151 Archers Brook Ln · Springville, AL 35146

$294,900

4 bd · 2.0 ba · 1,774 sqft · SingleFamily · 104 Days on market

Built 2024 0.44 ac lot Est $275k · 7% over $46/mo HOA · 2% of rent

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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 +17.3/30.0
• DSCR +5.4/10.0
• 1% rule +4.9/10.0
• ARV discount +4.2/15.0
• Livability +3.6/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Ask about our interest rates (AS LOW AS 4.99%) AND seller contribution towards closing costs up to $5,000 and $1,000 pre-paids through builder preferred lender! The one-level Cali plan provides an efficient, four-bedroom, two-bath design in 1,774 square feet. One of the unique features is the integration of the kitchen, breakfast area and great room in an open concept design perfect for entertaining. Enjoy early morning coffee or quiet evenings under the shaded covered patio. The bedroom on-suite is your private getaway with a separate shower, double vanity and large walk-in closet. A two-car garage, laundry room and pantry provide utility and storage. Quality materials and workmanship throughout, with superior attention to detail, plus a one-year builders warranty. Your new home also includes our smart home technology package!

Key facts

• Covered patio
• Ample cabinet space
• Extended patio

Tags

• OPEN CONCEPT LAYOUT
• CUSTOM ELECTRIC FIREPLACE
• AMPLE CABINET SPACE
• PRIVATE PRIMARY SUITE
• COVERED PATIO
• EXTENDED PATIO

Property features AI

Finance

• Other: Paved road access
• Financial info: Down payment assistance available
• HOA & community: Annual association fee ($550/year); Association fees cover common grounds maintenance, management, and utilities for common areas; Garbage fee included

Exterior

• Parking: Front garage entry; 2-car garage (main level)
• Utilities: Public water; Connected sewer; Gas water heater; Underground utilities; Internet service available (Kinetic)
• Home design: Single-story living (rooms listed at main level); Existing construction; Siding (Hardiplank) exterior; Slab foundation
• Construction: Hardiplank siding; Slab foundation
• Exterior features: Covered and open patio; Porch; Community in-ground pool with perimeter fencing

Interior

• Kitchen: Solid surface countertops; Built-in dishwasher; Built-in microwave; Refrigerator; Electric stove
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level; Walk-in closets; Split bedroom layout
• Flooring: Hardwood laminate floors
• Bathrooms: Two full bathrooms; Separate shower and tub/shower combos; Separate vanities; Linen closet
• Heating & cooling: Central heating; Central electric cooling; Ceiling fans
• Interior features: Smooth ceilings; Recessed lighting; Electric fireplace with insert in the living room; Pantry; Kitchen island
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup; Pull-down attic access

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $295k.

Deal economics

• At list price, monthly cash flow is $217 ($3k/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 $291k (1.2% below list).
• Recommended offer: $268k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.2% vs local median 4.3% in Springville — 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 72/100 on livability (#30 in AL) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A-; Watch: amenities F, commute F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Springville Elementary School (math 36% / reading 67%, grade C-, #110 of 627 statewide, top 18%, 978 students, 34% FRL); Springville High School (math 37% / reading 32%, grade F, #47 of 305 statewide, top 17%, 766 students, 33% FRL).
• Market conditions: 172 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 557 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).
• This rent runs 40% of the median local income ($87k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 104 days — a 9% lower offer ($268k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y 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.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 25% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $268,359 (9.0% below list)

Questions for the listing agent

1. It's been on market 104 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.99% ✗
• Cap rate: 7.18%
• Cash-on-cash: 3.16%
• DSCR: 1.14
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $274,970
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
196 Archers Brook Ln	0.00mi	4/2.0	1,774 (0%)	23mo	$274,900	$155	81
176 Archers Brook Ln	0.00mi	4/2.0	1,774 (0%)	24mo	$269,900	$152	80
7995 Highway 11	0.43mi	4/2.0	1,944 (+10%)	10mo	$350,000	$180	56
226 Archers Brook Ln	0.00mi	5/3.0 (+1)	2,012 (+13%)	23mo	$289,900	$144	49

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: -11.3%
• Equity multiple: 0.59×
• Total profit: $-33,883
• Equity at exit: $43,971

10-year hold

• IRR: -2.0%
• Equity multiple: 0.86×
• Total profit: $-11,402
• Equity at exit: $25,498

Cash invested: $82,572 (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 35146

• Home prices YoY: -15.8%
• Active inventory: 172
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $2,913 medium
• Mortgage (P&I): −$1,546
• Tax est. 1.5%: −$369 /mo · $4,424/yr
• Insurance: −$123
• HOA: −$46
• Vacancy / Maint / Mgmt: −$612
• Net cashflow: $217

Break-even live

Break-even rent $2,638

Max offer price $294,900

Occupancy floor 88%

Sensitivity live

Price	-10% $421	-5% $319	+0% $217	+5% $115	+10% $13
Rent	-10% $-13	-5% $102	+0% $217	+5% $332	+10% $447
Rate	-1.0pp $366	-0.5pp $292	base $217	+0.5pp $141	+1.0pp $63

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: $73,725
• Closing costs: $8,847
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10 Macdonald Cv Springville, AL	4.0	3.5	2351	$3,000	$1.28	12d	1	0.89mi
10 MacDonald Cv Unit NA Springville, AL	4.0	3.5	2351	$3,000	$1.28	2d	1	0.89mi

HOA detail

• Monthly dues: $46 · $552/yr

Listing history 22 events

1. 2026-06-18
   days on market $294,900 Active 104 DOM
2. 2026-06-17
   days on market $294,900 Active 103 DOM
3. 2026-06-16
   days on market $294,900 Active 102 DOM
4. 2026-06-15
   days on market $294,900 Active 101 DOM
5. 2026-06-13
   days on market $294,900 Active 99 DOM
6. 2026-06-10
   days on market $294,900 Active 96 DOM
7. 2026-06-09
   days on market $294,900 Active 95 DOM
8. 2026-06-08
   days on market $294,900 Active 94 DOM
9. 2026-06-07
   days on market $294,900 Active 93 DOM
10. 2026-06-03
    days on market $294,900 Active 89 DOM
11. 2026-06-02
    days on market $294,900 Active 88 DOM
12. 2026-06-01
    days on market $294,900 Active 87 DOM
13. 2026-05-31
    days on market $294,900 Active 86 DOM
14. 2026-05-05
    price $294,900
15. 2026-04-24
    price $299,900
16. 2026-04-14
    price $304,900
17. 2026-03-05
    listed $309,900 Active
18. 2024-07-08
    soldstatus $289,900 Sold 839-char remark

    Show marketing remark (839 chars)

    Ask about our interest rates (AS LOW AS 4.99%) AND seller contribution towards closing costs up to $5,000 and $1,000 pre-paids through builder preferred lender! The one-level Cali plan provides an efficient, four-bedroom, two-bath design in 1,774 square feet. One of the unique features is the integration of the kitchen, breakfast area and great room in an open concept design perfect for entertaining. Enjoy early morning coffee or quiet evenings under the shaded covered patio. The bedroom on-suite is your private getaway with a separate shower, double vanity and large walk-in closet. A two-car garage, laundry room and pantry provide utility and storage. Quality materials and workmanship throughout, with superior attention to detail, plus a one-year builders warranty. Your new home also includes our smart home technology package!

19. 2024-06-10
    status Pending 839-char remark

    Show marketing remark (839 chars)

    Ask about our interest rates (AS LOW AS 4.99%) AND seller contribution towards closing costs up to $5,000 and $1,000 pre-paids through builder preferred lender! The one-level Cali plan provides an efficient, four-bedroom, two-bath design in 1,774 square feet. One of the unique features is the integration of the kitchen, breakfast area and great room in an open concept design perfect for entertaining. Enjoy early morning coffee or quiet evenings under the shaded covered patio. The bedroom on-suite is your private getaway with a separate shower, double vanity and large walk-in closet. A two-car garage, laundry room and pantry provide utility and storage. Quality materials and workmanship throughout, with superior attention to detail, plus a one-year builders warranty. Your new home also includes our smart home technology package!

20. 2024-06-10
    status Active 839-char remark

    Show marketing remark (839 chars)

    Ask about our interest rates (AS LOW AS 4.99%) AND seller contribution towards closing costs up to $5,000 and $1,000 pre-paids through builder preferred lender! The one-level Cali plan provides an efficient, four-bedroom, two-bath design in 1,774 square feet. One of the unique features is the integration of the kitchen, breakfast area and great room in an open concept design perfect for entertaining. Enjoy early morning coffee or quiet evenings under the shaded covered patio. The bedroom on-suite is your private getaway with a separate shower, double vanity and large walk-in closet. A two-car garage, laundry room and pantry provide utility and storage. Quality materials and workmanship throughout, with superior attention to detail, plus a one-year builders warranty. Your new home also includes our smart home technology package!

21. 2024-05-31
    status Pending 839-char remark

    Show marketing remark (839 chars)

    Ask about our interest rates (AS LOW AS 4.99%) AND seller contribution towards closing costs up to $5,000 and $1,000 pre-paids through builder preferred lender! The one-level Cali plan provides an efficient, four-bedroom, two-bath design in 1,774 square feet. One of the unique features is the integration of the kitchen, breakfast area and great room in an open concept design perfect for entertaining. Enjoy early morning coffee or quiet evenings under the shaded covered patio. The bedroom on-suite is your private getaway with a separate shower, double vanity and large walk-in closet. A two-car garage, laundry room and pantry provide utility and storage. Quality materials and workmanship throughout, with superior attention to detail, plus a one-year builders warranty. Your new home also includes our smart home technology package!

22. 2024-04-16
    listed $289,900 Active 839-char remark

    Show marketing remark (839 chars)

    Ask about our interest rates (AS LOW AS 4.99%) AND seller contribution towards closing costs up to $5,000 and $1,000 pre-paids through builder preferred lender! The one-level Cali plan provides an efficient, four-bedroom, two-bath design in 1,774 square feet. One of the unique features is the integration of the kitchen, breakfast area and great room in an open concept design perfect for entertaining. Enjoy early morning coffee or quiet evenings under the shaded covered patio. The bedroom on-suite is your private getaway with a separate shower, double vanity and large walk-in closet. A two-car garage, laundry room and pantry provide utility and storage. Quality materials and workmanship throughout, with superior attention to detail, plus a one-year builders warranty. Your new home also includes our smart home technology package!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 18 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 25% 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: $34,954
• − Mortgage interest: −$16,519
• − Property taxes: −$4,424
• − Insurance: −$1,474
• − Repairs & maintenance: −$2,796
• − Management: −$2,796
• − HOA: −$552
• − Depreciation: −$8,579
• Taxable loss: −$2,186
• Est. tax savings @ 24.0%: +$525
• After-tax cash flow: $3,131/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: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Springville

• Score: 72/100
• State rank: #30
• US rank: #6213

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Saint Clair County · 54,404 people
• City population: 13,973
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 13,973
• Household income: $86,614
• Rent vs Own: 11.8% rent · 88.2% own
• Severe rent burden: 39.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 11% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Slovak 4% Italian 1% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% German/W. Germanic 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.81%
• Current HPI: 228.507
• Rent YoY: —
• Metro: Birmingham-Hoover, 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

+1.7% since first listed

9 events — show timeline

• 2026-05-05 Price Changed $294,900 Greater Alabama MLS
• 2026-04-24 Price Changed $299,900 Greater Alabama MLS
• 2026-04-14 Price Changed $304,900 Greater Alabama MLS
• 2026-03-05 Listed $309,900 Greater Alabama MLS
• 2024-07-08 Sold (MLS) $289,900 Greater Alabama MLS
• 2024-06-10 Pending — Greater Alabama MLS
• 2024-06-10 Relisted — Greater Alabama MLS
• 2024-05-31 Pending — Greater Alabama MLS
• 2024-04-16 Listed $289,900 Greater Alabama MLS