196 Valley Loop · Winfield, AL 35594

$65,000

3 bd · 1.0 ba · 1,224 sqft · SingleFamily public records · 11 Days on market

Built 1965

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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 +26.1/30.0
• DSCR +8.8/10.0
• ARV discount +7.5/15.0
• 1% rule +5.8/10.0
• Schools +4.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Nestled in a secluded setting, this three-bedroom, one-bath residence offers the kind of foundation that visionaries search for. Surrounded by privacy and complemented by both an attached carport and detached workshop, the property presents a unique chance to create something truly special. While the home does require repairs and updates, the essentials are already in place. A durable metal roof provides peace of mind, and the structure itself offers solid bones ready for transformation. Whether you're an investor seeking your next project, a homeowner looking to customize a property from the ground up, or someone who appreciates the value of untapped potential, this property deserves a clo

Key facts

• Durable metal roof
• Attached carport
• Detached workshop

Tags

• ATTACHED CARPORT
• DETACHED WORKSHOP
• DURABLE METAL ROOF

Property features AI

Exterior

• Parking: Carport (1 covered parking space)
• Utilities: Public water; Septic tank sewage
• Home design: Single-family residence; Residential property; R-1 zoning
• Construction: Frame construction with vinyl siding; Metal roof; Built on crawl space
• Exterior features: Front porch; Outbuilding on the property

Interior

• Bedrooms: Total of 7 rooms (bedroom count not specified separately)
• Flooring: Wood and other flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Wood and other flooring; Crawl space basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $165 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($700 rent vs $65k).
• Cap rate 9.3% vs local median 2.8% in Winfield — 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 67/100 on livability (#84 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: health & safety D, amenities F, commute F.
• Winfield City (rural): math 36% / reading 59% proficiency, ranked #15 of 129 in AL (top 12%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 50 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1 units permitted in Marion County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $449 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Marion County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $65,000

Questions for the listing agent

1. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.08% ✓
• Cap rate: 9.33%
• Cash-on-cash: 10.86%
• DSCR: 1.48
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $173,808
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
106 Stratford Ln	0.40mi	3/2.0	1,388 (+13%)	1mo	$197,500	$142	54
149 Beech Ave	0.58mi	3/2.0	1,075 (-12%)	15mo	$103,000	$96	37

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: -0.1%
• Equity multiple: 1.00×
• Total profit: $-66
• Equity at exit: $9,692

10-year hold

• IRR: 9.5%
• Equity multiple: 1.73×
• Total profit: $13,346
• Equity at exit: $5,620

Cash invested: $18,200 (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 35594

• Home prices YoY: -12.8%
• Active inventory: 50
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $700 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$20 /mo · $243/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$147
• Net cashflow: $165

Break-even live

Break-even rent $491

Max offer price $65,000

Occupancy floor 71%

Sensitivity live

Price	-10% $202	-5% $183	+0% $165	+5% $146	+10% $128
Rent	-10% $109	-5% $137	+0% $165	+5% $192	+10% $220
Rate	-1.0pp $198	-0.5pp $181	base $165	+0.5pp $148	+1.0pp $131

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
226 Medical Dr Unit 44 Winfield, AL	2.0	1.5	1200	$700	$0.58	44d	1	1.16mi

Listing history 9 events

1. 2026-06-19
   days on market $65,000 Active 11 DOM
2. 2026-06-18
   days on market $65,000 Active 10 DOM
3. 2026-06-17
   days on market $65,000 Active 9 DOM
4. 2026-06-16
   days on market $65,000 Active 8 DOM
5. 2026-06-15
   days on market $65,000 Active 7 DOM
6. 2026-06-14
   days on market $65,000 Active 5 DOM
7. 2026-06-12
   days on market $65,000 Active 4 DOM
8. 2026-06-09
   remarks 699-char remark
9. 2026-06-09
   listed $65,000 Active 1 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: $243 · $20/mo
• Projected year-2 tax: $266 · $22/mo
• Expected delta: +$23/yr (+$2/mo · 9.5%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $8,400
• − Mortgage interest: −$3,641
• − Property taxes: −$243
• − Insurance: −$325
• − Repairs & maintenance: −$672
• − Management: −$672
• − Depreciation: −$1,891
• Taxable income: $956
• Est. tax owed @ 24.0%: −$229
• After-tax cash flow: $1,748/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: Winfield City
• NCES district ID: 0103540
• Math proficiency: 36% ▼ -22.00%
• Reading proficiency: 59% ▲ 6.00%
• Median HH income: $39,006
• Composite: 39.57/100
• National rank: #3930
• State rank: #15 of 129 in AL

Livability — Winfield

• Score: 67/100
• State rank: #84
• US rank: #10852

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Winfield, AL
• City population: 7,441
• Population (ZIP): 7,441

Population outlook (Marion County) Hauer SSP2

• Today (2025): 28,759 people
• By 2030: 27,834 · -3.2%
• By 2040: 25,974 · -9.7%
• By 2050: 24,129 · -16.1%
• By 2075: 20,179 · -29.8%
• By 2100: 16,341 · -43.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Black 3% Asian 1%
• Common ancestry: Slovak 6% Lithuanian 5% Serbian 1%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+81.7) · D 8.8% · R 90.5%
• 2008→2024 swing: -25.6pp toward R · 2008: -56.1pp · 2024: -81.7pp
• All cycles: 2024: R+81.7 2020: R+77.8 2016: R+76.2 2012: R+61.5 2008: R+56.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.46%
• Current HPI: 159.533
• 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

1 event — show timeline

• 2026-06-08 Listed $65,000 Walker County Area MLS

Property tax history

-4.1%/yr

Latest (2025): $243 · +4.8% YoY. Source: county tax records.