300 Whispering Pnes · Enterprise, AL 36330

$165,000

3 bd · 1.0 ba · 1,161 sqft · SingleFamily public records · 17 Days on market

Built 1965 0.40 ac lot $142/sqft · 8% below area Est $179k · 8% under

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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 +16.4/30.0
• ARV discount +11.0/15.0
• DSCR +5.1/10.0
• Schools +4.3/10.0
• 1% rule +3.6/10.0
• 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

Chain Link, A Great opportunity could be yours with this all brick, 3 bedroom home just minutes from Boll Weevil Circle. The Kitchen has been beautifully updated with new cabinets, counter tops and a center island for extra counter space, wainscoting adds character to a bright open dining area, charming pedestal sinks and vintage tiled bathrooms, separate Laundry Room, built in cabinets in garage for storage. Spacious level lot with mature pecan, peach, lemon, orange and pear trees. Call to see today!,

Key facts

• Shaded backyard
• Large eat in kitchen
• Porch

Tags

• UPDATED HOME
• GENEROUS SIZE FAMILY ROOM
• LARGE EAT IN KITCHEN
• LAUNDRY ROOM
• SHADED BACKYARD
• PORCH

Property features AI

Exterior

• Parking: Attached garage (1 covered parking space, total 1 parking space)
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One level; Brick exterior
• Construction: Brick construction
• Exterior features: Covered patio/porch; On waterfront

Interior

• Kitchen: Dishwasher; Range; Refrigerator; Disposal; Electric water heater
• Flooring: Vinyl
• Bathrooms: 1 full bathroom; 1 half bathroom
• Interior features: Ceiling fans; Walk-in closets; Eat-in kitchen; Double-pane windows
• Laundry & utility: Laundry room inside

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $165k.

Deal economics

• At list price, monthly cash flow is $94 ($1k/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 $141k (14.3% below list).
• Recommended offer: $141k (14.3% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 4.2% 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.
• Zoned schools: Pinedale Elementary School (math 43% / reading 58%, grade D+, #114 of 627 statewide, top 19%, 362 students, 70% FRL); Coppinville School (math 22% / reading 61%, grade F, #53 of 257 statewide, top 20%, 597 students, 54% FRL); Enterprise High School (math 34% / reading 37%, grade F, #45 of 305 statewide, top 14%, 2,117 students, 44% FRL) — zoned schools average 56% FRL vs 38% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.9%/yr); 441 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($163k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 20y 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 $110k; list at $165k implies a 50% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $141,349 (14.3% below list)

Questions for the listing agent

1. Built in 1965 — 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. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.86% ✗
• Cap rate: 6.98%
• Cash-on-cash: 2.45%
• DSCR: 1.11
• GRM: 9.7

CMA / ARV

• ARV (median comp): $179,107
• List price: $165,000
• Delta: -7.88%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
200 Mccormick St	0.62mi	3/1.0	1,081 (-7%)	3mo	$105,000	$97	57
109 Windham St	0.41mi	3/1.0	1,245 (+7%)	16mo	$140,000	$112	55

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: -11.5%
• Equity multiple: 0.58×
• Total profit: $-19,472
• Equity at exit: $24,602

10-year hold

• IRR: -1.2%
• Equity multiple: 0.92×
• Total profit: $-3,922
• Equity at exit: $14,266

Cash invested: $46,200 (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: 441
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,413 medium
• Mortgage (P&I): −$865
• Tax from tax record: −$88 /mo · $1,062/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $94

Break-even live

Break-even rent $1,294

Max offer price $165,000

Occupancy floor 88%

Sensitivity live

Price	-10% $188	-5% $141	+0% $94	+5% $47	+10% $1
Rent	-10% $-18	-5% $38	+0% $94	+5% $150	+10% $206
Rate	-1.0pp $177	-0.5pp $136	base $94	+0.5pp $51	+1.0pp $8

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: $41,250
• Closing costs: $4,950
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
202 Mill Ave Enterprise, AL	3.0	1.0	980	$875	$0.89	44d	1	1.06mi

Listing history 15 events

1. 2026-05-13
   status Pending 386-char remark
2. 2026-05-05
   status Active 386-char remark
3. 2026-05-01
   status Pending 386-char remark
4. 2026-04-23
   listed $165,000 Active 386-char remark
5. 2023-03-20
   soldstatus $110,000
6. 2021-11-23
   soldstatus $90,000
7. 2016-10-28
   soldstatus $73,000 507-char remark

   Show marketing remark (507 chars)

   Chain Link, A Great opportunity could be yours with this all brick, 3 bedroom home just minutes from Boll Weevil Circle. The Kitchen has been beautifully updated with new cabinets, counter tops and a center island for extra counter space, wainscoting adds character to a bright open dining area, charming pedestal sinks and vintage tiled bathrooms, separate Laundry Room, built in cabinets in garage for storage. Spacious level lot with mature pecan, peach, lemon, orange and pear trees. Call to see today!,

8. 2016-10-28
   soldstatus $73,000 507-char remark

   Show marketing remark (507 chars)

   Chain Link, A Great opportunity could be yours with this all brick, 3 bedroom home just minutes from Boll Weevil Circle. The Kitchen has been beautifully updated with new cabinets, counter tops and a center island for extra counter space, wainscoting adds character to a bright open dining area, charming pedestal sinks and vintage tiled bathrooms, separate Laundry Room, built in cabinets in garage for storage. Spacious level lot with mature pecan, peach, lemon, orange and pear trees. Call to see today!,

9. 2016-06-24
   listed $79,000 507-char remark

   Show marketing remark (507 chars)

   Chain Link, A Great opportunity could be yours with this all brick, 3 bedroom home just minutes from Boll Weevil Circle. The Kitchen has been beautifully updated with new cabinets, counter tops and a center island for extra counter space, wainscoting adds character to a bright open dining area, charming pedestal sinks and vintage tiled bathrooms, separate Laundry Room, built in cabinets in garage for storage. Spacious level lot with mature pecan, peach, lemon, orange and pear trees. Call to see today!,

10. 2016-06-24
    listed $79,000 507-char remark

    Show marketing remark (507 chars)

    Chain Link, A Great opportunity could be yours with this all brick, 3 bedroom home just minutes from Boll Weevil Circle. The Kitchen has been beautifully updated with new cabinets, counter tops and a center island for extra counter space, wainscoting adds character to a bright open dining area, charming pedestal sinks and vintage tiled bathrooms, separate Laundry Room, built in cabinets in garage for storage. Spacious level lot with mature pecan, peach, lemon, orange and pear trees. Call to see today!,

11. 2016-03-24
    listed $85,000
12. 2016-03-24
    listed $85,000
13. 2010-03-15
    soldstatus $90,500
14. 2010-01-28
    listed $90,500
15. 2006-01-16
    listed $75,000

ⓘ 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: $1,062 · $88/mo
• Projected year-2 tax: $1,062 · $88/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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥106°F today · 19 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: $16,962
• − Mortgage interest: −$9,243
• − Property taxes: −$1,062
• − Insurance: −$825
• − Repairs & maintenance: −$1,357
• − Management: −$1,357
• − Depreciation: −$4,800
• Taxable loss: −$1,681
• Est. tax savings @ 24.0%: +$404
• After-tax cash flow: $1,533/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

+120.0% since first listed

17 events — show timeline

• 2026-05-20 Pending — SAMLS
• 2026-05-19 Relisted — SAMLS
• 2026-05-13 Pending — SAMLS
• 2026-05-05 Relisted — SAMLS
• 2026-05-01 Pending — SAMLS
• 2026-04-23 Listed $165,000 SAMLS
• 2023-03-20 Sold (Public Records) $110,000 Public Records
• 2021-11-23 Sold (Public Records) $90,000 Public Records
• 2016-10-28 Sold (MLS) $73,000 WBR
• 2016-10-28 Sold (MLS) $73,000 MAAR
• 2016-06-24 Listed $79,000 WBR
• 2016-06-24 Listed $79,000 MAAR
• 2016-03-24 Listed $85,000 MAAR
• 2016-03-24 Listed $85,000 WBR
• 2010-03-15 Sold (MLS) $90,500 MAAR
• 2010-01-28 Listed $90,500 MAAR
• 2006-01-16 Listed $75,000 MAAR

Property tax history

+10.5%/yr

Latest (2025): $1,062 · +2.7% YoY. Source: county tax records.