3137 Highway 72 · Killen, AL 35645

$79,500

2 bd · 1.0 ba · 975 sqft · SingleFamily public records · 5 Days on market

Built 1952 0.63 ac lot Est $100k · 21% under

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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 +26.6/30.0
• ARV discount +15.0/15.0
• DSCR +9.1/10.0
• 1% rule +6.5/10.0
• Livability +3.5/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

A GREAT PLACE TO START YOUR FAMILY. NEAT 2 BEDROOM 1 BATH COTTAGE. SPACIOUS LIVINGROOM/DEN OR DININGROOM, KITCHEN, LARGE LAUNDRY ROOM WITH PANTRY STORAGE AND DOOR LEADING TO COVERED DECK THAT IS PRIVATLY FENCED. LARGE BACKYARD WITH PEACEFUL YEARROUND SPRINGFED STREAM ON WEST BACK CORNER. HOME WARRANTY WILL BE PROVIDED BY SELLER. ALSO COMMERCIAL POTENTIAL LOCATED IN THE HEART OF KILLEN. DON'T DELAY CALL TODAY FOR YOUR APPOINTMENT.

Key facts

• Functional kitchen
• Wood deck
• Laundry room

Tags

• LIVING ROOM
• DINING AREA
• FUNCTIONAL KITCHEN
• LAUNDRY ROOM
• WOOD DECK
• SIDE PORCH

Property features AI

Exterior

• Parking: Attached carport; 1 carport space; Driveway; Asphalt parking
• Utilities: Public water; Septic tank sewer; Electricity connected; Water connected
• Home design: Single family residence; Residential property; Fixer condition
• Construction: Vinyl siding; Shingle roof; Crawl space foundation; Built area above grade: 975
• Exterior features: Deck; Side porch; Back yard; Front yard; Highway frontage

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 2 bedrooms on the main level
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning; Ceiling fans
• Interior features: Ceiling fans
• Laundry & utility: Indoor laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $212 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($911 rent vs $80k).
• Cap rate 9.5% vs local median 1.5% in Killen — 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 69/100 on livability (#49 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• Lauderdale County (rural): math 19% / reading 46% proficiency, ranked #53 of 129 in AL (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Brooks Elementary School (math 26% / reading 60%, grade F, #204 of 627 statewide, top 33%, 903 students, 48% FRL); Brooks High School (math 13% / reading 45%, grade F, #84 of 305 statewide, top 28%, 755 students, 48% FRL).
• Market conditions: 224 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 164 units permitted in Lauderdale County in 2024 (72 in 5+ unit buildings).
• This rent is only 12% of the median local income ($88k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $550 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 6y 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 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,500

Questions for the listing agent

1. Built in 1952 — 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. 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.
4. 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.
5. 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: 9.50%
• Cash-on-cash: 11.44%
• DSCR: 1.51
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $100,425
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3137 Highway 72	0.00mi	2/1.0	975 (0%)	1mo	$100,000	$103	99

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 0.7%
• Equity multiple: 1.03×
• Total profit: $622
• Equity at exit: $11,854

10-year hold

• IRR: 10.4%
• Equity multiple: 1.80×
• Total profit: $17,896
• Equity at exit: $6,874

Cash invested: $22,260 (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 35645

• Home prices YoY: -12.9%
• Active inventory: 224
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $911 medium
• Mortgage (P&I): −$417
• Tax from tax record: −$57 /mo · $686/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$191
• Net cashflow: $212

Break-even live

Break-even rent $642

Max offer price $79,500

Occupancy floor 72%

Sensitivity live

Price	-10% $257	-5% $235	+0% $212	+5% $190	+10% $167
Rent	-10% $140	-5% $176	+0% $212	+5% $248	+10% $284
Rate	-1.0pp $252	-0.5pp $232	base $212	+0.5pp $192	+1.0pp $171

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: $19,875
• Closing costs: $2,385
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
615 Lock Six Rd Unit I8 Killen, AL	2.0	1.0	1000	$850	$0.85	44d	1	1.43mi

Listing history 6 events

1. 2026-04-29
   status Pending
2. 2026-04-24
   listed $79,500 Active
3. 2021-08-03
   soldstatus $85,000
4. 2020-06-12
   soldstatus $69,500 433-char remark

   Show marketing remark (433 chars)

   A GREAT PLACE TO START YOUR FAMILY. NEAT 2 BEDROOM 1 BATH COTTAGE. SPACIOUS LIVINGROOM/DEN OR DININGROOM, KITCHEN, LARGE LAUNDRY ROOM WITH PANTRY STORAGE AND DOOR LEADING TO COVERED DECK THAT IS PRIVATLY FENCED. LARGE BACKYARD WITH PEACEFUL YEARROUND SPRINGFED STREAM ON WEST BACK CORNER. HOME WARRANTY WILL BE PROVIDED BY SELLER. ALSO COMMERCIAL POTENTIAL LOCATED IN THE HEART OF KILLEN. DON'T DELAY CALL TODAY FOR YOUR APPOINTMENT.

5. 2020-06-12
   soldstatus $69,500

   Show marketing remark (433 chars)

   A GREAT PLACE TO START YOUR FAMILY. NEAT 2 BEDROOM 1 BATH COTTAGE. SPACIOUS LIVINGROOM/DEN OR DININGROOM, KITCHEN, LARGE LAUNDRY ROOM WITH PANTRY STORAGE AND DOOR LEADING TO COVERED DECK THAT IS PRIVATLY FENCED. LARGE BACKYARD WITH PEACEFUL YEARROUND SPRINGFED STREAM ON WEST BACK CORNER. HOME WARRANTY WILL BE PROVIDED BY SELLER. ALSO COMMERCIAL POTENTIAL LOCATED IN THE HEART OF KILLEN. DON'T DELAY CALL TODAY FOR YOUR APPOINTMENT.

6. 2020-02-04
   listed $69,500 433-char remark

   Show marketing remark (433 chars)

   A GREAT PLACE TO START YOUR FAMILY. NEAT 2 BEDROOM 1 BATH COTTAGE. SPACIOUS LIVINGROOM/DEN OR DININGROOM, KITCHEN, LARGE LAUNDRY ROOM WITH PANTRY STORAGE AND DOOR LEADING TO COVERED DECK THAT IS PRIVATLY FENCED. LARGE BACKYARD WITH PEACEFUL YEARROUND SPRINGFED STREAM ON WEST BACK CORNER. HOME WARRANTY WILL BE PROVIDED BY SELLER. ALSO COMMERCIAL POTENTIAL LOCATED IN THE HEART OF KILLEN. DON'T DELAY CALL TODAY FOR YOUR APPOINTMENT.

ⓘ 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: $686 · $57/mo
• Projected year-2 tax: $686 · $57/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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 20 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,927
• − Mortgage interest: −$4,453
• − Property taxes: −$686
• − Insurance: −$398
• − Repairs & maintenance: −$874
• − Management: −$874
• − Depreciation: −$2,313
• Taxable income: $1,330
• Est. tax owed @ 24.0%: −$319
• After-tax cash flow: $2,227/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: Lauderdale County
• NCES district ID: 0102010
• Math proficiency: 19% ▼ -35.00%
• Reading proficiency: 46% ▼ -7.00%
• Median HH income: $47,501
• Composite: 27.93/100
• National rank: #6863
• State rank: #53 of 129 in AL

Livability — Killen

• Score: 69/100
• State rank: #49
• US rank: #8235

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Killen, AL
• County: Lauderdale County · 47,988 people
• City population: 13,960
• Metro: Florence-Muscle Shoals, AL
• Population (ZIP): 13,960
• Household income: $87,958
• Rent vs Own: 14.6% rent · 85.4% own
• Severe rent burden: 83.0

Population outlook (Lauderdale County) Hauer SSP2

• Today (2025): 93,386 people
• By 2030: 93,634 · +0.3%
• By 2040: 93,114 · -0.3%
• By 2050: 91,586 · -1.9%
• By 2075: 88,667 · -5.1%
• By 2100: 81,098 · -13.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 5% Black 3% Hispanic / Latino 3%
• Common ancestry: Slovak 3% Serbian 3% Italian 2%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Lauderdale

• 2024 margin: Solid R (+51.5) · D 23.8% · R 75.3%
• 2008→2024 swing: -23.3pp toward R · 2008: -28.2pp · 2024: -51.5pp
• All cycles: 2024: R+51.5 2020: R+44.7 2016: R+46.0 2012: R+30.9 2008: R+28.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -28.61%
• Current HPI: 193.3443
• Rent YoY: —
• Metro: Florence-Muscle Shoals, 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

+14.4% since first listed

6 events — show timeline

• 2026-04-29 Pending — SAARMLS
• 2026-04-24 Listed $79,500 SAARMLS
• 2021-08-03 Sold (Public Records) $85,000 Public Records
• 2020-06-12 Sold (Public Records) $69,500 Public Records
• 2020-06-12 Sold (MLS) $69,500 SAARMLS
• 2020-02-04 Listed $69,500 SAARMLS

Property tax history

+12.7%/yr

Latest (2025): $686 · +3.2% YoY. Source: county tax records.