1814 Jenny Dr · Prattville, AL 36066

$195,000

3 bd · 2.0 ba · 1,272 sqft · SingleFamily public records · 37 Days on market

Built 1983 0.36 ac lot $153/sqft · 6% below area Est $208k · 6% under

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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 +25.8/30.0
• ARV discount +10.3/15.0
• DSCR +8.6/10.0
• 1% rule +5.5/10.0
• Livability +3.8/5.0
• Rent growth +3.2/5.0
• Schools +3.2/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Three bedroom, two bathroom home just two blocks from Prattville Kindergarten and Daniel Pratt Elementary schools, and right around the corner from Overlook Park. The home sits on a large lot and has a fully fenced backyard with covered patio, and a wired workshop. New ROOF installed in 2023.

Key facts

• Large lot
• Covered patio
• Wired workshop

Tags

• FULLY FENCED BACKYARD
• COVERED PATIO
• WIRED WORKSHOP
• LARGE LOT
• TWO BLOCKS FROM SCHOOLS
• AROUND THE CORNER FROM PARK

Property features AI

Exterior

• Parking: Driveway with 2 parking pads
• Utilities: Public water; Public sewer; Electricity available; Natural gas available; Cable available; High-speed internet available
• Home design: Single-story home; Brick and vinyl siding exterior; Slab foundation
• Construction: Brick and vinyl siding construction; Slab foundation; Built (year from public records)
• Exterior features: Covered patio; Covered porch/patio; Fully fenced yard; Storage; Workshop; City lot

Interior

• Flooring: Carpet; Tile; Vinyl
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating (gas); Central electric cooling
• Interior features: Carpet flooring; Tile flooring; Vinyl flooring; One fireplace
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $195k.

Deal economics

• At list price, monthly cash flow is $471 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $195k).
• Recommended offer: $189k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 4.2% in Prattville — 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 76/100 on livability (#11 in AL, #3,273 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B+; Watch: amenities D, commute F.
• Autauga County (rural): math 23% / reading 50% proficiency, ranked #34 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.9%/yr); 235 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 221 units permitted in Autauga County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Autauga County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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

• Climate carrying-cost: severe wind risk, 80% 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 $189,150 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.05% ✓
• Cap rate: 9.19%
• Cash-on-cash: 10.36%
• DSCR: 1.46
• GRM: 7.9

CMA / ARV

• ARV (median comp): $207,942
• List price: $195,000
• Delta: -6.22%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1809 Jenny Dr	0.05mi	3/2.0	1,212 (-5%)	2mo	$207,000	$171	88
125 Thames Dr	0.09mi	3/2.0	1,187 (-7%)	4mo	$175,000	$147	82
146 Beth Manor Dr	0.31mi	4/2.0 (+1)	1,294 (+2%)	9mo	$182,500	$141	70
133 Thames Dr	0.07mi	3/1.0	1,119 (-12%)	5mo	$130,000	$116	68
120 Beth Manor Dr	0.53mi	3/2.0	1,251 (-2%)	8mo	$170,000	$136	66
298 Teri Ln	0.40mi	3/2.0	1,337 (+5%)	8mo	$157,000	$117	66
112 Beth Manor Dr	0.61mi	3/2.0	1,215 (-4%)	3mo	$175,000	$144	62
606 Sheila Blvd	0.74mi	3/2.0	1,362 (+7%)	1mo	$200,000	$147	53
117 Beth Manor Dr	0.56mi	3/2.0	1,328 (+4%)	18mo	$192,000	$145	51
544 Sheila Blvd	0.68mi	3/2.0	1,213 (-5%)	13mo	$160,000	$132	50
111 W Teri Ct	0.48mi	3/2.0	1,459 (+15%)	5mo	$245,000	$168	49
538 Sheila Blvd	0.66mi	3/2.0	1,332 (+5%)	16mo	$202,000	$152	48

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 · 2.86% rent growth · sell at horizon

5-year hold

• IRR: -0.9%
• Equity multiple: 0.96×
• Total profit: $-1,948
• Equity at exit: $29,075

10-year hold

• IRR: 8.6%
• Equity multiple: 1.65×
• Total profit: $35,425
• Equity at exit: $16,860

Cash invested: $54,600 (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 36066

• Home prices YoY: -13.4%
• Rents YoY: 2.9%
• Active inventory: 235
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,055 high
• Mortgage (P&I): −$1,023
• Tax from tax record: −$48 /mo · $579/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$432
• Net cashflow: $471

Break-even live

Break-even rent $1,458

Max offer price $195,000

Occupancy floor 72%

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
113 Lori St Prattville, AL	4.0	2.0	1489	$1,700	$1.14	44d	1	0.44mi
790 Old Quarters Rd Prattville, AL	1.0–3.0	1.0–2.0	1146	$2,486	$2.17	13d	13	0.56mi
110 Dellwood Ct Prattville, AL	3.0	2.0	1424	$1,700	$1.19	44d	1	0.72mi
710 Summer Ln Prattville, AL	3.0	2.0	1539	$1,600	$1.04	44d	1	0.82mi
2100 Legends Dr Prattville, AL	1.0–3.0	1.0–2.0	1315	$2,213	$1.68	13d	13	1.09mi
601 McQueen Village Rd Prattville, AL	1.0–3.0	1.0–2.0	937	$1,364	$1.45	13d	4	1.15mi
498 Greystone Way Prattville, AL	3.0	2.0	1873	$1,750	$0.93	13d	1	1.15mi
1122 Oates Rd Prattville, AL	3.0	2.0	1707	$1,656	$0.97	44d	1	1.36mi
1291 Huie St Prattville, AL	3.0	2.0	1528	$1,761	$1.15	44d	1	1.40mi

Listing history 16 events

1. 2026-06-18
   days on market $195,000 Active 37 DOM
2. 2026-06-17
   days on market $195,000 Active 36 DOM
3. 2026-06-16
   days on market $195,000 Active 35 DOM
4. 2026-06-15
   days on market $195,000 Active 34 DOM
5. 2026-06-14
   days on market $195,000 Active 32 DOM
6. 2026-06-13
   statusdays on market $195,000 Active 31 DOM
7. 2026-06-10
   days on market $195,000 Contingent 29 DOM
8. 2026-06-09
   days on market $195,000 Contingent 28 DOM
9. 2026-06-08
   days on market $195,000 Contingent 27 DOM
10. 2026-06-07
    statusdays on market $195,000 Contingent 26 DOM
11. 2026-06-03
    days on market $195,000 Active 22 DOM
12. 2026-06-02
    days on market $195,000 Active 21 DOM
13. 2026-06-01
    days on market $195,000 Active 20 DOM
14. 2026-05-31
    days on market $195,000 Active 19 DOM
15. 2026-05-30
    days on market $195,000 Active 18 DOM
16. 2026-05-12
    listed $195,000 Active 293-char remark

ⓘ 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: $579 · $48/mo
• Projected year-2 tax: $800 · $67/mo
• Expected delta: +$220/yr (+$18/mo · 38.1%)

ⓘ 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 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,662
• − Mortgage interest: −$10,923
• − Property taxes: −$579
• − Insurance: −$975
• − Repairs & maintenance: −$1,973
• − Management: −$1,973
• − Depreciation: −$5,673
• Taxable income: $2,566
• Est. tax owed @ 24.0%: −$616
• After-tax cash flow: $5,042/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: Autauga County
• NCES district ID: 0100240
• Math proficiency: 23% ▼ -31.00%
• Reading proficiency: 50% ▼ -5.00%
• Median HH income: $52,974
• Composite: 31.77/100
• National rank: #5892
• State rank: #34 of 129 in AL

Livability — Prattville

• Score: 76/100
• State rank: #11
• US rank: #3273

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prattville, AL
• County: Autauga County · 50,925 people
• City population: 50,925
• Metro: Montgomery, AL
• Population (ZIP): 22,632
• Household income: $86,278
• Rent vs Own: 36.6% rent · 63.4% own
• Severe rent burden: 683.0

Population outlook (Autauga County) Hauer SSP2

• Today (2025): 55,958 people
• By 2030: 55,810 · -0.3%
• By 2040: 54,892 · -1.9%
• By 2050: 53,062 · -5.2%
• By 2075: 49,425 · -11.7%
• By 2100: 45,110 · -19.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Black 21% Two or more races 5% Hispanic / Latino 4% Asian 2%
• Common ancestry: Slovak 3% Lithuanian 2% Serbian 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 92% English-only · Spanish 3% Other Asian/Pacific 1% Tagalog/Filipino 1%

Political lean MEDSL · Autauga

• 2024 margin: Solid R (+46.3) · D 26.4% · R 72.7%
• 2008→2024 swing: +1.6pp toward D · 2008: -47.8pp · 2024: -46.3pp
• All cycles: 2024: R+46.3 2020: R+44.4 2016: R+49.5 2012: R+46.0 2008: R+47.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -30.80%
• Current HPI: 198.2636
• Rent YoY: ▲ 2.86%
• Metro: Montgomery, 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

3 events — show timeline

• 2026-06-11 Relisted — MAAR
• 2026-06-05 Contingent — MAAR
• 2026-05-12 Listed $195,000 MAAR

Property tax history

+5.2%/yr

Latest (2025): $579 · +6.6% YoY. Source: county tax records.