2800 Windsor 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
- $507 – $1,088
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
- 19 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 C+ 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 +25.7/30.0
- ARV discount +10.3/15.0
- DSCR +8.6/10.0
- 1% rule +5.7/10.0
- Rent growth +3.2/5.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- Schools +1.7/10.0
- Appreciation +0.0/10.0
$120,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
FIRE YOUR LANDLORD because once you see me, you will be MOVED!!! If its a warm and welcome feeling you are after, step right on in for your personal showing! Located in Capitol Heights area, most will say that I am as adorable as I am spacious. I will let you be the judge! I feature over 1500 sq footage of living space with 3 spacious bedrooms and 1 bath. I have gorgeous hardwood flooring that requires very little maintenance. My updated galley styled kitchen has an abundance of white cabinet space that will surely be delightful to the chef of the family. Located just off of the kitchen is a quaint area that can be used as a media room, study/office, or exercise room. This easily enjoyable area overlooks the backyard and is open to the kitchen. What can I say, but I have all the qualities and characteristics that you don't see in many homes, such as crystal door knobs and a oversized hallway! I really hate to brag on myself so schedule your personal showing and let me know what you think! See you soon!
Key facts
- Oversized hallway
- Crystal door knobs
- 7,840 sq ft lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $120k.
Deal economics
- At list price, monthly cash flow is $286 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $120k).
- Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
- Cap rate 9.2% vs local median 6.0% in Montgomery — 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 (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D, crime F.
- 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.
- Market conditions: Rents rising (+2.6%/yr); 207 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $830 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 287 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 19y ago; this cycle's ask has dropped $15k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $91k; 32% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1934 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe wind risk, 80% 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.
Questions for the listing agent
- It's been on market 287 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1934 — 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?
- 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
- 1.07% ✓
- Cap rate
- 9.16%
- Cash-on-cash
- 10.23%
- DSCR
- 1.46
- GRM
- 7.8
CMA / ARV
- ARV (median comp)
- $128,038
- List price
- $120,000
- Delta
- -6.28%
- 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 |
|---|---|---|---|---|---|---|---|
| 20 Arden Rd | 0.13mi | 3/2.0 | 1,575 (+0%) | 1mo | $165,000 | $105 | 89 |
| 2134 Winona Ave | 0.40mi | 3/1.0 | 1,664 (+6%) | 1mo | $101,700 | $61 | 71 |
| 2311 Mccarter Ave | 0.26mi | 3/2.0 | 1,765 (+12%) | 0mo | $64,000 | $36 | 63 |
| 2219 St Charles Ave | 0.33mi | 3/2.0 | 1,736 (+10%) | 2mo | $155,000 | $89 | 61 |
| 127 Salem Dr | 0.52mi | 3/1.0 | 1,391 (-12%) | 1mo | $118,000 | $85 | 56 |
| 45 Kent St | 0.38mi | 3/1.0 | 1,338 (-15%) | 3mo | $94,000 | $70 | 55 |
| 119 Kent St | 0.39mi | 3/2.0 | 1,785 (+14%) | 1mo | $135,000 | $76 | 54 |
| 47 Salem Dr | 0.50mi | 3/2.0 | 1,419 (-10%) | 3mo | $162,500 | $115 | 54 |
| 1923 Mckinley Ave | 0.56mi | 3/1.5 | 1,354 (-14%) | 1mo | $111,400 | $82 | 48 |
| 3012 Pelzer Ave | 0.53mi | 3/2.0 | 1,790 (+14%) | 0mo | $159,900 | $89 | 48 |
| 1915 Mckinley Ave | 0.58mi | 3/2.0 | 1,384 (-12%) | 3mo | $148,000 | $107 | 46 |
| 1807 St Charles Ave | 0.74mi | 4/2.0 (+1) | 1,736 (+10%) | 2mo | $65,500 | $38 | 38 |
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 · 2.65% rent growth · sell at horizon
- IRR
- -1.3%
- Equity multiple
- 0.95×
- Total profit
- $-1,700
- Equity at exit
- $17,892
- IRR
- 8.0%
- Equity multiple
- 1.60×
- Total profit
- $19,993
- Equity at exit
- $10,375
Cash invested: $33,600 (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 36109
- Home prices YoY
- -20.1%
- Rents YoY
- 2.6%
- Active inventory
- 207
- Price-to-rent
- 7.8×
Monthly cashflow live
- Estimated rent
- $1,279 high interval (Pro) →
- Mortgage (P&I)
- −$629
- Tax from tax record
- −$45 /mo · $536/yr
- Insurance
- −$50
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$269
- Net cashflow
- $286
Break-even live
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
- $30,000
- Closing costs
- $3,600
- 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 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2310 Yancey Ave Montgomery, AL | 3.0 | 1.0 | 1212 | $1,250 | $1.03 | 43d | 1 | 0.19mi |
| 19 Calhoun Rd Unit B Montgomery, AL | 2.0 | 1.0 | 2022 | $795 | $0.39 | 43d | 1 | 0.22mi |
| 2243 Winona Ave Montgomery, AL | 3.0 | 1.0 | 1492 | $1,225 | $0.82 | 20d | 1 | 0.25mi |
| 7 Bradley Dr Montgomery, AL | 3.0 | 2.0 | 1529 | $1,500 | $0.98 | 13d | 1 | 0.27mi |
| 108 Calhoun Rd Unit 108B Montgomery, AL | 2.0 | 1.0 | 1350 | $750 | $0.56 | 43d | 1 | 0.28mi |
| 2769 Pelzer Ave Montgomery, AL | 3.0 | 2.0 | 1608 | $1,325 | $0.82 | 43d | 1 | 0.29mi |
| 15 Bradley Dr Montgomery, AL | 3.0 | 2.0 | 1365 | $1,500 | $1.10 | 20d | 1 | 0.31mi |
| 18 Oak Forest Dr Montgomery, AL | 3.0 | 2.0 | 1580 | $1,050 | $0.66 | 20d | 1 | 0.33mi |
| 2122 Windsor Ave Montgomery, AL | 2.0 | 1.0 | 1052 | $725 | $0.69 | 43d | 1 | 0.36mi |
| 2229 Madison Ave Montgomery, AL | 2.0 | 1.0 | 1100 | $625 | $0.57 | 43d | 1 | 0.37mi |
| 2814 Ashley Ave Montgomery, AL | 3.0 | 2.0 | 1683 | $1,350 | $0.80 | 13d | 1 | 0.43mi |
| 2009 Yancey Ave Montgomery, AL | 3.0 | 1.0 | 1140 | $1,080 | $0.95 | 20d | 1 | 0.49mi |
| 122 Oak Forest Dr Montgomery, AL | 3.0 | 1.0 | 1092 | $975 | $0.89 | 20d | 1 | 0.53mi |
| 2822 Sumter Ave Montgomery, AL | 3.0 | 2.5 | 1617 | $1,300 | $0.80 | 20d | 1 | 0.58mi |
| 2113 Brewton St Montgomery, AL | 3.0 | 1.0 | 1363 | $1,150 | $0.84 | 43d | 1 | 0.61mi |
| 200 Eton Rd Montgomery, AL | 3.0 | 1.5 | 1500 | $895 | $0.60 | 13d | 1 | 0.63mi |
| 2004 Capitol Ave Unit 1043879P Montgomery, AL | 4.0 | 2.5 | 1797 | $3,518 | $1.96 | 13d | 1 | 0.64mi |
| 167 E Salem Dr Montgomery, AL | 3.0 | 2.0 | 1700 | $1,050 | $0.62 | 43d | 1 | 0.65mi |
| 67 Holliday Dr Montgomery, AL | 3.0 | 1.0 | 1156 | $1,200 | $1.04 | 43d | 1 | 0.69mi |
| 311 Bradley Dr Montgomery, AL | 3.0 | 1.0 | 1104 | $825 | $0.75 | 43d | 1 | 0.70mi |
| 3105 Pelzer Ave Montgomery, AL | 4.0 | 2.0 | 1605 | $1,425 | $0.89 | 43d | 1 | 0.73mi |
| 401 Ridgewood Ln Montgomery, AL | 3.0 | 2.0 | 1513 | $1,195 | $0.79 | 20d | 1 | 0.74mi |
| 1827 Capitol Ave Montgomery, AL | 2.0 | 1.0 | 1068 | $1,600 | $1.50 | 43d | 1 | 0.76mi |
| 1827 Capitol Ave Montgomery, AL | 2.0 | 1.0 | 1068 | $1,600 | $1.50 | 13d | 1 | 0.76mi |
| 3329 Vermont Dr Montgomery, AL | 3.0 | 1.5 | 1465 | $1,395 | $0.95 | 13d | 1 | 0.76mi |
| 239 Forest Hills Dr Montgomery, AL | 4.0 | 1.5 | 1500 | $1,450 | $0.97 | 20d | 1 | 0.83mi |
| 3233 Hillcrest Ln Montgomery, AL | 3.0 | 2.0 | 1278 | $1,395 | $1.09 | 20d | 1 | 0.86mi |
| 508 Glenmore Rd Montgomery, AL | 2.0 | 1.0 | 1135 | $1,000 | $0.88 | 43d | 1 | 0.91mi |
| 3515 Cottonwood Dr Montgomery, AL | 3.0 | 1.5 | 1246 | $1,350 | $1.08 | 43d | 1 | 0.93mi |
| 39 S Lewis St Montgomery, AL | 2.0 | 1.0 | 1209 | $950 | $0.79 | 43d | 1 | 0.97mi |
| 128 S Capitol Pkwy Montgomery, AL | 3.0 | 1.0 | 1550 | $1,500 | $0.97 | 43d | 1 | 0.98mi |
| 2001 Speigle St Montgomery, AL | 3.0 | 1.0 | 1260 | $1,035 | $0.82 | 43d | 1 | 0.99mi |
| 2009 Palmetto St Montgomery, AL | 3.0 | 1.0 | 1487 | $1,050 | $0.71 | 43d | 1 | 0.99mi |
| 3309 Hillcrest Ln Unit 1043908P Montgomery, AL | 4.0 | 2.0 | 1625 | $2,885 | $1.78 | 20d | 1 | 1.02mi |
| 1501 Winona Ave Montgomery, AL | 2.0 | 1.0 | 1930 | $1,000 | $0.52 | 20d | 1 | 1.03mi |
| 942 Parkwood Ct Montgomery, AL | 4.0 | 2.0 | 1752 | $1,299 | $0.74 | 13d | 1 | 1.12mi |
| 118 Nottingham Ct Montgomery, AL | 3.0 | 2.0 | 1344 | $1,275 | $0.95 | 43d | 1 | 1.15mi |
| 2019 Amos St Montgomery, AL | 3.0 | 1.5 | 1134 | $985 | $0.87 | 43d | 1 | 1.16mi |
| 3462 Biltmore Ave Montgomery, AL | 3.0 | 2.0 | 1685 | $1,225 | $0.73 | 20d | 1 | 1.16mi |
| 740 Coliseum Blvd Unit 740A Montgomery, AL | 2.0 | 1.0 | 1100 | $895 | $0.81 | 13d | 1 | 1.18mi |
Listing history 28 events
-
2026-06-18days on market $120,000 Active 287 DOM
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2026-06-17days on market $120,000 Active 286 DOM
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2026-06-16days on market $120,000 Active 285 DOM
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2026-06-15days on market $120,000 Active 284 DOM
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2026-06-14days on market $120,000 Active 282 DOM
-
2026-06-13days on market $120,000 Active 281 DOM
-
2026-06-10days on market $120,000 Active 279 DOM
-
2026-06-09days on market $120,000 Active 278 DOM
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2026-06-08days on market $120,000 Active 277 DOM
-
2026-06-07days on market $120,000 Active 276 DOM
-
2026-06-03days on market $120,000 Active 272 DOM
-
2026-06-02days on market $120,000 Active 271 DOM
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2026-06-01days on market $120,000 Active 270 DOM
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2026-05-31days on market $120,000 Active 269 DOM
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2026-05-30days on market $120,000 Active 268 DOM
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2026-04-27price $120,000 1017-char remark
Show marketing remark (1017 chars)
FIRE YOUR LANDLORD because once you see me, you will be MOVED!!! If its a warm and welcome feeling you are after, step right on in for your personal showing! Located in Capitol Heights area, most will say that I am as adorable as I am spacious. I will let you be the judge! I feature over 1500 sq footage of living space with 3 spacious bedrooms and 1 bath. I have gorgeous hardwood flooring that requires very little maintenance. My updated galley styled kitchen has an abundance of white cabinet space that will surely be delightful to the chef of the family. Located just off of the kitchen is a quaint area that can be used as a media room, study/office, or exercise room. This easily enjoyable area overlooks the backyard and is open to the kitchen. What can I say, but I have all the qualities and characteristics that you don't see in many homes, such as crystal door knobs and a oversized hallway! I really hate to brag on myself so schedule your personal showing and let me know what you think! See you soon!
-
2026-03-04status Active 1017-char remark
Show marketing remark (1017 chars)
FIRE YOUR LANDLORD because once you see me, you will be MOVED!!! If its a warm and welcome feeling you are after, step right on in for your personal showing! Located in Capitol Heights area, most will say that I am as adorable as I am spacious. I will let you be the judge! I feature over 1500 sq footage of living space with 3 spacious bedrooms and 1 bath. I have gorgeous hardwood flooring that requires very little maintenance. My updated galley styled kitchen has an abundance of white cabinet space that will surely be delightful to the chef of the family. Located just off of the kitchen is a quaint area that can be used as a media room, study/office, or exercise room. This easily enjoyable area overlooks the backyard and is open to the kitchen. What can I say, but I have all the qualities and characteristics that you don't see in many homes, such as crystal door knobs and a oversized hallway! I really hate to brag on myself so schedule your personal showing and let me know what you think! See you soon!
-
2026-01-19status Active 1017-char remark
Show marketing remark (1017 chars)
FIRE YOUR LANDLORD because once you see me, you will be MOVED!!! If its a warm and welcome feeling you are after, step right on in for your personal showing! Located in Capitol Heights area, most will say that I am as adorable as I am spacious. I will let you be the judge! I feature over 1500 sq footage of living space with 3 spacious bedrooms and 1 bath. I have gorgeous hardwood flooring that requires very little maintenance. My updated galley styled kitchen has an abundance of white cabinet space that will surely be delightful to the chef of the family. Located just off of the kitchen is a quaint area that can be used as a media room, study/office, or exercise room. This easily enjoyable area overlooks the backyard and is open to the kitchen. What can I say, but I have all the qualities and characteristics that you don't see in many homes, such as crystal door knobs and a oversized hallway! I really hate to brag on myself so schedule your personal showing and let me know what you think! See you soon!
-
2026-01-14historical Contingent 1017-char remark
Show marketing remark (1017 chars)
FIRE YOUR LANDLORD because once you see me, you will be MOVED!!! If its a warm and welcome feeling you are after, step right on in for your personal showing! Located in Capitol Heights area, most will say that I am as adorable as I am spacious. I will let you be the judge! I feature over 1500 sq footage of living space with 3 spacious bedrooms and 1 bath. I have gorgeous hardwood flooring that requires very little maintenance. My updated galley styled kitchen has an abundance of white cabinet space that will surely be delightful to the chef of the family. Located just off of the kitchen is a quaint area that can be used as a media room, study/office, or exercise room. This easily enjoyable area overlooks the backyard and is open to the kitchen. What can I say, but I have all the qualities and characteristics that you don't see in many homes, such as crystal door knobs and a oversized hallway! I really hate to brag on myself so schedule your personal showing and let me know what you think! See you soon!
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2025-10-08price $128,000 1017-char remark
Show marketing remark (1017 chars)
FIRE YOUR LANDLORD because once you see me, you will be MOVED!!! If its a warm and welcome feeling you are after, step right on in for your personal showing! Located in Capitol Heights area, most will say that I am as adorable as I am spacious. I will let you be the judge! I feature over 1500 sq footage of living space with 3 spacious bedrooms and 1 bath. I have gorgeous hardwood flooring that requires very little maintenance. My updated galley styled kitchen has an abundance of white cabinet space that will surely be delightful to the chef of the family. Located just off of the kitchen is a quaint area that can be used as a media room, study/office, or exercise room. This easily enjoyable area overlooks the backyard and is open to the kitchen. What can I say, but I have all the qualities and characteristics that you don't see in many homes, such as crystal door knobs and a oversized hallway! I really hate to brag on myself so schedule your personal showing and let me know what you think! See you soon!
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2025-09-03$135,000 Active 1017-char remark
Show marketing remark (1017 chars)
FIRE YOUR LANDLORD because once you see me, you will be MOVED!!! If its a warm and welcome feeling you are after, step right on in for your personal showing! Located in Capitol Heights area, most will say that I am as adorable as I am spacious. I will let you be the judge! I feature over 1500 sq footage of living space with 3 spacious bedrooms and 1 bath. I have gorgeous hardwood flooring that requires very little maintenance. My updated galley styled kitchen has an abundance of white cabinet space that will surely be delightful to the chef of the family. Located just off of the kitchen is a quaint area that can be used as a media room, study/office, or exercise room. This easily enjoyable area overlooks the backyard and is open to the kitchen. What can I say, but I have all the qualities and characteristics that you don't see in many homes, such as crystal door knobs and a oversized hallway! I really hate to brag on myself so schedule your personal showing and let me know what you think! See you soon!
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2022-11-04soldstatus $91,000
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2016-08-17soldstatus $60,000
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2016-08-12soldstatus $60,000 558-char remark
Show marketing remark (558 chars)
Highly Motivated Seller!! Great 3 bedroom 1 bath home with study/office/bonus space. Large living room with beautiful wood floors and a fireplace. Separate dining room with arched entry and gorgeous built-in cabinet. Spacious kitchen with refrigerator, stove, dishwasher and microwave. The kitchen even received new flooring in July 2014. The washer and dryer also stay! The bedrooms are all spacious with wood floors. The roof is approx. 8 years old. New HVAC unit installed in Sept 2014. Fully fenced back yard! You have to see this home to appreciate!
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2015-07-15$76,900 558-char remark
Show marketing remark (558 chars)
Highly Motivated Seller!! Great 3 bedroom 1 bath home with study/office/bonus space. Large living room with beautiful wood floors and a fireplace. Separate dining room with arched entry and gorgeous built-in cabinet. Spacious kitchen with refrigerator, stove, dishwasher and microwave. The kitchen even received new flooring in July 2014. The washer and dryer also stay! The bedrooms are all spacious with wood floors. The roof is approx. 8 years old. New HVAC unit installed in Sept 2014. Fully fenced back yard! You have to see this home to appreciate!
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2012-06-11$94,950
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2007-02-01soldstatus $92,900
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2007-01-19$99,900
ⓘ 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
- $536 · $45/mo
- Projected year-2 tax
- $536 · $45/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 · 19 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
- $15,347
- − Mortgage interest
- −$6,722
- − Property taxes
- −$536
- − Insurance
- −$600
- − Repairs & maintenance
- −$1,228
- − Management
- −$1,228
- − Depreciation
- −$3,491
- Taxable income
- $1,543
- Est. tax owed @ 24.0%
- −$370
- After-tax cash flow
- $3,066/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)
- 23,581
- Household income
- $59,193
- Rent vs Own
- Severe rent burden
- 1039.0
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 0.60)
- Race & ethnicity
- White 49% Black 39% Hispanic / Latino 8% Two or more races 4%
- Hispanic origin (detail)
- Mexican 4%
- Common ancestry
- Slovak 2% Lithuanian 1% Serbian 1%
- Foreign-born
- 4% · Canada, South Korea
- Languages at home
- 94% English-only · Spanish 5%
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
- ▼ -37.64%
- Current HPI
- 149.3867
- Rent YoY
- ▲ 2.65%
- 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 |
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| Healthcare | 1 | $5B |
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Price history
+20.1% since first listed13 events — show timeline
- 2026-04-27 Price Changed $120,000 MAAR
- 2026-03-04 Relisted — MAAR
- 2026-01-19 Relisted — MAAR
- 2026-01-14 Contingent — MAAR
- 2025-10-08 Price Changed $128,000 MAAR
- 2025-09-03 Listed $135,000 MAAR
- 2022-11-04 Sold (Public Records) $91,000 Public Records
- 2016-08-17 Sold (Public Records) $60,000 Public Records
- 2016-08-12 Sold (MLS) $60,000 MAAR
- 2015-07-15 Listed $76,900 MAAR
- 2012-06-11 Listed $94,950 MAAR
- 2007-02-01 Sold (MLS) $92,900 MAAR
- 2007-01-19 Listed $99,900 MAAR
Property tax history
+5.5%/yrLatest (2025): $536 · +4.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…