF

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $289 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Cap rate 10.2% vs local median 3.5% in Littleville — 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 65/100 on livability (#122 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, amenities F, commute F.
• Colbert County (rural): math 13% / reading 38% proficiency, ranked #90 of 129 in AL (top 70%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Colbert County High School (math 5% / reading 32%, grade F, #184 of 305 statewide, top 61%, 455 students, 43% FRL) — zoned schools average 43% FRL vs 59% district-wide (16 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 43 active listings in the ZIP; 91 units permitted in Colbert County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Colbert County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $90,000

Questions for the listing agent

1. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. 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: 1.20% ✓
• Cap rate: 10.15%
• Cash-on-cash: 13.79%
• DSCR: 1.61
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $122,464
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1700 Pine Ave	0.11mi	3/1.0	1,333 (-3%)	11mo	$65,000	$49	77
1445 Bailey Ln	0.53mi	3/1.5	1,400 (+2%)	9mo	$252,000	$180	63
1175 George Wallace Hwy	0.51mi	3/1.0	1,258 (-9%)	9mo	$104,000	$83	50
105 Hayes Dr	0.50mi	2/2.0 (-1)	1,500 (+9%)	22mo	$134,000	$89	38

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: 3.9%
• Equity multiple: 1.15×
• Total profit: $3,834
• Equity at exit: $13,419

10-year hold

• IRR: 13.4%
• Equity multiple: 2.07×
• Total profit: $26,999
• Equity at exit: $7,782

Cash invested: $25,200 (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 35654

• Home prices YoY: -4.6%
• Active inventory: 43
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,079 medium
• Mortgage (P&I): −$472
• Tax from tax record: −$54 /mo · $642/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$227
• Net cashflow: $289

Break-even live

Break-even rent $713

Max offer price $90,000

Occupancy floor 68%

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: $22,500
• Closing costs: $2,700
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-04-24
   status Pending
2. 2026-04-16
   listed $90,000 Active
3. 2024-07-11
   soldstatus $189,900 Closed 758-char remark

   Show marketing remark (758 chars)

   Welcome to this cute and cozy 3 bed 2 bath home designed for comfort, convenience, and accessibility. The home features a smooth flow with 32 inch interior doors throughout, ensuring easy access for everyone. The open-concept living area is perfect for entertaining and family gatherings. The kitchen is equipped with new stainless appliances and newly painted cabinetry. The detached garage comfortably fits two vehicles, with additional space for storage, living space, or a workshop. Enjoy the outdoors on your sun porch or in your spacious fenced yard. This home combines modern amenities with thoughtful accessibility features. Don’t miss the opportunity to make this exceptional property your new home. All info and sq ft to be verified by buyer.

4. 2024-06-12
   status Pending 758-char remark

   Show marketing remark (758 chars)

   Welcome to this cute and cozy 3 bed 2 bath home designed for comfort, convenience, and accessibility. The home features a smooth flow with 32 inch interior doors throughout, ensuring easy access for everyone. The open-concept living area is perfect for entertaining and family gatherings. The kitchen is equipped with new stainless appliances and newly painted cabinetry. The detached garage comfortably fits two vehicles, with additional space for storage, living space, or a workshop. Enjoy the outdoors on your sun porch or in your spacious fenced yard. This home combines modern amenities with thoughtful accessibility features. Don’t miss the opportunity to make this exceptional property your new home. All info and sq ft to be verified by buyer.

5. 2024-06-06
   listed $189,900 Active 758-char remark

   Show marketing remark (758 chars)

   Welcome to this cute and cozy 3 bed 2 bath home designed for comfort, convenience, and accessibility. The home features a smooth flow with 32 inch interior doors throughout, ensuring easy access for everyone. The open-concept living area is perfect for entertaining and family gatherings. The kitchen is equipped with new stainless appliances and newly painted cabinetry. The detached garage comfortably fits two vehicles, with additional space for storage, living space, or a workshop. Enjoy the outdoors on your sun porch or in your spacious fenced yard. This home combines modern amenities with thoughtful accessibility features. Don’t miss the opportunity to make this exceptional property your new home. All info and sq ft to be verified by buyer.

6. 2022-05-17
   soldstatus $114,500
7. 2022-05-04
   soldstatus $114,500 377-char remark

   Show marketing remark (377 chars)

   This Adorable 3 bedrm 2 bath Brick home feautres a split floor plan, large kitchen with amples cabinet space, living rm with high ceiling & beams, an all season room, newer windows, fenced yard, metal roof, carport and a large 2 card detached garage/ shop. Lots of space for storage. Conveniently located just off Hwy 43 and an easy drive to the Shoals and Russellville.

8. 2022-01-10
   listed $124,500 377-char remark

   Show marketing remark (377 chars)

   This Adorable 3 bedrm 2 bath Brick home feautres a split floor plan, large kitchen with amples cabinet space, living rm with high ceiling & beams, an all season room, newer windows, fenced yard, metal roof, carport and a large 2 card detached garage/ shop. Lots of space for storage. Conveniently located just off Hwy 43 and an easy drive to the Shoals and Russellville.

ⓘ 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: $642 · $54/mo
• Projected year-2 tax: $642 · $54/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 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 21 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,949
• − Mortgage interest: −$5,041
• − Property taxes: −$642
• − Insurance: −$450
• − Repairs & maintenance: −$1,036
• − Management: −$1,036
• − Depreciation: −$2,618
• Taxable income: $2,125
• Est. tax owed @ 24.0%: −$510
• After-tax cash flow: $2,964/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: Colbert County
• NCES district ID: 0100840
• Math proficiency: 13% ▼ -24.00%
• Reading proficiency: 38% ▬ 0.00%
• Median HH income: $40,710
• Composite: 21.48/100
• National rank: #8328
• State rank: #90 of 129 in AL

Livability — Littleville

• Score: 65/100
• State rank: #122
• US rank: #12858

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Littleville, AL
• Population (ZIP): 8,396

Population outlook (Colbert County) Hauer SSP2

• Today (2025): 54,154 people
• By 2030: 53,746 · -0.8%
• By 2040: 52,431 · -3.2%
• By 2050: 50,303 · -7.1%
• By 2075: 44,789 · -17.3%
• By 2100: 36,676 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 18% Two or more races 8% Black 4% Native American 1%
• Hispanic origin (detail): Mexican 11%
• Common ancestry: Serbian 1% Italian 1% Lithuanian 1%
• Foreign-born: 9% · Canada
• Languages at home: 85% English-only · Spanish 15%

Political lean MEDSL · Colbert

• 2024 margin: Solid R (+46.4) · D 26.4% · R 72.8%
• 2008→2024 swing: -26.2pp toward R · 2008: -20.3pp · 2024: -46.4pp
• All cycles: 2024: R+46.4 2020: R+38.9 2016: R+38.3 2012: R+20.4 2008: R+20.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -8.75%
• Current HPI: 181.7
• Rent YoY: —
• Metro: —
• 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

-27.7% since first listed

8 events — show timeline

• 2026-04-24 Pending — SAARMLS
• 2026-04-16 Listed $90,000 SAARMLS
• 2024-07-11 Sold (MLS) $189,900 SAARMLS
• 2024-06-12 Pending — SAARMLS
• 2024-06-06 Listed $189,900 SAARMLS
• 2022-05-17 Sold (Public Records) $114,500 Public Records
• 2022-05-04 Sold (MLS) $114,500 SAARMLS
• 2022-01-10 Listed $124,500 SAARMLS

Property tax history

+6.5%/yr

Latest (2025): $642 · +28.9% YoY. Source: county tax records.