4051 Lambert Bridge Rd · Atmore, AL 32568

$178,500

4 bd · 4.0 ba · 1,890 sqft · Manufactured public records · 9 Days on market

Built 1997 6.65 ac lot

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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 +18.5/30.0
• Appreciation +8.1/10.0
• ARV discount +7.5/15.0
• DSCR +5.8/10.0
• 1% rule +4.4/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Absolutely immaculate double wide manufactured home that is extremely well built and in excellent condition and as an added bonus, situated on 7 big ACRES!!. The rear entrance has a large covered porch for watching sunrises and drinking that morning coffee! The interior has beautiful ceramic tile flooring in the laundry room, baths, kitchen, dining, front entry foyer, and main living area. The bedrooms have nice carpeting. The kitchen has a wall oven, and a standard free standing oven/range as well, along with a dishwasher, refrigerator, big pantry, and an island. The floorplan is open with tall, vaulted ceilings, and a split bedroom layout. The master bedroom suite has a large master bath, along with a private study that can be used as a nursery or exercise room as well. This home has so much to offer and is only minutes from town. The acreage is gorgeous and includes a large stocked fishpond!! Make your appointment to see this one today!!

Key facts

• Pond
• 6.6 acres
• Workshops

Tags

• 6.6 ACRES
• POND
• MAJOR UPDATES
• ROOM FOR GARDENING
• RECREATIONAL VEHICLES
• WORKSHOPS

Property features AI

Finance

• Other: Approximately 6.65 acres lot; Road maintenance not provided
• HOA & community: No homeowner association

Exterior

• Parking: Driveway with open parking
• Utilities: Public water; Public sewer; Electric with circuit breakers
• Home design: Modular single-story home; One level
• Construction: Slab foundation
• Exterior features: Composition roof; Paved road access; No horses allowed

Interior

• Kitchen: Electric water heater
• Bedrooms: Master bedroom on the first floor (approx. 10 x 10); Additional bedrooms on the first floor (each approx. 10 x 10)
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Vinyl flooring

What this means for you Summary

Snapshot

• This is a 4-bed/4.0-bath manufactured listed at $178k.

Deal economics

• At list price, monthly cash flow is $170 ($2k/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 $167k (6.4% below list).
• Recommended offer: $167k (6.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 50/100 on livability (#530 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+; Watch: crime F, amenities F, commute F.
• Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Bratt Elementary School (math 65% / reading 55%, grade B-, #680 of 2,144 statewide, top 32%, 496 students, 54% FRL); Ernest Ward Middle School (math 48% / reading 49%, grade C-, #274 of 571 statewide, top 50%, 486 students, 49% FRL); Northview High School (math 22% / reading 42%, grade F, #415 of 667 statewide, top 63%, 532 students, 41% FRL).
• Market conditions: 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($1k loan paydown + $11k appreciation (6.2% local appreciation)).
• Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (6.2% appreciation + 3.0% rent growth), your $50k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 22y 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.
• Current owner paid $110k; list at $178k implies a 62% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,060 (6.4% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 0.94% ✗
• Cap rate: 7.44%
• Cash-on-cash: 4.09%
• DSCR: 1.18
• GRM: 8.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

6.23% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.2%
• Equity multiple: 2.30×
• Total profit: $64,811
• Equity at exit: $114,825

10-year hold

• IRR: 18.5%
• Equity multiple: 4.63×
• Total profit: $181,474
• Equity at exit: $210,523

Cash invested: $49,980 (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 32568

• Home prices YoY: 2.5%
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,671 medium
• Mortgage (P&I): −$936
• Tax from tax record: −$139 /mo · $1,669/yr
• Insurance: −$74
• HOA: −$0
• Vacancy / Maint / Mgmt: −$351
• Net cashflow: $170

Break-even live

Break-even rent $1,455

Max offer price $178,500

Occupancy floor 85%

Sensitivity live

Price	-10% $271	-5% $221	+0% $170	+5% $120	+10% $69
Rent	-10% $38	-5% $104	+0% $170	+5% $236	+10% $302
Rate	-1.0pp $260	-0.5pp $216	base $170	+0.5pp $124	+1.0pp $77

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: $44,625
• Closing costs: $5,355
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-05-19
   listed $178,500 Active
2. 2012-01-04
   soldstatus $110,000
3. 2011-12-30
   soldstatus $110,000 955-char remark

   Show marketing remark (955 chars)

   Absolutely immaculate double wide manufactured home that is extremely well built and in excellent condition and as an added bonus, situated on 7 big ACRES!!. The rear entrance has a large covered porch for watching sunrises and drinking that morning coffee! The interior has beautiful ceramic tile flooring in the laundry room, baths, kitchen, dining, front entry foyer, and main living area. The bedrooms have nice carpeting. The kitchen has a wall oven, and a standard free standing oven/range as well, along with a dishwasher, refrigerator, big pantry, and an island. The floorplan is open with tall, vaulted ceilings, and a split bedroom layout. The master bedroom suite has a large master bath, along with a private study that can be used as a nursery or exercise room as well. This home has so much to offer and is only minutes from town. The acreage is gorgeous and includes a large stocked fishpond!! Make your appointment to see this one today!!

4. 2011-05-16
   listed $110,000 955-char remark

   Show marketing remark (955 chars)

   Absolutely immaculate double wide manufactured home that is extremely well built and in excellent condition and as an added bonus, situated on 7 big ACRES!!. The rear entrance has a large covered porch for watching sunrises and drinking that morning coffee! The interior has beautiful ceramic tile flooring in the laundry room, baths, kitchen, dining, front entry foyer, and main living area. The bedrooms have nice carpeting. The kitchen has a wall oven, and a standard free standing oven/range as well, along with a dishwasher, refrigerator, big pantry, and an island. The floorplan is open with tall, vaulted ceilings, and a split bedroom layout. The master bedroom suite has a large master bath, along with a private study that can be used as a nursery or exercise room as well. This home has so much to offer and is only minutes from town. The acreage is gorgeous and includes a large stocked fishpond!! Make your appointment to see this one today!!

5. 2004-09-08
   soldstatus $83,000
6. 2004-09-08
   soldstatus $83,000
7. 2004-09-02
   soldstatus $83,000 143-char remark

   Show marketing remark (143 chars)

   Great property. Nice acreage with large stocked pond. Custom built manufactured home in excellent condition. Well insulated ready to move into.

8. 2004-07-07
   listed $84,900 143-char remark

   Show marketing remark (143 chars)

   Great property. Nice acreage with large stocked pond. Custom built manufactured home in excellent condition. Well insulated ready to move into.

ⓘ 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: $1,669 · $139/mo
• Projected year-2 tax: $1,669 · $139/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 8/10 Severe 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% 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: $20,047
• − Mortgage interest: −$9,999
• − Property taxes: −$1,669
• − Insurance: −$892
• − Repairs & maintenance: −$1,604
• − Management: −$1,604
• − Depreciation: −$5,193
• Taxable loss: −$913
• Est. tax savings @ 24.0%: +$219
• After-tax cash flow: $2,262/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: Escambia
• NCES district ID: 1200510
• Math proficiency: 40% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $44,649
• Composite: 36.04/100
• National rank: #4773
• State rank: #56 of 73 in FL

Livability — Atmore

• Score: 50/100
• State rank: #530
• US rank: #25632

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 1,121
• Population (ZIP): 3,724

Population outlook (Escambia County) Hauer SSP2

• Today (2025): 334,637 people
• By 2030: 345,779 · +3.3%
• By 2040: 364,828 · +9.0%
• By 2050: 378,514 · +13.1%
• By 2075: 403,220 · +20.5%
• By 2100: 386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Two or more races 7% Black 6% Pacific Islander 3%
• Common ancestry: Slovak 4% Italian 4% Iranian 4%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Escambia

• 2024 margin: R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
• 2008→2024 swing: -0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
• All cycles: 2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.23%
• Current HPI: 258.2855
• 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

+110.2% since first listed

9 events — show timeline

• 2026-05-28 Pending — PARMLS
• 2026-05-19 Listed $178,500 PARMLS
• 2012-01-04 Sold (Public Records) $110,000 Public Records
• 2011-12-30 Sold (MLS) $110,000 PARMLS
• 2011-05-16 Listed $110,000 PARMLS
• 2004-09-08 Sold (Public Records) $83,000 Public Records
• 2004-09-08 Sold (Public Records) $83,000 Public Records
• 2004-09-02 Sold (MLS) $83,000 PARMLS
• 2004-07-07 Listed $84,900 PARMLS

Property tax history

+13.5%/yr

Latest (2025): $1,669 · +13.7% YoY. Source: county tax records.