2950 Pinetucky Rd · Mobile, AL 36618

$175,000

3 bd · 1.5 ba · 1,978 sqft · SingleFamily public records · 98 Days on market

Built 1959 1.00 ac lot $88/sqft · 23% below area Est $228k · 23% under

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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 +18.9/30.0
• ARV discount +15.0/15.0
• DSCR +6.0/10.0
• 1% rule +4.3/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming brick home priced below appraisal value with prime Moffett Road frontage! Located on the corner of Pinetucky and Moffett Road, this 3-bedroom, 2-bath home sits on approximately one acre and offers a rare combination of convenience, visibility, and classic appeal. Recent improvements include a new HVAC system and a durable metal roof. Inside, you’ll find a flexible bonus room featuring beautiful natural light from oversized windows — ideal for a home office, studio, playroom, or additional living space. The property offers a detached garage, a private backyard, and mature azalea bushes that bloom beautifully each spring. The home is move-in ready and presents an excellent opportunity for a buyer to update and personalize over time. With easy access to shopping, dining, and major routes, this location is well suited for homeowners and investors alike. Property has potential for commercial zoning (buyer to verify all zoning, measurements, updates and pertinent details).

Key facts

• Durable metal roof
• Private backyard
• Flexible bonus room

Tags

• MOFFETT ROAD FRONTAGE
• NEW HVAC SYSTEM
• DURABLE METAL ROOF
• FLEXIBLE BONUS ROOM
• DETACHED GARAGE
• PRIVATE BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $179 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $163k (7.1% below list).
• Recommended offer: $159k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.5% vs local median 4.9% in Mobile — 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 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, employment D-.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Orchard Elementary School (math 4% / reading 29%, grade F, #501 of 627 statewide, top 80%, 539 students, 84% FRL); Cl Scarborough Model Middle School (math 4% / reading 21%, grade F, #216 of 257 statewide, top 86%, 651 students, 94% FRL); Mary G Montgomery High School (math 13% / reading 18%, grade F, #211 of 305 statewide, top 69%, 1,965 students, 53% FRL).
• Zoned-school proficiency averages 15% at this address vs 27% district-wide (-12 pts) — the specific schools serving this property underperform the Mobile County average; the district grade overstates school quality for this exact location.
• Market conditions: 102 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 98 days — a 9% lower offer ($159k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $128k; 37% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $159,250 (9.0% below list)

Questions for the listing agent

1. It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.93% ✗
• Cap rate: 7.52%
• Cash-on-cash: 4.39%
• DSCR: 1.20
• GRM: 9.0

CMA / ARV

• ARV (median comp): $228,128
• List price: $175,000
• Delta: -23.29%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3050 Meadow Ln	0.22mi	3/2.0	1,910 (-3%)	0mo	$270,000	$141	82
3050 Lacoste Rd	0.22mi	3/2.0	2,014 (+2%)	6mo	$262,000	$130	80
3080 Lacoste Rd	0.27mi	3/2.0	2,036 (+3%)	12mo	$225,000	$111	70
3252 Meadow Ln	0.47mi	3/2.0	1,860 (-6%)	1mo	$240,000	$129	66
2721 Graham Rd S	0.43mi	4/2.0 (+1)	1,941 (-2%)	10mo	$245,000	$126	62
3213 Graham Rd N	0.38mi	3/2.0	1,719 (-13%)	1mo	$198,510	$115	58
3170 Lacoste Rd	0.39mi	3/2.0	1,682 (-15%)	9mo	$192,000	$114	48
3373 Kings Gate Dr W	0.62mi	4/2.0 (+1)	2,111 (+7%)	7mo	$295,000	$140	47
3200 Brackett Dr	0.62mi	3/2.5	1,800 (-9%)	8mo	$114,000	$63	45
3432 Kings Branch Dr E	0.67mi	4/2.0 (+1)	2,073 (+5%)	14mo	$285,000	$137	42
3270 N Graham Rd	0.49mi	3/2.0	1,693 (-14%)	12mo	$229,000	$135	42
6771 Graham Rd S	0.55mi	4/2.0 (+1)	1,794 (-9%)	14mo	$122,000	$68	40

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: -9.5%
• Equity multiple: 0.65×
• Total profit: $-16,970
• Equity at exit: $26,093

10-year hold

• IRR: -0.1%
• Equity multiple: 1.00×
• Total profit: $-225
• Equity at exit: $15,131

Cash invested: $49,000 (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 36618

• Home prices YoY: -22.8%
• Active inventory: 102
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,625 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$114 /mo · $1,368/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $179

Break-even live

Break-even rent $1,398

Max offer price $175,000

Occupancy floor 84%

Sensitivity live

Price	-10% $278	-5% $229	+0% $179	+5% $130	+10% $80
Rent	-10% $51	-5% $115	+0% $179	+5% $244	+10% $308
Rate	-1.0pp $268	-0.5pp $224	base $179	+0.5pp $134	+1.0pp $88

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3100 Lacoste Rd Mobile, AL	3.0	2.0	1530	$1,795	$1.17	45d	1	0.31mi
6931 Charmingdale Dr S Mobile, AL	3.0	2.0	1503	$1,795	$1.19	22d	1	0.42mi
6931 Charmingdale Dr S Mobile, AL	3.0	2.0	1544	$1,850	$1.20	45d	1	0.42mi
6961 Charmingdale Dr S Mobile, AL	4.0	2.0	1600	$1,300	$0.81	45d	1	0.47mi

Listing history 24 events

1. 2026-06-21
   days on market $175,000 Active 98 DOM
2. 2026-06-18
   days on market $175,000 Active 95 DOM
3. 2026-06-17
   days on market $175,000 Active 94 DOM
4. 2026-06-16
   days on market $175,000 Active 93 DOM
5. 2026-06-15
   days on market $175,000 Active 92 DOM
6. 2026-06-14
   days on market $175,000 Active 90 DOM
7. 2026-06-13
   days on market $175,000 Active 89 DOM
8. 2026-06-10
   days on market $175,000 Active 87 DOM
9. 2026-06-09
   days on market $175,000 Active 86 DOM
10. 2026-06-08
    days on market $175,000 Active 85 DOM
11. 2026-06-07
    days on market $175,000 Active 84 DOM
12. 2026-06-05
    days on market $175,000 Active 81 DOM
13. 2026-06-03
    days on market $175,000 Active 80 DOM
14. 2026-06-02
    days on market $175,000 Active 79 DOM
15. 2026-06-01
    days on market $175,000 Active 78 DOM
16. 2026-05-31
    days on market $175,000 Active 77 DOM
17. 2026-05-30
    days on market $175,000 Active 76 DOM
18. 2026-04-10
    status Active 1002-char remark

    Show marketing remark (1002 chars)

    Charming brick home priced below appraisal value with prime Moffett Road frontage! Located on the corner of Pinetucky and Moffett Road, this 3-bedroom, 2-bath home sits on approximately one acre and offers a rare combination of convenience, visibility, and classic appeal. Recent improvements include a new HVAC system and a durable metal roof. Inside, you’ll find a flexible bonus room featuring beautiful natural light from oversized windows — ideal for a home office, studio, playroom, or additional living space. The property offers a detached garage, a private backyard, and mature azalea bushes that bloom beautifully each spring. The home is move-in ready and presents an excellent opportunity for a buyer to update and personalize over time. With easy access to shopping, dining, and major routes, this location is well suited for homeowners and investors alike. Property has potential for commercial zoning (buyer to verify all zoning, measurements, updates and pertinent details).

19. 2026-03-30
    status Pending 1002-char remark

    Show marketing remark (1002 chars)

    Charming brick home priced below appraisal value with prime Moffett Road frontage! Located on the corner of Pinetucky and Moffett Road, this 3-bedroom, 2-bath home sits on approximately one acre and offers a rare combination of convenience, visibility, and classic appeal. Recent improvements include a new HVAC system and a durable metal roof. Inside, you’ll find a flexible bonus room featuring beautiful natural light from oversized windows — ideal for a home office, studio, playroom, or additional living space. The property offers a detached garage, a private backyard, and mature azalea bushes that bloom beautifully each spring. The home is move-in ready and presents an excellent opportunity for a buyer to update and personalize over time. With easy access to shopping, dining, and major routes, this location is well suited for homeowners and investors alike. Property has potential for commercial zoning (buyer to verify all zoning, measurements, updates and pertinent details).

20. 2026-03-10
    status Active 1002-char remark

    Show marketing remark (1002 chars)

    Charming brick home priced below appraisal value with prime Moffett Road frontage! Located on the corner of Pinetucky and Moffett Road, this 3-bedroom, 2-bath home sits on approximately one acre and offers a rare combination of convenience, visibility, and classic appeal. Recent improvements include a new HVAC system and a durable metal roof. Inside, you’ll find a flexible bonus room featuring beautiful natural light from oversized windows — ideal for a home office, studio, playroom, or additional living space. The property offers a detached garage, a private backyard, and mature azalea bushes that bloom beautifully each spring. The home is move-in ready and presents an excellent opportunity for a buyer to update and personalize over time. With easy access to shopping, dining, and major routes, this location is well suited for homeowners and investors alike. Property has potential for commercial zoning (buyer to verify all zoning, measurements, updates and pertinent details).

21. 2026-03-05
    status Pending 1002-char remark

    Show marketing remark (1002 chars)

    Charming brick home priced below appraisal value with prime Moffett Road frontage! Located on the corner of Pinetucky and Moffett Road, this 3-bedroom, 2-bath home sits on approximately one acre and offers a rare combination of convenience, visibility, and classic appeal. Recent improvements include a new HVAC system and a durable metal roof. Inside, you’ll find a flexible bonus room featuring beautiful natural light from oversized windows — ideal for a home office, studio, playroom, or additional living space. The property offers a detached garage, a private backyard, and mature azalea bushes that bloom beautifully each spring. The home is move-in ready and presents an excellent opportunity for a buyer to update and personalize over time. With easy access to shopping, dining, and major routes, this location is well suited for homeowners and investors alike. Property has potential for commercial zoning (buyer to verify all zoning, measurements, updates and pertinent details).

22. 2026-02-27
    listed $175,000 Active 1002-char remark

    Show marketing remark (1002 chars)

    Charming brick home priced below appraisal value with prime Moffett Road frontage! Located on the corner of Pinetucky and Moffett Road, this 3-bedroom, 2-bath home sits on approximately one acre and offers a rare combination of convenience, visibility, and classic appeal. Recent improvements include a new HVAC system and a durable metal roof. Inside, you’ll find a flexible bonus room featuring beautiful natural light from oversized windows — ideal for a home office, studio, playroom, or additional living space. The property offers a detached garage, a private backyard, and mature azalea bushes that bloom beautifully each spring. The home is move-in ready and presents an excellent opportunity for a buyer to update and personalize over time. With easy access to shopping, dining, and major routes, this location is well suited for homeowners and investors alike. Property has potential for commercial zoning (buyer to verify all zoning, measurements, updates and pertinent details).

23. 2025-06-23
    price $175,000
24. 2022-05-18
    soldstatus $128,200

ⓘ 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: $1,368 · $114/mo
• Projected year-2 tax: $1,368 · $114/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥104°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% 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: $19,504
• − Mortgage interest: −$9,803
• − Property taxes: −$1,368
• − Insurance: −$875
• − Repairs & maintenance: −$1,560
• − Management: −$1,560
• − Depreciation: −$5,091
• Taxable loss: −$753
• Est. tax savings @ 24.0%: +$181
• After-tax cash flow: $2,334/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 17,892
• Household income: $61,550
• Rent vs Own: 24.7% rent · 75.3% own
• Severe rent burden: 542.0

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (65%)
• Race & ethnicity: Black 65% White 27% Two or more races 3% Asian 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Serbian 1% Romanian 0%
• Foreign-born: 4% · Canada, China
• Languages at home: 94% English-only · Spanish 3% Chinese 2%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.54%
• Current HPI: 218.7133
• Rent YoY: —
• Metro: Mobile, 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

+36.5% since first listed

7 events — show timeline

• 2026-04-10 Relisted — GCMLS AL
• 2026-03-30 Pending — GCMLS AL
• 2026-03-10 Relisted — GCMLS AL
• 2026-03-05 Pending — GCMLS AL
• 2026-02-27 Listed $175,000 GCMLS AL
• 2025-06-23 Price Changed $175,000 GCMLS AL
• 2022-05-18 Sold (Public Records) $128,200 Public Records

Property tax history

+1.5%/yr

Latest (2025): $1,368 · +4.7% YoY. Source: county tax records.