1412 Taylor Ave · Clanton, AL 35045

$155,000

2 bd · 1.0 ba · 1,294 sqft · SingleFamily public records · 1 Days on market

Built 1900 Est $182k · 15% under

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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 +16.5/30.0
• ARV discount +14.3/15.0
• DSCR +5.1/10.0
• 1% rule +3.6/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 3 Bedroom home on a double lot in the heart of Clanton! This home still has tall baseboards and wide window trim of the early 1900's, but the finishes have been updated with a modern touch. The kitchen offers ample cabinet space and new appliance. A large family room complete with a cozy fireplace spans the back of the house. The large yard provides plenty of room for entertainment, pets, or playing for the kids!

Key facts

• Size yard
• Live-in ready
• Beautiful layout

Tags

• BEAUTIFUL LAYOUT
• SIZE YARD
• TWO MINUTES OUTSIDE DOWNTOWN
• RECEIVING RENOVATIONS
• LIVE-IN READY

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $92 ($1k/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 $133k (14.4% below list).
• Recommended offer: $133k (14.4% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 3.4% in Clanton — 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 (#259 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, crime D-, amenities F.
• Chilton County (rural): math 15% / reading 34% proficiency, ranked #94 of 129 in AL (top 73%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 125 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 25 units permitted in Chilton County in 2024 (0 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 $5k of value loss. Plan a longer hold.
• Chilton County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 5y 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

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 66% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $132,692 (14.4% below list)

Questions for the listing agent

1. Built in 1900 — 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 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?
4. Crime grade is D 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?
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: 0.86% ✗
• Cap rate: 7.00%
• Cash-on-cash: 2.54%
• DSCR: 1.11
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $182,454
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1409 Taylor Ave	0.03mi	2/1.0	1,214 (-6%)	1mo	$60,000	$49	88
1412 Taylor Ave	0.00mi	3/1.0 (+1)	1,294 (0%)	24mo	$148,900	$115	75
1006 2nd Ave N	0.43mi	2/2.0	1,358 (+5%)	0mo	$165,000	$122	68
1405 2nd Ave N	0.07mi	3/2.0 (+1)	1,372 (+6%)	17mo	$165,250	$120	64
1409 4th Ave N	0.15mi	3/1.0 (+1)	1,160 (-10%)	10mo	$185,000	$159	62
223 Louise St	0.49mi	3/2.0 (+1)	1,208 (-7%)	2mo	$208,900	$173	56
1693 4th Ave N	0.36mi	2/2.0	1,152 (-11%)	11mo	$175,000	$152	52
1804 4th Ave N	0.50mi	3/2.0 (+1)	1,326 (+2%)	18mo	$186,500	$141	48
113 Augusta St	0.52mi	3/1.0 (+1)	1,456 (+12%)	9mo	$160,000	$110	42
107 Hinkle Rd	0.58mi	2/2.0	1,100 (-15%)	21mo	$165,000	$150	26

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: -12.3%
• Equity multiple: 0.55×
• Total profit: $-19,320
• Equity at exit: $23,111

10-year hold

• IRR: -3.3%
• Equity multiple: 0.78×
• Total profit: $-9,500
• Equity at exit: $13,402

Cash invested: $43,400 (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 35045

• Home prices YoY: -25.8%
• Active inventory: 125
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,327 high
• Mortgage (P&I): −$813
• Tax from tax record: −$79 /mo · $949/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$279
• Net cashflow: $92

Break-even live

Break-even rent $1,211

Max offer price $155,000

Occupancy floor 88%

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
57 Park Dr S Clanton, AL	3.0	2.0	1192	$1,200	$1.01	43d	1	1.39mi
85 Park Dr S Clanton, AL	2.0	2.5	1204	$1,395	$1.16	23d	1	1.42mi
87 Park Dr S Clanton, AL	3.0	2.5	1344	$1,495	$1.11	23d	1	1.42mi
89 Park Dr S Clanton, AL	3.0	2.5	1344	$1,495	$1.11	23d	1	1.42mi
91 Park Dr S Clanton, AL	2.0	2.5	1204	$1,395	$1.16	23d	1	1.43mi

Listing history 2 events

1. 2026-06-19
   remarks 332-char remark
2. 2026-06-19
   listed $155,000 Active 1 DOM

ⓘ 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: $949 · $79/mo
• Projected year-2 tax: $949 · $79/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 6/10 Major 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 66% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,923
• − Mortgage interest: −$8,682
• − Property taxes: −$949
• − Insurance: −$775
• − Repairs & maintenance: −$1,274
• − Management: −$1,274
• − Depreciation: −$4,509
• Taxable loss: −$1,540
• Est. tax savings @ 24.0%: +$370
• After-tax cash flow: $1,471/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: Chilton County
• NCES district ID: 0100660
• Math proficiency: 15% ▼ -26.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $41,269
• Composite: 20.73/100
• National rank: #8520
• State rank: #94 of 129 in AL

Livability — Clanton

• Score: 61/100
• State rank: #259
• US rank: #18072

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Clanton, AL
• County: Chilton County · 15,324 people
• City population: 15,324
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 15,324
• Household income: $65,907
• Rent vs Own: 28.3% rent · 71.7% own
• Severe rent burden: 326.0

Population outlook (Chilton County) Hauer SSP2

• Today (2025): 44,064 people
• By 2030: 43,694 · -0.8%
• By 2040: 42,168 · -4.3%
• By 2050: 39,667 · -10.0%
• By 2075: 31,397 · -28.7%
• By 2100: 21,319 · -51.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Black 9% Hispanic / Latino 7% Two or more races 4% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Slovak 2% Serbian 2% Italian 1%
• Foreign-born: 3% · Canada, South Korea
• Languages at home: 95% English-only · Spanish 4% Other Indo-European 1%

Political lean MEDSL · Chilton

• 2024 margin: Solid R (+72.1) · D 13.7% · R 85.8%
• 2008→2024 swing: -14.3pp toward R · 2008: -57.8pp · 2024: -72.1pp
• All cycles: 2024: R+72.1 2020: R+67.4 2016: R+66.6 2012: R+60.3 2008: R+57.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -65.21%
• Current HPI: 187.6339
• 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

+520.0% since first listed

14 events — show timeline

• 2026-06-19 Listed $155,000 FSBO.com
• 2024-07-01 Pending — MAAR
• 2024-07-01 Sold (Public Records) $148,900 Public Records
• 2024-07-01 Sold (Public Records) $148,900 Public Records
• 2024-06-28 Sold (MLS) $148,900 Greater Alabama MLS
• 2024-06-28 Sold (MLS) $148,900 MAAR
• 2024-05-17 Contingent — MAAR
• 2024-05-17 Contingent — Greater Alabama MLS
• 2024-04-08 Listed $149,900 MAAR
• 2024-03-22 Listed $149,900 Greater Alabama MLS
• 2024-03-20 Coming Soon $149,900 Greater Alabama MLS
• 2022-01-26 Sold (MLS) $19,000 Greater Alabama MLS
• 2022-01-18 Price Changed $19,000 Greater Alabama MLS
• 2021-12-18 Listed $25,000 Greater Alabama MLS

Property tax history

+11.5%/yr

Latest (2025): $949 · +179.5% YoY. Source: county tax records.