2507 Kildare St · Huntsville, AL 35811

$124,900

3 bd · 1.0 ba · 1,192 sqft · SingleFamily public records · 317 Days on market

Built 1935 10,018 sqft lot $105/sqft · at area comps Est $126k · at est.

---

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 +26.8/30.0
• DSCR +9.2/10.0
• ARV discount +7.9/15.0
• 1% rule +6.5/10.0
• 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

Welcome Home to This 3 Bedroom 1 Full Bath Craftsman Style House in The Growing Meridian/Oakwood Corridor of Huntsville! Large Open Living Room. 3 Large Bedrooms. Plenty of Counter and Cabinet Space in the Kittchen Large Lot With Detached Storage Building. Two Bedrooms Feature Original Wood Floors. Close Proximity to Memorial Parkway / I-565, 5 Points and Shopping/Dining At Lincoln Mill! Great Investor Opportunity With A Little Fix Up to Use as a Rental or Flip. Property Sold AS IS.

Key facts

• Large lot
• 0.23 acre lot
• Built 1935

Tags

• CRAFTSMAN STYLE HOUSE
• LARGE OPEN LIVING ROOM
• LARGE LOT
• DETACHED STORAGE BUILDING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $342 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.6% 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.
• Market conditions: Rents rising fast (+6.8%/yr); 560 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% 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 $864 of loan paydown is wiped out by about $4k 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 $35k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 317 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y 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 $41k; list at $125k implies a 202% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1935 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 6→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 317 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1935 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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.
7. 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.
8. 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: 1.15% ✓
• Cap rate: 9.58%
• Cash-on-cash: 11.72%
• DSCR: 1.52
• GRM: 7.3

CMA / ARV

• ARV (median comp): $125,892
• List price: $124,900
• Delta: -0.79%
• 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
629 NW Dawson Ter	0.35mi	3/2.0	1,195 (+0%)	16mo	$98,000	$82	66
116 Mccormick Dr NW	0.36mi	3/2.0	1,274 (+7%)	3mo	$178,250	$140	65
619 Kennan Rd	0.50mi	3/2.0	1,246 (+4%)	1mo	$170,000	$136	64
2419 Virginia Blvd NW	0.18mi	3/1.0	1,319 (+11%)	13mo	$120,000	$91	63
2109 SW Kildare St	0.32mi	3/2.0	1,239 (+4%)	14mo	$215,000	$174	63
3062 Boswell Dr NW	0.61mi	3/2.0	1,150 (-4%)	1mo	$178,500	$155	61
2409 Kildare St NW	0.07mi	2/1.0 (-1)	1,030 (-14%)	10mo	$155,000	$150	61
2602 Waltham Dr NE	0.70mi	3/1.0	1,263 (+6%)	8mo	$140,000	$111	51
3006 Merry Oaks Dr NW	0.71mi	3/1.5	1,100 (-8%)	4mo	$173,000	$157	49
2310 Lee High Dr	0.53mi	2/1.0 (-1)	1,089 (-9%)	10mo	$190,000	$174	47
704 Mckinley Ave NE	0.67mi	2/1.0 (-1)	1,100 (-8%)	13mo	$170,000	$155	40
801 Halsey Ave	0.75mi	2/1.5 (-1)	1,072 (-10%)	12mo	$130,000	$121	32

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: 5.1%
• Equity multiple: 1.21×
• Total profit: $7,205
• Equity at exit: $18,623

10-year hold

• IRR: 17.6%
• Equity multiple: 2.70×
• Total profit: $59,535
• Equity at exit: $10,799

Cash invested: $34,972 (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: 7.3×

Monthly cashflow live

• Estimated rent: $1,434 high
• Mortgage (P&I): −$655
• Tax from tax record: −$84 /mo · $1,010/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$301
• Net cashflow: $342

Break-even live

Break-even rent $1,002

Max offer price $124,900

Occupancy floor 71%

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
304 Wind Ave NW Huntsville, AL	2.0	1.0	960	$1,095	$1.14	43d	1	0.13mi
2601 Academy Dr NW Huntsville, AL	2.0–4.0	1.0–2.0	971	$1,262	$1.30	43d	1	0.27mi
2032 Front St NE Huntsville, AL	4.0	2.0	1304	$1,400	$1.07	43d	1	0.28mi
2115 Lee High Dr NE Huntsville, AL	3.0	1.0	870	$1,245	$1.43	13d	1	0.37mi
522 Lisa Ln NW Huntsville, AL	4.0	3.0	1025	$1,695	$1.65	43d	1	0.41mi
2809 Academy Dr NW Huntsville, AL	2.0	1.5	900	$950	$1.06	43d	1	0.43mi
415 Halsey Ave NE Huntsville, AL	2.0	1.0–2.0	818	$1,760	$2.15	13d	20	0.52mi
621 Murray Rd NW Huntsville, AL	3.0	1.5	1008	$1,325	$1.31	13d	1	0.59mi
611 Ofallon Rd NW Huntsville, AL	3.0	2.0	1350	$3,000	$2.22	23d	1	0.64mi
3058 Boswell Dr NW Huntsville, AL	4.0	2.0	1450	$1,398	$0.96	43d	1	0.67mi
1114 Oakwood Ave NE Unit A Huntsville, AL	2.0	1.0	1000	$995	$0.99	13d	1	0.75mi
1107 England St NE Unit A Huntsville, AL	2.0	1.0	956	$1,200	$1.26	43d	1	0.78mi
1224 Halsey Ave NE Huntsville, AL	3.0	2.0	1229	$2,000	$1.63	23d	1	0.90mi
2212 Old Blue Spring Rd NW Unit A Huntsville, AL	2.0	1.0	970	$970	$1.00	23d	1	0.91mi
2212 Old Blue Spring Rd NW Unit B Huntsville, AL	2.0	1.0	759	$870	$1.15	23d	1	0.91mi
410 McCullough Ave NE Huntsville, AL	3.0	1.0	1143	$1,500	$1.31	23d	1	0.93mi
203 N Plymouth Rd NW Huntsville, AL	2.0	1.0	796	$1,310	$1.65	13d	1	0.95mi
202 Beirne Ave NE Huntsville, AL	3.0	1.5	1145	$1,450	$1.27	43d	1	0.99mi
2640 Blue Spring Rd NW Huntsville, AL	1.0–3.0	1.0–2.0	944	$1,149	$1.22	43d	3	0.99mi
1504 Oakwood Ave NE Apt 4 Huntsville, AL	2.0	1.0	800	$995	$1.24	43d	1	1.01mi
2401 Mount Vernon Rd NW Huntsville, AL	3.0	1.0	950	$1,045	$1.10	43d	1	1.03mi
1000 Hampton Fall Blvd Huntsville, AL	1.0–3.0	1.0–2.0	1177	$1,451	$1.23	43d	4	1.05mi
218 Ward Ave NE Huntsville, AL	2.0	2.0	932	$1,450	$1.56	13d	1	1.05mi
1529 McKinley Ave NE Huntsville, AL	2.0	1.0	884	$1,400	$1.58	43d	1	1.06mi
2219 Jonathan Dr NW Apt C Huntsville, AL	2.0	1.5	850	$850	$1.00	43d	1	1.06mi
1236 Oshaughnessy Ave NE Huntsville, AL	3.0	1.0	950	$1,450	$1.53	23d	1	1.07mi
1503 Rison Ave NE Huntsville, AL	2.0	1.0	1070	$1,395	$1.30	43d	1	1.09mi
1423 Stevens Ave NE Huntsville, AL	2.0	1.0	1020	$1,450	$1.42	43d	1	1.10mi
401 Pratt Ave NE Huntsville, AL	2.0	1.0–2.0	929	$2,290	$2.47	13d	64	1.11mi
2211 Penhall Dr NE Huntsville, AL	3.0	1.5	1274	$1,650	$1.30	43d	1	1.13mi
3410 Elizabeth St NW Apt 7 Huntsville, AL	2.0	1.0	800	$799	$1.00	43d	1	1.14mi
3410 Elizabeth St NW Unit 2 Huntsville, AL	2.0	1.0	800	$850	$1.06	43d	1	1.14mi
510 Lacy St NE Huntsville, AL	2.0	1.0	900	$1,395	$1.55	43d	1	1.14mi
212 White St NE Huntsville, AL	2.0	1.0	960	$1,095	$1.14	43d	1	1.16mi
3606 Lakewood Rd NW Huntsville, AL	3.0	1.5	1408	$1,400	$0.99	43d	1	1.16mi
1602 Rison Ave NE Huntsville, AL	3.0	2.0	1422	$1,750	$1.23	13d	1	1.16mi
402 Walker Ave NE Unit C Huntsville, AL	2.0	1.0	960	$1,000	$1.04	43d	1	1.17mi
2416 Hanover Dr NW Huntsville, AL	3.0	2.0	1300	$1,395	$1.07	43d	1	1.18mi
3328 Meridian St N Apt 114 Huntsville, AL	2.0	1.0	800	$600	$0.75	13d	1	1.18mi
1511 Humes Ave NE Huntsville, AL	3.0	1.0	1053	$1,675	$1.59	23d	1	1.18mi

Listing history 19 events

1. 2026-06-18
   days on market $124,900 Active 317 DOM
2. 2026-06-17
   days on market $124,900 Active 316 DOM
3. 2026-06-16
   days on market $124,900 Active 315 DOM
4. 2026-06-15
   days on market $124,900 Active 314 DOM
5. 2026-06-14
   days on market $124,900 Active 312 DOM
6. 2026-06-10
   days on market $124,900 Active 309 DOM
7. 2026-06-09
   days on market $124,900 Active 308 DOM
8. 2026-06-08
   days on market $124,900 Active 307 DOM
9. 2026-06-07
   days on market $124,900 Active 306 DOM
10. 2026-06-03
    days on market $124,900 Active 302 DOM
11. 2026-06-02
    days on market $124,900 Active 301 DOM
12. 2026-06-01
    days on market $124,900 Active 300 DOM
13. 2026-05-31
    days on market $124,900 Active 299 DOM
14. 2026-05-30
    days on market $124,900 Active 298 DOM
15. 2026-02-04
    status Active 495-char remark

    Show marketing remark (495 chars)

    Welcome Home to This 3 Bedroom 1 Full Bath Craftsman Style House in The Growing Meridian/Oakwood Corridor of Huntsville! Large Open Living Room. 3 Large Bedrooms. Plenty of Counter and Cabinet Space in the Kittchen Large Lot With Detached Storage Building. Two Bedrooms Feature Original Wood Floors. Close Proximity to Memorial Parkway / I-565, 5 Points and Shopping/Dining At Lincoln Mill! Great Investor Opportunity With A Little Fix Up to Use as a Rental or Flip. Property Sold AS IS.

16. 2025-09-12
    price $124,900 495-char remark

    Show marketing remark (495 chars)

    Welcome Home to This 3 Bedroom 1 Full Bath Craftsman Style House in The Growing Meridian/Oakwood Corridor of Huntsville! Large Open Living Room. 3 Large Bedrooms. Plenty of Counter and Cabinet Space in the Kittchen Large Lot With Detached Storage Building. Two Bedrooms Feature Original Wood Floors. Close Proximity to Memorial Parkway / I-565, 5 Points and Shopping/Dining At Lincoln Mill! Great Investor Opportunity With A Little Fix Up to Use as a Rental or Flip. Property Sold AS IS.

17. 2025-08-03
    listed $129,900 Active 495-char remark

    Show marketing remark (495 chars)

    Welcome Home to This 3 Bedroom 1 Full Bath Craftsman Style House in The Growing Meridian/Oakwood Corridor of Huntsville! Large Open Living Room. 3 Large Bedrooms. Plenty of Counter and Cabinet Space in the Kittchen Large Lot With Detached Storage Building. Two Bedrooms Feature Original Wood Floors. Close Proximity to Memorial Parkway / I-565, 5 Points and Shopping/Dining At Lincoln Mill! Great Investor Opportunity With A Little Fix Up to Use as a Rental or Flip. Property Sold AS IS.

18. 2018-09-26
    soldstatus $41,400 430-char remark

    Show marketing remark (430 chars)

    This adorable old home just needs a little TLC and would make the perfect flip or rental for investors or fixer upper for home buyers. Features a large backyard and privacy fence. Hardwood floors including under carpet, new windows in 2012, new roof in 2011, new paint in the bedrooms, updated plumbing & 200 AMP Electrical. There is a 1 car garage sized storage shed in the back that could be used as either a garage or shed.

19. 2018-08-29
    listed $39,900 430-char remark

    Show marketing remark (430 chars)

    This adorable old home just needs a little TLC and would make the perfect flip or rental for investors or fixer upper for home buyers. Features a large backyard and privacy fence. Hardwood floors including under carpet, new windows in 2012, new roof in 2011, new paint in the bedrooms, updated plumbing & 200 AMP Electrical. There is a 1 car garage sized storage shed in the back that could be used as either a garage or shed.

ⓘ 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: $1,010 · $84/mo
• Projected year-2 tax: $1,010 · $84/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 5/10 Major 6 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 18% 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: $17,208
• − Mortgage interest: −$6,996
• − Property taxes: −$1,010
• − Insurance: −$624
• − Repairs & maintenance: −$1,377
• − Management: −$1,377
• − Depreciation: −$3,633
• Taxable income: $2,190
• Est. tax owed @ 24.0%: −$526
• After-tax cash flow: $3,574/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

+213.0% since first listed

5 events — show timeline

• 2026-02-04 Relisted — VMLS
• 2025-09-12 Price Changed $124,900 VMLS
• 2025-08-03 Listed $129,900 VMLS
• 2018-09-26 Sold (MLS) $41,400 VMLS
• 2018-08-29 Listed $39,900 VMLS

Property tax history

+6.5%/yr

Latest (2024): $1,010 · +7.8% YoY. Source: county tax records.