155 Hazel Trce · Hazel Green, AL 35750

$264,900

3 bd · 1.0 ba · 1,705 sqft · SingleFamily public records · 70 Days on market

Built 2007 Est $268k · at est.

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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
• Cash flow +8.7/30.0
• ARV discount +8.0/15.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• 1% rule +1.4/10.0

Listing remarks

Full brick 3BR/2BA home w/ 2 car att garage, concrete patio & lg chain link fenced backyard—perfect for grilling and entertaining. Extended concrete driveway for additional parking. Smooth ceilings throughout. HW floors in foyer, LR, hallway & DR. Living room features propane FP, trey ceiling, crown molding, recessed lighting & ceiling fan. Eat-in kitchen w/ breakfast area, tile floors & SS appliances. Lg primary suite w/ trey ceiling, crown molding, ceiling fan & walk-in closet. Primary bath w/ jetted tub, sep shower & dual vanity. Seller offering flooring allowance for 2 BRs needing carpet.

Key facts

• Concrete patio
• Brick home
• Eat-in kitchen

Tags

• BRICK HOME
• CONCRETE PATIO
• FENCED BACKYARD
• EXTENDED CONCRETE DRIVEWAY
• HARDWOOD FLOORS
• EAT-IN KITCHEN

Property features AI

Finance

• HOA & community: No homeowners association; Subdivision: Hazelwood

Exterior

• Parking: Attached oversized two-car garage; Concrete driveway; See remarks
• Utilities: Public water; Septic tank
• Home design: Single-family residence; One story; Built in 2007; Residential property
• Construction: Brick construction; Slab foundation
• Exterior features: Concrete driveway; Patio

Interior

• Kitchen: Range; Dishwasher; Microwave; Disposal
• Bedrooms: 7 total rooms (bedroom count not specified)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Gas log fireplace (one)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $-222 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $226k (14.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $169k (36.1% below list).
• Recommended offer: $169k (36.1% below list) — sets the bar for 1% rule.
• Cap rate 5.3% vs local median 3.9% in Hazel Green — 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 69/100 on livability (#54 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment F.
• Madison County (rural): math 27% / reading 56% proficiency, ranked #19 of 129 in AL (top 15%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Hazel Green Elementary School (math 23% / reading 58%, grade F, #238 of 627 statewide, top 38%, 738 students, 50% FRL); Meridianville Middle School (math 19% / reading 62%, grade F, #56 of 257 statewide, top 22%, 724 students, 45% FRL); Hazel Green High School (math 23% / reading 31%, grade F, #90 of 305 statewide, top 35%, 1,348 students, 42% FRL) — zoned schools average 46% FRL vs 29% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 260 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• In year one you build about $28k of equity ($2k loan paydown + $26k 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 ~$46k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($249k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $169,262 (36.1% 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. It's been on market 70 days. Have you received any prior offers? Is the seller open to a 36% concession, seller financing, or rate buy-down credit?
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. 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: 0.64% ✗
• Cap rate: 5.29%
• Cash-on-cash: -3.60%
• DSCR: 0.84
• GRM: 13.0

CMA / ARV

• ARV (on-the-fly): $267,685
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
128 Honeycutt Rd	0.15mi	4/2.0 (+1)	1,739 (+2%)	1mo	$278,000	$160	80
145 Hazel Trce	0.11mi	3/2.0	1,600 (-6%)	1mo	$262,500	$164	80
162 Hazel Trce	0.08mi	4/2.0 (+1)	1,850 (+8%)	7mo	$295,000	$159	67
104 Kathleen Dr	0.24mi	4/2.0 (+1)	1,552 (-9%)	2mo	$214,700	$138	64
103 NW Lindsey Ln	0.47mi	3/2.0	1,817 (+7%)	1mo	$175,000	$96	62
147 Singletree Dr	0.18mi	3/2.0	1,865 (+9%)	12mo	$270,000	$145	62
207 Brook Wind Dr	0.42mi	4/2.0 (+1)	1,600 (-6%)	6mo	$262,500	$164	56
576 Charity Ln	0.68mi	3/2.0	1,636 (-4%)	3mo	$260,000	$159	55
584 Charity Ln	0.68mi	3/2.0	1,615 (-5%)	0mo	$230,000	$142	55
104 NW Lindsey Ln	0.52mi	3/2.0	1,590 (-7%)	6mo	$250,000	$157	55
118 Hazelwood Dr	0.55mi	3/2.0	1,850 (+8%)	10mo	$253,000	$137	48
124 Singletree Dr	0.41mi	3/2.0	1,943 (+14%)	12mo	$264,900	$136	44

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: 21.7%
• Equity multiple: 2.75×
• Total profit: $129,977
• Equity at exit: $238,643

10-year hold

• IRR: 19.5%
• Equity multiple: 6.31×
• Total profit: $393,610
• Equity at exit: $514,642

Cash invested: $74,172 (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 35750

• Home prices YoY: 8.2%
• Active inventory: 260
• Price-to-rent: 13.0×

Monthly cashflow live

• Estimated rent: $1,693 high
• Mortgage (P&I): −$1,389
• Tax from tax record: −$60 /mo · $718/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $-222

Break-even live

Break-even rent $1,974

Max offer price $225,644

Occupancy floor —

Sensitivity live

Price	-10% $-72	-5% $-147	+0% $-222	+5% $-297	+10% $-372
Rent	-10% $-356	-5% $-289	+0% $-222	+5% $-155	+10% $-89
Rate	-1.0pp $-89	-0.5pp $-155	base $-222	+0.5pp $-291	+1.0pp $-361

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: $66,225
• Closing costs: $7,947
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
149 Hazel Trce Hazel Green, AL	3.0	2.0	1628	$1,695	$1.04	15d	1	0.10mi
100 Brook Glen Dr Hazel Green, AL	3.0	2.0	1336	$1,595	$1.19	15d	1	0.45mi
137 Hazel Pine Trl Hazel Green, AL	3.0	2.0	1482	$1,650	$1.11	25d	1	0.83mi
236 Cherry Laurel Dr Hazel Green, AL	4.0	3.0	1964	$1,750	$0.89	25d	1	1.05mi
117 Hank Ct Hazel Green, AL	3.0	2.0	1517	$1,650	$1.09	45d	1	1.12mi
120 Grip Dr Hazel Green, AL	4.0	2.0	1732	$1,823	$1.05	23d	1	1.14mi
189 Tobin Ln Hazel Green, AL	3.0	2.0	1685	$1,775	$1.05	15d	1	1.14mi
108 Karenlee Cir Hazel Green, AL	4.0	2.0	1666	$1,685	$1.01	25d	1	1.19mi
143 Havner Dr Hazel Green, AL	4.0	2.0	1667	$1,775	$1.06	15d	1	1.27mi
171 Keller Dr Hazel Green, AL	3.0	2.0	1683	$1,616	$0.96	45d	1	1.30mi
147 Tobin Ln Hazel Green, AL	4.0	2.0	1884	$1,700	$0.90	45d	1	1.31mi
169 Keller Dr Hazel Green, AL	3.0	2.0	1537	$1,665	$1.08	15d	1	1.31mi

Listing history 16 events

1. 2026-06-22
   days on market $264,900 Active 70 DOM
2. 2026-06-18
   days on market $264,900 Active 67 DOM
3. 2026-06-17
   days on market $264,900 Active 66 DOM
4. 2026-06-16
   days on market $264,900 Active 65 DOM
5. 2026-06-15
   days on market $264,900 Active 64 DOM
6. 2026-06-14
   days on market $264,900 Active 62 DOM
7. 2026-06-10
   days on market $264,900 Active 59 DOM
8. 2026-06-09
   days on market $264,900 Active 58 DOM
9. 2026-06-08
   days on market $264,900 Active 57 DOM
10. 2026-06-07
    statusdays on market $264,900 Active 56 DOM
11. 2026-06-02
    days on market $264,900 Contingent 51 DOM
12. 2026-06-01
    days on market $264,900 Contingent 50 DOM
13. 2026-05-31
    days on market $264,900 Contingent 49 DOM
14. 2026-05-30
    days on market $264,900 Contingent 48 DOM
15. 2026-04-23
    historical Contingent
16. 2026-04-12
    listed $264,900 Active

ⓘ 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: $718 · $60/mo
• Projected year-2 tax: $1,086 · $91/mo
• Expected delta: +$368/yr (+$31/mo · 51.2%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% 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: $20,311
• − Mortgage interest: −$14,839
• − Property taxes: −$718
• − Insurance: −$1,324
• − Repairs & maintenance: −$1,625
• − Management: −$1,625
• − Depreciation: −$7,706
• Taxable loss: −$7,526
• Est. tax savings @ 24.0%: +$1,806
• After-tax cash flow: $-860/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: Madison County
• NCES district ID: 0102220
• Math proficiency: 27% ▼ -32.00%
• Reading proficiency: 56% ▼ -1.00%
• Median HH income: $66,058
• Composite: 37.15/100
• National rank: #4483
• State rank: #19 of 129 in AL

Livability — Hazel Green

• Score: 69/100
• State rank: #54
• US rank: #8575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Madison County · 380,832 people
• City population: 13,413
• Metro: Huntsville, AL
• Population (ZIP): 13,413
• Household income: $68,389
• Rent vs Own: 14.7% rent · 85.3% own
• Severe rent burden: 162.0

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: Predominantly White (71%)
• Race & ethnicity: White 71% Black 19% Asian 5% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Serbian 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 2% Chinese 1% Korean 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: ▲ 33.59%
• Current HPI: 444.7418
• Rent YoY: —
• 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

2 events — show timeline

• 2026-04-23 Contingent — VMLS
• 2026-04-12 Listed $264,900 VMLS

Property tax history

+4.8%/yr

Latest (2024): $718 · +0.0% YoY. Source: county tax records.