14750 Pawnee Ct · Foley, AL 36535

$284,900

3 bd · 2.0 ba · 1,901 sqft · SingleFamily public records · 335 Days on market

Built 2005 0.27 ac lot $150/sqft · 5% below area Est $301k · 5% under $13/mo HOA · 1% of rent

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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 +13.3/30.0
• ARV discount +9.9/15.0
• DSCR +4.0/10.0
• Schools +3.9/10.0
• Livability +3.1/5.0
• Rent growth +3.0/5.0
• 1% rule +2.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully remodeled brick home at the end of a cul de sac. Are you looking for a place to call home that you can just move right in and enjoy home ownership? This home is for you! This 3 bed 2 bath home has been updated and remodeled top to bottom! This wonderful home has fresh paint throughout the interior and garage, new flooring in every room, new vanities in both bathrooms, new LED can lighting in the vaulted ceilings, new ceiling fans throughout, new blinds on the windows, new counter tops in the kitchen, freshly painted kitchen cabinets, new toilets and shower fixtures in each bathroom and more! Seller is also offering a $2500 appliance allowance for the new owners to get what makes them happy! This home is move in ready for the family wanting a little privacy and a great neighborhood! Call me or your favorite agent today to come see this home before its gone! Buyer to verify all information during due diligence.

Key facts

• Fresh paint
• Cul de sac
• New flooring

Tags

• REMODELED BRICK HOME
• CUL DE SAC
• FRESH PAINT
• NEW FLOORING
• NEW VANITIES
• NEW LED CAN LIGHTING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $285k.

Deal economics

• At list price, monthly cash flow is $2 ($29/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 $223k (21.7% below list).
• Recommended offer: $223k (21.7% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 4.0% in Foley — 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 61/100 on livability (#241 in AL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A-, crime B; Watch: employment D+, amenities F, commute F.
• Baldwin County (rural): math 33% / reading 57% proficiency, ranked #18 of 129 in AL (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Foley Elementary School (math 22% / reading 44%, grade F, #323 of 627 statewide, top 52%, 992 students, 76% FRL); Foley Middle School (math 11% / reading 36%, grade F, #172 of 257 statewide, top 68%, 783 students, 82% FRL); Foley High School (math 24% / reading 25%, grade F, #118 of 305 statewide, top 45%, 1,578 students, 75% FRL) — zoned schools average 78% FRL vs 38% district-wide (40 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 27% at this address vs 45% district-wide (-18 pts) — the specific schools serving this property underperform the Baldwin County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+1.8%/yr); 883 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 3,883 units permitted in Baldwin County in 2024 (481 in 5+ unit buildings).
• This rent runs 40% of the median local income ($67k/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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Baldwin County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 335 days — a 12% lower offer ($251k) 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→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $223,098 (21.7% below list)

Questions for the listing agent

1. It's been on market 335 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 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?
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: 0.78% ✗
• Cap rate: 6.30%
• Cash-on-cash: 0.04%
• DSCR: 1.00
• GRM: 10.6

CMA / ARV

• ARV (median comp): $300,892
• List price: $284,900
• Delta: -5.31%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
101 Savannah Cir	0.35mi	3/2.5	1,886 (-1%)	3mo	$372,000	$197	78
215 Savannah Cir	0.34mi	3/2.0	1,750 (-8%)	3mo	$300,000	$171	68
164 Mark Twain Loop	0.69mi	3/2.0	1,884 (-1%)	4mo	$330,000	$175	63
984 Ashville Cir	0.75mi	3/2.0	1,848 (-3%)	3mo	$344,084	$186	58
825 Sumter Loop	0.68mi	3/2.0	1,779 (-6%)	3mo	$343,767	$193	55
220 W Spruce Ave	0.71mi	4/2.0 (+1)	1,987 (+4%)	0mo	$257,500	$130	54
14925 Dayton Cir	0.70mi	4/2.0 (+1)	2,031 (+7%)	1mo	$340,025	$167	50
14816 Dayton Cir	0.71mi	4/2.0 (+1)	1,791 (-6%)	4mo	$332,240	$186	49
14824 Dayton Cir	0.71mi	4/2.0 (+1)	2,031 (+7%)	3mo	$325,000	$160	48
14984 Dayton Cir	0.74mi	4/2.0 (+1)	2,031 (+7%)	3mo	$345,000	$170	47
105 Mark Twain Loop	0.61mi	3/2.0	1,626 (-14%)	4mo	$283,000	$174	44
15405 Hearthstone Dr	0.73mi	4/3.0 (+1)	2,105 (+11%)	4mo	$310,000	$147	36

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 · 1.81% rent growth · sell at horizon

5-year hold

• IRR: -17.5%
• Equity multiple: 0.39×
• Total profit: $-48,747
• Equity at exit: $42,480

10-year hold

• IRR: -11.8%
• Equity multiple: 0.33×
• Total profit: $-53,211
• Equity at exit: $24,633

Cash invested: $79,772 (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 36535

• Home prices YoY: -24.9%
• Rents YoY: 1.8%
• Active inventory: 883
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,231 high
• Mortgage (P&I): −$1,494
• Tax from tax record: −$134 /mo · $1,612/yr
• Insurance: −$119
• HOA: −$13
• Vacancy / Maint / Mgmt: −$469
• Net cashflow: $2

Break-even live

Break-even rent $2,228

Max offer price $284,900

Occupancy floor 95%

Sensitivity live

Price	-10% $164	-5% $83	+0% $2	+5% $-78	+10% $-159
Rent	-10% $-174	-5% $-86	+0% $2	+5% $91	+10% $179
Rate	-1.0pp $146	-0.5pp $75	base $2	+0.5pp $-71	+1.0pp $-147

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: $71,225
• Closing costs: $8,547
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14654 Dayton Cir Foley, AL	4.0	2.0	1791	$2,300	$1.28	22d	1	0.55mi
14746 Dayton Cir Foley, AL	4.0	2.0	1800	$2,300	$1.28	45d	1	0.64mi
14843 Dayton Cir Foley, AL	4.0	2.0	1791	$2,400	$1.34	15d	1	0.67mi
14836 Dayton Cir Foley, AL	4.0	2.0	1791	$2,400	$1.34	22d	1	0.69mi
1924 N Pine St Foley, AL	3.0	2.0	1630	$1,600	$0.98	22d	1	0.70mi
15293 Troon Dr Foley, AL	3.0	2.0	1560	$2,600	$1.67	15d	1	0.85mi
1701 Woodbridge Cir E Foley, AL	3.0	2.0	1622	$2,000	$1.23	15d	1	0.93mi
1481 Majesty Loop Foley, AL	4.0	2.0	1820	$2,200	$1.21	15d	1	1.15mi
1487 Majesty Loop Foley, AL	4.0	2.0	1820	$2,200	$1.21	15d	1	1.17mi

HOA detail

• Monthly dues: $13 · $156/yr

Listing history 24 events

1. 2026-06-21
   statusdays on market $284,900 Pending 335 DOM
2. 2026-06-19
   days on market $284,900 Active 334 DOM
3. 2026-06-18
   days on market $284,900 Active 333 DOM
4. 2026-06-17
   days on market $284,900 Active 332 DOM
5. 2026-06-16
   days on market $284,900 Active 331 DOM
6. 2026-06-15
   days on market $284,900 Active 330 DOM
7. 2026-06-14
   days on market $284,900 Active 328 DOM
8. 2026-06-13
   days on market $284,900 Active 327 DOM
9. 2026-06-10
   days on market $284,900 Active 325 DOM
10. 2026-06-09
    days on market $284,900 Active 324 DOM
11. 2026-06-08
    days on market $284,900 Active 323 DOM
12. 2026-06-07
    days on market $284,900 Active 322 DOM
13. 2026-06-03
    days on market $284,900 Active 318 DOM
14. 2026-06-02
    days on market $284,900 Active 317 DOM
15. 2026-06-01
    days on market $284,900 Active 316 DOM
16. 2026-05-31
    days on market $284,900 Active 315 DOM
17. 2026-05-30
    days on market $284,900 Active 314 DOM
18. 2026-05-03
    price $284,900 939-char remark

    Show marketing remark (939 chars)

    Beautifully remodeled brick home at the end of a cul de sac. Are you looking for a place to call home that you can just move right in and enjoy home ownership? This home is for you! This 3 bed 2 bath home has been updated and remodeled top to bottom! This wonderful home has fresh paint throughout the interior and garage, new flooring in every room, new vanities in both bathrooms, new LED can lighting in the vaulted ceilings, new ceiling fans throughout, new blinds on the windows, new counter tops in the kitchen, freshly painted kitchen cabinets, new toilets and shower fixtures in each bathroom and more! Seller is also offering a $2500 appliance allowance for the new owners to get what makes them happy! This home is move in ready for the family wanting a little privacy and a great neighborhood! Call me or your favorite agent today to come see this home before its gone! Buyer to verify all information during due diligence.

19. 2026-04-08
    price $294,900 939-char remark

    Show marketing remark (939 chars)

    Beautifully remodeled brick home at the end of a cul de sac. Are you looking for a place to call home that you can just move right in and enjoy home ownership? This home is for you! This 3 bed 2 bath home has been updated and remodeled top to bottom! This wonderful home has fresh paint throughout the interior and garage, new flooring in every room, new vanities in both bathrooms, new LED can lighting in the vaulted ceilings, new ceiling fans throughout, new blinds on the windows, new counter tops in the kitchen, freshly painted kitchen cabinets, new toilets and shower fixtures in each bathroom and more! Seller is also offering a $2500 appliance allowance for the new owners to get what makes them happy! This home is move in ready for the family wanting a little privacy and a great neighborhood! Call me or your favorite agent today to come see this home before its gone! Buyer to verify all information during due diligence.

20. 2026-02-09
    price $299,900 939-char remark

    Show marketing remark (939 chars)

    Beautifully remodeled brick home at the end of a cul de sac. Are you looking for a place to call home that you can just move right in and enjoy home ownership? This home is for you! This 3 bed 2 bath home has been updated and remodeled top to bottom! This wonderful home has fresh paint throughout the interior and garage, new flooring in every room, new vanities in both bathrooms, new LED can lighting in the vaulted ceilings, new ceiling fans throughout, new blinds on the windows, new counter tops in the kitchen, freshly painted kitchen cabinets, new toilets and shower fixtures in each bathroom and more! Seller is also offering a $2500 appliance allowance for the new owners to get what makes them happy! This home is move in ready for the family wanting a little privacy and a great neighborhood! Call me or your favorite agent today to come see this home before its gone! Buyer to verify all information during due diligence.

21. 2025-12-30
    price $309,900 939-char remark

    Show marketing remark (939 chars)

    Beautifully remodeled brick home at the end of a cul de sac. Are you looking for a place to call home that you can just move right in and enjoy home ownership? This home is for you! This 3 bed 2 bath home has been updated and remodeled top to bottom! This wonderful home has fresh paint throughout the interior and garage, new flooring in every room, new vanities in both bathrooms, new LED can lighting in the vaulted ceilings, new ceiling fans throughout, new blinds on the windows, new counter tops in the kitchen, freshly painted kitchen cabinets, new toilets and shower fixtures in each bathroom and more! Seller is also offering a $2500 appliance allowance for the new owners to get what makes them happy! This home is move in ready for the family wanting a little privacy and a great neighborhood! Call me or your favorite agent today to come see this home before its gone! Buyer to verify all information during due diligence.

22. 2025-07-20
    listed $319,900 Active 939-char remark

    Show marketing remark (939 chars)

    Beautifully remodeled brick home at the end of a cul de sac. Are you looking for a place to call home that you can just move right in and enjoy home ownership? This home is for you! This 3 bed 2 bath home has been updated and remodeled top to bottom! This wonderful home has fresh paint throughout the interior and garage, new flooring in every room, new vanities in both bathrooms, new LED can lighting in the vaulted ceilings, new ceiling fans throughout, new blinds on the windows, new counter tops in the kitchen, freshly painted kitchen cabinets, new toilets and shower fixtures in each bathroom and more! Seller is also offering a $2500 appliance allowance for the new owners to get what makes them happy! This home is move in ready for the family wanting a little privacy and a great neighborhood! Call me or your favorite agent today to come see this home before its gone! Buyer to verify all information during due diligence.

23. 2011-08-17
    soldstatus $283,500
24. 2005-07-29
    soldstatus $144,100

ⓘ 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: $1,612 · $134/mo
• Projected year-2 tax: $1,612 · $134/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 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,772
• − Mortgage interest: −$15,959
• − Property taxes: −$1,612
• − Insurance: −$1,424
• − Repairs & maintenance: −$2,142
• − Management: −$2,142
• − HOA: −$156
• − Depreciation: −$8,288
• Taxable loss: −$4,951
• Est. tax savings @ 24.0%: +$1,188
• After-tax cash flow: $1,217/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: Baldwin County
• NCES district ID: 0100270
• Math proficiency: 33% ▼ -26.00%
• Reading proficiency: 57% ▲ 1.00%
• Median HH income: $50,677
• Composite: 38.61/100
• National rank: #4157
• State rank: #18 of 129 in AL

Livability — Foley

• Score: 61/100
• State rank: #241
• US rank: #17616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Foley, AL
• County: Baldwin County · 181,514 people
• City population: 40,628
• Metro: Daphne-Fairhope-Foley, AL
• Population (ZIP): 40,628
• Household income: $66,714
• Rent vs Own: 22.6% rent · 77.4% own
• Severe rent burden: 803.0

Population outlook (Baldwin County) Hauer SSP2

• Today (2025): 248,264 people
• By 2030: 270,315 · +8.9%
• By 2040: 312,967 · +26.1%
• By 2050: 352,262 · +41.9%
• By 2075: 438,841 · +76.8%
• By 2100: 487,736 · +96.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 10% Two or more races 8% Black 5% Asian 2%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 1%
• Foreign-born: 6% · Canada, China
• Languages at home: 89% English-only · Spanish 7% Other Indo-European 2% Chinese 1%

Political lean MEDSL · Baldwin

• 2024 margin: Solid R (+58.2) · D 20.5% · R 78.7%
• 2008→2024 swing: -6.7pp toward R · 2008: -51.5pp · 2024: -58.2pp
• All cycles: 2024: R+58.2 2020: R+53.8 2016: R+57.8 2012: R+55.8 2008: R+51.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -86.82%
• Current HPI: 262.2796
• Rent YoY: ▲ 1.81%
• Metro: Daphne-Fairhope-Foley, 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

+97.7% since first listed

7 events — show timeline

• 2026-05-03 Price Changed $284,900 BCAR
• 2026-04-08 Price Changed $294,900 BCAR
• 2026-02-09 Price Changed $299,900 BCAR
• 2025-12-30 Price Changed $309,900 BCAR
• 2025-07-20 Listed $319,900 BCAR
• 2011-08-17 Sold (Public Records) $283,500 Public Records
• 2005-07-29 Sold (Public Records) $144,100 Public Records

Property tax history

+5.9%/yr

Latest (2025): $1,612 · +1.1% YoY. Source: county tax records.