126 Helena Dr · Moores Mill, AL 35811

$209,900

3 bd · 1.0 ba · 1,282 sqft · SingleFamily public records · 55 Days on market

Built 1963 0.63 ac lot $164/sqft · 10% below area Est $244k · 14% 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 +18.6/30.0
• ARV discount +13.8/15.0
• DSCR +5.9/10.0
• Rent growth +4.2/5.0
• 1% rule +4.0/10.0
• Schools +3.7/10.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +1.4/10.0

Listing remarks MLS

NEWLY REMODELED

Key facts

• New kitchen
• New bathroom
• Completely remodeled

Tags

• COMPLETELY REMODELED
• NEW KITCHEN
• STAINLESS STEEL APPLIANCES
• NEW BATHROOM
• NEW PAINT
• CROWN MOLDING

Property features AI

Finance

• HOA & community: No association

Exterior

• Parking: Carport (1 space)
• Utilities: Septic tank sewer
• Home design: Single-family residence; One story; Built in 1963; Brick construction
• Construction: Brick construction; Built in 1963; Crawl space basement
• Exterior features: Deck

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Central cooling (electric); Natural gas heating
• Interior features: Storm shelter

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $205 ($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 $188k (10.4% below list).
• Recommended offer: $188k (10.4% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 3.8% in Moores Mill — 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 66/100 on livability (#109 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety 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: Mt Carmel Elementary School (math 37% / reading 72%, grade C, #87 of 627 statewide, top 15%, 646 students, 34% FRL); Riverton Intermediate School (math 25% / reading 63%, grade D, #42 of 257 statewide, top 17%, 813 students, 36% FRL); Buckhorn High School (math 31% / reading 33%, grade F, #59 of 305 statewide, top 21%, 1,287 students, 34% FRL).
• Market conditions: Rents rising fast (+6.8%/yr); 560 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,709 units permitted in Madison County in 2024 (1,186 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 $6k of value loss. Plan a longer hold.
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($204k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 6y 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.

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 $188,145 (10.4% below list)

Questions for the listing agent

1. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
2. Built in 1963 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 0.90% ✗
• Cap rate: 7.46%
• Cash-on-cash: 4.18%
• DSCR: 1.19
• GRM: 9.3

CMA / ARV

• ARV (median comp): $243,893
• List price: $209,900
• Delta: -13.94%
• 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
7133 Moores Mill Rd	0.16mi	3/1.0	1,380 (+8%)	19mo	$68,000	$49	63
6860 Moores Mill Rd	0.49mi	3/2.0	1,240 (-3%)	9mo	$250,000	$202	60
398 Little Lones Rd	0.73mi	3/2.0	1,240 (-3%)	2mo	$246,000	$198	55
380 Little Lones Rd	0.70mi	3/2.0	1,255 (-2%)	9mo	$242,000	$193	52
202 Chanel Dr	0.71mi	3/2.0	1,355 (+6%)	2mo	$255,000	$188	51
276 Ruby Dr	0.33mi	3/2.0	1,139 (-11%)	14mo	$205,000	$180	51
151 Laredo Cir	0.68mi	3/2.0	1,320 (+3%)	14mo	$265,000	$201	47
105 Braves Dr	0.61mi	3/2.0	1,330 (+4%)	21mo	$270,000	$203	44
207 Vintage Point Cir	0.52mi	3/2.0	1,371 (+7%)	22mo	$270,000	$197	42
216 Vintage Point Cir	0.54mi	3/2.0	1,420 (+11%)	16mo	$250,000	$176	39
6820 Moores Mill Rd	0.57mi	3/2.0	1,420 (+11%)	16mo	$235,000	$165	38
232 Maddux Ct	0.56mi	3/2.0	1,393 (+9%)	23mo	$265,000	$190	36

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 · 6.81% rent growth · sell at horizon

5-year hold

• IRR: -6.0%
• Equity multiple: 0.77×
• Total profit: $-13,559
• Equity at exit: $31,297

10-year hold

• IRR: 7.4%
• Equity multiple: 1.65×
• Total profit: $37,918
• Equity at exit: $18,148

Cash invested: $58,772 (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 35811

• Home prices YoY: -2.1%
• Rents YoY: 6.8%
• Active inventory: 560
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,881 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$93 /mo · $1,121/yr
• Insurance: −$87
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $205

Break-even live

Break-even rent $1,622

Max offer price $209,900

Occupancy floor 84%

Sensitivity live

Price	-10% $324	-5% $264	+0% $205	+5% $145	+10% $86
Rent	-10% $56	-5% $130	+0% $205	+5% $279	+10% $353
Rate	-1.0pp $310	-0.5pp $258	base $205	+0.5pp $150	+1.0pp $95

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: $52,475
• Closing costs: $6,297
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
153 LILLIAN FARMS Blvd Huntsville, AL	3.0	2.0	1703	$1,900	$1.12	24d	1	0.64mi
150 LILLIAN FARMS Blvd Huntsville, AL	3.0	2.0	1703	$1,900	$1.12	24d	1	0.64mi
337 Mistfield St Huntsville, AL	3.0	2.0	1723	$1,795	$1.04	44d	1	0.69mi
147 Wolfe Ln Huntsville, AL	3.0	3.0	1442	$2,100	$1.46	14d	1	0.78mi
149 Wolfe Ln Huntsville, AL	3.0	3.0	1442	$2,000	$1.39	14d	1	0.78mi
229 Paca Ln Huntsville, AL	3.0	2.0	1850	$1,950	$1.05	44d	1	0.78mi
194 Topaz Rd Huntsville, AL	3.0	2.0	1550	$1,895	$1.22	44d	1	1.07mi
6111 Homestead Rd Huntsville, AL	4.0	2.0	1640	$2,500	$1.52	44d	1	1.29mi
127 Colby Dr NE Huntsville, AL	3.0	2.0	1239	$1,395	$1.13	24d	1	1.43mi

Listing history 23 events

1. 2026-06-18
   days on market $209,900 Active 55 DOM
2. 2026-06-17
   days on market $209,900 Active 54 DOM
3. 2026-06-16
   days on market $209,900 Active 53 DOM
4. 2026-06-15
   days on market $209,900 Active 52 DOM
5. 2026-06-14
   days on market $209,900 Active 50 DOM
6. 2026-06-10
   pricedays on market $209,900 Active 47 DOM
7. 2026-06-09
   days on market $219,900 Active 46 DOM
8. 2026-06-08
   days on market $219,900 Active 45 DOM
9. 2026-06-07
   days on market $219,900 Active 44 DOM
10. 2026-06-02
    days on market $219,900 Active 39 DOM
11. 2026-06-01
    days on market $219,900 Active 38 DOM
12. 2026-05-31
    remarks 638-char remark
13. 2026-05-31
    days on market $219,900 Active 37 DOM
14. 2026-05-30
    days on market $219,900 Active 36 DOM
15. 2026-04-24
    listed $219,900 Active 549-char remark
16. 2022-05-17
    soldstatus $199,000 Sold 15-char remark

    Show marketing remark (15 chars)

    NEWLY REMODELED

17. 2022-05-17
    soldstatus $199,000

    Show marketing remark (15 chars)

    NEWLY REMODELED

18. 2022-04-17
    status Pending 15-char remark

    Show marketing remark (15 chars)

    NEWLY REMODELED

19. 2022-04-14
    listed $189,900 Active 15-char remark

    Show marketing remark (15 chars)

    NEWLY REMODELED

20. 2021-09-11
    listed $189,000 Active
21. 2021-01-08
    soldstatus $81,500
22. 2021-01-04
    soldstatus $81,500 Sold
23. 2020-12-04
    listed $81,500

ⓘ 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: $1,121 · $93/mo
• Projected year-2 tax: $1,121 · $93/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 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 17% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,577
• − Mortgage interest: −$11,758
• − Property taxes: −$1,121
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,806
• − Management: −$1,806
• − Depreciation: −$6,106
• Taxable loss: −$1,069
• Est. tax savings @ 24.0%: +$257
• After-tax cash flow: $2,714/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 — Moores Mill

• Score: 66/100
• State rank: #109
• US rank: #11986

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moores Mill, AL
• County: Madison County · 380,832 people
• Metro: Huntsville, AL
• Population (ZIP): 31,008
• Household income: $90,812
• Rent vs Own: 22.4% rent · 77.6% own
• Severe rent burden: 517.0

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: Majority White (64%)
• Race & ethnicity: White 64% Black 27% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Slovak 2% Italian 2% Serbian 2%
• Foreign-born: 4% · Canada, Vietnam, China
• Languages at home: 95% English-only · Spanish 3% Vietnamese 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: ▼ -7.13%
• Current HPI: 332.9423
• Rent YoY: ▲ 6.81%
• 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

+157.5% since first listed

10 events — show timeline

• 2026-06-09 Price Changed $209,900 VMLS
• 2026-04-24 Listed $219,900 VMLS
• 2022-05-17 Sold (Public Records) $199,000 Public Records
• 2022-05-17 Sold (MLS) $199,000 VMLS
• 2022-04-17 Pending — VMLS
• 2022-04-14 Listed $189,900 VMLS
• 2021-09-11 Listed $189,000 VMLS
• 2021-01-08 Sold (Public Records) $81,500 Public Records
• 2021-01-04 Sold (MLS) $81,500 VMLS
• 2020-12-04 Listed $81,500 VMLS

Property tax history

+21.0%/yr

Latest (2024): $1,121 · +2.4% YoY. Source: county tax records.