108 Sunset Dr · Eufaula, AL 36027

$79,900

3 bd · 1.0 ba · 960 sqft · SingleFamily public records · 98 Days on market

Built 1959 0.26 ac lot $83/sqft · 29% below area Est $113k · 29% 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 +8.3/10.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• 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. This home is being sold "as-is"

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 $80k.

Deal economics

• At list price, monthly cash flow is $369 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $73k (9.0% below list) — sets the bar for market timing.
• Cap rate 11.8% vs local median 3.4% 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: schools F, crime F, amenities 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.
• Market conditions: 211 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 $552 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 $22k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 98 days — a 9% lower offer ($73k) 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; 43% 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 $72,709 (9.0% below list)

Questions for the listing agent

1. It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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. 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: 1.33% ✓
• Cap rate: 11.84%
• Cash-on-cash: 19.81%
• DSCR: 1.88
• GRM: 6.3

CMA / ARV

• ARV (median comp): $112,516
• List price: $79,900
• Delta: -28.99%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 11.9%
• Equity multiple: 1.47×
• Total profit: $10,541
• Equity at exit: $11,913

10-year hold

• IRR: 20.8%
• Equity multiple: 2.76×
• Total profit: $39,328
• Equity at exit: $6,908

Cash invested: $22,372 (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 36027

• Home prices YoY: -27.1%
• Active inventory: 211
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,063 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$18 /mo · $214/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$223
• Net cashflow: $369

Break-even live

Break-even rent $595

Max offer price $79,900

Occupancy floor 60%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Listing history 28 events

1. 2026-06-19
   days on market $79,900 Active 98 DOM
2. 2026-06-18
   days on market $79,900 Active 97 DOM
3. 2026-06-17
   days on market $79,900 Active 96 DOM
4. 2026-06-16
   days on market $79,900 Active 95 DOM
5. 2026-06-15
   days on market $79,900 Active 94 DOM
6. 2026-06-14
   days on market $79,900 Active 92 DOM
7. 2026-06-12
   days on market $79,900 Active 91 DOM
8. 2026-06-09
   days on market $79,900 Active 88 DOM
9. 2026-06-08
   days on market $79,900 Active 87 DOM
10. 2026-06-07
    days on market $79,900 Active 86 DOM
11. 2026-06-07
    days on market $79,900 Active 85 DOM
12. 2026-06-04
    days on market $79,900 Active 82 DOM
13. 2026-06-02
    days on market $79,900 Active 81 DOM
14. 2026-06-01
    days on market $79,900 Active 80 DOM
15. 2026-05-31
    days on market $79,900 Active 79 DOM
16. 2026-05-31
    days on market $79,900 Active 78 DOM
17. 2026-03-13
    listed $79,900 New 451-char remark

    Show marketing remark (450 chars)

    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. This home is being sold "as-is"

18. 2026-03-13
    listed $79,900 Active 450-char remark

    Show marketing remark (450 chars)

    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. This home is being sold "as-is"

19. 2026-03-13
    listed $79,900 Active

    Show marketing remark (450 chars)

    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. This home is being sold "as-is"

20. 2026-01-15
    status Active
21. 2026-01-09
    status Pending
22. 2025-12-23
    listed $85,000 Active
23. 2023-01-13
    soldstatus Closed
24. 2023-01-12
    soldstatus $56,000
25. 2022-12-13
    historical Active Under Contract
26. 2022-12-13
    historical Active Under Contract
27. 2022-12-09
    listed $59,500 Active
28. 2022-12-09
    listed $59,500 Active

ⓘ 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: $328 · $27/mo
• Expected delta: +$114/yr (+$9/mo · 53.1%)

ⓘ 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: $12,751
• − Mortgage interest: −$4,476
• − Property taxes: −$214
• − Insurance: −$400
• − Repairs & maintenance: −$1,020
• − Management: −$1,020
• − Depreciation: −$2,324
• Taxable income: $3,298
• Est. tax owed @ 24.0%: −$791
• After-tax cash flow: $3,640/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: 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

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
• Population (ZIP): 14,981

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%

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%

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

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.