103 Mountain Laurel Rd · Pine Level, AL 36066

$215,000

3 bd · 1.0 ba · 1,320 sqft · SingleFamily public records · 9 Days on market

Built 2015 0.35 ac lot Est $205k · 5% over

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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).

• Cash flow +13.7/30.0
• ARV discount +5.2/15.0
• DSCR +4.1/10.0
• 1% rule +3.8/10.0
• Rent growth +3.2/5.0
• Schools +3.2/10.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This newly completed home is ready for an owner! The covered front stoop leads into a hard tiled entryway and a spacious family room with soaring ceilings. The kitchen offers brand new appliances to include a refrigerator. It also has a closet style pantry. The breakfast room is nice sized and is filled with natural light from windows overlooking the backyard. Both the kitchen and breakfast room have neutral colored hard tile. The Master suite also has a soaring ceiling. It boasts not one, but TWO walk-in closets! The bathroom has a double sink vanity and hard tile flooring. A transom window above the shower provides additional light. Both guest bedrooms are spacious and offer walk-in closets. A hall bath with hard tile flooring is convenient to both the guest bedrooms and the living areas. The laundry room has shelving above the washer/dryer space and a door leading to a very nice back deck. The backyard offers plenty of space for playing or gardening. A long driveway and double space parking pad offer plenty of parking space. Laurel Hills offers quiet, peaceful living in a country setting with city conveniences just minutes away. This home is just seconds from Interstate 65, allowing an easy commute to Montgomery. The shopping and eating establishment of Prattville East are less than 10 minutes away. It's also just a few minutes away from the popular Pine Level Elementary School and the new Marbury High.

Key facts

• Dbl basin vanity
• Walk-in closets
• Backyard space

Tags

• LOW MAINTENANCE EXTERIOR
• SPLIT BEDROOM FLOORPLAN
• WALK-IN CLOSETS
• GARDEN TUB
• DBL BASIN VANITY
• BACKYARD SPACE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $17 ($200/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 $190k (11.5% below list).
• Recommended offer: $190k (11.5% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 2.8% in Pine Level — 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 61/100 on livability (#246 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Autauga County (rural): math 23% / reading 50% proficiency, ranked #34 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Pine Level Elementary School (math 34% / reading 53%, grade F, #202 of 627 statewide, top 32%, 972 students, 55% FRL); Marbury Middle School (math 9% / reading 42%, grade F, #158 of 257 statewide, top 63%, 456 students, 56% FRL); Marbury High School (math 22% / reading 27%, grade F, #118 of 305 statewide, top 45%, 559 students, 55% FRL) — zoned schools average 55% FRL vs 39% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.9%/yr); 239 active listings in the ZIP; solid renter incomes; 221 units permitted in Autauga County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Autauga County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 27y ago; this cycle's ask has dropped $60k (22%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $110k; list at $215k implies a 95% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 76% chance of damaging wind over 30y; moderate 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 $190,186 (11.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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.
5. 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.
6. 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: 0.88% ✗
• Cap rate: 6.39%
• Cash-on-cash: 0.33%
• DSCR: 1.01
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $204,600
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
176 Laurel Hill Dr	0.22mi	3/2.0	1,315 (-0%)	5mo	$215,000	$163	81
104 Mountain Laurel Rd	0.05mi	3/2.0	1,280 (-3%)	9mo	$208,000	$163	81
165 Laurel Hill Dr	0.30mi	3/2.0	1,306 (-1%)	5mo	$215,000	$165	76
156 Laurel Hill Dr	0.37mi	3/2.0	1,324 (+0%)	9mo	$205,000	$155	71
185 Laurel Hill Dr	0.19mi	3/2.0	1,268 (-4%)	14mo	$200,000	$158	69
105 Mountain Laurel Rd	0.02mi	3/2.0	1,389 (+5%)	22mo	$205,000	$148	68
104 Laurel Hill Dr	0.23mi	3/2.0	1,164 (-12%)	2mo	$158,000	$136	63
173 Laurel Hill Dr	0.30mi	4/2.0 (+1)	1,516 (+15%)	3mo	$232,500	$153	50
135 Laurel Hill Dr	0.40mi	3/2.0	1,243 (-6%)	22mo	$217,000	$175	49
112 Laurel Hill Dr	0.30mi	3/2.0	1,164 (-12%)	22mo	$180,000	$155	44
1809 County Road 107	0.48mi	3/2.0	1,511 (+14%)	19mo	$172,000	$114	34

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 · 2.86% rent growth · sell at horizon

5-year hold

• IRR: -15.9%
• Equity multiple: 0.43×
• Total profit: $-34,017
• Equity at exit: $32,057

10-year hold

• IRR: -7.7%
• Equity multiple: 0.51×
• Total profit: $-29,234
• Equity at exit: $18,589

Cash invested: $60,200 (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 36066

• Home prices YoY: -13.4%
• Rents YoY: 2.9%
• Active inventory: 239
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,902 medium
• Mortgage (P&I): −$1,127
• Tax est. 1.5%: −$269 /mo · $3,225/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$399
• Net cashflow: $17

Break-even live

Break-even rent $1,881

Max offer price $215,000

Occupancy floor 94%

Sensitivity live

Price	-10% $165	-5% $91	+0% $17	+5% $-58	+10% $-132
Rent	-10% $-134	-5% $-58	+0% $17	+5% $92	+10% $167
Rate	-1.0pp $125	-0.5pp $71	base $17	+0.5pp $-39	+1.0pp $-96

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-06-22
   days on market $215,000 Active 9 DOM
2. 2026-06-18
   days on market $215,000 Active 6 DOM
3. 2026-06-17
   days on market $215,000 Active 5 DOM
4. 2026-06-16
   days on market $215,000 Active 4 DOM
5. 2026-06-15
   days on market $215,000 Active 3 DOM
6. 2026-06-13
   remarks 385-char remark
7. 2026-06-13
   pricedays on marketlisting id $215,000 Active 1 DOM
8. 2026-06-10
   days on market $275,000 Active 5 DOM
9. 2026-06-09
   days on market $275,000 Active 4 DOM
10. 2026-06-08
    days on market $275,000 Active 3 DOM
11. 2026-06-07
    remarks 86-char remark
12. 2026-06-07
    listed $275,000 Active 2 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,822
• − Mortgage interest: −$12,043
• − Property taxes: −$3,225
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,826
• − Management: −$1,826
• − Depreciation: −$6,255
• Taxable loss: −$3,427
• Est. tax savings @ 24.0%: +$823
• After-tax cash flow: $1,022/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: Autauga County
• NCES district ID: 0100240
• Math proficiency: 23% ▼ -31.00%
• Reading proficiency: 50% ▼ -5.00%
• Median HH income: $52,974
• Composite: 31.77/100
• National rank: #5892
• State rank: #34 of 129 in AL

Livability — Pine Level

• Score: 61/100
• State rank: #246
• US rank: #17675

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Level, AL
• County: Autauga County · 50,925 people
• Metro: Montgomery, AL
• Population (ZIP): 22,632
• Household income: $86,278
• Rent vs Own: 36.6% rent · 63.4% own
• Severe rent burden: 683.0

Population outlook (Autauga County) Hauer SSP2

• Today (2025): 55,958 people
• By 2030: 55,810 · -0.3%
• By 2040: 54,892 · -1.9%
• By 2050: 53,062 · -5.2%
• By 2075: 49,425 · -11.7%
• By 2100: 45,110 · -19.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Black 21% Two or more races 5% Hispanic / Latino 4% Asian 2%
• Common ancestry: Slovak 3% Lithuanian 2% Serbian 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 92% English-only · Spanish 3% Other Asian/Pacific 1% Tagalog/Filipino 1%

Political lean MEDSL · Autauga

• 2024 margin: Solid R (+46.3) · D 26.4% · R 72.7%
• 2008→2024 swing: +1.6pp toward D · 2008: -47.8pp · 2024: -46.3pp
• All cycles: 2024: R+46.3 2020: R+44.4 2016: R+49.5 2012: R+46.0 2008: R+47.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -30.80%
• Current HPI: 198.2636
• Rent YoY: ▲ 2.86%
• Metro: Montgomery, 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

+223.9% since first listed

7 events — show timeline

• 2026-06-06 Listed $275,000 FSBO.com
• 2015-04-27 Sold (Public Records) $110,000 Public Records
• 2015-04-27 Sold (MLS) $110,000 MAAR
• 2015-03-26 Listed $119,900 MAAR
• 1999-11-16 Sold (MLS) $84,900 MAAR
• 1999-11-12 Sold (Public Records) $84,900 Public Records
• 1999-06-08 Listed $84,900 MAAR

Property tax history

+1.5%/yr

Latest (2025): $370 · +8.5% YoY. Source: county tax records.