1301 Repoll Rd · Mobile, AL 36695

$275,000

3 bd · 3.0 ba · 1,872 sqft · SingleFamily public records · 195 Days on market

Built 1986 0.50 ac lot $147/sqft · 22% below area Est $354k · 22% under

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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 +8.0/30.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Schools +2.3/10.0
• DSCR +2.1/10.0
• 1% rule +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

USDA 100% financing available! Welcome to this tastefully renovated, 4-bedroom, 3-bath home featuring two spacious primary suites—perfect for multi-generational living or guest privacy. Enjoy peace of mind with a 2017 roof, 2022 HVAC, and low-maintenance vinyl siding. Inside, you’ll find new flooring and fresh paint, a stylish kitchen with granite countertops, new appliances, and an open flow into the living spaces. (all improvements per seller) The cozy den offers a fireplace for relaxing evenings. The main primary suite includes a large walk-in closet, dual vanities, a soaking tub, and a walk-in shower. Sitting on a generous ½-acre fenced lot, there’s plenty of room for outdoor living, pets, or play. Foreclosure, may be subject to 1 year right of redemption.

Key facts

• 2022 hvac
• New flooring
• 2017 roof

Tags

• TWO PRIMARY SUITES
• 2017 ROOF
• 2022 HVAC
• VINYL SIDING
• NEW FLOORING
• GRANITE COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $-278 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $226k (17.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $171k (37.8% below list).
• Recommended offer: $171k (37.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D-, crime F, employment D-.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.4%/yr); 551 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 1,678 units permitted in Mobile County in 2024 (264 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.
• Mobile 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 195 days — a 12% lower offer ($242k) 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 $152k; list at $275k implies a 82% 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; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $170,956 (37.8% 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 195 days. Have you received any prior offers? Is the seller open to a 38% 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.62% ✗
• Cap rate: 5.08%
• Cash-on-cash: -4.33%
• DSCR: 0.81
• GRM: 13.4

CMA / ARV

• ARV (median comp): $353,571
• List price: $275,000
• Delta: -22.22%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10530 Relic Rd S	0.43mi	4/2.0 (+1)	1,835 (-2%)	1mo	$316,900	$173	67
10625 Relic Rd S	0.45mi	4/2.0 (+1)	1,835 (-2%)	2mo	$316,900	$173	65
1230 Seven Hills Dr	0.15mi	3/2.0	2,128 (+14%)	2mo	$215,000	$101	65
1609 Repoll Rd	0.53mi	3/2.0	1,829 (-2%)	5mo	$264,600	$145	64
10597 Relic Rd S	0.44mi	4/2.0 (+1)	1,835 (-2%)	6mo	$315,900	$172	62
10550 Relic Rd S	0.44mi	3/2.0	1,706 (-9%)	3mo	$306,900	$180	58
10673 Relic Rd N	0.50mi	3/2.0	1,706 (-9%)	0mo	$305,900	$179	58
10605 Relic Rd S	0.44mi	3/2.0	1,706 (-9%)	6mo	$305,900	$179	56
10650 Relic Rd N	0.52mi	3/2.0	1,706 (-9%)	2mo	$306,900	$180	55
10659 Relic Rd N	0.50mi	3/2.0	1,706 (-9%)	5mo	$306,900	$180	54
10577 Relic Rd S	0.43mi	4/2.0 (+1)	2,070 (+11%)	3mo	$316,900	$153	51
10280 Garris Dr	0.61mi	3/2.0	1,694 (-10%)	1mo	$209,000	$123	51

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -26.5%
• Equity multiple: 0.12×
• Total profit: $-67,405
• Equity at exit: $41,003

10-year hold

• IRR: -35.2%
• Equity multiple: -0.32×
• Total profit: $-101,412
• 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 36695

• Home prices YoY: -30.9%
• Rents YoY: -0.4%
• Active inventory: 551
• Price-to-rent: 13.4×

Monthly cashflow live

• Estimated rent: $1,710 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$72 /mo · $859/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$359
• Net cashflow: $-278

Break-even live

Break-even rent $2,061

Max offer price $225,930

Occupancy floor —

Sensitivity live

Price	-10% $-122	-5% $-200	+0% $-278	+5% $-356	+10% $-433
Rent	-10% $-413	-5% $-345	+0% $-278	+5% $-210	+10% $-143
Rate	-1.0pp $-139	-0.5pp $-208	base $-278	+0.5pp $-349	+1.0pp $-422

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 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9490 Cinder Dr Mobile, AL	3.0	3.0	1783	$1,800	$1.01	14d	1	1.46mi

Listing history 7 events

1. 2026-03-24
   price $275,000 797-char remark

   Show marketing remark (816 chars)

   Welcome to this tastefully renovated, 4-bedroom, 3-bath home featuring two spacious primary suites—great for multi-generational living or guest privacy. Enjoy peace of mind with a 2017 roof, 2022 HVAC, and low-maintenance vinyl siding. Inside, you’ll find new flooring and fresh paint, a stylish kitchen with granite countertops, new appliances, and an open flow into the living spaces. (all improvements per seller) The cozy den offers a fireplace for relaxing evenings. The main primary suite includes a large walk-in closet, dual vanities, a soaking tub, and a walk-in shower. Sitting on a generous ½-acre fenced lot, there’s plenty of room for outdoor living, pets, or play. Foreclosure, may be subject to 1 year right of redemption. Buyer to verify all information during due diligence.

2. 2026-03-24
   price $275,000 816-char remark

   Show marketing remark (816 chars)

   Welcome to this tastefully renovated, 4-bedroom, 3-bath home featuring two spacious primary suites—great for multi-generational living or guest privacy. Enjoy peace of mind with a 2017 roof, 2022 HVAC, and low-maintenance vinyl siding. Inside, you’ll find new flooring and fresh paint, a stylish kitchen with granite countertops, new appliances, and an open flow into the living spaces. (all improvements per seller) The cozy den offers a fireplace for relaxing evenings. The main primary suite includes a large walk-in closet, dual vanities, a soaking tub, and a walk-in shower. Sitting on a generous ½-acre fenced lot, there’s plenty of room for outdoor living, pets, or play. Foreclosure, may be subject to 1 year right of redemption. Buyer to verify all information during due diligence.

3. 2026-02-04
   price $279,900 797-char remark

   Show marketing remark (816 chars)

   Welcome to this tastefully renovated, 4-bedroom, 3-bath home featuring two spacious primary suites—great for multi-generational living or guest privacy. Enjoy peace of mind with a 2017 roof, 2022 HVAC, and low-maintenance vinyl siding. Inside, you’ll find new flooring and fresh paint, a stylish kitchen with granite countertops, new appliances, and an open flow into the living spaces. (all improvements per seller) The cozy den offers a fireplace for relaxing evenings. The main primary suite includes a large walk-in closet, dual vanities, a soaking tub, and a walk-in shower. Sitting on a generous ½-acre fenced lot, there’s plenty of room for outdoor living, pets, or play. Foreclosure, may be subject to 1 year right of redemption. Buyer to verify all information during due diligence.

4. 2026-02-04
   price $279,900 816-char remark

   Show marketing remark (816 chars)

   Welcome to this tastefully renovated, 4-bedroom, 3-bath home featuring two spacious primary suites—great for multi-generational living or guest privacy. Enjoy peace of mind with a 2017 roof, 2022 HVAC, and low-maintenance vinyl siding. Inside, you’ll find new flooring and fresh paint, a stylish kitchen with granite countertops, new appliances, and an open flow into the living spaces. (all improvements per seller) The cozy den offers a fireplace for relaxing evenings. The main primary suite includes a large walk-in closet, dual vanities, a soaking tub, and a walk-in shower. Sitting on a generous ½-acre fenced lot, there’s plenty of room for outdoor living, pets, or play. Foreclosure, may be subject to 1 year right of redemption. Buyer to verify all information during due diligence.

5. 2025-11-14
   listed $284,900 Active 797-char remark

   Show marketing remark (816 chars)

   Welcome to this tastefully renovated, 4-bedroom, 3-bath home featuring two spacious primary suites—great for multi-generational living or guest privacy. Enjoy peace of mind with a 2017 roof, 2022 HVAC, and low-maintenance vinyl siding. Inside, you’ll find new flooring and fresh paint, a stylish kitchen with granite countertops, new appliances, and an open flow into the living spaces. (all improvements per seller) The cozy den offers a fireplace for relaxing evenings. The main primary suite includes a large walk-in closet, dual vanities, a soaking tub, and a walk-in shower. Sitting on a generous ½-acre fenced lot, there’s plenty of room for outdoor living, pets, or play. Foreclosure, may be subject to 1 year right of redemption. Buyer to verify all information during due diligence.

6. 2025-11-14
   listed $284,900 Active 816-char remark

   Show marketing remark (816 chars)

   Welcome to this tastefully renovated, 4-bedroom, 3-bath home featuring two spacious primary suites—great for multi-generational living or guest privacy. Enjoy peace of mind with a 2017 roof, 2022 HVAC, and low-maintenance vinyl siding. Inside, you’ll find new flooring and fresh paint, a stylish kitchen with granite countertops, new appliances, and an open flow into the living spaces. (all improvements per seller) The cozy den offers a fireplace for relaxing evenings. The main primary suite includes a large walk-in closet, dual vanities, a soaking tub, and a walk-in shower. Sitting on a generous ½-acre fenced lot, there’s plenty of room for outdoor living, pets, or play. Foreclosure, may be subject to 1 year right of redemption. Buyer to verify all information during due diligence.

7. 2018-02-09
   soldstatus $151,500

ⓘ 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: $859 · $72/mo
• Projected year-2 tax: $1,128 · $94/mo
• Expected delta: +$268/yr (+$22/mo · 31.2%)

ⓘ 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 5/10 Major
• 🌡 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 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,515
• − Mortgage interest: −$15,404
• − Property taxes: −$859
• − Insurance: −$1,375
• − Repairs & maintenance: −$1,641
• − Management: −$1,641
• − Depreciation: −$8,000
• Taxable loss: −$8,406
• Est. tax savings @ 24.0%: +$2,018
• After-tax cash flow: $-1,316/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 52,690
• Household income: $76,040
• Rent vs Own: 30.6% rent · 69.4% own
• Severe rent burden: 1619.0

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (67%)
• Race & ethnicity: White 67% Black 23% Two or more races 5% Hispanic / Latino 5% Asian 2%
• Common ancestry: Lithuanian 3% Italian 2% Slovak 1%
• Foreign-born: 5% · Canada, Vietnam, China
• Languages at home: 94% English-only · Spanish 2% Vietnamese 1% Arabic 1%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -86.28%
• Current HPI: 193.1651
• Rent YoY: ▼ -0.41%
• Metro: Mobile, 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

+81.5% since first listed

7 events — show timeline

• 2026-03-24 Price Changed $275,000 GCMLS AL
• 2026-03-24 Price Changed $275,000 BCAR
• 2026-02-04 Price Changed $279,900 GCMLS AL
• 2026-02-04 Price Changed $279,900 BCAR
• 2025-11-14 Listed $284,900 GCMLS AL
• 2025-11-14 Listed $284,900 BCAR
• 2018-02-09 Sold (Public Records) $151,500 Public Records

Property tax history

+5.0%/yr

Latest (2025): $859 · +7.5% YoY. Source: county tax records.