703 Tupelo Pike · Scottsboro, AL 35768

$139,900

1 bd · 1.0 ba · 1,066 sqft · SingleFamily public records · 6 Days on market

Built 1940 9,583 sqft lot Est $138k · at est.

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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 +24.0/30.0
• DSCR +7.7/10.0
• ARV discount +6.7/15.0
• 1% rule +4.9/10.0
• Livability +3.7/5.0
• Schools +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This would make the perfect starter home or investment property. EVERYTHING was updated in 2020. Rinnai gas tankless water heater, new windows, new metal roof, new flooring, new HVAC, new porch, and much more! NO CARPET! This home features a dining room that could be converted into an additional bedroom and an office. Home features a large 28x10 front porch. Super close to downtown Scottboro with quick access to the highway. The detached building also has electricity.

Key facts

• Fresh paint
• New flooring
• New cabinets

Tags

• LOCATED IN SCOTTSBORO
• NEW CABINETS
• FRESH PAINT
• NEW FLOORING
• STORAGE SHED

Property features AI

Finance

• Other: Lot approximately 0.22 acres (50 x 196)
• HOA & community: No homeowners association

Exterior

• Parking: Gravel driveway
• Utilities: Public sewer; Public water
• Home design: Single-family residence; Residential property; Built in 1940
• Construction: Vinyl siding; No fireplaces
• Exterior features: Detached building on property; Gravel driveway; Deck; Front porch; Covered patio; Covered deck; Public water

Interior

• Kitchen: Range; Dishwasher; Electric water heater
• Bathrooms: One 3/4 bathroom
• Heating & cooling: Central heating; Central cooling
• Interior features: Crawl space basement; 7 total rooms

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $274 ($3k/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 (1.1% below list).
• Recommended offer: $138k (1.1% below list) — sets the bar for 1% rule.
• Cap rate 8.6% vs local median 3.3% in Scottsboro — 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 74/100 on livability (#21 in AL, #4,752 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: employment D+, amenities D-, commute F.
• Scottsboro City (town): math 27% / reading 54% proficiency, ranked #27 of 129 in AL (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Caldwell Elementary School (math 27% / reading 52%, grade F, #243 of 627 statewide, top 41%, 542 students, 67% FRL); Collins Intermediate School (math 30% / reading 57%, grade D, #45 of 257 statewide, top 18%, 521 students, 61% FRL); Scottsboro High School (math 27% / reading 32%, grade F, #70 of 305 statewide, top 27%, 739 students, 50% FRL) — zoned schools average 59% FRL vs 43% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 78 active listings in the ZIP; 46 units permitted in Jackson County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Jackson County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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 $80k; list at $140k implies a 75% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• 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 $138,315 (1.1% below list)

Questions for the listing agent

1. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.99% ✗
• Cap rate: 8.64%
• Cash-on-cash: 8.40%
• DSCR: 1.37
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $137,514
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
525 Quincy St	0.24mi	2/1.0 (+1)	988 (-7%)	6mo	$127,400	$129	66
306 Larkin St	0.63mi	2/1.0 (+1)	1,000 (-6%)	6mo	$180,000	$180	50
212 Kyle St	0.62mi	2/2.0 (+1)	1,210 (+14%)	5mo	$150,000	$124	35

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: -3.6%
• Equity multiple: 0.87×
• Total profit: $-5,277
• Equity at exit: $20,860

10-year hold

• IRR: 6.0%
• Equity multiple: 1.45×
• Total profit: $17,607
• Equity at exit: $12,096

Cash invested: $39,172 (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 35768

• Home prices YoY: -16.1%
• Active inventory: 78
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,383 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$27 /mo · $319/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $274

Break-even live

Break-even rent $1,036

Max offer price $139,900

Occupancy floor 75%

Sensitivity live

Price	-10% $353	-5% $314	+0% $274	+5% $235	+10% $195
Rent	-10% $165	-5% $220	+0% $274	+5% $329	+10% $383
Rate	-1.0pp $345	-0.5pp $310	base $274	+0.5pp $238	+1.0pp $201

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-06-21
   days on market $139,900 Active 6 DOM
2. 2026-06-19
   days on market $139,900 Active 4 DOM
3. 2026-06-18
   days on market $139,900 Active 3 DOM
4. 2026-06-17
   days on market $139,900 Active 2 DOM
5. 2026-06-16
   remarks 392-char remark
6. 2026-06-16
   listed $139,900 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: $319 · $27/mo
• Projected year-2 tax: $574 · $48/mo
• Expected delta: +$255/yr (+$21/mo · 80.0%)

ⓘ 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 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,598
• − Mortgage interest: −$7,837
• − Property taxes: −$319
• − Insurance: −$700
• − Repairs & maintenance: −$1,328
• − Management: −$1,328
• − Depreciation: −$4,070
• Taxable income: $1,018
• Est. tax owed @ 24.0%: −$244
• After-tax cash flow: $3,046/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: Scottsboro City
• NCES district ID: 0102940
• Math proficiency: 27% ▼ -26.00%
• Reading proficiency: 54% ▼ -3.00%
• Median HH income: $38,210
• Composite: 33.67/100
• National rank: #5388
• State rank: #27 of 129 in AL

Livability — Scottsboro

• Score: 74/100
• State rank: #21
• US rank: #4752

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Scottsboro, AL
• Population (ZIP): 12,394

Population outlook (Jackson County) Hauer SSP2

• Today (2025): 50,261 people
• By 2030: 48,655 · -3.2%
• By 2040: 45,119 · -10.2%
• By 2050: 41,518 · -17.4%
• By 2075: 33,507 · -33.3%
• By 2100: 26,385 · -47.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 5% Hispanic / Latino 4% Black 3% Native American 1%
• Common ancestry: Serbian 2% Slovak 1% Iranian 1%
• Foreign-born: 2% · Canada, Vietnam
• Languages at home: 96% English-only · Spanish 3% Vietnamese 1%

Political lean MEDSL · Jackson

• 2024 margin: Solid R (+71.4) · D 13.9% · R 85.4%
• 2008→2024 swing: -34.5pp toward R · 2008: -36.9pp · 2024: -71.4pp
• All cycles: 2024: R+71.4 2020: R+67.5 2016: R+62.5 2012: R+41.9 2008: R+36.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -37.15%
• Current HPI: 193.1223
• Rent YoY: —
• Metro: —
• 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

+64.6% since first listed

7 events — show timeline

• 2026-06-15 Listed $139,900 VMLS
• 2022-11-07 Sold (Public Records) $80,000 Public Records
• 2022-11-07 Sold (MLS) $80,000 VMLS
• 2022-10-07 Pending — VMLS
• 2022-09-30 Relisted — VMLS
• 2022-09-19 Pending — VMLS
• 2022-09-16 Listed $85,000 VMLS

Property tax history

+8.2%/yr

Latest (2025): $319 · +7.9% YoY. Source: county tax records.