6995 Hwy 19 · Vina, AL 35593

$150,000

3 bd · 1.0 ba · 1,525 sqft · SingleFamily public records · 63 Days on market

Built 1980 0.95 ac lot $98/sqft · 40% below area Est $249k · 40% 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).

• ARV discount +15.0/15.0
• Cash flow +12.7/30.0
• Appreciation +4.1/10.0
• DSCR +3.8/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• Schools +2.2/10.0

Listing remarks

Charming country living meets modern updates in this adorable farmhouse-style home in Vina! Featuring 3 bedrooms and 1 bathroom, this move-in ready home has been recently refreshed. You'll love the high-end LVP flooring, fresh paint, and new sheetrock in the main entry and hallways, giving the home a clean, updated feel. Enjoy the added touches throughout, including new light fixtures, updated door handles, all new appliances, brand new front doors, and a newly installed wall air conditioner for year-round comfort. Whether you're searching for the perfect starter home for a small family or looking to add a solid rental property for passive income, this one checks all the boxes. Buyer to ver

Key facts

• 0.95 acre lot
• Built 1980
• Listed 62 days

Property features AI

Exterior

• Utilities: Septic tank sewer
• Home design: Single family residence; Residential property
• Exterior features: Lot roughly 0.95 acre; Lot dimensions approximately 128.26×320.98 and 149.33×330; Zoned R1

Interior

• Bedrooms: 3 bedrooms on the main level
• Bathrooms: 1 full bathroom
• Interior features: 7 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $-16 ($-187/yr) — negative.
• To cash-flow at today's rent, offer at most $147k (1.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $109k (27.3% below list).
• Recommended offer: $109k (27.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 58/100 on livability (#349 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A; Watch: employment D, schools F, crime F.
• Franklin County (rural): math 17% / reading 36% proficiency, ranked #84 of 129 in AL (top 65%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 13 active listings in the ZIP; 15 units permitted in Franklin County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.7%/yr); year-one equity from $1k of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 63 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $60k; list at $150k implies a 150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,045 (27.3% 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 63 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
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 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?
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: 0.73% ✗
• Cap rate: 6.17%
• Cash-on-cash: -0.44%
• DSCR: 0.98
• GRM: 11.5

CMA / ARV

• ARV (median comp): $249,249
• List price: $150,000
• Delta: -39.82%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

-1.74% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -10.1%
• Equity multiple: 0.59×
• Total profit: $-17,282
• Equity at exit: $30,980

10-year hold

• IRR: -2.7%
• Equity multiple: 0.78×
• Total profit: $-9,335
• Equity at exit: $28,259

Cash invested: $42,000 (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 35593

• Home prices YoY: -1.1%
• Active inventory: 13
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,090 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$28 /mo · $335/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $-16

Break-even live

Break-even rent $1,110

Max offer price $147,251

Occupancy floor 96%

Sensitivity live

Price	-10% $69	-5% $27	+0% $-16	+5% $-58	+10% $-100
Rent	-10% $-102	-5% $-59	+0% $-16	+5% $28	+10% $71
Rate	-1.0pp $60	-0.5pp $23	base $-16	+0.5pp $-54	+1.0pp $-94

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-22
   days on market $150,000 Active 63 DOM
2. 2026-06-21
   days on market $150,000 Active 62 DOM
3. 2026-06-19
   days on market $150,000 Active 60 DOM
4. 2026-06-18
   days on market $150,000 Active 59 DOM
5. 2026-06-17
   days on market $150,000 Active 58 DOM
6. 2026-06-16
   days on market $150,000 Active 57 DOM
7. 2026-06-15
   days on market $150,000 Active 56 DOM
8. 2026-06-14
   days on market $150,000 Active 54 DOM
9. 2026-06-13
   days on market $150,000 Active 53 DOM
10. 2026-06-10
    days on market $150,000 Active 51 DOM
11. 2026-06-09
    days on market $150,000 Active 50 DOM
12. 2026-06-08
    days on market $150,000 Active 49 DOM
13. 2026-06-07
    days on market $150,000 Active 48 DOM
14. 2026-06-05
    days on market $150,000 Active 45 DOM
15. 2026-06-03
    days on market $150,000 Active 44 DOM
16. 2026-06-02
    days on market $150,000 Active 43 DOM
17. 2026-06-01
    days on market $150,000 Active 42 DOM
18. 2026-05-31
    days on market $150,000 Active 41 DOM
19. 2026-05-30
    days on market $150,000 Active 40 DOM
20. 2026-04-20
    listed $150,000 Active 719-char remark
21. 2018-06-15
    soldstatus $60,000

ⓘ 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: $335 · $28/mo
• Projected year-2 tax: $615 · $51/mo
• Expected delta: +$280/yr (+$23/mo · 83.7%)

ⓘ 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 ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,085
• − Mortgage interest: −$8,402
• − Property taxes: −$335
• − Insurance: −$750
• − Repairs & maintenance: −$1,047
• − Management: −$1,047
• − Depreciation: −$4,364
• Taxable loss: −$2,859
• Est. tax savings @ 24.0%: +$686
• After-tax cash flow: $499/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: Franklin County
• NCES district ID: 0101590
• Math proficiency: 17% ▼ -21.00%
• Reading proficiency: 36% ▼ -1.00%
• Median HH income: $37,979
• Composite: 22.08/100
• National rank: #8187
• State rank: #84 of 129 in AL

Livability — Vina

• Score: 58/100
• State rank: #349
• US rank: #20739

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Vina, AL
• Population (ZIP): 1,522

Population outlook (Franklin County) Hauer SSP2

• Today (2025): 31,545 people
• By 2030: 31,335 · -0.7%
• By 2040: 30,983 · -1.8%
• By 2050: 30,744 · -2.5%
• By 2075: 30,173 · -4.3%
• By 2100: 29,478 · -6.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 2%
• Common ancestry: Slovak 2% Italian 1% Portuguese 1%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Franklin

• 2024 margin: Solid R (+73.3) · D 13.0% · R 86.2%
• 2008→2024 swing: -34.1pp toward R · 2008: -39.2pp · 2024: -73.3pp
• All cycles: 2024: R+73.3 2020: R+65.9 2016: R+60.8 2012: R+40.5 2008: R+39.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.74%
• Current HPI: 162.7623
• 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

+150.0% since first listed

2 events — show timeline

• 2026-04-20 Listed $150,000 SAARMLS
• 2018-06-15 Sold (Public Records) $60,000 Public Records

Property tax history

+62.3%/yr

Latest (2025): $335 · +3.8% YoY. Source: county tax records.