847 Marble City Heights Cir · Sylacauga, AL 35150

$129,900

3 bd · 2.0 ba · 960 sqft · SingleFamily public records · 229 Days on market

Built 1945 0.69 ac lot $135/sqft · 6% below area Est $187k · 31% under

---

Why this score? — see what drove the C 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 +21.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• 1% rule +4.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Check this 3 bedroom, 2 bathroom house located in Sylacauga!! All renovated inside from granite counters to luxury flooring!! On the outside is a 2-car garage!

Key facts

• 0.69 acre lot
• 2 garage spots
• Built 1945

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $187 ($2k/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 $120k (7.7% below list).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.3% in Sylacauga — 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 64/100 on livability (#157 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A-; Watch: schools D+, crime F, amenities F.
• Talladega County (rural): math 15% / reading 44% proficiency, ranked #75 of 129 in AL (top 58%) — 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: 135 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 189 units permitted in Talladega County in 2024 (6 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Talladega County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 229 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 14y 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 $102k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 47% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $114,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 229 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1945 — 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 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. 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: 0.92% ✗
• Cap rate: 8.02%
• Cash-on-cash: 6.15%
• DSCR: 1.27
• GRM: 9.0

CMA / ARV

• ARV (median comp): $187,080
• List price: $129,900
• Delta: -30.56%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
176 Lewis Ave	0.64mi	3/1.0	938 (-2%)	12mo	$135,000	$144	52

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: -6.9%
• Equity multiple: 0.75×
• Total profit: $-9,237
• Equity at exit: $19,369

10-year hold

• IRR: 2.7%
• Equity multiple: 1.19×
• Total profit: $6,983
• Equity at exit: $11,231

Cash invested: $36,372 (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 35150

• Home prices YoY: -7.9%
• Active inventory: 135
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,199 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$25 /mo · $304/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $187

Break-even live

Break-even rent $963

Max offer price $129,900

Occupancy floor 79%

Sensitivity live

Price	-10% $260	-5% $223	+0% $187	+5% $150	+10% $113
Rent	-10% $92	-5% $139	+0% $187	+5% $234	+10% $281
Rate	-1.0pp $252	-0.5pp $220	base $187	+0.5pp $153	+1.0pp $119

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2301 Motes Rd Sylacauga, AL	3.0	2.5	678	$1,199	$1.77	45d	1	0.32mi

Listing history 35 events

1. 2026-06-21
   statusdays on market $129,900 Contingent 229 DOM
2. 2026-06-19
   days on market $129,900 Active 227 DOM
3. 2026-06-18
   days on market $129,900 Active 226 DOM
4. 2026-06-17
   days on market $129,900 Active 225 DOM
5. 2026-06-16
   days on market $129,900 Active 224 DOM
6. 2026-06-15
   days on market $129,900 Active 223 DOM
7. 2026-06-14
   days on market $129,900 Active 221 DOM
8. 2026-06-13
   days on market $129,900 Active 220 DOM
9. 2026-06-10
   days on market $129,900 Active 218 DOM
10. 2026-06-09
    days on market $129,900 Active 217 DOM
11. 2026-06-08
    days on market $129,900 Active 216 DOM
12. 2026-06-07
    days on market $129,900 Active 215 DOM
13. 2026-06-05
    days on market $129,900 Active 212 DOM
14. 2026-06-03
    days on market $129,900 Active 211 DOM
15. 2026-06-02
    days on market $129,900 Active 210 DOM
16. 2026-06-01
    days on market $129,900 Active 209 DOM
17. 2026-05-31
    days on market $129,900 Active 208 DOM
18. 2026-05-30
    days on market $129,900 Active 207 DOM
19. 2026-01-16
    price $129,900 159-char remark

    Show marketing remark (159 chars)

    Check this 3 bedroom, 2 bathroom house located in Sylacauga!! All renovated inside from granite counters to luxury flooring!! On the outside is a 2-car garage!

20. 2025-11-04
    listed $132,000 Active 159-char remark

    Show marketing remark (159 chars)

    Check this 3 bedroom, 2 bathroom house located in Sylacauga!! All renovated inside from granite counters to luxury flooring!! On the outside is a 2-car garage!

21. 2024-12-15
    historical $1,000
22. 2024-11-27
    price $1,000
23. 2024-11-22
    price $1,025
24. 2024-11-14
    price $1,075
25. 2024-11-07
    price $1,095
26. 2024-10-24
    price $1,125
27. 2024-10-10
    price $1,150
28. 2024-09-26
    price $1,175
29. 2024-09-10
    listed $1,195
30. 2020-06-08
    soldstatus $102,000
31. 2020-06-03
    soldstatus $102,000 111-char remark

    Show marketing remark (111 chars)

    Adorable house in Sylacauga with 3 bedrooms and 2 bathrooms. Perfect area for the best place that build enough.

32. 2020-04-19
    listed $102,000 111-char remark

    Show marketing remark (111 chars)

    Adorable house in Sylacauga with 3 bedrooms and 2 bathrooms. Perfect area for the best place that build enough.

33. 2020-01-28
    soldstatus $246,300
34. 2013-11-21
    soldstatus $12,000
35. 2012-08-16
    listed $18,000

ⓘ 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: $304 · $25/mo
• Projected year-2 tax: $533 · $44/mo
• Expected delta: +$228/yr (+$19/mo · 74.9%)

ⓘ 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 6/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 47% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,388
• − Mortgage interest: −$7,276
• − Property taxes: −$304
• − Insurance: −$650
• − Repairs & maintenance: −$1,151
• − Management: −$1,151
• − Depreciation: −$3,779
• Taxable income: $77
• Est. tax owed @ 24.0%: −$18
• After-tax cash flow: $2,220/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: Talladega County
• NCES district ID: 0103180
• Math proficiency: 15% ▼ -24.00%
• Reading proficiency: 44% ▲ 3.00%
• Median HH income: $37,715
• Composite: 24.5/100
• National rank: #7650
• State rank: #75 of 129 in AL

Livability — Sylacauga

• Score: 64/100
• State rank: #157
• US rank: #14297

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 17,118
• Population (ZIP): 17,118

Population outlook (Talladega County) Hauer SSP2

• Today (2025): 78,905 people
• By 2030: 77,160 · -2.2%
• By 2040: 72,937 · -7.6%
• By 2050: 68,279 · -13.5%
• By 2075: 57,884 · -26.6%
• By 2100: 47,220 · -40.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (62%)
• Race & ethnicity: White 62% Black 32% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Hispanic 1% Italian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Talladega

• 2024 margin: Solid R (+33.8) · D 32.9% · R 66.6%
• 2008→2024 swing: -15.3pp toward R · 2008: -18.5pp · 2024: -33.8pp
• All cycles: 2024: R+33.8 2020: R+25.5 2016: R+25.6 2012: R+16.0 2008: R+18.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.65%
• Current HPI: 240.527
• 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

+621.7% since first listed

17 events — show timeline

• 2026-01-16 Price Changed $129,900 Greater Alabama MLS
• 2025-11-04 Listed $132,000 Greater Alabama MLS
• 2024-12-15 Rental Removed $1,000 SHOWMOJO
• 2024-11-27 Price Changed $1,000 SHOWMOJO
• 2024-11-22 Price Changed $1,025 SHOWMOJO
• 2024-11-14 Price Changed $1,075 SHOWMOJO
• 2024-11-07 Price Changed $1,095 SHOWMOJO
• 2024-10-24 Price Changed $1,125 SHOWMOJO
• 2024-10-10 Price Changed $1,150 SHOWMOJO
• 2024-09-26 Price Changed $1,175 SHOWMOJO
• 2024-09-10 Listed for Rent $1,195 SHOWMOJO
• 2020-06-08 Sold (Public Records) $102,000 Public Records
• 2020-06-03 Sold (MLS) $102,000 Greater Alabama MLS
• 2020-04-19 Listed $102,000 Greater Alabama MLS
• 2020-01-28 Sold (Public Records) $246,300 Public Records
• 2013-11-21 Sold (MLS) $12,000 Greater Alabama MLS
• 2012-08-16 Listed $18,000 Greater Alabama MLS

Property tax history

+3.3%/yr

Latest (2025): $304 · +0.0% YoY. Source: county tax records.