7032 Willow Walk Blvd SE · Huntsville, AL 35748

$346,900

4 bd · 3.0 ba · 2,106 sqft · SingleFamily · 13 Days on market

8,712 sqft lot Est $390k · 11% under $40/mo HOA · 1% 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).

• ARV discount +12.4/15.0
• Appreciation +10.0/10.0
• Cash flow +8.5/30.0
• Livability +4.1/5.0
• Schools +2.9/10.0
• 1% rule +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.3/10.0

Listing remarks

Under Construction-This Robinson floorplan invites you up to a covered porch. Inside a feeling of spaciousness without sacrificing coziness. The large kitchen opens to the living room & defined dining space, features crown molding, large island, granite or quartz countertops, stainless steel appliances, shaker style cabinets, sleek tile backsplash & walk-in corner pantry. Oversized primary suite overlooks backyard & has double vanity with granite or quartz countertops, tiled shower with glass door, soaking tub & oversized walk-in closet. LVP flooring throughout the living & wet areas, with carpet in the bedrooms. Photo are representational.

Key facts

• Covered porch
• Large kitchen
• Large island

Tags

• COVERED PORCH
• LARGE KITCHEN
• DEFINED DINING SPACE
• CROWN MOLDING
• LARGE ISLAND
• GRANITE OR QUARTZ COUNTERTOPS

Property features AI

Finance

• Other: HERS Index Score listed for green building verification
• HOA & community: Homeowners association with common grounds; Annual association fee of $475

Exterior

• Parking: Attached three-car garage with automatic door opener
• Utilities: Public water; Private sewer; Electric service
• Home design: Single-family residence; One story; New construction; Residential property
• Construction: Brick construction; Slab foundation
• Exterior features: Curb and gutters; Sidewalk; Underground utilities; Concrete driveway; Covered patio; Covered porch

Interior

• Kitchen: Range; Dishwasher; Microwave; Garbage disposal
• Bathrooms: Three full bathrooms
• Heating & cooling: Central heating; Central cooling; Thermostat (energy-efficient)
• Interior features: Double-pane windows; Low-flow plumbing fixtures; Security system
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $347k.

Deal economics

• At list price, monthly cash flow is $-304 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $303k (12.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $270k (22.2% below list).
• Recommended offer: $270k (22.2% below list) — sets the bar for 1% rule.
• Cap rate 5.2% vs local median 3.8% in Huntsville — 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 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: Hampton Cove Elementary (math 60% / reading 77%, grade B+, #32 of 627 statewide, top 5%, 684 students, 9% FRL); Hampton Cove Middle School (math 45% / reading 72%, grade B, #12 of 257 statewide, top 4%, 735 students, 11% FRL); Huntsville High School (math 41% / reading 51%, grade D-, #18 of 305 statewide, top 6%, 1,826 students, 28% FRL) — zoned schools average 16% FRL vs 46% district-wide (31 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 58% at this address vs 34% district-wide (+24 pts) — the actual schools serving this property are materially stronger than the Huntsville City average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 183 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• In year one you build about $37k of equity ($2k loan paydown + $35k 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 ~$60k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 8→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $270,000 (22.2% 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: 0.78% ✗
• Cap rate: 5.24%
• Cash-on-cash: -3.76%
• DSCR: 0.83
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $389,610
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7104 Raquel Cir SE	0.45mi	4/3.0	2,019 (-4%)	1mo	$383,520	$190	72
8516 Sophia Nicolle Ct SE	0.48mi	4/3.0	2,019 (-4%)	1mo	$375,900	$186	70
7105 Raquel Cir SE	0.48mi	4/3.0	2,019 (-4%)	3mo	$373,900	$185	68
8508 Sophia Nicolle Ct SE	0.52mi	4/3.0	2,019 (-4%)	4mo	$337,170	$167	66
7108 Raquel Cir SE	0.43mi	4/3.0	2,361 (+12%)	3mo	$434,580	$184	57
7103 Raquel Cir	0.49mi	4/3.0	2,361 (+12%)	2mo	$407,900	$173	55
8512 Sophia Nicolle Ct SE	0.51mi	4/3.0	2,377 (+13%)	3mo	$380,000	$160	53
8510 Sophia Nicolle Ct SE	0.52mi	4/3.0	2,377 (+13%)	3mo	$408,900	$172	52
8500 Sophia Nicolle Ct SE	0.58mi	4/3.0	2,361 (+12%)	3mo	$389,900	$165	50
8843 Old Middlestown Rd SE	0.72mi	3/2.0 (-1)	1,953 (-7%)	1mo	$368,860	$189	44
8839 Old Middlestown Rd SE	0.74mi	3/2.0 (-1)	1,953 (-7%)	2mo	$360,807	$185	42
8845 Old Middlestown Rd SE	0.71mi	3/2.0 (-1)	1,858 (-12%)	2mo	$364,530	$196	36

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.6%
• Equity multiple: 2.75×
• Total profit: $169,612
• Equity at exit: $312,515

10-year hold

• IRR: 19.5%
• Equity multiple: 6.30×
• Total profit: $514,853
• Equity at exit: $673,950

Cash invested: $97,132 (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 35748

• Home prices YoY: 4.0%
• Active inventory: 183
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $2,700 medium
• Mortgage (P&I): −$1,819
• Tax est. 1.5%: −$434 /mo · $5,204/yr
• Insurance: −$145
• HOA: −$40
• Vacancy / Maint / Mgmt: −$567
• Net cashflow: $-304

Break-even live

Break-even rent $3,085

Max offer price $302,860

Occupancy floor —

Sensitivity live

Price	-10% $-65	-5% $-184	+0% $-304	+5% $-424	+10% $-544
Rent	-10% $-518	-5% $-411	+0% $-304	+5% $-198	+10% $-91
Rate	-1.0pp $-130	-0.5pp $-216	base $-304	+0.5pp $-394	+1.0pp $-486

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: $86,725
• Closing costs: $10,407
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9041 Mountain Preserve Blvd SE Gurley, AL	3.0	2.0	1833	$2,700	$1.47	15d	1	0.97mi

HOA detail

• Monthly dues: $40 · $480/yr

Listing history 9 events

1. 2026-06-22
   days on market $346,900 Active 13 DOM
2. 2026-06-18
   days on market $346,900 Active 10 DOM
3. 2026-06-17
   days on market $346,900 Active 9 DOM
4. 2026-06-16
   days on market $346,900 Active 8 DOM
5. 2026-06-15
   days on market $346,900 Active 7 DOM
6. 2026-06-14
   days on market $346,900 Active 5 DOM
7. 2026-06-10
   days on market $346,900 Active 2 DOM
8. 2026-06-09
   remarks 658-char remark
9. 2026-06-09
   listed $346,900 Active 1 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 5/10 Major 8 d/yr ≥105°F today · 23 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 21% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,400
• − Mortgage interest: −$19,432
• − Property taxes: −$5,204
• − Insurance: −$1,734
• − Repairs & maintenance: −$2,592
• − Management: −$2,592
• − HOA: −$480
• − Depreciation: −$10,092
• Taxable loss: −$9,725
• Est. tax savings @ 24.0%: +$2,334
• After-tax cash flow: $-1,318/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
• City population: 220,435
• Population (ZIP): 7,311

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: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 3% Black 3%
• Common ancestry: Lithuanian 5% Slovak 4% Italian 1%
• Foreign-born: 1%
• Languages at home: 97% English-only · French/Haitian/Cajun 1% Other Indo-European 1% Tagalog/Filipino 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: ▲ 13.02%
• Current HPI: 337.7613
• 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 $346,900 VMLS