11541 Maple Ct · Daphne, AL 36526

$295,000

3 bd · 2.0 ba · 2,430 sqft · SingleFamily public records · 26 Days on market

Built 2000 0.70 ac lot Est $357k · 17% under $23/mo HOA · 1% 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).

• ARV discount +15.0/15.0
• Cash flow +8.2/30.0
• Schools +3.9/10.0
• Livability +3.8/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• DSCR +2.2/10.0
• 1% rule +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

So much potential with this all brick one story home sitting on a beautiful corner lot. The home features 4 bedrooms, 3 baths, formal dining, huge family rom, AND a den. Two of the bedrooms features private bathrooms. The kitchen has a pantry, a horseshoe bar and is open to the living room. Nice size laundry room, foyer, lots of windows and light, vaulted ceiling, plantations shutters, huge back yard partially fenced, corner lot, patio, and 2 car garage.This is a terrific opportunity to put your own personal touches on this home and have a great investment. Home is in an estate and is being sold AS IS. Flooring in some areas will need to be replaced as the top layer has some peeling/seperation. Buyer to verify all information during due diligence.

Key facts

• Private bathrooms
• Horseshoe bar
• Open to living room

Tags

• BRICK ONE STORY HOME
• CORNER LOT
• PRIVATE BATHROOMS
• HORSESHOE BAR
• OPEN TO LIVING ROOM
• HUGE BACK YARD

Property features AI

Finance

• Other: Listing office: REMAX By The Bay
• HOA & community: HOA fee $135 semi-annually; fee includes grounds maintenance; No transfer fee; No community amenities listed

Exterior

• Parking: Attached double garage with automatic garage door; 2 covered parking spaces
• Utilities: Public water; Public sewer (Baldwin County Sewer Service); Underground utilities
• Home design: Single story / one level; Resale property; Whole/full ownership; Zoned for single family residence
• Construction: Brick construction; Slab foundation; Dimensional roof with ridge vent; Building area reported as 2,420 square feet (appraiser source)
• Exterior features: Patio; Less than 1 acre lot; No waterfront

Interior

• Kitchen: Kitchen approx. 15 x 12; Dishwasher; Disposal; Microwave; Electric range; Separate dining room
• Bedrooms: Primary bedroom on main level with walk-in closet and primary bath combination; Bedroom 2 approx. 10.6 x 14; Bedroom 3 approx. 13.1 x 12.8; Bedroom 4 approx. 12.1 x 13.9
• Flooring: Laminate flooring
• Bathrooms: Three full bathrooms; Master bathroom with tub/shower combo and single vanity
• Heating & cooling: Central electric heating; Central cooling; Ceiling fan(s)
• Interior features: Breakfast bar; Family room; Entrance foyer; Living room; Office/study; Ceiling fan(s); High ceilings; Split bedroom plan; Vaulted ceiling(s); No fireplace
• Laundry & utility: Laundry on main level, inside; Utility room approx. 8.2 x 5.7

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $295k.

Deal economics

• At list price, monthly cash flow is $-277 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $246k (16.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (36.6% below list).
• Recommended offer: $187k (36.6% below list) — sets the bar for 1% rule.
• Cap rate 5.2% vs local median 3.9% in Daphne — 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 75/100 on livability (#18 in AL, #3,949 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A; Watch: amenities F, commute F.
• Baldwin County (rural): math 33% / reading 57% proficiency, ranked #18 of 129 in AL (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Belforest Elementary School (math 41% / reading 75%, grade C+, #72 of 627 statewide, top 12%, 1,068 students, 31% FRL); Daphne Middle School (math 25% / reading 62%, grade D, #45 of 257 statewide, top 18%, 846 students, 45% FRL); Daphne High School (math 41% / reading 40%, grade F, #33 of 305 statewide, top 11%, 1,725 students, 40% FRL) — zoned schools at 39% FRL track the district average.
• Market conditions: Rents rising (+1.7%/yr); 600 active listings in the ZIP; solid renter incomes; 3,883 units permitted in Baldwin County in 2024 (481 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 $9k of value loss. Plan a longer hold.
• Baldwin County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($291k) 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.
• Current owner paid $158k; list at $295k implies a 87% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $187,159 (36.6% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.63% ✗
• Cap rate: 5.17%
• Cash-on-cash: -4.03%
• DSCR: 0.82
• GRM: 13.1

CMA / ARV

• ARV (on-the-fly): $357,210
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 Charlotte Ct	0.16mi	3/2.0	2,450 (+1%)	1mo	$360,000	$147	90
11541 Maple Ct	0.00mi	4/3.0 (+1)	2,420 (-0%)	1mo	$285,000	$118	90
27972 Bay Branch Dr	0.10mi	4/2.0 (+1)	2,552 (+5%)	5mo	$380,000	$149	78
11381 Braga Dr	0.53mi	3/2.0	2,545 (+5%)	3mo	$353,250	$139	65
11379 River Birch St	0.17mi	4/2.0 (+1)	2,300 (-5%)	22mo	$324,900	$141	60
104 Black Oak Way	0.27mi	3/2.5	2,643 (+9%)	13mo	$370,000	$140	60
106 Ryan Ct	0.31mi	4/3.0 (+1)	2,447 (+1%)	23mo	$375,900	$154	56
28172 Cypress Loop	0.24mi	4/2.0 (+1)	2,316 (-5%)	24mo	$372,900	$161	56
28728 Bay Branch Dr	0.42mi	4/2.5 (+1)	2,092 (-14%)	1mo	$372,900	$178	50
11201 Herschel Loop	0.50mi	3/2.0	2,176 (-10%)	13mo	$305,000	$140	48
12025 US Highway 90	0.62mi	3/3.0	2,275 (-6%)	17mo	$385,000	$169	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 · 1.72% rent growth · sell at horizon

5-year hold

• IRR: -24.4%
• Equity multiple: 0.18×
• Total profit: $-67,982
• Equity at exit: $43,985

10-year hold

• IRR: -23.4%
• Equity multiple: -0.11×
• Total profit: $-92,040
• Equity at exit: $25,506

Cash invested: $82,600 (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

Right-to-evict in 7 days for non-payment; no rent control; preempted statewide; courts move quickly.

Methodology + full state rankings →

ZIP-level market 36526

• Home prices YoY: -21.3%
• Rents YoY: 1.7%
• Active inventory: 600
• Price-to-rent: 13.1×

Monthly cashflow live

• Estimated rent: $1,872 medium
• Mortgage (P&I): −$1,547
• Tax from tax record: −$63 /mo · $754/yr
• Insurance: −$123
• HOA: −$23
• Vacancy / Maint / Mgmt: −$393
• Net cashflow: $-277

Break-even live

Break-even rent $2,222

Max offer price $246,034

Occupancy floor —

Sensitivity live

Price	-10% $-110	-5% $-194	+0% $-277	+5% $-361	+10% $-444
Rent	-10% $-425	-5% $-351	+0% $-277	+5% $-203	+10% $-129
Rate	-1.0pp $-129	-0.5pp $-202	base $-277	+0.5pp $-354	+1.0pp $-431

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: $73,750
• Closing costs: $8,850
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $23 · $276/yr

Listing history 7 events

1. 2026-05-11
   status Pending
2. 2026-04-22
   status Pending 764-char remark

   Show marketing remark (764 chars)

   So much potential with this all brick one story home sitting on a beautiful corner lot. The home features 4 bedrooms, 3 baths, formal dining, huge family rom, AND a den. Two of the bedrooms features private bathrooms. The kitchen has a pantry, a horseshoe bar and is open to the living room. Nice size laundry room, foyer, lots of windows and light, vaulted ceiling, plantations shutters, huge back yard partially fenced, corner lot, patio, and 2 car garage.This is a terrific opportunity to put your own personal touches on this home and have a great investment. Home is in an estate and is being sold AS IS. Flooring in some areas will need to be replaced as the top layer has some peeling/seperation. Buyer to verify all information during due diligence.

3. 2026-04-22
   historical Active Under Contract

   Show marketing remark (764 chars)

   So much potential with this all brick one story home sitting on a beautiful corner lot. The home features 4 bedrooms, 3 baths, formal dining, huge family rom, AND a den. Two of the bedrooms features private bathrooms. The kitchen has a pantry, a horseshoe bar and is open to the living room. Nice size laundry room, foyer, lots of windows and light, vaulted ceiling, plantations shutters, huge back yard partially fenced, corner lot, patio, and 2 car garage.This is a terrific opportunity to put your own personal touches on this home and have a great investment. Home is in an estate and is being sold AS IS. Flooring in some areas will need to be replaced as the top layer has some peeling/seperation. Buyer to verify all information during due diligence.

4. 2026-04-22
   historical Active Under Contract 764-char remark

   Show marketing remark (764 chars)

   So much potential with this all brick one story home sitting on a beautiful corner lot. The home features 4 bedrooms, 3 baths, formal dining, huge family rom, AND a den. Two of the bedrooms features private bathrooms. The kitchen has a pantry, a horseshoe bar and is open to the living room. Nice size laundry room, foyer, lots of windows and light, vaulted ceiling, plantations shutters, huge back yard partially fenced, corner lot, patio, and 2 car garage.This is a terrific opportunity to put your own personal touches on this home and have a great investment. Home is in an estate and is being sold AS IS. Flooring in some areas will need to be replaced as the top layer has some peeling/seperation. Buyer to verify all information during due diligence.

5. 2026-04-15
   listed $295,000 Active 764-char remark

   Show marketing remark (764 chars)

   So much potential with this all brick one story home sitting on a beautiful corner lot. The home features 4 bedrooms, 3 baths, formal dining, huge family rom, AND a den. Two of the bedrooms features private bathrooms. The kitchen has a pantry, a horseshoe bar and is open to the living room. Nice size laundry room, foyer, lots of windows and light, vaulted ceiling, plantations shutters, huge back yard partially fenced, corner lot, patio, and 2 car garage.This is a terrific opportunity to put your own personal touches on this home and have a great investment. Home is in an estate and is being sold AS IS. Flooring in some areas will need to be replaced as the top layer has some peeling/seperation. Buyer to verify all information during due diligence.

6. 2026-04-15
   listed $295,000 Active

   Show marketing remark (764 chars)

   So much potential with this all brick one story home sitting on a beautiful corner lot. The home features 4 bedrooms, 3 baths, formal dining, huge family rom, AND a den. Two of the bedrooms features private bathrooms. The kitchen has a pantry, a horseshoe bar and is open to the living room. Nice size laundry room, foyer, lots of windows and light, vaulted ceiling, plantations shutters, huge back yard partially fenced, corner lot, patio, and 2 car garage.This is a terrific opportunity to put your own personal touches on this home and have a great investment. Home is in an estate and is being sold AS IS. Flooring in some areas will need to be replaced as the top layer has some peeling/seperation. Buyer to verify all information during due diligence.

7. 2004-11-01
   soldstatus $157,500

ⓘ 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: $754 · $63/mo
• Projected year-2 tax: $1,210 · $101/mo
• Expected delta: +$456/yr (+$38/mo · 60.5%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,459
• − Mortgage interest: −$16,525
• − Property taxes: −$754
• − Insurance: −$1,475
• − Repairs & maintenance: −$1,797
• − Management: −$1,797
• − HOA: −$276
• − Depreciation: −$8,582
• Taxable loss: −$8,746
• Est. tax savings @ 24.0%: +$2,099
• After-tax cash flow: $-1,227/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: Baldwin County
• NCES district ID: 0100270
• Math proficiency: 33% ▼ -26.00%
• Reading proficiency: 57% ▲ 1.00%
• Median HH income: $50,677
• Composite: 38.61/100
• National rank: #4157
• State rank: #18 of 129 in AL

Livability — Daphne

• Score: 75/100
• State rank: #18
• US rank: #3949

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Baldwin County · 181,514 people
• City population: 36,484
• Metro: Daphne-Fairhope-Foley, AL
• Population (ZIP): 36,484
• Household income: $88,750
• Rent vs Own: 26.4% rent · 73.6% own
• Severe rent burden: 535.0

Population outlook (Baldwin County) Hauer SSP2

• Today (2025): 248,264 people
• By 2030: 270,315 · +8.9%
• By 2040: 312,967 · +26.1%
• By 2050: 352,262 · +41.9%
• By 2075: 438,841 · +76.8%
• By 2100: 487,736 · +96.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Black 12% Two or more races 6% Hispanic / Latino 5% Asian 1%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Slovak 3% Lithuanian 2% Italian 2%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 2% French/Haitian/Cajun 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Baldwin

• 2024 margin: Solid R (+58.2) · D 20.5% · R 78.7%
• 2008→2024 swing: -6.7pp toward R · 2008: -51.5pp · 2024: -58.2pp
• All cycles: 2024: R+58.2 2020: R+53.8 2016: R+57.8 2012: R+55.8 2008: R+51.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.47%
• Current HPI: 227.2692
• Rent YoY: ▲ 1.72%
• Metro: Daphne-Fairhope-Foley, 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

+87.3% since first listed

7 events — show timeline

• 2026-05-11 Pending — BCAR
• 2026-04-22 Pending — GCMLS AL
• 2026-04-22 Contingent — BCAR
• 2026-04-22 Contingent — GCMLS AL
• 2026-04-15 Listed $295,000 GCMLS AL
• 2026-04-15 Listed $295,000 BCAR
• 2004-11-01 Sold (Public Records) $157,500 Public Records

Property tax history

-2.8%/yr

Latest (2025): $754 · +27.9% YoY. Source: county tax records.