417 S Plymouth Rd · Huntsville, AL 35811

$99,900

3 bd · 1.0 ba · 888 sqft · SingleFamily public records · 22 Days on market

Built 1955 7,840 sqft lot Est $129k · 22% under

---

Why this score? — see what drove the B+ 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 +29.8/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.6/10.0
• Rent growth +4.2/5.0
• Livability +4.1/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +1.4/10.0

Listing remarks MLS

NEW HVAC!!! INVESTMENT PROPERTY w/tenant. Sold AS IS. Could be purchased individually or as a package with 3 other properties offered at 340k for all 4. 806 Crestline, 4813 Joy, 610 9th

Key facts

• Roof 2022
• Vinyl siding
• Hvac 2020

Tags

• UPDATED VINYL WINDOWS
• VINYL SIDING
• ROOF 2022
• HVAC 2020

Property features AI

Finance

• HOA & community: No homeowners association; Subdivision: Colonial Hill

Exterior

• Parking: Concrete driveway
• Utilities: Public sewer
• Home design: Single-family residence; One story; Built in 1955; Residential property
• Construction: Vinyl siding exterior; No fireplaces
• Exterior features: Deck; Front porch; Public water

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central cooling
• Interior features: Crawl space basement; One-level layout

🏷️ Possibly a rental listed for sale. The $99,900 price doesn't fit this home's estimated sale value (~$128,760) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $368 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.7% vs local median 3.8% in Huntsville — 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 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Huntsville City (urban): math 21% / reading 46% proficiency, ranked #48 of 129 in AL (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Martin Luther King Jr Elementary School (math 4% / reading 18%, grade F, #560 of 627 statewide, top 90%, 464 students, 89% FRL); Chapman Middle School (math 2% / reading 23%, grade F, #216 of 257 statewide, top 86%, 368 students, 88% FRL); Lee High School (math 2% / reading 17%, grade F, #252 of 305 statewide, top 84%, 840 students, 77% FRL) — zoned schools average 85% FRL vs 46% district-wide (38 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 11% at this address vs 34% district-wide (-22 pts) — the specific schools serving this property underperform the Huntsville City average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+6.8%/yr); 560 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 61% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 6.8% rent growth), your $28k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y 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 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $98,401 (1.5% below list)

Questions for the listing agent

1. Built in 1955 — 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. 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: 1.26% ✓
• Cap rate: 10.71%
• Cash-on-cash: 15.79%
• DSCR: 1.70
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $128,760
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
414 S Plymouth Rd NW	0.03mi	3/1.0	900 (+1%)	22mo	$110,000	$122	78
207 Richmond Dr	0.13mi	2/1.0 (-1)	835 (-6%)	8mo	$123,000	$147	72
300 N Plymouth Rd	0.14mi	2/1.0 (-1)	800 (-10%)	11mo	$143,400	$179	63
197 Baxter Ave NW	0.19mi	3/1.0	991 (+12%)	11mo	$144,000	$145	62
409 Max Luther Dr	0.69mi	2/1.0 (-1)	1,000 (+13%)	12mo	$60,000	$60	32
2616 Huntsville St	0.71mi	2/1.0 (-1)	1,000 (+13%)	12mo	$60,000	$60	31

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 · 6.81% rent growth · sell at horizon

5-year hold

• IRR: 10.6%
• Equity multiple: 1.44×
• Total profit: $12,257
• Equity at exit: $14,895

10-year hold

• IRR: 22.5%
• Equity multiple: 3.26×
• Total profit: $63,091
• Equity at exit: $8,638

Cash invested: $27,972 (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 35811

• Home prices YoY: -2.1%
• Rents YoY: 6.8%
• Active inventory: 560
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,263 high
• Mortgage (P&I): −$524
• Tax from tax record: −$64 /mo · $771/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$265
• Net cashflow: $368

Break-even live

Break-even rent $797

Max offer price $99,900

Occupancy floor 66%

Sensitivity live

Price	-10% $425	-5% $396	+0% $368	+5% $340	+10% $311
Rent	-10% $268	-5% $318	+0% $368	+5% $418	+10% $468
Rate	-1.0pp $418	-0.5pp $393	base $368	+0.5pp $342	+1.0pp $316

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
203 N Plymouth Rd NW Huntsville, AL	2.0	1.0	796	$1,310	$1.65	14d	1	0.17mi
3328 Meridian St N Apt 114 Huntsville, AL	2.0	1.0	800	$600	$0.75	14d	1	0.37mi
3330 Meridian St N Huntsville, AL	2.0	1.0	800	$700	$0.88	14d	1	0.39mi
2809 Academy Dr NW Huntsville, AL	2.0	1.5	900	$950	$1.06	44d	1	0.40mi
621 Murray Rd NW Huntsville, AL	3.0	1.5	1008	$1,325	$1.31	14d	1	0.44mi
522 Lisa Ln NW Huntsville, AL	4.0	3.0	1025	$1,695	$1.65	44d	1	0.45mi
2601 Academy Dr NW Huntsville, AL	2.0–4.0	1.0–2.0	971	$1,262	$1.30	44d	1	0.56mi
3707 Lakewood Dr NW Huntsville, AL	3.0	1.0	1100	$1,100	$1.00	44d	1	0.65mi
304 Wind Ave NW Huntsville, AL	2.0	1.0	960	$1,095	$1.14	44d	1	0.74mi
2219 Jonathan Dr NW Apt C Huntsville, AL	2.0	1.5	850	$850	$1.00	44d	1	0.82mi
3410 Elizabeth St NW Apt 7 Huntsville, AL	2.0	1.0	800	$799	$1.00	44d	1	0.90mi
3410 Elizabeth St NW Unit 5 Huntsville, AL	2.0	1.0	675	$799	$1.18	24d	1	0.90mi
3410 Elizabeth St NW Unit 2 Huntsville, AL	2.0	1.0	800	$850	$1.06	44d	1	0.90mi
2401 Mount Vernon Rd NW Huntsville, AL	3.0	1.0	950	$1,045	$1.10	44d	1	0.92mi
4005 Memorial Pkwy NW Huntsville, AL	3.0	1.0	1100	$1,375	$1.25	44d	1	0.95mi
2115 Lee High Dr NE Huntsville, AL	3.0	1.0	870	$1,245	$1.43	14d	1	0.96mi
2107 Epworth Dr NE Unit H Huntsville, AL	2.0	1.5	875	$1,175	$1.34	14d	1	1.10mi
2519 Birchfield St NW Huntsville, AL	3.0	1.5	1125	$1,195	$1.06	44d	1	1.20mi
1114 Oakwood Ave NE Unit A Huntsville, AL	2.0	1.0	1000	$995	$0.99	14d	1	1.23mi
2640 Blue Spring Rd NW Huntsville, AL	1.0–3.0	1.0–2.0	944	$1,149	$1.22	44d	3	1.24mi
415 Halsey Ave NE Huntsville, AL	2.0	1.0–2.0	818	$1,760	$2.15	14d	20	1.25mi
1107 England St NE Unit A Huntsville, AL	2.0	1.0	956	$1,200	$1.26	44d	1	1.30mi
1504 Oakwood Ave NE Apt 4 Huntsville, AL	2.0	1.0	800	$995	$1.24	44d	1	1.32mi
1529 McKinley Ave NE Huntsville, AL	2.0	1.0	884	$1,400	$1.58	44d	1	1.37mi
2117 Griffith Dr NW Huntsville, AL	3.0	1.0	1000	$1,095	$1.09	24d	1	1.42mi
4114 Blue Spring Rd NW Huntsville, AL	3.0	2.0	1100	$1,500	$1.36	24d	1	1.47mi
1503 Rison Ave NE Huntsville, AL	2.0	1.0	1070	$1,395	$1.30	44d	1	1.48mi
4130 High Mountain Rd NE Huntsville, AL	1.0–3.0	1.0–2.0	1119	$2,061	$1.84	44d	129	1.49mi

Listing history 16 events

1. 2026-06-14
   statusdays on market $99,900 Pending 22 DOM
2. 2026-06-10
   days on market $99,900 Active 21 DOM
3. 2026-06-09
   days on market $99,900 Active 20 DOM
4. 2026-06-08
   days on market $99,900 Active 19 DOM
5. 2026-06-07
   days on market $99,900 Active 18 DOM
6. 2026-06-03
   days on market $99,900 Active 14 DOM
7. 2026-06-02
   days on market $99,900 Active 13 DOM
8. 2026-06-01
   days on market $99,900 Active 12 DOM
9. 2026-05-31
   days on market $99,900 Active 11 DOM
10. 2026-05-30
    days on market $99,900 Active 10 DOM
11. 2026-05-18
    listed $99,900 Active
12. 2022-02-02
    soldstatus $360,000
13. 2022-01-26
    soldstatus $85,000 Sold 185-char remark

    Show marketing remark (185 chars)

    NEW HVAC!!! INVESTMENT PROPERTY w/tenant. Sold AS IS. Could be purchased individually or as a package with 3 other properties offered at 340k for all 4. 806 Crestline, 4813 Joy, 610 9th

14. 2022-01-10
    status Pending 185-char remark

    Show marketing remark (185 chars)

    NEW HVAC!!! INVESTMENT PROPERTY w/tenant. Sold AS IS. Could be purchased individually or as a package with 3 other properties offered at 340k for all 4. 806 Crestline, 4813 Joy, 610 9th

15. 2022-01-08
    listed $85,000 Active 185-char remark

    Show marketing remark (185 chars)

    NEW HVAC!!! INVESTMENT PROPERTY w/tenant. Sold AS IS. Could be purchased individually or as a package with 3 other properties offered at 340k for all 4. 806 Crestline, 4813 Joy, 610 9th

16. 2006-10-11
    soldstatus $56,400

ⓘ 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: $771 · $64/mo
• Projected year-2 tax: $771 · $64/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 1/10 Low
• 🌡 Heat 5/10 Major 6 d/yr ≥104°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,156
• − Mortgage interest: −$5,596
• − Property taxes: −$771
• − Insurance: −$500
• − Repairs & maintenance: −$1,212
• − Management: −$1,212
• − Depreciation: −$2,906
• Taxable income: $2,958
• Est. tax owed @ 24.0%: −$710
• After-tax cash flow: $3,706/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: Huntsville City
• NCES district ID: 0101800
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 46% ▬ 0.00%
• Median HH income: $48,264
• Composite: 28.84/100
• National rank: #6647
• State rank: #48 of 129 in AL

Livability — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, AL
• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 31,008
• Household income: $90,812
• Rent vs Own: 22.4% rent · 77.6% own
• Severe rent burden: 517.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 392,086 people
• By 2030: 409,788 · +4.5%
• By 2040: 440,557 · +12.4%
• By 2050: 460,990 · +17.6%
• By 2075: 502,872 · +28.3%
• By 2100: 513,623 · +31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Black 27% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Slovak 2% Italian 2% Serbian 2%
• Foreign-born: 4% · Canada, Vietnam, China
• Languages at home: 95% English-only · Spanish 3% Vietnamese 1%

Political lean MEDSL · Madison

• 2024 margin: Lean R (+9.0) · D 44.7% · R 53.7% · Other 1.6%
• 2008→2024 swing: +6.0pp toward D · 2008: -14.9pp · 2024: -9.0pp
• All cycles: 2024: R+9.0 2020: R+8.0 2016: R+16.8 2012: R+18.7 2008: R+14.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -7.13%
• Current HPI: 332.9423
• Rent YoY: ▲ 6.81%
• Metro: Huntsville, 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

+77.1% since first listed

6 events — show timeline

• 2026-05-18 Listed $99,900 VMLS
• 2022-02-02 Sold (Public Records) $360,000 Public Records
• 2022-01-26 Sold (MLS) $85,000 VMLS
• 2022-01-10 Pending — VMLS
• 2022-01-08 Listed $85,000 VMLS
• 2006-10-11 Sold (Public Records) $56,400 Public Records

Property tax history

+8.6%/yr

Latest (2024): $771 · +6.1% YoY. Source: county tax records.