107 Mohawk St · Enterprise, AL 36330

$149,900

3 bd · 1.0 ba · 1,436 sqft · SingleFamily public records · 7 Days on market

Built 1984 Est $194k · 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 +19.0/30.0
• ARV discount +15.0/15.0
• DSCR +6.0/10.0
• Schools +4.3/10.0
• 1% rule +4.2/10.0
• Rent growth +3.5/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Chain Link, Very nice home! Walk in closets- sprinkler system- roof new in 2003- new a/c in 2011- fireplace insert in 2013- dishwasher new in 2011- stove new in 2007. Beautiful wood windows and wood trim (both are in excellent shape). Move in ready! There is a deck and a private back yard. Large rooms and freshly painted garage door. ,

Key facts

• Large windows
• Wooded backyard
• Spacious living area

Tags

• SPACIOUS LIVING AREA
• VAULTED CEILINGS
• EXPOSED BEAMS
• COZY BRICK FIREPLACE
• LARGE WINDOWS
• WOODED BACKYARD

Property features AI

Finance

• Other: Windows listed as green/energy-efficient

Exterior

• Parking: Attached garage with 2 spaces; Garage door opener
• Security: Fire alarm
• Utilities: Public water; Public sewer; Electricity available; Cable available; Satellite dish
• Home design: Single-family residence; One level
• Construction: HardiPlank-type siding; Slab foundation
• Exterior features: Deck; City lot

Interior

• Kitchen: Oven; Dishwasher; Electric range; Microwave; Self-cleaning oven; Disposal; Water purifier; Electric water heater
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump heating and cooling; Hot water heating; Ceiling fans
• Interior features: Walk-in closets; Insulated double-pane windows

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $157 ($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 $138k (7.7% below list).
• Recommended offer: $138k (7.7% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 4.1% in Enterprise — 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 65/100 on livability (#127 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D, crime F, amenities F.
• Enterprise City (town): math 40% / reading 60% proficiency, ranked #12 of 129 in AL (top 9%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Dauphin Junior High School (math 42% / reading 68%, grade B-, #17 of 257 statewide, top 7%, 500 students, 39% FRL); Enterprise High School (math 34% / reading 37%, grade F, #45 of 305 statewide, top 14%, 2,117 students, 44% FRL) — zoned schools at 42% FRL track the district average.
• Market conditions: Rents rising (+3.9%/yr); 444 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 137 units permitted in Coffee County in 2024 (0 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 $4k of value loss. Plan a longer hold.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 12y ago 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 $112k; 34% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% 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 $138,333 (7.7% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 0.92% ✗
• Cap rate: 7.55%
• Cash-on-cash: 4.49%
• DSCR: 1.20
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $193,860
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
502 Iroquois Rd	0.17mi	3/2.0	1,471 (+2%)	11mo	$203,000	$138	75
406 Iroquois Rd	0.13mi	3/2.5	1,538 (+7%)	3mo	$121,500	$79	74
107 Comanche Cir	0.18mi	3/2.5	1,466 (+2%)	11mo	$197,900	$135	73
109 Cahaba St	0.34mi	3/2.0	1,504 (+5%)	0mo	$162,500	$108	72
105 Don Cir	0.34mi	3/2.0	1,396 (-3%)	10mo	$155,000	$111	67
103 Cahaba St	0.39mi	3/2.0	1,455 (+1%)	13mo	$211,000	$145	65
702 Dixie Dr	0.48mi	3/2.0	1,338 (-7%)	7mo	$180,000	$135	56
105 Chickasaw Rd	0.47mi	3/2.0	1,528 (+6%)	13mo	$206,000	$135	52
807 Morgan Ln	0.25mi	4/3.0 (+1)	1,625 (+13%)	3mo	$250,000	$154	51
104 Seminole Dr	0.41mi	3/2.0	1,602 (+12%)	11mo	$184,670	$115	49
215 Cardinal Ln	0.73mi	3/2.0	1,549 (+8%)	4mo	$125,000	$81	46
311 Antler Dr	0.75mi	3/2.0	1,278 (-11%)	1mo	$115,000	$90	42

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 · 3.92% rent growth · sell at horizon

5-year hold

• IRR: -8.4%
• Equity multiple: 0.69×
• Total profit: $-13,043
• Equity at exit: $22,351

10-year hold

• IRR: 2.2%
• Equity multiple: 1.16×
• Total profit: $6,752
• Equity at exit: $12,961

Cash invested: $41,972 (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 36330

• Home prices YoY: -19.4%
• Rents YoY: 3.9%
• Active inventory: 444
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,383 high
• Mortgage (P&I): −$786
• Tax from tax record: −$87 /mo · $1,048/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $157

Break-even live

Break-even rent $1,185

Max offer price $149,900

Occupancy floor 84%

Sensitivity live

Price	-10% $242	-5% $199	+0% $157	+5% $115	+10% $72
Rent	-10% $48	-5% $102	+0% $157	+5% $212	+10% $266
Rate	-1.0pp $232	-0.5pp $195	base $157	+0.5pp $118	+1.0pp $79

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
200 Cheyenne Dr Enterprise, AL	2.0	1.5	1088	$800	$0.74	45d	1	0.50mi
108 Anthony Cir Unit C Enterprise, AL	2.0	2.0	1032	$900	$0.87	45d	1	0.75mi
210 Morgan Ln Enterprise, AL	3.0	2.0	1494	$1,300	$0.87	45d	1	0.83mi
214 Morgan Ln Enterprise, AL	3.0	2.0	1322	$1,400	$1.06	45d	1	0.83mi
452 Sandy Oak Dr Enterprise, AL	2.0	1.5	1300	$1,150	$0.88	45d	1	0.97mi
443 Sandy Oak Dr Enterprise, AL	2.0	2.5	1504	$1,350	$0.90	45d	1	0.98mi
605 Melbourne Dr Enterprise, AL	3.0	2.0	1333	$1,650	$1.24	45d	1	0.99mi
455 Sandy Oak Dr Enterprise, AL	3.0	2.5	1504	$1,975	$1.31	45d	1	0.99mi
206 Myrick Dr Enterprise, AL	3.0	2.0	1800	$1,595	$0.89	45d	1	1.00mi
106 Pineridge Dr Enterprise, AL	2.0	2.5	1427	$1,150	$0.81	45d	1	1.22mi
137 Commons Dr Unit 1 Enterprise, AL	2.0	2.5	1369	$1,100	$0.80	45d	1	1.24mi
133 Commons Dr Enterprise, AL	3.0	2.5	1400	$1,200	$0.86	45d	1	1.25mi
206 Myrtlewood Dr Enterprise, AL	3.0	2.0	1155	$1,400	$1.21	45d	1	1.27mi
114 Commons Dr Enterprise, AL	2.0	2.5	1380	$1,300	$0.94	45d	1	1.29mi
102 Commons Dr Enterprise, AL	2.0	2.5	1380	$1,250	$0.91	45d	1	1.32mi
220 Candlebrook Dr Enterprise, AL	2.0	1.5	1024	$995	$0.97	45d	1	1.35mi
224 Candlebrook Dr Enterprise, AL	2.0	1.5	1024	$1,050	$1.03	45d	1	1.35mi
184 N Springview Dr Enterprise, AL	3.0	2.5	1494	$1,350	$0.90	45d	1	1.49mi

Listing history 10 events

1. 2026-06-17
   status $149,900 Pending 7 DOM
2. 2026-06-16
   days on market $149,900 Active 7 DOM
3. 2026-06-15
   days on market $149,900 Active 6 DOM
4. 2026-06-14
   status $149,900 Active 4 DOM
5. 2026-06-07
   statusdays on market $149,900 Pending 4 DOM
6. 2026-06-05
   days on market $149,900 Active 3 DOM
7. 2026-06-03
   days on market $149,900 Active 2 DOM
8. 2026-06-03
   price $149,900 Active 1 DOM
9. 2026-06-01
   remarks 687-char remark
10. 2026-06-01
    listed $154,900 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast AL · Resets to sale price

• Current annual tax: $1,048 · $87/mo
• Projected year-2 tax: $1,048 · $87/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,600
• − Mortgage interest: −$8,397
• − Property taxes: −$1,048
• − Insurance: −$750
• − Repairs & maintenance: −$1,328
• − Management: −$1,328
• − Depreciation: −$4,361
• Taxable loss: −$611
• Est. tax savings @ 24.0%: +$147
• After-tax cash flow: $2,030/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: Enterprise City
• NCES district ID: 0101320
• Math proficiency: 40% ▼ -20.00%
• Reading proficiency: 60% ▲ 4.00%
• Median HH income: $51,311
• Composite: 42.83/100
• National rank: #3136
• State rank: #12 of 129 in AL

Livability — Enterprise

• Score: 65/100
• State rank: #127
• US rank: #12953

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enterprise, AL
• County: Coffee County · 39,557 people
• City population: 39,557
• Metro: Enterprise, AL
• Population (ZIP): 39,557
• Household income: $75,765
• Rent vs Own: 32.4% rent · 67.6% own
• Severe rent burden: 1126.0

Population outlook (Coffee County) Hauer SSP2

• Today (2025): 53,133 people
• By 2030: 53,832 · +1.3%
• By 2040: 54,504 · +2.6%
• By 2050: 54,289 · +2.2%
• By 2075: 51,175 · -3.7%
• By 2100: 46,793 · -11.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 63% Black 17% Hispanic / Latino 13% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 3%
• Common ancestry: Italian 3% Lithuanian 2% Serbian 2%
• Foreign-born: 6% · Canada, Vietnam, South Korea
• Languages at home: 89% English-only · Spanish 8% German/W. Germanic 2%

Political lean MEDSL · Coffee

• 2024 margin: Solid R (+57.9) · D 20.7% · R 78.6%
• 2008→2024 swing: -9.0pp toward R · 2008: -48.9pp · 2024: -57.9pp
• All cycles: 2024: R+57.9 2020: R+53.1 2016: R+56.7 2012: R+49.4 2008: R+48.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -44.44%
• Current HPI: 184.0163
• Rent YoY: ▲ 3.92%
• Metro: Enterprise, 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

+30.2% since first listed

8 events — show timeline

• 2026-06-01 Listed $154,900 WBR
• 2016-04-06 Sold (Public Records) $112,100 Public Records
• 2016-04-04 Sold (MLS) $112,000 MAAR
• 2016-04-04 Sold (MLS) $112,000 WBR
• 2016-01-20 Listed $119,000 MAAR
• 2016-01-20 Listed $119,000 WBR
• 2014-08-13 Listed $119,000 WBR
• 2014-08-13 Listed $119,000 MAAR

Property tax history

+0.0%/yr

Latest (2016): $1,048 · +0.0% YoY. Source: county tax records.