4585 Maysville Rd · Huntsville, AL 35761

$190,000

3 bd · 1.0 ba · 1,121 sqft · SingleFamily public records · 42 Days on market

Built 1997 0.45 ac lot $169/sqft · 22% below area Est $240k · 21% under

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Why this score? — see what drove the C 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 +20.9/30.0
• ARV discount +15.0/15.0
• DSCR +6.6/10.0
• 1% rule +4.2/10.0
• Livability +4.1/5.0
• Schools +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Say hello to 4585 Maysville Road! Where comfort and peace come together. This 3 - bed 2 - bath home sits on a spacious, flat, fenced lot just under a half acre, offering plenty of room to enjoy outdoor living, pets, or entertaining. Located in the desirable Buckhorn School District. Updates include all new windows (2025) Kitchen appliances (2025) Water heater (2022) HVAC unknown. Newer garage door with smart wifi opener. Roof ~10 yrs. Shed to remain. Home is being sold as is. Perfect for those looking to add their own personal touch while building equity. Call for your tour today!

Key facts

• Kitchen appliances
• Water heater
• Fenced lot

Tags

• FENCED LOT
• BUCKHORN SCHOOL DISTRICT
• NEW WINDOWS
• KITCHEN APPLIANCES
• WATER HEATER
• NEWER GARAGE DOOR

Property features AI

Finance

• Other: Lot approximately 0.45 acres (about 100 x 200); Living area reported as 1,111 square feet; Subdivision: Metes And Bounds; Directions provided: 72e, L. Moores Mill, R. Winchester, R. Bell Factory, L. Steakley, R. Maysville
• HOA & community: No homeowners association

Exterior

• Parking: Two-car garage
• Utilities: Public water; Septic sewer; Electric service (standard)
• Home design: Single-family residence; One-story; Built in 1997
• Construction: Slab foundation
• Exterior features: Public water source; Septic tank

Interior

• Bedrooms: Total of 5 rooms (includes all bedrooms and living spaces)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Wood-burning fireplace (one)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $264 ($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 $175k (7.8% below list).
• Recommended offer: $175k (7.8% below list) — sets the bar for 1% rule.
• Cap rate 8.0% vs local median 3.8% in Huntsville — 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 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Madison County (rural): math 27% / reading 56% proficiency, ranked #19 of 129 in AL (top 15%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Riverton Elementary School (math 52% / reading 67%, grade B-, #63 of 627 statewide, top 10%, 581 students, 29% FRL); Buckhorn Middle School (math 19% / reading 59%, grade F, #64 of 257 statewide, top 25%, 688 students, 38% FRL); Buckhorn High School (math 31% / reading 33%, grade F, #59 of 305 statewide, top 21%, 1,287 students, 34% FRL) — zoned schools at 34% FRL track the district average.
• Market conditions: 391 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,709 units permitted in Madison County in 2024 (1,186 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 $6k of value loss. Plan a longer hold.
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($184k) 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: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $175,091 (7.8% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 0.92% ✗
• Cap rate: 7.96%
• Cash-on-cash: 5.94%
• DSCR: 1.26
• GRM: 9.0

CMA / ARV

• ARV (median comp): $240,444
• List price: $190,000
• Delta: -20.98%
• 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
4541 Maysville Rd	0.10mi	3/2.0	1,153 (+3%)	4mo	$255,000	$221	83
110 Saint Clair Dr	0.20mi	3/1.0	1,073 (-4%)	1mo	$135,000	$126	83
139 Clear Creek Dr	0.12mi	3/2.0	1,167 (+4%)	9mo	$240,000	$206	76
137 Clear Creek Dr	0.13mi	3/2.0	1,037 (-8%)	4mo	$216,000	$208	74
104 Shadow Oak Cir	0.42mi	3/2.0	1,140 (+2%)	5mo	$235,000	$206	70
123 Castleridge Dr	0.46mi	3/2.0	1,207 (+8%)	1mo	$238,900	$198	61
103 Shadow Oak Cir	0.41mi	3/2.0	1,018 (-9%)	4mo	$209,900	$206	58
237 Tanner Point Dr	0.47mi	3/2.0	1,220 (+9%)	2mo	$237,500	$195	58
229 Tanner Point Dr	0.52mi	3/2.0	1,214 (+8%)	5mo	$250,000	$206	53
120 Mikaelas Way	0.55mi	3/2.0	1,228 (+10%)	3mo	$239,900	$195	52
220 Tanner Point Dr	0.62mi	3/2.0	1,243 (+11%)	8mo	$250,000	$201	42
207 Antler Ridge Dr	0.72mi	3/2.0	1,266 (+13%)	8mo	$233,000	$184	34

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: -7.2%
• Equity multiple: 0.74×
• Total profit: $-14,097
• Equity at exit: $28,330

10-year hold

• IRR: 2.4%
• Equity multiple: 1.17×
• Total profit: $8,961
• Equity at exit: $16,428

Cash invested: $53,200 (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 35761

• Home prices YoY: -9.3%
• Active inventory: 391
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,751 high
• Mortgage (P&I): −$996
• Tax from tax record: −$44 /mo · $530/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $264

Break-even live

Break-even rent $1,417

Max offer price $190,000

Occupancy floor 80%

Sensitivity live

Price	-10% $371	-5% $317	+0% $264	+5% $210	+10% $156
Rent	-10% $125	-5% $194	+0% $264	+5% $333	+10% $402
Rate	-1.0pp $359	-0.5pp $312	base $264	+0.5pp $214	+1.0pp $164

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
227 Falcon Ridge Dr Huntsville, AL	3.0	2.0	1425	$1,591	$1.12	44d	1	0.20mi
4429 Maysville Rd NE Huntsville, AL	3.0	2.0	1248	$1,650	$1.32	14d	1	0.32mi
112 Raptor Ct Huntsville, AL	3.0	2.0	1242	$1,700	$1.37	44d	1	0.34mi
104 Bataleur Ct Huntsville, AL	3.0	2.0	1250	$1,600	$1.28	44d	1	0.43mi
236 Tanner Point Dr New Market, AL	3.0	2.0	1288	$1,665	$1.29	14d	1	0.52mi
109 Tanner Ridge Cir New Market, AL	3.0	2.0	1332	$1,595	$1.20	44d	1	0.83mi
110 Olde Hearth RD New Market, AL	3.0	2.0	1143	$1,707	$1.49	21d	1	1.19mi
165 Olde Hearth Rd New Market, AL	3.0	2.0	1355	$1,684	$1.24	44d	1	1.25mi
157 Olde Hearth Rd New Market, AL	3.0	2.0	1466	$1,664	$1.14	21d	1	1.25mi
154 Olde Hearth Rd New Market, AL	3.0	2.0	1150	$1,695	$1.47	24d	1	1.25mi
154 Olde Hearth Rd New Market, AL	3.0	2.0	1143	$1,695	$1.48	14d	1	1.25mi

Listing history 14 events

1. 2026-06-18
   days on market $190,000 Active 42 DOM
2. 2026-06-17
   days on market $190,000 Active 41 DOM
3. 2026-06-16
   days on market $190,000 Active 40 DOM
4. 2026-06-15
   days on market $190,000 Active 39 DOM
5. 2026-06-14
   days on market $190,000 Active 37 DOM
6. 2026-06-10
   days on market $190,000 Active 34 DOM
7. 2026-06-09
   days on market $190,000 Active 33 DOM
8. 2026-06-08
   days on market $190,000 Active 32 DOM
9. 2026-06-07
   days on market $190,000 Active 31 DOM
10. 2026-06-02
    days on market $190,000 Active 26 DOM
11. 2026-06-01
    days on market $190,000 Active 25 DOM
12. 2026-05-31
    days on market $190,000 Active 24 DOM
13. 2026-05-30
    days on market $190,000 Active 23 DOM
14. 2026-05-07
    listed $190,000 Active 586-char remark

ⓘ 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: $530 · $44/mo
• Projected year-2 tax: $779 · $65/mo
• Expected delta: +$249/yr (+$21/mo · 47.0%)

ⓘ 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 5/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 20% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,011
• − Mortgage interest: −$10,643
• − Property taxes: −$530
• − Insurance: −$950
• − Repairs & maintenance: −$1,681
• − Management: −$1,681
• − Depreciation: −$5,527
• Taxable loss: −$1
• Est. tax savings @ 24.0%: +$0
• After-tax cash flow: $3,162/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: Madison County
• NCES district ID: 0102220
• Math proficiency: 27% ▼ -32.00%
• Reading proficiency: 56% ▼ -1.00%
• Median HH income: $66,058
• Composite: 37.15/100
• National rank: #4483
• State rank: #19 of 129 in AL

Livability — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 13,557
• Household income: $79,440
• Rent vs Own: 17.5% rent · 82.5% own
• Severe rent burden: 220.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 392,086 people
• By 2030: 409,788 · +4.5%
• By 2040: 440,557 · +12.4%
• By 2050: 460,990 · +17.6%
• By 2075: 502,872 · +28.3%
• By 2100: 513,623 · +31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Black 15% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 3% Serbian 2% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 1%

Political lean MEDSL · Madison

• 2024 margin: Lean R (+9.0) · D 44.7% · R 53.7% · Other 1.6%
• 2008→2024 swing: +6.0pp toward D · 2008: -14.9pp · 2024: -9.0pp
• All cycles: 2024: R+9.0 2020: R+8.0 2016: R+16.8 2012: R+18.7 2008: R+14.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -26.88%
• Current HPI: 261.8281
• Rent YoY: —
• Metro: Huntsville, 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

3 events — show timeline

• 2026-05-28 Relisted — VMLS
• 2026-05-20 Contingent — VMLS
• 2026-05-07 Listed $190,000 VMLS

Property tax history

+5.5%/yr

Latest (2024): $530 · +2.0% YoY. Source: county tax records.