1877 Old Sylacauga Hwy · Sylacauga, AL 35150

$80,000

3 bd · 2.0 ba · 1,764 sqft · SingleFamily public records · 247 Days on market

Built 1966 Fair condition 0.58 ac lot $45/sqft · 49% below area Est $157k · 49% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

A snug brick charmer with room to stretch out and dreams ready to bloom! This roomy little brick home is being offered as a motivated sale, making it the perfect opportunity for someone who wants affordable comfort with solid bones. Generous living spaces, a cozy layout, and plenty of back patio space set the stage for your updates, your style, and your future. Bring us an offer and your vision! This place is ready!!

Key facts

• 0.58 acre lot
• Built 1966
• Listed 247 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $80k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $654 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
• Cap rate 17.1% vs local median 4.3% in Sylacauga — 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 64/100 on livability (#157 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A-; Watch: schools D+, crime F, amenities F.
• Talladega County (rural): math 15% / reading 44% proficiency, ranked #75 of 129 in AL (top 58%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 186 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 141d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 189 units permitted in Talladega County in 2024 (6 in 5+ unit buildings).
• This rent runs 44% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Talladega County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 247 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y ago; this cycle's ask has dropped $35k (30%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; major wind risk, 36% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 247 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. 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?
9. 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.
10. 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.
11. 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: 1.91% ✓
• Cap rate: 17.10%
• Cash-on-cash: 38.61%
• DSCR: 2.72
• GRM: 4.4

CMA / ARV

• ARV (median comp): $156,993
• List price: $80,000
• Delta: -49.04%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
105 Eden Dr	0.93mi	3/1.5	1,783 (+1%)	0mo	$196,000	$110	61
180 Lauras Ln	1.00mi	3/2.0	1,773 (+0%)	6mo	$175,000	$99	59
180 Summer Place Ln	0.88mi	4/2.0 (+1)	1,754 (-1%)	2mo	$204,000	$116	57
126 Cloverdale Dr	0.37mi	3/2.0	1,554 (-12%)	15mo	$117,000	$75	51
59 Cloverdale Dr	0.44mi	3/2.0	2,053 (+16%)	6mo	$119,000	$58	49
200 Shaw Ln	0.67mi	3/2.0	1,612 (-9%)	12mo	$115,000	$71	44
836 Odens Mill Rd	1.06mi	4/2.5 (+1)	1,696 (-4%)	11mo	$235,000	$139	42
140 Eden Dr	0.89mi	3/3.0	1,811 (+3%)	24mo	$179,000	$99	37
423 Odens Mill Rd	1.03mi	4/2.0 (+1)	1,488 (-16%)	10mo	$200,000	$134	27
881 Southview Rd	0.78mi	3/2.0	1,442 (-18%)	16mo	$141,000	$98	26
880 Old Sylacauga Hwy	0.76mi	3/2.5	1,536 (-13%)	23mo	$163,000	$106	22

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: 30.6%
• Equity multiple: 2.28×
• Total profit: $28,729
• Equity at exit: $11,928

10-year hold

• IRR: 37.8%
• Equity multiple: 4.52×
• Total profit: $78,762
• Equity at exit: $6,917

Cash invested: $22,400 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 1 active · 3 under contract
• Months of supply: 3.0 mo (33%/mo absorbed)
• Median asking: $215,000 ($133/sqft)
• Median days on market: 196 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -32.9% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 35150

• Home prices YoY: -7.9%
• Active inventory: 186
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,525 medium
• Mortgage (P&I): −$420
• Tax from tax record: −$31 /mo · $377/yr
• Insurance: −$33
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $654

Break-even live

Break-even rent $697

Max offer price $80,000

Occupancy floor 52%

Sensitivity live

Price	-10% $700	-5% $677	+0% $654	+5% $632	+10% $609
Rent	-10% $534	-5% $594	+0% $654	+5% $715	+10% $775
Rate	-1.0pp $695	-0.5pp $675	base $654	+0.5pp $634	+1.0pp $612

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: $20,000
• Closing costs: $2,400
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
311 Coleman Ln Sylacauga, AL	4.0	2.0	1438	$1,300	$0.90	0d	1	1.27mi
75 Cole Ln Sylacauga, AL	4.0	2.5	1936	$1,700	$0.88	140d	1	1.43mi
90 Cole Ln Sylacauga, AL	4.0	2.0	1238	$1,595	$1.29	140d	1	1.46mi

Listing history 50 events

1. 2026-09-05
   days on market $80,000 Active 247 DOM
2. 2026-09-04
   days on market $80,000 Active 246 DOM
3. 2026-09-03
   days on market $80,000 Active 245 DOM
4. 2026-09-02
   days on market $80,000 Active 244 DOM
5. 2026-08-30
   days on market $80,000 Active 241 DOM
6. 2026-08-29
   days on market $80,000 Active 240 DOM
7. 2026-08-28
   days on market $80,000 Active 239 DOM
8. 2026-08-27
   days on market $80,000 Active 238 DOM
9. 2026-08-26
   days on market $80,000 Active 237 DOM
10. 2026-08-25
    days on market $80,000 Active 236 DOM
11. 2026-08-24
    days on market $80,000 Active 235 DOM
12. 2026-08-23
    days on market $80,000 Active 234 DOM
13. 2026-08-22
    days on market $80,000 Active 233 DOM
14. 2026-08-21
    days on market $80,000 Active 232 DOM
15. 2026-08-20
    days on market $80,000 Active 231 DOM
16. 2026-08-19
    days on market $80,000 Active 230 DOM
17. 2026-08-18
    days on market $80,000 Active 229 DOM
18. 2026-08-17
    days on market $80,000 Active 228 DOM
19. 2026-08-16
    days on market $80,000 Active 227 DOM
20. 2026-08-15
    days on market $80,000 Active 226 DOM
21. 2026-08-14
    days on market $80,000 Active 225 DOM
22. 2026-08-13
    days on market $80,000 Active 224 DOM
23. 2026-08-12
    days on market $80,000 Active 223 DOM
24. 2026-08-11
    days on market $80,000 Active 222 DOM
25. 2026-08-10
    days on market $80,000 Active 221 DOM
26. 2026-08-09
    pricedays on market $80,000 Active 220 DOM
27. 2026-08-08
    days on market $110,000 Active 219 DOM
28. 2026-08-07
    days on market $110,000 Active 218 DOM
29. 2026-08-06
    days on market $110,000 Active 217 DOM
30. 2026-08-05
    days on market $110,000 Active 216 DOM
31. 2026-08-04
    days on market $110,000 Active 215 DOM
32. 2026-08-03
    days on market $110,000 Active 214 DOM
33. 2026-07-31
    days on market $110,000 Active 211 DOM
34. 2026-07-30
    days on market $110,000 Active 210 DOM
35. 2026-07-29
    days on market $110,000 Active 209 DOM
36. 2026-07-27
    days on market $110,000 Active 207 DOM
37. 2026-07-25
    days on market $110,000 Active 205 DOM
38. 2026-07-23
    days on market $110,000 Active 203 DOM
39. 2026-07-22
    days on market $110,000 Active 202 DOM
40. 2026-07-21
    days on market $110,000 Active 201 DOM
41. 2026-07-18
    days on market $110,000 Active 198 DOM
42. 2026-07-16
    days on market $110,000 Active 196 DOM
43. 2026-07-16
    days on market $110,000 Active 195 DOM
44. 2026-07-14
    days on market $110,000 Active 194 DOM
45. 2026-07-13
    days on market $110,000 Active 193 DOM
46. 2026-07-12
    days on market $110,000 Active 192 DOM
47. 2026-07-11
    days on market $110,000 Active 191 DOM
48. 2026-07-10
    days on market $110,000 Active 190 DOM
49. 2026-07-09
    days on market $110,000 Active 189 DOM
50. 2026-07-08
    days on market $110,000 Active 188 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: $377 · $31/mo
• Projected year-2 tax: $377 · $31/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 96% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 36% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,303
• − Mortgage interest: −$4,481
• − Property taxes: −$377
• − Insurance: −$1,198
• − Repairs & maintenance: −$1,464
• − Management: −$1,464
• − Depreciation: −$2,327
• Taxable income: $6,992
• Est. tax owed @ 24.0%: −$1,678
• After-tax cash flow: $6,173/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.

Condition & rehab AI · 10 photos

Fair 45/100 Moderate rehab Est. rehab $44,100–$79,380 screening

The home is in fair condition with visible wear and tear. It requires major repairs to the roof and moderate repairs to the exterior walls. Painting the exterior and interior walls, replacing the roof, and replacing the flooring would significantly increase its value.

Components & finishes AI

Flooring tile

Repairs flagged

• Major roof — The satellite image shows a brown roof, which may indicate a need for replacement.
• Moderate exterior walls — The exterior walls appear to be in fair condition, but there is visible wear and tear.

Value-add opportunities

• Both Paint the exterior and interior walls — Painting the exterior and interior walls can improve the curb appeal and interior aesthetics, which can increase both resale and rental value. ↑
• Both Replace the roof — Replacing the roof can improve the overall condition of the home and increase its value, as it is a major component of the home's structure. ↑
• Both Replace flooring — Replacing the flooring can improve the interior aesthetics and increase the home's value, as it is a major component of the home's interior. ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

Schools (NCES district)

• District: Talladega County
• NCES district ID: 0103180
• Math proficiency: 15% ▼ -24.00%
• Reading proficiency: 44% ▲ 3.00%
• Median HH income: $37,715
• Composite: 24.5/100
• National rank: #7650
• State rank: #75 of 129 in AL

C Composite livability gradescore 64/100

Livability — Sylacauga

• Score: 64/100
• State rank: #157
• US rank: #14297

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Talladega · 78,905 people
• City population: 17,118
• Population (ZIP): 17,118
• Household income: $41,328
• Rent vs Own: 42.3% rent · 57.7% own
• Severe rent burden: 7% of renters

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Population outlook (Talladega County) Hauer SSP2

• Today (2025): 78,905 people
• By 2030: 77,160 · -2.2%
• By 2040: 72,937 · -7.6%
• By 2050: 68,279 · -13.5%
• By 2075: 57,884 · -26.6%
• By 2100: 47,220 · -40.2%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (62%)
• Race & ethnicity: White 62% Black 32% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Hispanic 1% Italian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

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Political lean MEDSL · Talladega

• 2024 margin: Solid R (+33.8) · D 32.9% · R 66.6%
• 2008→2024 swing: -15.3pp toward R · 2008: -18.5pp · 2024: -33.8pp
• All cycles: 2024: R+33.8 2020: R+25.5 2016: R+25.6 2012: R+16.0 2008: R+18.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.65%
• Current HPI: 240.527
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

+452.8% since first listed

10 events — show timeline

• 2026-01-20 Price Changed $110,000 Greater Alabama MLS
• 2026-01-01 Listed $115,000 Greater Alabama MLS
• 2025-04-16 Price Changed $120,000 Greater Alabama MLS
• 2020-10-22 Sold (Public Records) $116,500 Public Records
• 2020-10-19 Sold (MLS) $116,500 Greater Alabama MLS
• 2020-09-17 Contingent — Greater Alabama MLS
• 2020-07-25 Listed $119,900 Greater Alabama MLS
• 2019-12-01 Sold (MLS) $34,000 Greater Alabama MLS
• 2019-10-24 Pending — Greater Alabama MLS
• 2019-10-07 Listed $19,900 Greater Alabama MLS

Property tax history

+4.5%/yr

Latest (2025): $377 · +0.0% YoY. Source: county tax records.