4420 Co Rd 36 · Gu-Win, AL 35594

$169,000

3 bd · 1.0 ba · 1,388 sqft · SingleFamily public records · 165 Days on market

Built 1955 3.70 ac lot $122/sqft · 55% below area

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Why this score? — see what drove the F 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 +10.3/30.0
• ARV discount +7.5/15.0
• Schools +4.0/10.0
• DSCR +3.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to 4420 County Road 36 in Winfield, Alabama where rustic charm and room to roam come together on 3.7 beautiful acres. This 3-bedroom, 1-bath home is rich with character, featuring stunning wood ceilings, warm wood walls, and hardwood floors that give it that timeless, cabin-style feel everyone loves. The living area centers around a cozy fireplace, perfect for cool Alabama nights and lazy Sundays. The home offers a dedicated laundry room, a basement for extra storage or flex space, and thoughtful details throughout that make it feel solid and inviting. Outside, you'll find an additional building on the property ideal for a workshop, storage, or hobby space, plus a storm cellar for peace of mind. This is the kind of property that feels like home the second you walk in-private, peaceful, and packed with potential. If you're looking for space, character, and land in Winfield, this is it!

Key facts

• Wood ceilings
• Cozy fireplace
• Basement for storage

Tags

• WOOD CEILINGS
• WOOD WALLS
• HARDWOOD FLOORS
• COZY FIREPLACE
• DEDICATED LAUNDRY ROOM
• BASEMENT FOR STORAGE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $169k.

Deal economics

• At list price, monthly cash flow is $-93 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $153k (9.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $115k (32.1% below list).
• Recommended offer: $115k (32.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• Winfield City (rural): math 36% / reading 59% proficiency, ranked #15 of 129 in AL (top 12%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Winfield Elementary School (math 42% / reading 72%, grade C+, #76 of 627 statewide, top 13%, 525 students, 54% FRL); Winfield Middle School (math 32% / reading 54%, grade D-, #48 of 257 statewide, top 19%, 381 students, 59% FRL); Winfield High School (math 42% / reading 57%, grade D, #16 of 305 statewide, top 5%, 349 students, 55% FRL) — zoned schools average 56% FRL vs 39% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 52 active listings in the ZIP.

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.
• Fayette County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 165 days — a 12% lower offer ($149k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $66k; list at $169k implies a 156% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% 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 $114,816 (32.1% 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 165 days. Have you received any prior offers? Is the seller open to a 32% concession, seller financing, or rate buy-down credit?
3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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: 0.68% ✗
• Cap rate: 5.64%
• Cash-on-cash: -2.35%
• DSCR: 0.90
• GRM: 12.3

CMA / ARV

• ARV (median comp): $442,092
• List price: $169,000
• Delta: -61.77%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -20.3%
• Equity multiple: 0.29×
• Total profit: $-33,367
• Equity at exit: $25,198

10-year hold

• IRR: -13.5%
• Equity multiple: 0.22×
• Total profit: $-36,996
• Equity at exit: $14,612

Cash invested: $47,320 (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 35594

• Home prices YoY: -12.8%
• Active inventory: 52
• Price-to-rent: 12.3×

Monthly cashflow live

• Estimated rent: $1,148 medium
• Mortgage (P&I): −$886
• Tax from tax record: −$43 /mo · $515/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $-93

Break-even live

Break-even rent $1,265

Max offer price $152,649

Occupancy floor —

Sensitivity live

Price	-10% $3	-5% $-45	+0% $-93	+5% $-140	+10% $-188
Rent	-10% $-183	-5% $-138	+0% $-93	+5% $-47	+10% $-2
Rate	-1.0pp $-7	-0.5pp $-50	base $-93	+0.5pp $-136	+1.0pp $-181

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-22
   days on market $169,000 Active 165 DOM
2. 2026-06-21
   days on market $169,000 Active 164 DOM
3. 2026-06-19
   days on market $169,000 Active 162 DOM
4. 2026-06-18
   days on market $169,000 Active 161 DOM
5. 2026-06-17
   days on market $169,000 Active 160 DOM
6. 2026-06-16
   days on market $169,000 Active 159 DOM
7. 2026-06-15
   days on market $169,000 Active 158 DOM
8. 2026-06-14
   days on market $169,000 Active 156 DOM
9. 2026-06-12
   days on market $169,000 Active 155 DOM
10. 2026-06-09
    days on market $169,000 Active 152 DOM
11. 2026-06-08
    days on market $169,000 Active 151 DOM
12. 2026-06-07
    days on market $169,000 Active 150 DOM
13. 2026-06-07
    days on market $169,000 Active 149 DOM
14. 2026-06-04
    days on market $169,000 Active 146 DOM
15. 2026-06-02
    days on market $169,000 Active 145 DOM
16. 2026-06-01
    days on market $169,000 Active 144 DOM
17. 2026-05-31
    days on market $169,000 Active 143 DOM
18. 2026-05-31
    days on market $169,000 Active 142 DOM
19. 2026-01-08
    listed $169,000 Active 910-char remark

    Show marketing remark (910 chars)

    Welcome home to 4420 County Road 36 in Winfield, Alabama where rustic charm and room to roam come together on 3.7 beautiful acres. This 3-bedroom, 1-bath home is rich with character, featuring stunning wood ceilings, warm wood walls, and hardwood floors that give it that timeless, cabin-style feel everyone loves. The living area centers around a cozy fireplace, perfect for cool Alabama nights and lazy Sundays. The home offers a dedicated laundry room, a basement for extra storage or flex space, and thoughtful details throughout that make it feel solid and inviting. Outside, you'll find an additional building on the property ideal for a workshop, storage, or hobby space, plus a storm cellar for peace of mind. This is the kind of property that feels like home the second you walk in-private, peaceful, and packed with potential. If you're looking for space, character, and land in Winfield, this is it!

20. 2023-06-09
    soldstatus $65,900
21. 2022-11-04
    soldstatus $61,600

ⓘ 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: $515 · $43/mo
• Projected year-2 tax: $693 · $58/mo
• Expected delta: +$178/yr (+$15/mo · 34.5%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,778
• − Mortgage interest: −$9,467
• − Property taxes: −$515
• − Insurance: −$845
• − Repairs & maintenance: −$1,102
• − Management: −$1,102
• − Depreciation: −$4,916
• Taxable loss: −$4,170
• Est. tax savings @ 24.0%: +$1,001
• After-tax cash flow: $-110/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: Winfield City
• NCES district ID: 0103540
• Math proficiency: 36% ▼ -22.00%
• Reading proficiency: 59% ▲ 6.00%
• Median HH income: $39,006
• Composite: 39.57/100
• National rank: #3930
• State rank: #15 of 129 in AL

Livability — Gu-Win

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 7,441

Population outlook (Fayette County) Hauer SSP2

• Today (2025): 15,631 people
• By 2030: 14,975 · -4.2%
• By 2040: 13,604 · -13.0%
• By 2050: 12,302 · -21.3%
• By 2075: 9,599 · -38.6%
• By 2100: 7,282 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Black 3% Asian 1%
• Common ancestry: Slovak 6% Lithuanian 5% Serbian 1%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Fayette

• 2024 margin: Solid R (+72.0) · D 13.7% · R 85.7%
• 2008→2024 swing: -23.1pp toward R · 2008: -48.9pp · 2024: -72.0pp
• All cycles: 2024: R+72.0 2020: R+67.4 2016: R+65.2 2012: R+53.5 2008: R+48.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.46%
• Current HPI: 159.533
• 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

+174.4% since first listed

3 events — show timeline

• 2026-01-08 Listed $169,000 Walker County Area MLS
• 2023-06-09 Sold (Public Records) $65,900 Public Records
• 2022-11-04 Sold (Public Records) $61,600 Public Records

Property tax history

+5.0%/yr

Latest (2025): $515 · +0.0% YoY. Source: county tax records.