2257 Roberta Dr · Mobile, AL 36617

$134,900

3 bd · 2.0 ba · 1,344 sqft · SingleFamily public records · 43 Days on market

Built 1986 7,753 sqft lot $100/sqft · 133% above area

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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 +25.2/30.0
• DSCR +8.3/10.0
• ARV discount +7.5/15.0
• Appreciation +7.4/10.0
• 1% rule +5.5/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks

2257 Roberta Drive Mobile, AL 36617 must see home. This property is centrally located near local hospitals, shopping, and entertainment. Easy interstate access is available. This spacious home features 3 bedrooms and 2 bathrooms with 1,344 square feet. As bonus, this home offers a large private den that could be used as a bedroom or second living room. This home features large rooms and a nice yard, perfect for family get togethers. This home is perfect for a first-time home buyer or investor. This home is priced to sell fast. Please allow notice before showing this property is occupied. The home is currently tenant occupied. Tenant is at the end of the lease agreement. Buyer to verify all

Key facts

• Centrally located
• Large private den
• Nice yard

Tags

• CENTRALLY LOCATED
• LARGE PRIVATE DEN
• EASY INTERSTATE ACCESS
• NICE YARD

Property features AI

Exterior

• Parking: Driveway with space for 2 vehicles
• Utilities: Cable available; Electricity available (110V and 220V); Phone available; Public sewer; Water available
• Home design: Single-family residence; Residential property
• Construction: Brick 4 sides; Shingle roof; Built in 1986; Concrete perimeter and slab foundation; Wood frame windows
• Exterior features: Storage; Fenced yard; View

Interior

• Kitchen: Eat-in kitchen
• Bedrooms: 3 bedrooms
• Flooring: Hardwood; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Other
• Laundry & utility: Other

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $302 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $135k).
• Recommended offer: $131k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.0% vs local median 4.9% in Mobile — 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 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, employment D-.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Holloway Elementary (math 5% / reading 19%, grade F, #554 of 627 statewide, top 88%, 498 students, 98% FRL); John L Leflore Magnet School (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 618 students, 84% FRL) — zoned schools average 91% FRL vs 67% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 7% at this address vs 27% district-wide (-20 pts) — the specific schools serving this property underperform the Mobile County average; the district grade overstates school quality for this exact location.
• Market conditions: 40 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($933 loan paydown + $6k appreciation (4.8% local appreciation)).
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (4.8% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($131k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $62k; list at $135k implies a 118% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $130,853 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 1.05% ✓
• Cap rate: 8.98%
• Cash-on-cash: 9.59%
• DSCR: 1.43
• GRM: 7.9

CMA / ARV

• ARV (median comp): $57,925
• List price: $134,900
• Delta: 132.89%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2211 Barlow St	0.12mi	3/2.0	1,392 (+4%)	2mo	$24,000	$17	86
2302 Roosevelt St	0.28mi	3/2.0	1,404 (+4%)	7mo	$47,000	$33	74
421 Chavers St	0.37mi	3/2.0	1,208 (-10%)	2mo	$71,500	$59	64
2666 Betbeze St	0.55mi	4/2.0 (+1)	1,429 (+6%)	5mo	$19,900	$14	55
292 Siena Vis	0.61mi	3/2.0	1,416 (+5%)	10mo	$169,000	$119	55
619 Caton Ave	0.54mi	3/1.0	1,296 (-4%)	15mo	$60,000	$46	52
1854 St Stephens Ct	0.68mi	4/2.0 (+1)	1,350 (+0%)	14mo	$148,000	$110	51
2014 Clinton St	0.69mi	3/1.5	1,264 (-6%)	13mo	$125,000	$99	45
2203 Rosa Dr	0.66mi	3/1.0	1,171 (-13%)	0mo	$160,500	$137	44
1856 Nabers Dr	0.69mi	3/1.0	1,414 (+5%)	16mo	$100,000	$71	42
687 Welworth St	0.60mi	3/1.0	1,534 (+14%)	11mo	$129,900	$85	36
2507 Myrtle St	0.74mi	2/1.0 (-1)	1,150 (-14%)	4mo	$169,500	$147	29

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.78% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.6%
• Equity multiple: 2.29×
• Total profit: $48,549
• Equity at exit: $74,625

10-year hold

• IRR: 20.4%
• Equity multiple: 4.47×
• Total profit: $130,908
• Equity at exit: $127,311

Cash invested: $37,772 (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 36617

• Home prices YoY: 3.9%
• Active inventory: 40
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,415 high
• Mortgage (P&I): −$707
• Tax from tax record: −$52 /mo · $626/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $302

Break-even live

Break-even rent $1,033

Max offer price $134,900

Occupancy floor 74%

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: $33,725
• Closing costs: $4,047
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
423 Devon Dr Mobile, AL	3.0	1.0	1220	$950	$0.78	43d	1	0.21mi
402 Havens St Mobile, AL	4.0	2.0	960	$1,350	$1.41	13d	1	0.38mi
510 Schwartz St Mobile, AL	3.0	2.0	1288	$1,400	$1.09	13d	1	0.44mi
2007 Allison St Unit 1 Mobile, AL	3.0	2.0	1805	$1,575	$0.87	43d	1	0.55mi
186 Stanton Rd Mobile, AL	1.0–3.0	1.0–2.5	1263	$2,450	$1.94	43d	1	0.81mi
305 Indian Creek Dr E Unit 1043809P Mobile, AL	3.0	2.5	1496	$3,985	$2.66	13d	1	0.89mi
1821 Seale St Mobile, AL	4.0	2.0	1584	$1,400	$0.88	21d	1	1.03mi
107 Grand Blvd Mobile, AL	2.0	2.0	1200	$1,295	$1.08	21d	1	1.06mi
672 Burden St Mobile, AL	3.0	1.5	1421	$1,300	$0.91	21d	1	1.08mi
708 Bond St Mobile, AL	3.0	1.0	1100	$1,350	$1.23	21d	1	1.17mi
129 Shell Road Pl Unit 1043713P Mobile, AL	4.0	2.0	1496	$3,389	$2.27	21d	1	1.19mi
156 Hemley Ave Mobile, AL	3.0	1.0	936	$1,195	$1.28	43d	1	1.23mi
2604 Dauphin St #210 Mobile, AL	2.0	1.0	950	$1,150	$1.21	21d	1	1.28mi
2604 Dauphin St Mobile, AL	2.0	1.0	950	$1,072	$1.13	43d	2	1.28mi
2500 Dauphinwood Dr Mobile, AL	2.0–3.0	1.0–2.0	1250	$1,395	$1.12	13d	19	1.39mi
104 Ellinor St Mobile, AL	2.0	1.0	896	$1,275	$1.42	21d	1	1.48mi

Listing history 18 events

1. 2026-06-18
   days on market $134,900 Active 43 DOM
2. 2026-06-17
   days on market $134,900 Active 42 DOM
3. 2026-06-16
   days on market $134,900 Active 41 DOM
4. 2026-06-15
   days on market $134,900 Active 40 DOM
5. 2026-06-14
   days on market $134,900 Active 38 DOM
6. 2026-06-13
   days on market $134,900 Active 37 DOM
7. 2026-06-10
   days on market $134,900 Active 35 DOM
8. 2026-06-09
   days on market $134,900 Active 34 DOM
9. 2026-06-08
   days on market $134,900 Active 33 DOM
10. 2026-06-07
    days on market $134,900 Active 32 DOM
11. 2026-06-05
    days on market $134,900 Active 29 DOM
12. 2026-06-03
    days on market $134,900 Active 28 DOM
13. 2026-06-02
    days on market $134,900 Active 27 DOM
14. 2026-06-01
    days on market $134,900 Active 26 DOM
15. 2026-05-31
    days on market $134,900 Active 25 DOM
16. 2026-05-30
    days on market $134,900 Active 24 DOM
17. 2026-05-06
    listed $134,900 Active 753-char remark
18. 2010-10-08
    soldstatus $62,000

ⓘ 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: $626 · $52/mo
• Projected year-2 tax: $626 · $52/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 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥104°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% 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: $16,976
• − Mortgage interest: −$7,556
• − Property taxes: −$626
• − Insurance: −$674
• − Repairs & maintenance: −$1,358
• − Management: −$1,358
• − Depreciation: −$3,924
• Taxable income: $1,478
• Est. tax owed @ 24.0%: −$355
• After-tax cash flow: $3,266/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mobile, AL
• City population: 205,729
• Population (ZIP): 11,952

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (97%)
• Race & ethnicity: Black 97% White 2%
• Foreign-born: 0%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.78%
• Current HPI: 128.8377
• 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

+117.6% since first listed

2 events — show timeline

• 2026-05-06 Listed $134,900 GCMLS AL
• 2010-10-08 Sold (Public Records) $62,000 Public Records

Property tax history

+8.1%/yr

Latest (2025): $626 · +0.0% YoY. Source: county tax records.