1715 Pebble Creek Dr · Prattville, AL 36066

$265,000

3 bd · 2.0 ba · 1,788 sqft · SingleFamily public records · 43 Days on market

Built 1993 6,233 sqft lot $148/sqft · 11% below area Est $297k · 11% under

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Why this score? — see what drove the D 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).

• ARV discount +12.4/15.0
• Cash flow +11.4/30.0
• Livability +3.8/5.0
• DSCR +3.3/10.0
• Rent growth +3.2/5.0
• Schools +3.2/10.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Wonderful patio home located in the heart of Prattville. The 3 bedroom/2 bath home features generous size rooms and closets. The open concept floor plan features a large den with fireplace and custom built-in cabinets. The dining room, kitchen, and breakfast room offer plenty of room for food preparation and entertaining. The kitchen features granite countertops, island, pantry, electric range, dishwasher, and refrigerator. The primary bedroom boasts an ensuite bath with garden tub, separate shower, double vanity, and large walk-in closet. The remaining bedrooms have large closets and share a hall bath. The laundry room provides easy access to the carport. The covered patio is an outdoor retreat perfect for outdoor dining and relaxation. Recent updates include a roof, appliances, and tankless hot water heater.

Key facts

• 6,233 sq ft lot
• 2 parking spots
• Built 1993

Property features AI

Exterior

• Parking: Attached carport; 2 carport spaces
• Security: Fire alarm
• Utilities: Cable available; Electricity available; Natural gas available; Public water; Public sewer
• Home design: Single-story home
• Construction: Brick exterior; Slab foundation
• Exterior features: Covered patio; Covered porch; Porch; Partial fencing; Level lot; City lot; Subdivision; Public paved road frontage

Interior

• Kitchen: Dishwasher; Electric range; Smooth cooktop; Self-cleaning oven; Microwave; Microwave hood fan; Disposal; Refrigerator; Plumbed for ice maker; Kitchen island
• Bedrooms: Bedrooms located on the first floor
• Flooring: Carpet; Tile; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (gas); Central air conditioning (electric); Ceiling fans
• Interior features: Tray ceilings; Double vanity; Garden tub / Roman tub; High ceilings; Pull-down attic stairs; Separate shower; Walk-in closet(s); Kitchen island; Double-pane windows; Storm door(s); One fireplace
• Laundry & utility: Washer hookup; Dryer hookup; Gas water heater; Tankless water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $-95 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $248k (6.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $193k (27.2% below list).
• Recommended offer: $193k (27.2% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 4.2% in Prattville — 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 76/100 on livability (#11 in AL, #3,273 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B+; Watch: amenities D, commute F.
• Autauga County (rural): math 23% / reading 50% proficiency, ranked #34 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.9%/yr); 235 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 221 units permitted in Autauga County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Autauga County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($257k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 27y 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: major wind risk, 76% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $193,018 (27.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. 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.
7. 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.
8. 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: 0.73% ✗
• Cap rate: 5.86%
• Cash-on-cash: -1.53%
• DSCR: 0.93
• GRM: 11.4

CMA / ARV

• ARV (median comp): $297,461
• List price: $265,000
• Delta: -10.91%
• 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
1684 Cumberland Dr	0.51mi	3/2.0	1,759 (-2%)	3mo	$285,000	$162	71
728 Sweet Ridge Rd	0.55mi	3/2.0	1,752 (-2%)	1mo	$260,000	$148	71
106 Sweet Meadow Ct	0.55mi	3/2.0	1,752 (-2%)	1mo	$255,000	$146	70
615 Little Farm Rd	0.53mi	3/2.0	1,623 (-9%)	1mo	$250,000	$154	59
610 Linden Ln	0.70mi	3/2.0	1,709 (-4%)	1mo	$262,500	$154	59
1691 Rambling Brook Ln	0.32mi	4/2.0 (+1)	2,020 (+13%)	0mo	$310,000	$153	58
732 Silver Hills Dr	0.55mi	3/2.0	2,001 (+12%)	0mo	$295,000	$147	54
760 Summer Ln	0.51mi	3/2.0	2,051 (+15%)	3mo	$313,000	$153	49
721 Briarcliff Pl	0.67mi	4/2.0 (+1)	1,958 (+10%)	4mo	$286,000	$146	45
521 Mossy Oak Rdg	0.54mi	4/3.0 (+1)	2,020 (+13%)	1mo	$338,900	$168	44
123 Poplar St E	0.64mi	4/2.0 (+1)	2,000 (+12%)	3mo	$349,900	$175	43
1906 Dundee Dr	0.65mi	4/2.0 (+1)	2,039 (+14%)	3mo	$319,900	$157	39

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 · 2.86% rent growth · sell at horizon

5-year hold

• IRR: -19.0%
• Equity multiple: 0.34×
• Total profit: $-49,333
• Equity at exit: $39,512

10-year hold

• IRR: -11.9%
• Equity multiple: 0.30×
• Total profit: $-52,232
• Equity at exit: $22,912

Cash invested: $74,200 (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 36066

• Home prices YoY: -13.4%
• Rents YoY: 2.9%
• Active inventory: 235
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $1,930 high
• Mortgage (P&I): −$1,390
• Tax from tax record: −$119 /mo · $1,431/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$405
• Net cashflow: $-95

Break-even live

Break-even rent $2,050

Max offer price $248,304

Occupancy floor 100%

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: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
498 Greystone Way Prattville, AL	3.0	2.0	1873	$1,750	$0.93	13d	1	0.10mi
710 Summer Ln Prattville, AL	3.0	2.0	1539	$1,600	$1.04	43d	1	0.38mi
106 Sweet Meadow Ct Prattville, AL	3.0	2.0	1752	$2,100	$1.20	13d	1	0.52mi
110 Dellwood Ct Prattville, AL	3.0	2.0	1424	$1,700	$1.19	43d	1	0.72mi
615 Castle Brook Dr Prattville, AL	4.0	2.0	2038	$2,000	$0.98	21d	1	0.80mi
1291 Huie St Prattville, AL	3.0	2.0	1528	$1,761	$1.15	43d	1	0.80mi
928 Running Brook Dr Prattville, AL	4.0	2.0	2048	$2,000	$0.98	13d	1	0.82mi
2100 Legends Dr Prattville, AL	1.0–3.0	1.0–2.0	1315	$2,213	$1.68	13d	13	0.99mi
130 Graylynn Dr Prattville, AL	3.0	2.0	1281	$1,300	$1.01	13d	1	1.01mi
525 Breckinridge Ln Prattville, AL	3.0	2.0	1560	$1,700	$1.09	43d	1	1.06mi
1235 Sadie Cir Prattville, AL	3.0	2.0	1811	$2,200	$1.21	43d	1	1.18mi
107 Richmond Way Prattville, AL	3.0	2.0	1232	$1,400	$1.14	13d	1	1.20mi
113 Lori St Prattville, AL	4.0	2.0	1489	$1,700	$1.14	43d	1	1.20mi
1117 Newton St Prattville, AL	3.0	1.5	1422	$1,400	$0.98	43d	1	1.26mi
1122 Oates Rd Prattville, AL	3.0	2.0	1707	$1,656	$0.97	43d	1	1.27mi
669 Covered Bridge Pkwy Prattville, AL	1.0–3.0	1.0–2.0	1133	$1,564	$1.38	13d	14	1.36mi
113 Tew St Prattville, AL	4.0	2.0	1563	$1,731	$1.11	13d	1	1.41mi
790 Old Quarters Rd Prattville, AL	1.0–3.0	1.0–2.0	1146	$2,486	$2.17	13d	13	1.43mi

Listing history 28 events

1. 2026-06-18
   days on market $265,000 Active 43 DOM
2. 2026-06-17
   days on market $265,000 Active 42 DOM
3. 2026-06-16
   days on market $265,000 Active 41 DOM
4. 2026-06-15
   days on market $265,000 Active 40 DOM
5. 2026-06-14
   days on market $265,000 Active 38 DOM
6. 2026-06-13
   days on market $265,000 Active 37 DOM
7. 2026-06-10
   days on market $265,000 Active 35 DOM
8. 2026-06-09
   days on market $265,000 Active 34 DOM
9. 2026-06-08
   days on market $265,000 Active 33 DOM
10. 2026-06-07
    days on market $265,000 Active 32 DOM
11. 2026-06-03
    days on market $265,000 Active 28 DOM
12. 2026-06-02
    days on market $265,000 Active 27 DOM
13. 2026-06-01
    days on market $265,000 Active 26 DOM
14. 2026-05-31
    days on market $265,000 Active 25 DOM
15. 2026-05-30
    days on market $265,000 Active 24 DOM
16. 2026-05-06
    listed $265,000 Active 1159-char remark
17. 2025-12-04
    soldstatus $250,000
18. 2025-11-25
    soldstatus $250,000 Closed 821-char remark

    Show marketing remark (821 chars)

    Wonderful patio home located in the heart of Prattville. The 3 bedroom/2 bath home features generous size rooms and closets. The open concept floor plan features a large den with fireplace and custom built-in cabinets. The dining room, kitchen, and breakfast room offer plenty of room for food preparation and entertaining. The kitchen features granite countertops, island, pantry, electric range, dishwasher, and refrigerator. The primary bedroom boasts an ensuite bath with garden tub, separate shower, double vanity, and large walk-in closet. The remaining bedrooms have large closets and share a hall bath. The laundry room provides easy access to the carport. The covered patio is an outdoor retreat perfect for outdoor dining and relaxation. Recent updates include a roof, appliances, and tankless hot water heater.

19. 2025-11-22
    status Pending 821-char remark

    Show marketing remark (821 chars)

    Wonderful patio home located in the heart of Prattville. The 3 bedroom/2 bath home features generous size rooms and closets. The open concept floor plan features a large den with fireplace and custom built-in cabinets. The dining room, kitchen, and breakfast room offer plenty of room for food preparation and entertaining. The kitchen features granite countertops, island, pantry, electric range, dishwasher, and refrigerator. The primary bedroom boasts an ensuite bath with garden tub, separate shower, double vanity, and large walk-in closet. The remaining bedrooms have large closets and share a hall bath. The laundry room provides easy access to the carport. The covered patio is an outdoor retreat perfect for outdoor dining and relaxation. Recent updates include a roof, appliances, and tankless hot water heater.

20. 2025-10-29
    listed Contingent 821-char remark

    Show marketing remark (821 chars)

    Wonderful patio home located in the heart of Prattville. The 3 bedroom/2 bath home features generous size rooms and closets. The open concept floor plan features a large den with fireplace and custom built-in cabinets. The dining room, kitchen, and breakfast room offer plenty of room for food preparation and entertaining. The kitchen features granite countertops, island, pantry, electric range, dishwasher, and refrigerator. The primary bedroom boasts an ensuite bath with garden tub, separate shower, double vanity, and large walk-in closet. The remaining bedrooms have large closets and share a hall bath. The laundry room provides easy access to the carport. The covered patio is an outdoor retreat perfect for outdoor dining and relaxation. Recent updates include a roof, appliances, and tankless hot water heater.

21. 2025-10-28
    listed $250,000 821-char remark

    Show marketing remark (821 chars)

    Wonderful patio home located in the heart of Prattville. The 3 bedroom/2 bath home features generous size rooms and closets. The open concept floor plan features a large den with fireplace and custom built-in cabinets. The dining room, kitchen, and breakfast room offer plenty of room for food preparation and entertaining. The kitchen features granite countertops, island, pantry, electric range, dishwasher, and refrigerator. The primary bedroom boasts an ensuite bath with garden tub, separate shower, double vanity, and large walk-in closet. The remaining bedrooms have large closets and share a hall bath. The laundry room provides easy access to the carport. The covered patio is an outdoor retreat perfect for outdoor dining and relaxation. Recent updates include a roof, appliances, and tankless hot water heater.

22. 2013-06-14
    soldstatus $160,000

    Show marketing remark (155 chars)

    ADORABLE PATIO HOME! KITCHEN HAS GRANITE COUNTEROPS, ISLAND AND PANTRY! SEPARATE DINING ROOM, GREATROOM WITH FIREPLACE. COVERED PATIO AND A DOUBLE CARPORT!

23. 2013-06-13
    soldstatus $160,000
24. 2013-04-09
    listed $172,900

    Show marketing remark (155 chars)

    ADORABLE PATIO HOME! KITCHEN HAS GRANITE COUNTEROPS, ISLAND AND PANTRY! SEPARATE DINING ROOM, GREATROOM WITH FIREPLACE. COVERED PATIO AND A DOUBLE CARPORT!

25. 2012-07-10
    listed $172,900
26. 2001-05-14
    soldstatus $136,500
27. 1999-08-30
    soldstatus $130,500
28. 1999-06-08
    listed $133,900

ⓘ 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: $1,431 · $119/mo
• Projected year-2 tax: $1,431 · $119/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 ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,162
• − Mortgage interest: −$14,844
• − Property taxes: −$1,431
• − Insurance: −$1,325
• − Repairs & maintenance: −$1,853
• − Management: −$1,853
• − Depreciation: −$7,709
• Taxable loss: −$5,853
• Est. tax savings @ 24.0%: +$1,405
• After-tax cash flow: $271/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: Autauga County
• NCES district ID: 0100240
• Math proficiency: 23% ▼ -31.00%
• Reading proficiency: 50% ▼ -5.00%
• Median HH income: $52,974
• Composite: 31.77/100
• National rank: #5892
• State rank: #34 of 129 in AL

Livability — Prattville

• Score: 76/100
• State rank: #11
• US rank: #3273

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prattville, AL
• County: Autauga County · 50,925 people
• City population: 50,925
• Metro: Montgomery, AL
• Population (ZIP): 22,632
• Household income: $86,278
• Rent vs Own: 36.6% rent · 63.4% own
• Severe rent burden: 683.0

Population outlook (Autauga County) Hauer SSP2

• Today (2025): 55,958 people
• By 2030: 55,810 · -0.3%
• By 2040: 54,892 · -1.9%
• By 2050: 53,062 · -5.2%
• By 2075: 49,425 · -11.7%
• By 2100: 45,110 · -19.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Black 21% Two or more races 5% Hispanic / Latino 4% Asian 2%
• Common ancestry: Slovak 3% Lithuanian 2% Serbian 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 92% English-only · Spanish 3% Other Asian/Pacific 1% Tagalog/Filipino 1%

Political lean MEDSL · Autauga

• 2024 margin: Solid R (+46.3) · D 26.4% · R 72.7%
• 2008→2024 swing: +1.6pp toward D · 2008: -47.8pp · 2024: -46.3pp
• All cycles: 2024: R+46.3 2020: R+44.4 2016: R+49.5 2012: R+46.0 2008: R+47.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -30.80%
• Current HPI: 198.2636
• Rent YoY: ▲ 2.86%
• Metro: Montgomery, 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

+97.9% since first listed

13 events — show timeline

• 2026-05-06 Listed $265,000 MAAR
• 2025-12-04 Sold (Public Records) $250,000 Public Records
• 2025-11-25 Sold (MLS) $250,000 MAAR
• 2025-11-22 Pending — MAAR
• 2025-10-29 Listed — MAAR
• 2025-10-28 Listed $250,000 MAAR
• 2013-06-14 Sold (MLS) $160,000 MAAR
• 2013-06-13 Sold (Public Records) $160,000 Public Records
• 2013-04-09 Listed $172,900 MAAR
• 2012-07-10 Listed $172,900 MAAR
• 2001-05-14 Sold (Public Records) $136,500 Public Records
• 1999-08-30 Sold (MLS) $130,500 MAAR
• 1999-06-08 Listed $133,900 MAAR

Property tax history

+12.5%/yr

Latest (2025): $1,431 · +1.5% YoY. Source: county tax records.