334 Earnhardt Dr · Hazel Green, AL 35761

$225,000

3 bd · 1.0 ba · 1,181 sqft · SingleFamily public records · 6 Days on market

Built 2001 0.45 ac lot $191/sqft · at area comps Est $229k · at est.

---

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 +13.7/30.0
• ARV discount +8.4/15.0
• DSCR +4.2/10.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• 1% rule +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great home located in Bristol Ridge subdivision. Gas log fireplace with trey ceiling and isolated master. This home is a must see!

Key facts

• Fresh paint
• Huge backyard
• Hard flooring

Tags

• HARD FLOORING
• FRESH PAINT
• STAINLESS OVEN
• UPDATED COUNTERTOPS
• HUGE BACKYARD
• FLOWER BEDS

Property features AI

Finance

• Other: Lot approximately 0.45 acres (106 x 185)
• HOA & community: No homeowners association; Subdivision: Bristol Ridge; Community includes curbs

Exterior

• Parking: Attached two-car garage with automatic door opener; Side-facing garage
• Utilities: Public water; Septic tank sewer
• Home design: Single-family residence; One level; Built in 2001
• Construction: Vinyl siding; Slab foundation
• Exterior features: Treed lot; Curb and gutters; Underground utilities; Paved/asphalt driveway; Covered front porch and patio

Interior

• Kitchen: Oven; Dishwasher
• Bedrooms: Total of 5 rooms (bedroom count not specified)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central electric cooling
• Interior features: Gas-log fireplace (one)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $18 ($216/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 $175k (22.3% below list).
• Recommended offer: $175k (22.3% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 3.9% in Hazel Green — 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 (#54 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment F.
• Madison County (rural): math 27% / reading 56% proficiency, ranked #19 of 129 in AL (top 15%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Walnut Grove School (math 22% / reading 62%, grade F, #213 of 627 statewide, top 37%, 282 students, 57% FRL); Meridianville Middle School (math 19% / reading 62%, grade F, #56 of 257 statewide, top 22%, 724 students, 45% FRL); Hazel Green High School (math 23% / reading 31%, grade F, #90 of 305 statewide, top 35%, 1,348 students, 42% FRL) — zoned schools average 48% FRL vs 29% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 393 active listings in the ZIP; 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 $2k of loan paydown is wiped out by about $7k 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.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 6y ago; this cycle's ask is 16567% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $120k; list at $225k implies a 88% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $174,799 (22.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 0.78% ✗
• Cap rate: 6.39%
• Cash-on-cash: 0.34%
• DSCR: 1.02
• GRM: 10.7

CMA / ARV

• ARV (median comp): $229,427
• List price: $225,000
• Delta: -1.93%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
304 Earnhardt Dr	0.20mi	3/2.0	1,215 (+3%)	7mo	$237,500	$195	76
323 Earnhardt Dr	0.10mi	3/2.0	1,125 (-5%)	11mo	$220,000	$196	74
329 Earnhardt Dr	0.07mi	3/2.0	1,160 (-2%)	19mo	$223,800	$193	74
125 Short Track Dr	0.20mi	3/2.0	1,250 (+6%)	9mo	$245,000	$196	69
324 Earnhardt Dr	0.10mi	3/2.0	1,031 (-13%)	4mo	$195,000	$189	66
954 Boles Rd	0.30mi	4/1.0 (+1)	1,055 (-11%)	4mo	$170,000	$161	60
332 Earnhardt Dr	0.02mi	3/2.0	1,045 (-12%)	22mo	$218,000	$209	58
406 Roy Davis Rd	0.19mi	3/1.5	1,050 (-11%)	20mo	$170,000	$162	54
611 Greenville Pike	0.73mi	3/1.5	1,289 (+9%)	14mo	$169,900	$132	37

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: -15.8%
• Equity multiple: 0.44×
• Total profit: $-35,406
• Equity at exit: $33,548

10-year hold

• IRR: -7.5%
• Equity multiple: 0.53×
• Total profit: $-29,729
• Equity at exit: $19,454

Cash invested: $63,000 (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 35761

• Home prices YoY: -9.3%
• Active inventory: 393
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,748 medium
• Mortgage (P&I): −$1,180
• Tax from tax record: −$89 /mo · $1,071/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $18

Break-even live

Break-even rent $1,725

Max offer price $225,000

Occupancy floor 94%

Sensitivity live

Price	-10% $145	-5% $82	+0% $18	+5% $-46	+10% $-109
Rent	-10% $-120	-5% $-51	+0% $18	+5% $87	+10% $156
Rate	-1.0pp $131	-0.5pp $75	base $18	+0.5pp $-40	+1.0pp $-100

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-05-18
   status Pending 497-char remark
2. 2026-05-14
   listed $1,350
3. 2026-05-12
   listed $225,000 Active 497-char remark
4. 2021-01-12
   soldstatus $120,000
5. 2021-01-11
   soldstatus $120,000 Sold 130-char remark

   Show marketing remark (130 chars)

   Great home located in Bristol Ridge subdivision. Gas log fireplace with trey ceiling and isolated master. This home is a must see!

6. 2020-12-14
   listed $130,000 130-char remark

   Show marketing remark (130 chars)

   Great home located in Bristol Ridge subdivision. Gas log fireplace with trey ceiling and isolated master. This home is a must see!

ⓘ 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: $1,071 · $89/mo
• Projected year-2 tax: $1,071 · $89/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 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,976
• − Mortgage interest: −$12,603
• − Property taxes: −$1,071
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,678
• − Management: −$1,678
• − Depreciation: −$6,545
• Taxable loss: −$3,725
• Est. tax savings @ 24.0%: +$894
• After-tax cash flow: $1,110/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: Madison County
• NCES district ID: 0102220
• Math proficiency: 27% ▼ -32.00%
• Reading proficiency: 56% ▼ -1.00%
• Median HH income: $66,058
• Composite: 37.15/100
• National rank: #4483
• State rank: #19 of 129 in AL

Livability — Hazel Green

• Score: 69/100
• State rank: #54
• US rank: #8575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Madison County · 380,832 people
• City population: 13,413
• Metro: Huntsville, AL
• Population (ZIP): 13,557
• Household income: $79,440
• Rent vs Own: 17.5% rent · 82.5% own
• Severe rent burden: 220.0

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: Predominantly White (76%)
• Race & ethnicity: White 76% Black 15% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 3% Serbian 2% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 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: ▼ -26.88%
• Current HPI: 261.8281
• Rent YoY: —
• 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

-99.0% since first listed

7 events — show timeline

• 2026-05-22 Rental Removed $1,350 TENANTTURNER2
• 2026-05-18 Pending — VMLS
• 2026-05-14 Listed for Rent $1,350 TENANTTURNER2
• 2026-05-12 Listed $225,000 VMLS
• 2021-01-12 Sold (Public Records) $120,000 Public Records
• 2021-01-11 Sold (MLS) $120,000 VMLS
• 2020-12-14 Listed $130,000 VMLS

Property tax history

+3.9%/yr

Latest (2024): $1,071 · +6.8% YoY. Source: county tax records.