108 Sunset Dr · Eufaula, AL 36027

$76,774

3 bd · 1.0 ba · 960 sqft · SingleFamily public records · 148 Days on market

Built 1959 Fair condition 0.26 ac lot $80/sqft · 32% below area Est $113k · 32% under

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Why this score? — see what drove the B 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

108 Sunset Drive, Eufaula Alabama 36027 is a single family, one level home (960 square feet), with three bedrooms and one bath. Some features include the following: brand new shingle architecture roof and metal fascia in July 2024, new HVAC system in 2019, nice size bedrooms, galley style kitchen with dining area, ceramic tile, carpet, attached carport, W/D hookup, and a storage building in the backyard.

Key facts

• 0.26 acre lot
• Garage
• Built 1959

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $77k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $397 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $77k).
• Recommended offer: $68k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.5% vs local median 2.7% in Eufaula — 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 51/100 on livability (#508 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime F, amenities F, commute F.
• Eufaula City (rural): math 10% / reading 38% proficiency, ranked #100 of 129 in AL (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Eufaula Primary School (661 students, 59% FRL); Moorer Middle School (math 6% / reading 25%, grade F, #204 of 257 statewide, top 80%, 538 students, 64% FRL); Eufaula High School (math 12% / reading 17%, grade F, #220 of 305 statewide, top 77%, 717 students, 58% FRL) — zoned schools at 60% FRL track the district average.
• Market conditions: 238 active listings in the ZIP; 34 units permitted in Barbour County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $530 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Barbour County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 148 days — a 12% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 4y 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.
• Current owner paid $56k; 37% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $67,561 (12.0% below list)

Questions for the listing agent

1. It's been on market 148 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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?
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: 1.40% ✓
• Cap rate: 12.50%
• Cash-on-cash: 22.16%
• DSCR: 1.99
• GRM: 6.0

CMA / ARV

• ARV (median comp): $113,103
• List price: $76,774
• Delta: -32.12%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
219 Baker Dr	0.16mi	3/1.0	1,158 (+21%)	47mo	$69,000	$60	48
406 Bush Dr	0.20mi	3/1.0	1,182 (+23%)	42mo	$105,000	$89	46
325 Highland Ave	1.63mi	2/2.0 (-1)	1,026 (+7%)	3mo	$40,000	$39	42
832 Spruce Dr	2.10mi	3/1.0	912 (-5%)	27mo	$59,900	$66	37
101 Dogwood Ct	1.94mi	3/1.0	1,075 (+12%)	16mo	$51,000	$47	32
102 Oakland Ave	0.87mi	4/2.0 (+1)	1,248 (+30%)	11mo	$116,500	$93	22
519 S Forsyth Ave	1.00mi	2/1.0 (-1)	1,080 (+12%)	46mo	$41,500	$38	19
527 Holly Dr	1.47mi	3/2.0	1,131 (+18%)	34mo	$95,000	$84	16
504 North Orange Aveue Ave	1.65mi	2/1.0 (-1)	1,155 (+20%)	31mo	$105,500	$91	15
543 Broad	1.22mi	2/1.5 (-1)	1,175 (+22%)	30mo	$145,000	$123	13

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: 14.9%
• Equity multiple: 1.60×
• Total profit: $12,808
• Equity at exit: $11,447

10-year hold

• IRR: 23.6%
• Equity multiple: 3.03×
• Total profit: $43,576
• Equity at exit: $6,638

Cash invested: $21,497 (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 →

Active competition Active MLS

• For sale now: 1 active
• Median asking: $105,000 ($90/sqft)
• Median days on market: 11 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +31.3% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 36027

• Home prices YoY: -27.1%
• Active inventory: 238
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,075 medium
• Mortgage (P&I): −$403
• Tax from tax record: −$18 /mo · $214/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $397

Break-even live

Break-even rent $573

Max offer price $76,774

Occupancy floor 58%

Sensitivity live

Price	-10% $440	-5% $419	+0% $397	+5% $375	+10% $353
Rent	-10% $312	-5% $354	+0% $397	+5% $439	+10% $482
Rate	-1.0pp $436	-0.5pp $416	base $397	+0.5pp $377	+1.0pp $357

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: $19,194
• Closing costs: $2,303
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-08-08
   days on market $76,774 Active 148 DOM
2. 2026-08-07
   days on market $76,774 Active 147 DOM
3. 2026-08-06
   days on market $76,774 Active 146 DOM
4. 2026-08-05
   days on market $76,774 Active 145 DOM
5. 2026-08-04
   days on market $76,774 Active 144 DOM
6. 2026-08-03
   days on market $76,774 Active 143 DOM
7. 2026-07-31
   days on market $76,774 Active 140 DOM
8. 2026-07-30
   days on market $76,774 Active 139 DOM
9. 2026-07-29
   days on market $76,774 Active 138 DOM
10. 2026-07-27
    days on market $76,774 Active 136 DOM
11. 2026-07-25
    days on market $76,774 Active 134 DOM
12. 2026-07-24
    days on market $76,774 Active 133 DOM
13. 2026-07-23
    days on market $76,774 Active 132 DOM
14. 2026-07-22
    days on market $76,774 Active 131 DOM
15. 2026-07-21
    days on market $76,774 Active 130 DOM
16. 2026-07-18
    days on market $76,774 Active 127 DOM
17. 2026-07-16
    days on market $76,774 Active 125 DOM
18. 2026-07-15
    days on market $76,774 Active 124 DOM
19. 2026-07-14
    days on market $76,774 Active 123 DOM
20. 2026-07-13
    days on market $76,774 Active 122 DOM
21. 2026-07-12
    days on market $76,774 Active 121 DOM
22. 2026-07-12
    days on market $76,774 Active 120 DOM
23. 2026-07-11
    days on market $76,774 Active 119 DOM
24. 2026-07-09
    days on market $76,774 Active 118 DOM
25. 2026-07-09
    days on market $76,774 Active 117 DOM
26. 2026-07-07
    days on market $76,774 Active 116 DOM
27. 2026-07-06
    days on market $76,774 Active 115 DOM
28. 2026-07-05
    statusdays on market $76,774 Active 114 DOM
29. 2026-07-04
    days on market $76,774 Price Change 113 DOM
30. 2026-07-03
    days on market $76,774 Price Change 112 DOM
31. 2026-07-02
    pricestatusdays on market $76,774 Price Change 111 DOM
32. 2026-07-01
    days on market $79,900 Active 110 DOM
33. 2026-06-30
    days on market $79,900 Active 109 DOM
34. 2026-06-29
    days on market $79,900 Active 108 DOM
35. 2026-06-28
    days on market $79,900 Active 107 DOM
36. 2026-06-27
    days on market $79,900 Active 106 DOM
37. 2026-06-26
    days on market $79,900 Active 104 DOM
38. 2026-06-22
    days on market $79,900 Active 101 DOM
39. 2026-06-21
    days on market $79,900 Active 100 DOM
40. 2026-06-19
    days on market $79,900 Active 98 DOM
41. 2026-06-18
    days on market $79,900 Active 97 DOM
42. 2026-06-17
    days on market $79,900 Active 96 DOM
43. 2026-06-16
    days on market $79,900 Active 95 DOM
44. 2026-06-15
    days on market $79,900 Active 94 DOM
45. 2026-06-14
    days on market $79,900 Active 92 DOM
46. 2026-06-12
    days on market $79,900 Active 91 DOM
47. 2026-06-09
    days on market $79,900 Active 88 DOM
48. 2026-06-08
    days on market $79,900 Active 87 DOM
49. 2026-06-07
    days on market $79,900 Active 86 DOM
50. 2026-06-07
    days on market $79,900 Active 85 DOM

ⓘ 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: $214 · $18/mo
• Projected year-2 tax: $315 · $26/mo
• Expected delta: +$101/yr (+$8/mo · 47.1%)

ⓘ 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 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,902
• − Mortgage interest: −$4,301
• − Property taxes: −$214
• − Insurance: −$384
• − Repairs & maintenance: −$1,032
• − Management: −$1,032
• − Depreciation: −$2,233
• Taxable income: $3,706
• Est. tax owed @ 24.0%: −$889
• After-tax cash flow: $3,874/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.

Condition & rehab AI · 9 photos

Fair 45/100 Moderate rehab Est. rehab $24,000–$43,200 screening

The home requires moderate renovations to update the kitchen and bathrooms, and some maintenance to the exterior and interior. Landscaping and curb appeal improvements would significantly increase its value.

Components & finishes AI

Roof asphalt shingle · good Flooring carpet

Deferred maintenance Est. $2,500–$10,000 screening

• Minor Roof (roof) — No visible signs of damage or wear on the roof.
• Minor Windows (windows) — No visible signs of damage or wear on the windows.
• Minor Electrical (electrical) — No visible signs of damage or wear on the electrical components.
• Minor Plumbing (plumbing) — No visible signs of damage or wear on the plumbing.
• Minor Exterior (exterior) — No visible signs of damage or wear on the exterior.

Repairs flagged

• Moderate Kitchen cabinets — Dated and in need of updating
• Moderate Kitchen appliances — Dated and in need of updating
• Moderate Bathroom fixtures — Standard fixtures, in need of updating

Value-add opportunities

• Resale New kitchen cabinets and appliances — Modernizing the kitchen will attract more buyers ↑
• Resale New bathroom fixtures — Updating the bathroom will improve the home's appeal ↑
• Both Landscaping and curb appeal improvements — Enhancing the exterior will increase both resale and rental value ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 15/100

Zoned Schools

Elementary Eufaula Primary School Middle Moorer Middle School F AL #204/257 Nat'l #12,557/14,009 High Eufaula High School F AL #220/305 Nat'l #15,534/17,239

Schools (NCES district)

• District: Eufaula City
• NCES district ID: 0101410
• Math proficiency: 10% ▼ -13.00%
• Reading proficiency: 38% ▲ 4.00%
• Median HH income: $34,467
• Composite: 19.63/100
• National rank: #8743
• State rank: #100 of 129 in AL

D Composite livability gradescore 51/100

Livability — Eufaula

• Score: 51/100
• State rank: #508
• US rank: #25138

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Eufaula, AL
• County: Barbour · 24,533 people
• Population (ZIP): 14,981
• Household income: $45,544
• Rent vs Own: 34.0% rent · 66.0% own
• Severe rent burden: 5% of renters

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Population outlook (Barbour County) Hauer SSP2

• Today (2025): 24,533 people
• By 2030: 23,439 · -4.5%
• By 2040: 21,129 · -13.9%
• By 2050: 18,982 · -22.6%
• By 2075: 14,114 · -42.5%
• By 2100: 9,180 · -62.6%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: Black 46% White 43% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 1% Serbian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 7%

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Political lean MEDSL · Barbour

• 2024 margin: R (+14.7) · D 42.3% · R 57.0%
• 2008→2024 swing: -13.3pp toward R · 2008: -1.4pp · 2024: -14.7pp
• All cycles: 2024: R+14.7 2020: R+7.7 2016: R+5.6 2012: D+2.9 2008: R+1.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.42%
• Current HPI: 151.8238
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

+34.3% since first listed

12 events — show timeline

• 2026-03-13 Listed $79,900 EBOR
• 2026-03-13 Listed $79,900 SAMLS
• 2026-03-13 Listed $79,900 GAMLS
• 2026-01-15 Relisted — SAMLS
• 2026-01-09 Pending — SAMLS
• 2025-12-23 Listed $85,000 SAMLS
• 2023-01-13 Sold (MLS) — EBOR
• 2023-01-12 Sold (Public Records) $56,000 Public Records
• 2022-12-13 Contingent — EBOR
• 2022-12-13 Contingent — SAMLS
• 2022-12-09 Listed $59,500 EBOR
• 2022-12-09 Listed $59,500 SAMLS

Property tax history

+7.0%/yr

Latest (2025): $214 · +8.2% YoY. Source: county tax records.