2111 Capitol Ave · Montgomery, AL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 7/10 · Major
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 80.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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 +20.2/30.0
- DSCR +6.4/10.0
- 1% rule +4.5/10.0
- Rent growth +3.8/5.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- Schools +1.7/10.0
- ARV discount +0.4/15.0
- Appreciation +0.0/10.0
$137,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
ABSOLUTELY CHARMING!!! Historic Cloverdale character + beautifully refreshed interiors = TOTAL WOW HOME!!! This is the one!!! From the moment you arrive, the curb appeal pulls you in—a classic bungalow façade, inviting covered front porch, and the kind of timeless Southern charm buyers are searching for. Step inside to the soaring ceilings, gorgeous hardwood floors, oversized windows, and beautiful natural light pouring throughout the home. The living spaces are stunning—warm, welcoming, and full of architectural detail. The spacious front living room is centered around a gorgeous decorative fireplace with built-ins, creating the perfect place to relax or entertain. The dining room is equally impressive, with elegant trim details, statement lighting, and a seamless flow into the beautifully updated kitchen. And the kitchen… WOW!!! A bright, crisp, beautifully refreshed space featuring classic white cabinetry, stylish black hardware, stainless steel appliances, updated counters, and timeless subway tile backsplash. It perfectly blends modern function with the home’s original character. There is abundant cabinet storage, generous prep space, and a layout that simply works. The bedrooms are spacious, bright, and inviting with beautiful hardwood floors, tall ceilings, and classic trim details. The primary suite feels warm and peaceful, while the bathrooms offer a fresh, clean look. And let’s talk about the porch… WOW!!! The classic covered Southern front porch is a true showpiece—perfect for morning coffee, evening conversations, or simply enjoying the neighborhood charm. Location is incredible—set in one of Montgomery’s most beloved historic neighborhoods, just minutes from downtown, Maxwell, parks, shopping, restaurants, and everything Cloverdale and Old Alabama Town have to offer. Homes with this level of preserved character, updated finishes, and undeniable charm rarely hit the market in this condition—this is a rare opportunity and it will go FAST!!!
Key facts
- Covered front porch
- Decorative fireplace
- Updated kitchen
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.0-bath single-family listed at $138k.
Deal economics
- At list price, monthly cash flow is $174 ($2k/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 $131k (4.7% below list).
- Recommended offer: $130k (6.0% below list) — sets the bar for market timing.
- Cap rate 7.8% vs local median 6.0% in Montgomery — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
Location & tenants
- Location reads 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities D-.
- Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Morningview Elementary School (math 0% / reading 15%, grade F, #598 of 627 statewide, top 96%, 448 students, 86% FRL); Capitol Heights Middle School (math 0% / reading 15%, grade F, #241 of 257 statewide, top 95%, 655 students, 97% FRL); Lee High School (math 2% / reading 8%, grade F, #276 of 305 statewide, top 95%, 1,374 students, 86% FRL) — zoned schools average 89% FRL vs 70% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Zoned-school proficiency averages 7% at this address vs 20% district-wide (-13 pts) — the specific schools serving this property underperform the Montgomery County average; the district grade overstates school quality for this exact location.
- Market conditions: Rents rising fast (+5.0%/yr); 67 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).
- At $1,314/mo this rent would consume 49% of the median local household income ($32k/yr) (locally 642% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $953 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Montgomery County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
Negotiation context
- It's been on market 70 days — a 6% lower offer ($130k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts 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 1925 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe wind risk, 80% 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.
Questions for the listing agent
- It's been on market 70 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 0.95% ✗
- Cap rate
- 7.81%
- Cash-on-cash
- 5.41%
- DSCR
- 1.24
- GRM
- 8.7
CMA / ARV
- ARV (median comp)
- $119,029
- List price
- $137,900
- Delta
- 15.85%
- Verdict
- OVERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2219 St Charles Ave | 0.23mi | 3/2.0 (-1) | 1,736 (+0%) | 2mo | $155,000 | $89 | 78 |
| 2134 Winona Ave | 0.23mi | 3/1.0 (-1) | 1,664 (-4%) | 1mo | $101,700 | $61 | 77 |
| 1807 St Charles Ave | 0.35mi | 4/2.0 | 1,736 (+0%) | 2mo | $65,500 | $38 | 77 |
| 1839 James Ave | 0.25mi | 3/1.0 (-1) | 1,520 (-12%) | 4mo | $50,000 | $33 | 60 |
| 2627 Geneva St | 0.31mi | 4/2.0 | 1,526 (-12%) | 4mo | $83,000 | $54 | 59 |
| 2311 Mccarter Ave | 0.63mi | 3/2.0 (-1) | 1,765 (+2%) | 0mo | $64,000 | $36 | 58 |
| 446 Buford St | 0.39mi | 3/1.0 (-1) | 1,899 (+10%) | 4mo | $108,000 | $57 | 57 |
| 2129 Windsor Ave | 0.46mi | 3/1.0 (-1) | 1,585 (-8%) | 5mo | $135,000 | $85 | 55 |
| 559 Capitol Parkway Ct | 0.69mi | 4/1.0 | 1,628 (-6%) | 4mo | $90,000 | $55 | 54 |
| 20 Arden Rd | 0.57mi | 3/2.0 (-1) | 1,575 (-9%) | 1mo | $165,000 | $105 | 49 |
| 13 Brantwood Dr | 0.61mi | 3/2.5 (-1) | 1,909 (+10%) | 1mo | $118,000 | $62 | 43 |
| 524 Morningview Dr | 0.62mi | 3/1.0 (-1) | 1,518 (-12%) | 5mo | $103,000 | $68 | 42 |
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 · 5.05% rent growth · sell at horizon
- IRR
- -5.8%
- Equity multiple
- 0.78×
- Total profit
- $-8,528
- Equity at exit
- $20,561
- IRR
- 6.0%
- Equity multiple
- 1.48×
- Total profit
- $18,545
- Equity at exit
- $11,923
Cash invested: $38,612 (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
ZIP-level market 36107
- Home prices YoY
- -10.9%
- Rents YoY
- 5.0%
- Active inventory
- 67
- Price-to-rent
- 8.7×
Monthly cashflow live
- Estimated rent
- $1,314 high interval (Pro) →
- Mortgage (P&I)
- −$723
- Tax from tax record
- −$84 /mo · $1,002/yr
- Insurance
- −$57
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$276
- Net cashflow
- $174
Break-even live
Sensitivity live
| Price | -10% $252 | -5% $213 | +0% $174 | +5% $135 | +10% $96 |
|---|---|---|---|---|---|
| Rent | -10% $70 | -5% $122 | +0% $174 | +5% $226 | +10% $278 |
| Rate | -1.0pp $244 | -0.5pp $209 | base $174 | +0.5pp $138 | +1.0pp $102 |
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
- $34,475
- Closing costs
- $4,137
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 32 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2004 Capitol Ave Unit 1043879P Montgomery, AL | 4.0 | 2.5 | 1797 | $3,518 | $1.96 | 15d | 1 | 0.11mi |
| 2113 Brewton St Montgomery, AL | 3.0 | 1.0 | 1363 | $1,150 | $0.84 | 45d | 1 | 0.16mi |
| 2243 Winona Ave Montgomery, AL | 3.0 | 1.0 | 1492 | $1,225 | $0.82 | 23d | 1 | 0.29mi |
| 2009 Yancey Ave Montgomery, AL | 3.0 | 1.0 | 1140 | $1,080 | $0.95 | 23d | 1 | 0.29mi |
| 2310 Yancey Ave Montgomery, AL | 3.0 | 1.0 | 1212 | $1,250 | $1.03 | 45d | 1 | 0.35mi |
| 128 S Capitol Pkwy Montgomery, AL | 3.0 | 1.0 | 1550 | $1,500 | $0.97 | 45d | 1 | 0.46mi |
| 2009 Palmetto St Montgomery, AL | 3.0 | 1.0 | 1487 | $1,050 | $0.71 | 45d | 1 | 0.48mi |
| 15 Bradley Dr Montgomery, AL | 3.0 | 2.0 | 1365 | $1,500 | $1.10 | 23d | 1 | 0.58mi |
| 7 Bradley Dr Montgomery, AL | 3.0 | 2.0 | 1529 | $1,500 | $0.98 | 15d | 1 | 0.58mi |
| 18 Oak Forest Dr Montgomery, AL | 3.0 | 2.0 | 1580 | $1,050 | $0.66 | 23d | 1 | 0.62mi |
| 122 Oak Forest Dr Montgomery, AL | 3.0 | 1.0 | 1092 | $975 | $0.89 | 23d | 1 | 0.66mi |
| 311 Bradley Dr Montgomery, AL | 3.0 | 1.0 | 1104 | $825 | $0.75 | 45d | 1 | 0.71mi |
| 2769 Pelzer Ave Montgomery, AL | 3.0 | 2.0 | 1608 | $1,325 | $0.82 | 45d | 1 | 0.80mi |
| 2814 Ashley Ave Montgomery, AL | 3.0 | 2.0 | 1683 | $1,350 | $0.80 | 15d | 1 | 0.94mi |
| 1008 Pelham St Montgomery, AL | 4.0 | 2.0 | 1288 | $1,300 | $1.01 | 45d | 1 | 0.98mi |
| 401 Ridgewood Ln Montgomery, AL | 3.0 | 2.0 | 1513 | $1,195 | $0.79 | 23d | 1 | 0.99mi |
| 2822 Sumter Ave Montgomery, AL | 3.0 | 2.5 | 1617 | $1,300 | $0.80 | 23d | 1 | 1.07mi |
| 3329 Vermont Dr Montgomery, AL | 3.0 | 1.5 | 1465 | $1,395 | $0.95 | 15d | 1 | 1.09mi |
| 3233 Hillcrest Ln Montgomery, AL | 3.0 | 2.0 | 1278 | $1,395 | $1.09 | 23d | 1 | 1.10mi |
| 200 Eton Rd Montgomery, AL | 3.0 | 1.5 | 1500 | $895 | $0.60 | 15d | 1 | 1.16mi |
| 167 E Salem Dr Montgomery, AL | 3.0 | 2.0 | 1700 | $1,050 | $0.62 | 45d | 1 | 1.16mi |
| 67 Holliday Dr Montgomery, AL | 3.0 | 1.0 | 1156 | $1,200 | $1.04 | 45d | 1 | 1.19mi |
| 239 Forest Hills Dr Montgomery, AL | 4.0 | 1.5 | 1500 | $1,450 | $0.97 | 23d | 1 | 1.20mi |
| 3136 Harrison Rd Montgomery, AL | 3.0 | 1.5 | 1355 | $1,025 | $0.76 | 45d | 1 | 1.20mi |
| 3309 Hillcrest Ln Unit 1043908P Montgomery, AL | 4.0 | 2.0 | 1625 | $2,885 | $1.78 | 23d | 1 | 1.23mi |
| 2001 Speigle St Montgomery, AL | 3.0 | 1.0 | 1260 | $1,035 | $0.82 | 45d | 1 | 1.23mi |
| 3105 Pelzer Ave Montgomery, AL | 4.0 | 2.0 | 1605 | $1,425 | $0.89 | 45d | 1 | 1.25mi |
| 3515 Cottonwood Dr Montgomery, AL | 3.0 | 1.5 | 1246 | $1,350 | $1.08 | 45d | 1 | 1.30mi |
| 926 Green Ridge Ct Montgomery, AL | 3.0 | 2.0 | 1665 | $1,381 | $0.83 | 15d | 1 | 1.42mi |
| 2043 Hazel Hedge Ln Montgomery, AL | 4.0 | 3.0 | 2001 | $1,650 | $0.82 | 15d | 1 | 1.45mi |
| 3323 Bedford Ln Montgomery, AL | 3.0 | 2.0 | 1134 | $1,200 | $1.06 | 23d | 1 | 1.45mi |
| 2019 Amos St Montgomery, AL | 3.0 | 1.5 | 1134 | $985 | $0.87 | 45d | 1 | 1.47mi |
Listing history 19 events
-
2026-06-21days on market $137,900 Active 70 DOM
-
2026-06-18days on market $137,900 Active 67 DOM
-
2026-06-17days on market $137,900 Active 66 DOM
-
2026-06-16days on market $137,900 Active 65 DOM
-
2026-06-15days on market $137,900 Active 64 DOM
-
2026-06-14days on market $137,900 Active 62 DOM
-
2026-06-13days on market $137,900 Active 61 DOM
-
2026-06-10days on market $137,900 Active 59 DOM
-
2026-06-09days on market $137,900 Active 58 DOM
-
2026-06-08days on market $137,900 Active 57 DOM
-
2026-06-07days on market $137,900 Active 56 DOM
-
2026-06-03days on market $137,900 Active 52 DOM
-
2026-06-02days on market $137,900 Active 51 DOM
-
2026-06-01days on market $137,900 Active 50 DOM
-
2026-05-31days on market $137,900 Active 49 DOM
-
2026-05-30pricedays on market $137,900 Active 48 DOM
-
2026-05-02status Active 2054-char remark
Show marketing remark (2054 chars)
ABSOLUTELY CHARMING!!! Historic Cloverdale character + beautifully refreshed interiors = TOTAL WOW HOME!!! This is the one!!! From the moment you arrive, the curb appeal pulls you in—a classic bungalow façade, inviting covered front porch, and the kind of timeless Southern charm buyers are searching for. Step inside to the soaring ceilings, gorgeous hardwood floors, oversized windows, and beautiful natural light pouring throughout the home. The living spaces are stunning—warm, welcoming, and full of architectural detail. The spacious front living room is centered around a gorgeous decorative fireplace with built-ins, creating the perfect place to relax or entertain. The dining room is equally impressive, with elegant trim details, statement lighting, and a seamless flow into the beautifully updated kitchen. And the kitchen… WOW!!! A bright, crisp, beautifully refreshed space featuring classic white cabinetry, stylish black hardware, stainless steel appliances, updated counters, and timeless subway tile backsplash. It perfectly blends modern function with the home’s original character. There is abundant cabinet storage, generous prep space, and a layout that simply works. The bedrooms are spacious, bright, and inviting with beautiful hardwood floors, tall ceilings, and classic trim details. The primary suite feels warm and peaceful, while the bathrooms offer a fresh, clean look. And let’s talk about the porch… WOW!!! The classic covered Southern front porch is a true showpiece—perfect for morning coffee, evening conversations, or simply enjoying the neighborhood charm. Location is incredible—set in one of Montgomery’s most beloved historic neighborhoods, just minutes from downtown, Maxwell, parks, shopping, restaurants, and everything Cloverdale and Old Alabama Town have to offer. Homes with this level of preserved character, updated finishes, and undeniable charm rarely hit the market in this condition—this is a rare opportunity and it will go FAST!!!
-
2026-04-23historical Contingent 2054-char remark
Show marketing remark (2054 chars)
ABSOLUTELY CHARMING!!! Historic Cloverdale character + beautifully refreshed interiors = TOTAL WOW HOME!!! This is the one!!! From the moment you arrive, the curb appeal pulls you in—a classic bungalow façade, inviting covered front porch, and the kind of timeless Southern charm buyers are searching for. Step inside to the soaring ceilings, gorgeous hardwood floors, oversized windows, and beautiful natural light pouring throughout the home. The living spaces are stunning—warm, welcoming, and full of architectural detail. The spacious front living room is centered around a gorgeous decorative fireplace with built-ins, creating the perfect place to relax or entertain. The dining room is equally impressive, with elegant trim details, statement lighting, and a seamless flow into the beautifully updated kitchen. And the kitchen… WOW!!! A bright, crisp, beautifully refreshed space featuring classic white cabinetry, stylish black hardware, stainless steel appliances, updated counters, and timeless subway tile backsplash. It perfectly blends modern function with the home’s original character. There is abundant cabinet storage, generous prep space, and a layout that simply works. The bedrooms are spacious, bright, and inviting with beautiful hardwood floors, tall ceilings, and classic trim details. The primary suite feels warm and peaceful, while the bathrooms offer a fresh, clean look. And let’s talk about the porch… WOW!!! The classic covered Southern front porch is a true showpiece—perfect for morning coffee, evening conversations, or simply enjoying the neighborhood charm. Location is incredible—set in one of Montgomery’s most beloved historic neighborhoods, just minutes from downtown, Maxwell, parks, shopping, restaurants, and everything Cloverdale and Old Alabama Town have to offer. Homes with this level of preserved character, updated finishes, and undeniable charm rarely hit the market in this condition—this is a rare opportunity and it will go FAST!!!
-
2026-04-10$139,900 Active 2054-char remark
Show marketing remark (2054 chars)
ABSOLUTELY CHARMING!!! Historic Cloverdale character + beautifully refreshed interiors = TOTAL WOW HOME!!! This is the one!!! From the moment you arrive, the curb appeal pulls you in—a classic bungalow façade, inviting covered front porch, and the kind of timeless Southern charm buyers are searching for. Step inside to the soaring ceilings, gorgeous hardwood floors, oversized windows, and beautiful natural light pouring throughout the home. The living spaces are stunning—warm, welcoming, and full of architectural detail. The spacious front living room is centered around a gorgeous decorative fireplace with built-ins, creating the perfect place to relax or entertain. The dining room is equally impressive, with elegant trim details, statement lighting, and a seamless flow into the beautifully updated kitchen. And the kitchen… WOW!!! A bright, crisp, beautifully refreshed space featuring classic white cabinetry, stylish black hardware, stainless steel appliances, updated counters, and timeless subway tile backsplash. It perfectly blends modern function with the home’s original character. There is abundant cabinet storage, generous prep space, and a layout that simply works. The bedrooms are spacious, bright, and inviting with beautiful hardwood floors, tall ceilings, and classic trim details. The primary suite feels warm and peaceful, while the bathrooms offer a fresh, clean look. And let’s talk about the porch… WOW!!! The classic covered Southern front porch is a true showpiece—perfect for morning coffee, evening conversations, or simply enjoying the neighborhood charm. Location is incredible—set in one of Montgomery’s most beloved historic neighborhoods, just minutes from downtown, Maxwell, parks, shopping, restaurants, and everything Cloverdale and Old Alabama Town have to offer. Homes with this level of preserved character, updated finishes, and undeniable charm rarely hit the market in this condition—this is a rare opportunity and it will go FAST!!!
ⓘ 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
- $1,002 · $84/mo
- Projected year-2 tax
- $1,002 · $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 1/10 Low
- Heat 7/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
- Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $15,770
- − Mortgage interest
- −$7,725
- − Property taxes
- −$1,002
- − Insurance
- −$690
- − Repairs & maintenance
- −$1,262
- − Management
- −$1,262
- − Depreciation
- −$4,012
- Taxable loss
- −$181
- Est. tax savings @ 24.0%
- +$43
- After-tax cash flow
- $2,132/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
- Montgomery County
- NCES district ID
- 0102430
- Math proficiency
- 9% ▼ -21.00%
- Reading proficiency
- 31% ▼ -1.00%
- Median HH income
- $43,902
- Composite
- 17.24/100
- National rank
- #9093
- State rank
- #106 of 129 in AL
Livability — Montgomery
- Score
- 65/100
- State rank
- #138
- US rank
- #13416
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Montgomery, AL
- County
- Montgomery County · 190,016 people
- City population
- 175,913
- Metro
- Montgomery, AL
- Population (ZIP)
- 8,001
- Household income
- $32,492
- Rent vs Own
- Severe rent burden
- 642.0
Population outlook (Montgomery County) Hauer SSP2
- Today (2025)
- 224,008 people
- By 2030
- 221,460 · -1.1%
- By 2040
- 214,179 · -4.4%
- By 2050
- 204,912 · -8.5%
- By 2075
- 177,821 · -20.6%
- By 2100
- 145,134 · -35.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.69)
- Race & ethnicity
- Black 43% White 27% Hispanic / Latino 23% Two or more races 20%
- Hispanic origin (detail)
- Mexican 8% Cuban 3%
- Common ancestry
- Slovak 1% Iranian 1% Serbian 1%
- Foreign-born
- 11% · Canada
- Languages at home
- 83% English-only · Spanish 13%
Political lean MEDSL · Montgomery
- 2024 margin
- Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
- 2008→2024 swing
- +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
- All cycles
- 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -18.16%
- Current HPI
- 147.8065
- Rent YoY
- ▲ 5.05%
- Metro
- Montgomery, 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
3 events — show timeline
- 2026-05-02 Relisted — MAAR
- 2026-04-23 Contingent — MAAR
- 2026-04-10 Listed $139,900 MAAR
Property tax history
+12.6%/yrLatest (2025): $1,002 · +305.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…