19130 East Limestone Rd · Huntsville, AL 35613

$275,000

3 bd · 1.0 ba · 1,424 sqft · SingleFamily public records · 94 Days on market

Built 1987 0.55 ac lot $193/sqft · 8% above area Est $303k · 9% under

---

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).

• ARV discount +11.7/15.0
• Cash flow +11.3/30.0
• Livability +4.1/5.0
• DSCR +3.3/10.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

*HOME WARRANTY* Welcome home to this beautifully maintained 3-bedroom, 2-bathroom ranch nestled on a generous 0.55-acre lot. NO HOA! Offering the perfect blend of comfort and functionality, Step inside to find a warm and inviting layout with durable LVP flooring throughout the main living areas. The spacious living room features a cozy fireplace and flows seamlessly into the kitchen and dining area creating an open and comfortable atmosphere for gatherings. Enjoy a fenced in backyard with a great patio spaace for entertaining and relaxing. ROOF 2024 and STORM SHELTER in garage. Convenient location-East Limestone Schools.

Key facts

• Fenced in backyard
• Storm shelter
• Patio space

Tags

• FENCED IN BACKYARD
• PATIO SPACE
• STORM SHELTER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $-99 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $258k (6.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $192k (30.3% below list).
• Recommended offer: $192k (30.3% below list) — sets the bar for 1% rule.
• Cap rate 5.9% 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.
• Limestone County (rural): math 21% / reading 44% proficiency, ranked #52 of 129 in AL (top 40%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 808 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 494 units permitted in Limestone County in 2024 (0 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 $8k of value loss. Plan a longer hold.
• Limestone County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 94 days — a 9% lower offer ($250k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $23k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $191,556 (30.3% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 94 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
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. 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?
7. 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.
8. 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.
9. 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: 0.70% ✗
• Cap rate: 5.86%
• Cash-on-cash: -1.54%
• DSCR: 0.93
• GRM: 12.0

CMA / ARV

• ARV (median comp): $302,974
• List price: $275,000
• Delta: -9.23%
• 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
18418 Upland Trl	0.72mi	3/2.0	1,384 (-3%)	2mo	$235,000	$170	56
28043 Copeland Rd	0.38mi	3/2.0	1,521 (+7%)	15mo	$238,000	$156	54
27945 Copeland Rd	0.29mi	3/2.0	1,600 (+12%)	10mo	$200,000	$125	54
19717 Olivia Ln	0.59mi	3/2.0	1,420 (-0%)	21mo	$265,000	$187	50
18433 Whitetail Ln	0.75mi	3/2.0	1,326 (-7%)	1mo	$200,000	$151	49
19708 East Limestone Rd	0.56mi	3/2.0	1,265 (-11%)	3mo	$244,900	$194	48
27436 Ed Ray Rd	0.65mi	3/2.0	1,350 (-5%)	15mo	$227,000	$168	45
27665 Mistic Dawn Dr	0.56mi	3/2.0	1,331 (-6%)	21mo	$250,000	$188	42
27052 Village Dr	0.58mi	3/2.0	1,570 (+10%)	14mo	$229,000	$146	40
18788 Wells Rd	0.62mi	3/2.0	1,578 (+11%)	13mo	$250,000	$158	39
18429 East Limestone Rd	0.71mi	3/2.0	1,311 (-8%)	15mo	$249,000	$190	38
19738 E Limestone Rd	0.59mi	3/2.0	1,567 (+10%)	20mo	$257,500	$164	35

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: -18.9%
• Equity multiple: 0.34×
• Total profit: $-51,012
• Equity at exit: $41,003

10-year hold

• IRR: -11.6%
• Equity multiple: 0.31×
• Total profit: $-53,138
• Equity at exit: $23,777

Cash invested: $77,000 (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 35613

• Home prices YoY: -33.9%
• Active inventory: 808
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $1,916 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$56 /mo · $666/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$402
• Net cashflow: $-99

Break-even live

Break-even rent $2,041

Max offer price $257,519

Occupancy floor —

Sensitivity live

Price	-10% $57	-5% $-21	+0% $-99	+5% $-177	+10% $-255
Rent	-10% $-250	-5% $-175	+0% $-99	+5% $-23	+10% $52
Rate	-1.0pp $40	-0.5pp $-29	base $-99	+0.5pp $-170	+1.0pp $-243

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
27657 Phillip Wagnon Dr Athens, AL	3.0	2.0	1360	$1,750	$1.29	15d	1	0.91mi
27846 Phillip Wagnon Dr Athens, AL	4.0	2.0	1875	$2,000	$1.07	24d	1	0.98mi
18201 Menefee Rd Athens, AL	3.0	2.0	1665	$1,600	$0.96	15d	1	1.00mi

Listing history 24 events

1. 2026-06-18
   days on market $275,000 Active 94 DOM
2. 2026-06-17
   days on market $275,000 Active 93 DOM
3. 2026-06-16
   days on market $275,000 Active 92 DOM
4. 2026-06-15
   price $275,000 Active 91 DOM
5. 2026-06-15
   days on market $283,500 Active 91 DOM
6. 2026-06-14
   days on market $283,500 Active 89 DOM
7. 2026-06-10
   days on market $283,500 Active 86 DOM
8. 2026-06-09
   days on market $283,500 Active 85 DOM
9. 2026-06-08
   days on market $283,500 Active 84 DOM
10. 2026-06-07
    days on market $283,500 Active 83 DOM
11. 2026-06-05
    days on market $283,500 Active 80 DOM
12. 2026-06-03
    days on market $283,500 Active 79 DOM
13. 2026-06-02
    days on market $283,500 Active 78 DOM
14. 2026-06-01
    days on market $283,500 Active 77 DOM
15. 2026-05-31
    days on market $283,500 Active 76 DOM
16. 2026-05-30
    days on market $283,500 Active 75 DOM
17. 2026-04-25
    price $287,000 628-char remark

    Show marketing remark (628 chars)

    *HOME WARRANTY* Welcome home to this beautifully maintained 3-bedroom, 2-bathroom ranch nestled on a generous 0.55-acre lot. NO HOA! Offering the perfect blend of comfort and functionality, Step inside to find a warm and inviting layout with durable LVP flooring throughout the main living areas. The spacious living room features a cozy fireplace and flows seamlessly into the kitchen and dining area creating an open and comfortable atmosphere for gatherings. Enjoy a fenced in backyard with a great patio spaace for entertaining and relaxing. ROOF 2024 and STORM SHELTER in garage. Convenient location-East Limestone Schools.

18. 2026-03-30
    price $293,000 628-char remark

    Show marketing remark (628 chars)

    *HOME WARRANTY* Welcome home to this beautifully maintained 3-bedroom, 2-bathroom ranch nestled on a generous 0.55-acre lot. NO HOA! Offering the perfect blend of comfort and functionality, Step inside to find a warm and inviting layout with durable LVP flooring throughout the main living areas. The spacious living room features a cozy fireplace and flows seamlessly into the kitchen and dining area creating an open and comfortable atmosphere for gatherings. Enjoy a fenced in backyard with a great patio spaace for entertaining and relaxing. ROOF 2024 and STORM SHELTER in garage. Convenient location-East Limestone Schools.

19. 2026-03-16
    listed $298,000 Active 628-char remark

    Show marketing remark (628 chars)

    *HOME WARRANTY* Welcome home to this beautifully maintained 3-bedroom, 2-bathroom ranch nestled on a generous 0.55-acre lot. NO HOA! Offering the perfect blend of comfort and functionality, Step inside to find a warm and inviting layout with durable LVP flooring throughout the main living areas. The spacious living room features a cozy fireplace and flows seamlessly into the kitchen and dining area creating an open and comfortable atmosphere for gatherings. Enjoy a fenced in backyard with a great patio spaace for entertaining and relaxing. ROOF 2024 and STORM SHELTER in garage. Convenient location-East Limestone Schools.

20. 2024-10-03
    soldstatus $283,000
21. 2024-10-01
    soldstatus $279,000 Sold 283-char remark

    Show marketing remark (283 chars)

    This charming 3-bedroom, 2-bathroom home is nestled on a spacious 0.55-acre lot. The property boasts a well-maintained fenced-in backyard, perfect for privacy and outdoor activities. The home offers a comfortable living space, ideal for a family or anyone seeking a peaceful retreat.

22. 2024-09-06
    status Pending 283-char remark

    Show marketing remark (283 chars)

    This charming 3-bedroom, 2-bathroom home is nestled on a spacious 0.55-acre lot. The property boasts a well-maintained fenced-in backyard, perfect for privacy and outdoor activities. The home offers a comfortable living space, ideal for a family or anyone seeking a peaceful retreat.

23. 2024-08-14
    listed $285,000 Active 283-char remark

    Show marketing remark (283 chars)

    This charming 3-bedroom, 2-bathroom home is nestled on a spacious 0.55-acre lot. The property boasts a well-maintained fenced-in backyard, perfect for privacy and outdoor activities. The home offers a comfortable living space, ideal for a family or anyone seeking a peaceful retreat.

24. 2018-10-24
    soldstatus $240,500

ⓘ 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: $666 · $56/mo
• Projected year-2 tax: $1,128 · $94/mo
• Expected delta: +$461/yr (+$38/mo · 69.2%)

ⓘ 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 ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 22% 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: $22,987
• − Mortgage interest: −$15,404
• − Property taxes: −$666
• − Insurance: −$1,375
• − Repairs & maintenance: −$1,839
• − Management: −$1,839
• − Depreciation: −$8,000
• Taxable loss: −$6,137
• Est. tax savings @ 24.0%: +$1,473
• After-tax cash flow: $285/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: Limestone County
• NCES district ID: 0102100
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 44% ▼ -3.00%
• Median HH income: $48,972
• Composite: 28.09/100
• National rank: #6829
• State rank: #52 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

• County: Limestone County · 80,439 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 25,523
• Household income: $100,845
• Rent vs Own: 13.3% rent · 86.7% own
• Severe rent burden: 118.0

Population outlook (Limestone County) Hauer SSP2

• Today (2025): 111,441 people
• By 2030: 121,272 · +8.8%
• By 2040: 140,705 · +26.3%
• By 2050: 159,069 · +42.7%
• By 2075: 202,231 · +81.5%
• By 2100: 230,608 · +106.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Black 7% Hispanic / Latino 5% Two or more races 5%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 3% Lithuanian 2% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3% Vietnamese 1%

Political lean MEDSL · Limestone

• 2024 margin: Solid R (+43.9) · D 27.5% · R 71.4% · Other 1.2%
• 2008→2024 swing: -2.0pp toward R · 2008: -41.9pp · 2024: -43.9pp
• All cycles: 2024: R+43.9 2020: R+42.6 2016: R+49.5 2012: R+43.6 2008: R+41.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.56%
• Current HPI: 173.0763
• 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

+19.3% since first listed

8 events — show timeline

• 2026-04-25 Price Changed $287,000 VMLS
• 2026-03-30 Price Changed $293,000 VMLS
• 2026-03-16 Listed $298,000 VMLS
• 2024-10-03 Sold (Public Records) $283,000 Public Records
• 2024-10-01 Sold (MLS) $279,000 VMLS
• 2024-09-06 Pending — VMLS
• 2024-08-14 Listed $285,000 VMLS
• 2018-10-24 Sold (Public Records) $240,500 Public Records

Property tax history

+6.6%/yr

Latest (2025): $666 · +23.5% YoY. Source: county tax records.