125 Pineridge Dr · Enterprise, AL 36330

$145,000

2 bd · 2.5 ba · 1,380 sqft · Townhouse public records · 99 Days on market

Built 1995 $105/sqft · 6% above area Est $137k · 6% over $70/mo HOA · 5% of rent

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Why this score? — see what drove the D 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 +15.9/30.0
• ARV discount +5.0/15.0
• DSCR +4.9/10.0
• Schools +4.3/10.0
• 1% rule +4.1/10.0
• Rent growth +3.5/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming 2-bedroom, 2.5-bathroom townhome offers carpeted upstairs bedrooms and LVP flooring in the living area. The galley-style kitchen comes with stainless steel appliances. Bedrooms are tucked away upstairs for extra privacy and comfort. Bathrooms are conveniently located on both levels, and the laundry room sits just off the foyer downstairs. Enjoy plenty of parking with a roomy one-car garage and concrete driveway. Ideally situated near shopping, schools, and restaurants, and just a short drive to Fort Rucker. Tenant occupied until May 2027.

Key facts

• Roomy one-car garage
• Galley-style kitchen
• Plenty of parking

Tags

• GALLEY-STYLE KITCHEN
• STAINLESS STEEL APPLIANCES
• CARPETED UPSTAIRS BEDROOMS
• LVP FLOORING
• PLENTY OF PARKING
• ROOMY ONE-CAR GARAGE

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath townhouse listed at $145k.

Deal economics

• At list price, monthly cash flow is $69 ($829/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 $132k (9.0% below list).
• Recommended offer: $132k (9.0% below list) — sets the bar for 1% rule.
• Cap rate 6.9% vs local median 4.1% in Enterprise — 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 65/100 on livability (#127 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D, crime F, amenities F.
• Enterprise City (town): math 40% / reading 60% proficiency, ranked #12 of 129 in AL (top 9%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.9%/yr); 444 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 137 units permitted in Coffee 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 $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 99 days — a 9% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 21y 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 $126k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $131,912 (9.0% below list)

Questions for the listing agent

1. It's been on market 99 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.91% ✗
• Cap rate: 6.86%
• Cash-on-cash: 2.04%
• DSCR: 1.09
• GRM: 9.2

CMA / ARV

• ARV (median comp): $137,363
• List price: $145,000
• Delta: 5.56%
• 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
40 Woodfield Pl	0.10mi	2/2.5	1,380 (0%)	3mo	$133,500	$97	93
114 Baldwin Dr	0.49mi	2/2.5	1,404 (+2%)	0mo	$140,000	$100	74
164 S Springview Dr	0.48mi	2/2.5	1,404 (+2%)	2mo	$143,500	$102	73
120 Baldwin Dr	0.50mi	2/2.5	1,404 (+2%)	1mo	$166,500	$119	73
103 Wakefield Way	0.62mi	2/2.5	1,404 (+2%)	2mo	$165,000	$118	67
202 Foxchase Ln	0.68mi	2/2.5	1,392 (+1%)	1mo	$148,000	$106	66
152 Commons Dr	0.47mi	2/2.5	1,495 (+8%)	4mo	$151,000	$101	61
159 Commons Dr	0.43mi	3/2.5 (+1)	1,494 (+8%)	1mo	$173,500	$116	61
3145 Achey Dr	0.49mi	2/1.5	1,278 (-7%)	4mo	$140,000	$110	57
155 S Spring View Dr	0.50mi	3/2.5 (+1)	1,495 (+8%)	2mo	$147,000	$98	56
208 Ridgeway Dr	0.60mi	3/2.5 (+1)	1,495 (+8%)	1mo	$160,000	$107	52
110 Foxchase Ln	0.66mi	3/2.5 (+1)	1,500 (+9%)	4mo	$165,000	$110	46

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 · 3.92% rent growth · sell at horizon

5-year hold

• IRR: -12.1%
• Equity multiple: 0.56×
• Total profit: $-17,865
• Equity at exit: $21,620

10-year hold

• IRR: -1.6%
• Equity multiple: 0.88×
• Total profit: $-4,734
• Equity at exit: $12,537

Cash invested: $40,600 (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 36330

• Home prices YoY: -19.4%
• Rents YoY: 3.9%
• Active inventory: 444
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,319 high
• Mortgage (P&I): −$760
• Tax from tax record: −$82 /mo · $987/yr
• Insurance: −$60
• HOA: −$70
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $69

Break-even live

Break-even rent $1,232

Max offer price $145,000

Occupancy floor 90%

Sensitivity live

Price	-10% $151	-5% $110	+0% $69	+5% $28	+10% $-13
Rent	-10% $-35	-5% $17	+0% $69	+5% $121	+10% $173
Rate	-1.0pp $142	-0.5pp $106	base $69	+0.5pp $31	+1.0pp $-7

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
106 Pineridge Dr Enterprise, AL	2.0	2.5	1427	$1,150	$0.81	45d	1	0.02mi
224 Candlebrook Dr Enterprise, AL	2.0	1.5	1024	$1,050	$1.03	45d	1	0.19mi
220 Candlebrook Dr Enterprise, AL	2.0	1.5	1024	$995	$0.97	45d	1	0.19mi
206 Myrtlewood Dr Enterprise, AL	3.0	2.0	1155	$1,400	$1.21	45d	1	0.24mi
184 N Springview Dr Enterprise, AL	3.0	2.5	1494	$1,350	$0.90	45d	1	0.33mi
160 N Springview Dr Enterprise, AL	3.0	2.5	1495	$1,350	$0.90	45d	1	0.38mi
102 S Spring View Dr Enterprise, AL	2.0	2.5	1404	$1,300	$0.93	45d	1	0.40mi
605 Melbourne Dr Enterprise, AL	3.0	2.0	1333	$1,650	$1.24	45d	1	0.40mi
114 S Spring View Dr Enterprise, AL	3.0	2.5	1494	$1,300	$0.87	45d	1	0.41mi
3101 Achey Dr Enterprise, AL	2.0	1.5	1232	$1,200	$0.97	45d	1	0.46mi
137 Commons Dr Unit 1 Enterprise, AL	2.0	2.5	1369	$1,100	$0.80	45d	1	0.48mi
133 Commons Dr Enterprise, AL	3.0	2.5	1400	$1,200	$0.86	45d	1	0.49mi
118 Baldwin Dr Enterprise, AL	3.0	2.5	1494	$1,375	$0.92	45d	1	0.50mi
25 Courtyard Way Enterprise, AL	2.0	2.5	1632	$1,250	$0.77	45d	1	0.50mi
114 Commons Dr Enterprise, AL	2.0	2.5	1380	$1,300	$0.94	45d	1	0.54mi
85 Courtyard Way Enterprise, AL	3.0	2.5	1460	$1,375	$0.94	45d	1	0.54mi
102 Commons Dr Enterprise, AL	2.0	2.5	1380	$1,250	$0.91	45d	1	0.55mi
210 Morgan Ln Enterprise, AL	3.0	2.0	1494	$1,300	$0.87	45d	1	0.56mi
214 Morgan Ln Enterprise, AL	3.0	2.0	1322	$1,400	$1.06	45d	1	0.60mi
107 Wakefield Way Enterprise, AL	2.0	2.5	1369	$1,350	$0.99	45d	1	0.62mi
206 Wakefield Way Enterprise, AL	2.0	2.5	1495	$2,635	$1.76	45d	1	0.67mi
108 Anthony Cir Unit C Enterprise, AL	2.0	2.0	1032	$900	$0.87	45d	1	0.75mi
203 Winthrope Ln Enterprise, AL	2.0	2.5	1365	$1,325	$0.97	45d	1	0.78mi
206 Myrick Dr Enterprise, AL	3.0	2.0	1800	$1,595	$0.89	45d	1	0.80mi
155 Wingate Ave Enterprise, AL	2.0	2.0	1600	$1,450	$0.91	45d	1	0.84mi
200 Cheyenne Dr Enterprise, AL	2.0	1.5	1088	$800	$0.74	45d	1	0.97mi
452 Sandy Oak Dr Enterprise, AL	2.0	1.5	1300	$1,150	$0.88	45d	1	1.16mi
455 Sandy Oak Dr Enterprise, AL	3.0	2.5	1504	$1,975	$1.31	45d	1	1.19mi
443 Sandy Oak Dr Enterprise, AL	2.0	2.5	1504	$1,350	$0.90	45d	1	1.20mi

HOA detail

• Monthly dues: $70 · $840/yr

Listing history 30 events

1. 2026-06-21
   days on market $145,000 Active 99 DOM
2. 2026-06-19
   days on market $145,000 Active 97 DOM
3. 2026-06-18
   days on market $145,000 Active 96 DOM
4. 2026-06-17
   days on market $145,000 Active 95 DOM
5. 2026-06-16
   days on market $145,000 Active 94 DOM
6. 2026-06-15
   days on market $145,000 Active 93 DOM
7. 2026-06-14
   days on market $145,000 Active 91 DOM
8. 2026-06-12
   days on market $145,000 Active 90 DOM
9. 2026-06-09
   days on market $145,000 Active 87 DOM
10. 2026-06-08
    days on market $145,000 Active 86 DOM
11. 2026-06-07
    days on market $145,000 Active 85 DOM
12. 2026-06-05
    days on market $145,000 Active 82 DOM
13. 2026-06-03
    days on market $145,000 Active 81 DOM
14. 2026-06-02
    days on market $145,000 Active 80 DOM
15. 2026-06-01
    days on market $145,000 Active 79 DOM
16. 2026-05-31
    days on market $145,000 Active 78 DOM
17. 2026-05-30
    days on market $145,000 Active 77 DOM
18. 2026-03-14
    listed $145,000 Active 558-char remark

    Show marketing remark (558 chars)

    This charming 2-bedroom, 2.5-bathroom townhome offers carpeted upstairs bedrooms and LVP flooring in the living area. The galley-style kitchen comes with stainless steel appliances. Bedrooms are tucked away upstairs for extra privacy and comfort. Bathrooms are conveniently located on both levels, and the laundry room sits just off the foyer downstairs. Enjoy plenty of parking with a roomy one-car garage and concrete driveway. Ideally situated near shopping, schools, and restaurants, and just a short drive to Fort Rucker. Tenant occupied until May 2027.

19. 2023-12-28
    soldstatus $126,000
20. 2023-12-21
    soldstatus $126,000 Closed 591-char remark

    Show marketing remark (591 chars)

    Discover this attractive 2 bedroom, 2.5 bathroom townhouse, featuring fresh paint, new carpet upstairs and LVP flooring in the living area completed in 2021 ensuring a well maintained interior. The galley-style kitchen is equipped with stainless steel appliances combining practicality with a contemporary style. The bedrooms are conveniently situated upstairs for added privacy and comfort. This tenant occupied gem has so much to offer but also provides a fantastic investment opportunity for savvy buyers, current lease ends June 2024. Don't hesitate, call today to schedule your showing!

21. 2023-10-21
    listed $126,900 591-char remark

    Show marketing remark (591 chars)

    Discover this attractive 2 bedroom, 2.5 bathroom townhouse, featuring fresh paint, new carpet upstairs and LVP flooring in the living area completed in 2021 ensuring a well maintained interior. The galley-style kitchen is equipped with stainless steel appliances combining practicality with a contemporary style. The bedrooms are conveniently situated upstairs for added privacy and comfort. This tenant occupied gem has so much to offer but also provides a fantastic investment opportunity for savvy buyers, current lease ends June 2024. Don't hesitate, call today to schedule your showing!

22. 2021-06-14
    soldstatus $90,000
23. 2021-06-11
    soldstatus $90,000
24. 2021-06-11
    soldstatus $90,000
25. 2021-04-01
    listed $94,500
26. 2021-04-01
    listed $94,500
27. 2013-07-17
    listed $76,500
28. 2013-07-17
    listed $76,500
29. 2005-10-31
    soldstatus $88,000
30. 2005-09-30
    listed $88,000

ⓘ 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: $987 · $82/mo
• Projected year-2 tax: $987 · $82/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 8/10 Severe 99% 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: $15,829
• − Mortgage interest: −$8,122
• − Property taxes: −$987
• − Insurance: −$725
• − Repairs & maintenance: −$1,266
• − Management: −$1,266
• − HOA: −$840
• − Depreciation: −$4,218
• Taxable loss: −$1,596
• Est. tax savings @ 24.0%: +$383
• After-tax cash flow: $1,211/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: Enterprise City
• NCES district ID: 0101320
• Math proficiency: 40% ▼ -20.00%
• Reading proficiency: 60% ▲ 4.00%
• Median HH income: $51,311
• Composite: 42.83/100
• National rank: #3136
• State rank: #12 of 129 in AL

Livability — Enterprise

• Score: 65/100
• State rank: #127
• US rank: #12953

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enterprise, AL
• County: Coffee County · 39,557 people
• City population: 39,557
• Metro: Enterprise, AL
• Population (ZIP): 39,557
• Household income: $75,765
• Rent vs Own: 32.4% rent · 67.6% own
• Severe rent burden: 1126.0

Population outlook (Coffee County) Hauer SSP2

• Today (2025): 53,133 people
• By 2030: 53,832 · +1.3%
• By 2040: 54,504 · +2.6%
• By 2050: 54,289 · +2.2%
• By 2075: 51,175 · -3.7%
• By 2100: 46,793 · -11.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 63% Black 17% Hispanic / Latino 13% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 3%
• Common ancestry: Italian 3% Lithuanian 2% Serbian 2%
• Foreign-born: 6% · Canada, Vietnam, South Korea
• Languages at home: 89% English-only · Spanish 8% German/W. Germanic 2%

Political lean MEDSL · Coffee

• 2024 margin: Solid R (+57.9) · D 20.7% · R 78.6%
• 2008→2024 swing: -9.0pp toward R · 2008: -48.9pp · 2024: -57.9pp
• All cycles: 2024: R+57.9 2020: R+53.1 2016: R+56.7 2012: R+49.4 2008: R+48.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -44.44%
• Current HPI: 184.0163
• Rent YoY: ▲ 3.92%
• Metro: Enterprise, 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

+64.8% since first listed

13 events — show timeline

• 2026-03-14 Listed $145,000 WBR
• 2023-12-28 Sold (Public Records) $126,000 Public Records
• 2023-12-21 Sold (MLS) $126,000 WBR
• 2023-10-21 Listed $126,900 WBR
• 2021-06-14 Sold (Public Records) $90,000 Public Records
• 2021-06-11 Sold (MLS) $90,000 WBR
• 2021-06-11 Sold (MLS) $90,000 MAAR
• 2021-04-01 Listed $94,500 WBR
• 2021-04-01 Listed $94,500 MAAR
• 2013-07-17 Listed $76,500 MAAR
• 2013-07-17 Listed $76,500 WBR
• 2005-10-31 Sold (MLS) $88,000 MAAR
• 2005-09-30 Listed $88,000 MAAR

Property tax history

+8.9%/yr

Latest (2025): $987 · +7.3% YoY. Source: county tax records.