6315 Taramore Ln · Huntsville, AL 35806

$280,850

3 bd · 2.5 ba · 1,941 sqft · SingleFamily · 14 Days on market

Built 2026 4,356 sqft lot Est $293k · at est. $33/mo HOA · 2% of rent

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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).

• Appreciation +10.0/10.0
• ARV discount +9.4/15.0
• Cash flow +6.2/30.0
• Livability +4.1/5.0
• Rent growth +3.1/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• DSCR +0.5/10.0

Listing remarks

Under Construction-The Wallace. Step into the comfort of your home & make your way to the social hub where the kitchen, family & dining area flow seamlessly together. Gather around the quartz island in the kitchen sharing stories about your day. Step out back to the patio & throw some food on the grill. Retreat upstairs to the spacious primary suite with trey ceiling & enjoy a soak in the garden tub. Dual sinks, a separate shower & walk-in closet. The other 2 bedrooms & loft also feature trey ceilings. Plenty of room for cars & toys in the 2 car garage. Visuals feature a similar home for inspiration. Pricing is the base starting point; final price v

Key facts

• Dual sinks
• Quartz island
• Separate shower

Tags

• KITCHEN FAMILY DINING AREA
• QUARTZ ISLAND
• PATIO
• GARDEN TUB
• DUAL SINKS
• SEPARATE SHOWER

Property features AI

Finance

• Other: Approximately 0.1 acre lot (about 4,356 sq ft); Living area listed as 1,941 square feet; Property listed as residential, new single-family home
• HOA & community: Homeowners association with an annual fee of $395; Subdivision: Ashton Springs

Exterior

• Parking: Two-car garage with automatic garage door opener
• Utilities: Public water; Public sewer; Electric power (implied by electric heating)
• Home design: Single-family residence; New construction (2026); Two-level home; Facing and entry details not provided
• Construction: Built in 2026; Foam insulation construction materials; Slab foundation; Shingle roof details not provided
• Exterior features: Public water; Public sewer; Playground in community; Sidewalks; Street lights

Interior

• Kitchen: Range; Dishwasher; Microwave; Garbage disposal
• Bedrooms: Total of 3 bedrooms
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (electric); Central cooling
• Interior features: Double pane windows; Water heater; Powered roof vent; Thermostat; Spray foam insulation
• Laundry & utility: Washer/dryer hookups (utility information not separately listed)

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $281k.

Deal economics

• At list price, monthly cash flow is $-515 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $206k (26.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $185k (34.3% below list).
• Recommended offer: $185k (34.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Huntsville City (urban): math 21% / reading 46% proficiency, ranked #48 of 129 in AL (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Providence Elementary (math 14% / reading 42%, grade F, #385 of 627 statewide, top 62%, 848 students, 52% FRL); Williams Middle School (math 16% / reading 50%, grade F, #101 of 257 statewide, top 40%, 548 students, 58% FRL); Columbia High School (math 12% / reading 17%, grade F, #220 of 305 statewide, top 77%, 954 students, 50% FRL).
• Market conditions: Rents rising (+2.6%/yr); 213 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• In year one you build about $30k of equity ($2k loan paydown + $28k appreciation (10.0% local appreciation)).
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$48k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,633 (34.3% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.66% ✗
• Cap rate: 4.09%
• Cash-on-cash: -7.86%
• DSCR: 0.65
• GRM: 12.7

CMA / ARV

• ARV (on-the-fly): $293,091
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6227 Taramore Ln	0.00mi	4/2.5 (+1)	1,941 (0%)	2mo	$284,752	$147	94
6023 Barringer Ct NW	0.16mi	3/2.5	1,950 (+0%)	2mo	$315,000	$162	90
7014 Camrose Ln NW	0.20mi	3/2.0	1,985 (+2%)	1mo	$299,900	$151	84
6220 Taramore Ln	0.03mi	3/2.5	1,768 (-9%)	1mo	$264,983	$150	83
6233 NW Taramore Ln	0.01mi	4/2.5 (+1)	2,077 (+7%)	1mo	$282,782	$136	82
6229 NW Taramore Ln #091	0.00mi	4/2.5 (+1)	2,077 (+7%)	2mo	$283,832	$137	82
6221 NW Taramore Ln	0.01mi	4/2.5 (+1)	2,077 (+7%)	2mo	$279,850	$135	82
7005 Nearpath Dr NW	0.15mi	4/2.0 (+1)	1,884 (-3%)	2mo	$323,000	$171	80
6608 Shearleaf Rd NW	0.17mi	4/3.0 (+1)	2,019 (+4%)	3mo	$366,008	$181	76
7203 Chatfield Way NW	0.16mi	4/2.5 (+1)	2,047 (+6%)	3mo	$290,000	$142	76
7009 Lost Creek Dr NW	0.24mi	4/2.0 (+1)	1,884 (-3%)	2mo	$308,000	$163	76
6577 Moon Crest Ln NW	0.22mi	4/2.0 (+1)	1,835 (-6%)	3mo	$365,000	$199	72

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 2.57% rent growth · sell at horizon

5-year hold

• IRR: 18.6%
• Equity multiple: 2.52×
• Total profit: $119,392
• Equity at exit: $253,012

10-year hold

• IRR: 17.2%
• Equity multiple: 5.78×
• Total profit: $375,908
• Equity at exit: $545,630

Cash invested: $78,638 (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 35806

• Home prices YoY: 20.0%
• Rents YoY: 2.6%
• Active inventory: 213
• Price-to-rent: 12.7×

Monthly cashflow live

• Estimated rent: $1,846 high
• Mortgage (P&I): −$1,473
• Tax est. 1.5%: −$351 /mo · $4,213/yr
• Insurance: −$117
• HOA: −$33
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $-515

Break-even live

Break-even rent $2,499

Max offer price $206,287

Occupancy floor —

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: $70,212
• Closing costs: $8,426
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7203 Chatfield Way NW Huntsville, AL	4.0	2.5	2047	$1,799	$0.88	43d	1	0.16mi
8223 Stone Mill Dr NW Huntsville, AL	3.0	2.5	2046	$2,300	$1.12	43d	1	0.47mi
7601 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1720	$1,720	$1.00	43d	1	0.62mi
7599 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1500	$1,720	$1.15	23d	1	0.62mi
7597 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1550	$1,800	$1.16	23d	1	0.63mi
7589 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1500	$1,720	$1.15	23d	1	0.65mi
7582 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1500	$1,720	$1.15	23d	1	0.65mi
7559 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1555	$2,450	$1.58	13d	1	0.71mi
7502 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1626	$1,825	$1.12	43d	1	0.83mi
7500 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1527	$1,822	$1.19	13d	7	0.84mi
351 Lofton Rd NW Huntsville, AL	4.0	2.5	2186	$2,315	$1.06	13d	1	0.93mi
1012 Scarlet Woods Huntsville, AL	2.0	2.0	1626	$1,699	$1.04	21d	1	1.48mi
41 Addison Park Dr Huntsville, AL	1.0–3.0	1.0–2.0	1155	$1,635	$1.42	13d	45	1.50mi

HOA detail

• Monthly dues: $33 · $396/yr

Listing history 11 events

1. 2026-06-18
   days on market $280,850 Active 14 DOM
2. 2026-06-17
   price $280,850 Active 13 DOM
3. 2026-06-17
   days on market $277,850 Active 13 DOM
4. 2026-06-16
   days on market $277,850 Active 12 DOM
5. 2026-06-15
   days on market $277,850 Active 11 DOM
6. 2026-06-14
   days on market $277,850 Active 9 DOM
7. 2026-06-10
   days on market $277,850 Active 6 DOM
8. 2026-06-09
   days on market $277,850 Active 5 DOM
9. 2026-06-08
   days on market $277,850 Active 4 DOM
10. 2026-06-07
    remarks 671-char remark
11. 2026-06-07
    listed $277,850 Active 3 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,156
• − Mortgage interest: −$15,732
• − Property taxes: −$4,213
• − Insurance: −$1,404
• − Repairs & maintenance: −$1,772
• − Management: −$1,772
• − HOA: −$396
• − Depreciation: −$8,170
• Taxable loss: −$11,304
• Est. tax savings @ 24.0%: +$2,713
• After-tax cash flow: $-3,470/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: Huntsville City
• NCES district ID: 0101800
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 46% ▬ 0.00%
• Median HH income: $48,264
• Composite: 28.84/100
• National rank: #6647
• State rank: #48 of 129 in AL

Livability — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, AL
• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 29,161
• Household income: $86,768
• Rent vs Own: 54.2% rent · 45.8% own
• Severe rent burden: 1249.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 392,086 people
• By 2030: 409,788 · +4.5%
• By 2040: 440,557 · +12.4%
• By 2050: 460,990 · +17.6%
• By 2075: 502,872 · +28.3%
• By 2100: 513,623 · +31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 58% Black 30% Hispanic / Latino 5% Two or more races 5% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Slovak 2% Italian 2% Serbian 2%
• Foreign-born: 7% · Canada, Vietnam, China
• Languages at home: 93% English-only · Spanish 2% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Madison

• 2024 margin: Lean R (+9.0) · D 44.7% · R 53.7% · Other 1.6%
• 2008→2024 swing: +6.0pp toward D · 2008: -14.9pp · 2024: -9.0pp
• All cycles: 2024: R+9.0 2020: R+8.0 2016: R+16.8 2012: R+18.7 2008: R+14.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 71.67%
• Current HPI: 430.5866
• Rent YoY: ▲ 2.57%
• Metro: Huntsville, 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

1 event — show timeline

• 2026-06-04 Listed $277,850 VMLS