1632 Windsor Hill Ln · Montgomery, AL 36106

$337,500

5 bd · 3.0 ba · 2,820 sqft · SingleFamily public records · 82 Days on market

Built 2022 10,454 sqft lot $120/sqft · 12% below area Est $384k · 12% under $58/mo HOA · 2% of rent

---

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).

• ARV discount +13.0/15.0
• Cash flow +10.8/30.0
• Rent growth +4.1/5.0
• Livability +3.2/5.0
• DSCR +3.1/10.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS ONE HAS ONE OF THE CUTEST MODERN OPEN FLOOR PLANS! LOCATED IN GATED COMMUNITY! THE HOME HAS SO MANY FEATURES!! 5 BEDROOMS! 3 FULL BATHS!! This property may qualify for Seller Financing (Vendee). 3) If Property was built prior to 1978, Lead Based Paint Potentially Exists. . PROPERTY BEING SOLD AS IS!!! NO WARRANTIES OR CONTIGENCIES. BUYER TO VERIFY SCHOOL ZONES IF NEEDED, CONDITION AND TYPE OF SYSTEMS UNKNOWN. RIGHT OF REDEMPTION MAY APPLY.

Key facts

• Gated community
• 0.24 acre lot
• 2 garage spots

Tags

• MODERN OPEN FLOOR PLANS
• GATED COMMUNITY

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $338k.

Deal economics

• At list price, monthly cash flow is $-155 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $310k (8.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $248k (26.4% below list).
• Recommended offer: $248k (26.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities D-.
• Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Vaughn Road Elementary School (math 3% / reading 25%, grade F, #530 of 627 statewide, top 84%, 494 students, 78% FRL); Goodwyn Middle School (math 0% / reading 16%, grade F, #239 of 257 statewide, top 93%, 808 students, 84% FRL); Jefferson Davis High School (math 3% / reading 16%, grade F, #258 of 305 statewide, top 85%, 1,522 students, 83% FRL).
• Market conditions: Rents rising fast (+6.3%/yr); 138 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).
• This rent runs 43% of the median local income ($69k/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 $10k of value loss. Plan a longer hold.
• Montgomery County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 82 days — a 6% lower offer ($317k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y ago; this cycle's ask has dropped $34k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $248,400 (26.4% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 82 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.74% ✗
• Cap rate: 5.74%
• Cash-on-cash: -1.96%
• DSCR: 0.91
• GRM: 11.3

CMA / ARV

• ARV (median comp): $384,121
• List price: $337,500
• Delta: -12.14%
• 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
1815 Vaughn Ln	0.30mi	5/4.0	2,940 (+4%)	2mo	$279,000	$95	73
1725 Fairforest Dr	0.22mi	5/3.0	2,576 (-9%)	2mo	$178,500	$69	73
2008 Vaughn Ct	0.44mi	4/2.5 (-1)	2,821 (0%)	4mo	$145,000	$51	69
3684 Wiley Rd	0.39mi	4/2.5 (-1)	2,720 (-4%)	3mo	$321,000	$118	67
3520 Melton Rd	0.31mi	4/2.5 (-1)	3,000 (+6%)	5mo	$187,000	$62	64
3049 Fieldcrest Dr	0.58mi	5/2.5	2,796 (-1%)	7mo	$348,000	$124	63
3719 Windsor Hill Blvd	0.08mi	4/2.5 (-1)	2,402 (-15%)	2mo	$370,000	$154	62
1846 Wentworth Dr	0.71mi	4/3.0 (-1)	2,688 (-5%)	0mo	$280,000	$104	54
2576 Aimee Dr	0.70mi	4/2.5 (-1)	2,723 (-3%)	2mo	$300,000	$110	53
2558 Aimee Dr	0.73mi	4/2.5 (-1)	2,962 (+5%)	5mo	$335,000	$113	46
1737 Wentworth Dr	0.62mi	4/2.5 (-1)	2,492 (-12%)	5mo	$230,000	$92	40
3137 Whitney Dr	0.72mi	4/2.5 (-1)	2,509 (-11%)	7mo	$280,000	$112	35

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 · 6.29% rent growth · sell at horizon

5-year hold

• IRR: -16.3%
• Equity multiple: 0.41×
• Total profit: $-56,144
• Equity at exit: $50,322

10-year hold

• IRR: -3.5%
• Equity multiple: 0.74×
• Total profit: $-24,668
• Equity at exit: $29,181

Cash invested: $94,500 (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 36106

• Home prices YoY: -13.1%
• Rents YoY: 6.3%
• Active inventory: 138
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $2,484 high
• Mortgage (P&I): −$1,770
• Tax from tax record: −$149 /mo · $1,783/yr
• Insurance: −$141
• HOA: −$58
• Vacancy / Maint / Mgmt: −$522
• Net cashflow: $-155

Break-even live

Break-even rent $2,680

Max offer price $310,171

Occupancy floor —

Sensitivity live

Price	-10% $36	-5% $-59	+0% $-155	+5% $-250	+10% $-346
Rent	-10% $-351	-5% $-253	+0% $-155	+5% $-57	+10% $42
Rate	-1.0pp $15	-0.5pp $-69	base $-155	+0.5pp $-242	+1.0pp $-331

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: $84,375
• Closing costs: $10,125
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1936 Vaughn Ln Montgomery, AL	5.0	4.0	3516	$2,900	$0.82	45d	1	0.38mi
4318 White Acres Rd Unit 1043851P Montgomery, AL	5.0	3.0	2292	$5,876	$2.56	15d	1	0.81mi
950 Karen Rd Montgomery, AL	5.0	2.0	2400	$1,650	$0.69	15d	1	1.02mi
4285 Shamrock Ln Unit 1043850P Montgomery, AL	5.0	2.0	1991	$3,909	$1.96	23d	1	1.02mi
2929 Canterbury Ct Unit 1043474P Montgomery, AL	4.0	2.5	2464	$2,667	$1.08	23d	1	1.08mi
560 Farmington Rd Montgomery, AL	4.0	2.0	2161	$1,695	$0.78	15d	1	1.20mi

HOA detail

• Monthly dues: $58 · $696/yr
• Likely covers: security

Listing history 28 events

1. 2026-06-21
   days on market $337,500 Active 82 DOM
2. 2026-06-18
   days on market $337,500 Active 79 DOM
3. 2026-06-17
   days on market $337,500 Active 78 DOM
4. 2026-06-16
   days on market $337,500 Active 77 DOM
5. 2026-06-15
   days on market $337,500 Active 76 DOM
6. 2026-06-14
   days on market $337,500 Active 74 DOM
7. 2026-06-13
   days on market $337,500 Active 73 DOM
8. 2026-06-10
   days on market $337,500 Active 71 DOM
9. 2026-06-09
   days on market $337,500 Active 70 DOM
10. 2026-06-08
    days on market $337,500 Active 69 DOM
11. 2026-06-07
    days on market $337,500 Active 68 DOM
12. 2026-06-03
    days on market $337,500 Active 64 DOM
13. 2026-06-03
    price $337,500 Active 63 DOM
14. 2026-06-02
    days on market $355,000 Active 63 DOM
15. 2026-06-01
    days on market $355,000 Active 62 DOM
16. 2026-05-31
    days on market $355,000 Active 61 DOM
17. 2026-05-30
    days on market $355,000 Active 60 DOM
18. 2026-05-05
    price $355,000 448-char remark

    Show marketing remark (448 chars)

    THIS ONE HAS ONE OF THE CUTEST MODERN OPEN FLOOR PLANS! LOCATED IN GATED COMMUNITY! THE HOME HAS SO MANY FEATURES!! 5 BEDROOMS! 3 FULL BATHS!! This property may qualify for Seller Financing (Vendee). 3) If Property was built prior to 1978, Lead Based Paint Potentially Exists. . PROPERTY BEING SOLD AS IS!!! NO WARRANTIES OR CONTIGENCIES. BUYER TO VERIFY SCHOOL ZONES IF NEEDED, CONDITION AND TYPE OF SYSTEMS UNKNOWN. RIGHT OF REDEMPTION MAY APPLY.

19. 2026-03-31
    listed $372,000 Active 448-char remark

    Show marketing remark (448 chars)

    THIS ONE HAS ONE OF THE CUTEST MODERN OPEN FLOOR PLANS! LOCATED IN GATED COMMUNITY! THE HOME HAS SO MANY FEATURES!! 5 BEDROOMS! 3 FULL BATHS!! This property may qualify for Seller Financing (Vendee). 3) If Property was built prior to 1978, Lead Based Paint Potentially Exists. . PROPERTY BEING SOLD AS IS!!! NO WARRANTIES OR CONTIGENCIES. BUYER TO VERIFY SCHOOL ZONES IF NEEDED, CONDITION AND TYPE OF SYSTEMS UNKNOWN. RIGHT OF REDEMPTION MAY APPLY.

20. 2023-06-30
    soldstatus $419,900 Closed 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

21. 2023-06-08
    status Pending 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

22. 2023-06-02
    price $419,900 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

23. 2023-04-29
    price $418,400 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

24. 2023-04-21
    price $416,400 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

25. 2023-04-05
    price $414,900 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

26. 2023-01-11
    price $417,900 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

27. 2022-09-04
    listed $436,900 Active 1583-char remark

    Show marketing remark (1583 chars)

    Montgomery's newest GATED neighborhood. Windsor Hill in Montgomery is designed with you in mind. Modern living with a focus on luxury and lifestyle, we've incorporated unique features that work for every stage of life. Whether it's a family BBQ in the backyard, spending time with your neighbors, or enjoying a quiet evening watching the sun set from your front porch or back patio, home will quickly become your favorite place to be. You’ll appreciate the convenience of being just minutes from downtown Montgomery, grocery stores, restaurants, and shopping. Come see all that Windsor Hill has to offer! The Lincoln is a beautiful 2 story 4 sides brick home with 4 bed/3 bath, open concept home with tons of charm! Crown molding in the main living areas, bonus/flex room that could be an office or formal dining room, electric fireplace in the family room, Luxury Vinyl Plank flooring in the main living areas and hardwood treads on the stairs. Your kitchen has GRANITE countertops, a large center island, stainless appliances and a walk in pantry. One of the four bedrooms and one full bathroom are located on the main level as well. Upstairs are your other three bedrooms, a 2nd living area and your laundry room. Bedroom 1 has trey ceilings with a MASSIVE walk in closet, double sink vanity with marble counter top, garden tub, separate shower and water closet. You also get our SMART HOME TECHNOLOGY PACKAGE and BUILDERS WARRANTY! So many cool features about this home, you don’t want to miss out! Call or come by today! Come see all that Windsor Hill has to offer!

28. 2022-01-03
    soldstatus $2,243,860

ⓘ 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: $1,783 · $149/mo
• Projected year-2 tax: $1,783 · $149/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 7/10 Severe 6 d/yr ≥108°F today · 17 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,808
• − Mortgage interest: −$18,905
• − Property taxes: −$1,783
• − Insurance: −$1,688
• − Repairs & maintenance: −$2,385
• − Management: −$2,385
• − HOA: −$696
• − Depreciation: −$9,818
• Taxable loss: −$7,851
• Est. tax savings @ 24.0%: +$1,884
• After-tax cash flow: $28/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: Montgomery County
• NCES district ID: 0102430
• Math proficiency: 9% ▼ -21.00%
• Reading proficiency: 31% ▼ -1.00%
• Median HH income: $43,902
• Composite: 17.24/100
• National rank: #9093
• State rank: #106 of 129 in AL

Livability — Montgomery

• Score: 65/100
• State rank: #138
• US rank: #13416

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Montgomery, AL
• County: Montgomery County · 190,016 people
• City population: 175,913
• Metro: Montgomery, AL
• Population (ZIP): 14,065
• Household income: $69,087
• Rent vs Own: 43.8% rent · 56.2% own
• Severe rent burden: 876.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 224,008 people
• By 2030: 221,460 · -1.1%
• By 2040: 214,179 · -4.4%
• By 2050: 204,912 · -8.5%
• By 2075: 177,821 · -20.6%
• By 2100: 145,134 · -35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 47% Black 43% Hispanic / Latino 5% Two or more races 4% Asian 1%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Serbian 2% Slovak 2% Italian 1%
• Foreign-born: 4% · Canada, China, South Korea
• Languages at home: 94% English-only · Spanish 3%

Political lean MEDSL · Montgomery

• 2024 margin: Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
• 2008→2024 swing: +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
• All cycles: 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -22.82%
• Current HPI: 151.1822
• Rent YoY: ▲ 6.29%
• Metro: Montgomery, 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

-84.2% since first listed

11 events — show timeline

• 2026-05-05 Price Changed $355,000 MAAR
• 2026-03-31 Listed $372,000 MAAR
• 2023-06-30 Sold (MLS) $419,900 MAAR
• 2023-06-08 Pending — MAAR
• 2023-06-02 Price Changed $419,900 MAAR
• 2023-04-29 Price Changed $418,400 MAAR
• 2023-04-21 Price Changed $416,400 MAAR
• 2023-04-05 Price Changed $414,900 MAAR
• 2023-01-11 Price Changed $417,900 MAAR
• 2022-09-04 Listed $436,900 MAAR
• 2022-01-03 Sold (Public Records) $2,243,860 Public Records

Property tax history

+10.7%/yr

Latest (2025): $1,783 · -4.8% YoY. Source: county tax records.