3442 Us Highway 43 · Killen, AL 35645

$94,900

5 bd · 2.0 ba · 1,238 sqft · SingleFamily public records · 30 Days on market

Built 1953 1.00 ac lot ↓ 28% since listing

---

Why this score? — see what drove the B- 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.1/10.0
• ARV discount +7.5/15.0
• Livability +3.5/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this charming 3-bedroom, 2-bath home situated on a spacious 1-acre lot, offering the perfect blend of comfort, updates, and outdoor space. With 1,412 square feet of living space, this property has seen several major improvements in recent years, making it move-in ready and easy to maintain. Recent updates include a new roof in 2019, a carport added in 2020, updated electrical in 2021, and energy-efficient mini split systems installed in 2022 for added comfort year-round. The large lot provides plenty of room to enjoy the outdoors, entertain guests, or create your own private retreat. Whether you are looking for a peaceful place to call home or a property with room to grow, this o

Key facts

• Updated electrical
• Carport
• Spacious lot

Tags

• NEW ROOF
• CARPORT
• UPDATED ELECTRICAL
• SPACIOUS LOT

Property features AI

Finance

• Other: Lot size: 1 acre
• HOA & community: No homeowners association

Exterior

• Parking: Driveway parking
• Utilities: Public water; Septic system; Electric water heater; Underground utilities; Internet availability unknown
• Home design: Existing construction; Tri-level layout (living area across main and upper levels)
• Construction: Vinyl siding; Slab foundation
• Exterior features: Front porch; No deck, patio, pool, or garden listed; Property not waterfront

Interior

• Kitchen: Solid surface countertops; Breakfast bar; Refrigerator; Electric stove
• Bedrooms: Bedroom on main level; Bedroom on main level; Bedroom on upper level
• Flooring: Carpet; Tile; Vinyl
• Bathrooms: Two full bathrooms; Baths include tub/shower combo
• Heating & cooling: No central heating listed; Window air conditioning units
• Interior features: Tri-level: No; Split level: No; Split foyer: No; Loft: No; Ceilings: Other (see remarks); Fireplace in living room with woodburning insert; No additional listed interior features
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $496 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $93k (1.5% below list) — sets the bar for market timing.
• Cap rate 12.6% vs local median 1.5% in Killen — 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 69/100 on livability (#49 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• Lauderdale County (rural): math 19% / reading 46% proficiency, ranked #53 of 129 in AL (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Brooks Elementary School (math 26% / reading 60%, grade F, #204 of 627 statewide, top 33%, 903 students, 48% FRL); Brooks High School (math 13% / reading 45%, grade F, #84 of 305 statewide, top 28%, 755 students, 48% FRL).
• Market conditions: 224 active listings in the ZIP; solid renter incomes; 164 units permitted in Lauderdale County in 2024 (72 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $656 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($93k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y ago; this cycle's ask has dropped $24k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $93,476 (1.5% below list)

Questions for the listing agent

1. Built in 1953 — 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: 1.41% ✓
• Cap rate: 12.56%
• Cash-on-cash: 22.38%
• DSCR: 2.00
• GRM: 5.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 15.2%
• Equity multiple: 1.61×
• Total profit: $16,154
• Equity at exit: $14,150

10-year hold

• IRR: 23.8%
• Equity multiple: 3.05×
• Total profit: $54,564
• Equity at exit: $8,205

Cash invested: $26,572 (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 35645

• Home prices YoY: -12.9%
• Active inventory: 224
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,338 medium
• Mortgage (P&I): −$498
• Tax from tax record: −$24 /mo · $290/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$281
• Net cashflow: $496

Break-even live

Break-even rent $711

Max offer price $94,900

Occupancy floor 58%

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-19
   days on market $94,900 Active 30 DOM
2. 2026-06-18
   days on market $94,900 Active 29 DOM
3. 2026-06-17
   price $94,900 Active 28 DOM
4. 2026-06-17
   days on market $99,900 Active 28 DOM
5. 2026-06-16
   days on market $99,900 Active 27 DOM
6. 2026-06-15
   days on market $99,900 Active 26 DOM
7. 2026-06-14
   days on market $99,900 Active 24 DOM
8. 2026-06-13
   pricedays on market $99,900 Active 23 DOM
9. 2026-06-10
   days on market $119,000 Active 21 DOM
10. 2026-06-09
    days on market $119,000 Active 20 DOM
11. 2026-06-08
    days on market $119,000 Active 19 DOM
12. 2026-06-07
    days on market $119,000 Active 18 DOM
13. 2026-06-05
    days on market $119,000 Active 15 DOM
14. 2026-06-03
    days on market $119,000 Active 14 DOM
15. 2026-06-02
    days on market $119,000 Active 13 DOM
16. 2026-06-01
    days on market $119,000 Active 12 DOM
17. 2026-05-31
    days on market $119,000 Active 11 DOM
18. 2026-05-30
    days on market $119,000 Active 10 DOM
19. 2026-05-19
    listed $119,000 Active
20. 2025-06-22
    price $135,000
21. 2025-04-17
    listed $149,900 Active
22. 2024-08-31
    listed $159,900 Active
23. 2024-06-01
    price $159,900
24. 2024-02-28
    price $162,000
25. 2023-10-26
    price $164,000
26. 2023-09-15
    listed $165,000 Active

ⓘ 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: $290 · $24/mo
• Projected year-2 tax: $389 · $32/mo
• Expected delta: +$99/yr (+$8/mo · 34.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 19% 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: $16,056
• − Mortgage interest: −$5,316
• − Property taxes: −$290
• − Insurance: −$474
• − Repairs & maintenance: −$1,285
• − Management: −$1,285
• − Depreciation: −$2,761
• Taxable income: $4,646
• Est. tax owed @ 24.0%: −$1,115
• After-tax cash flow: $4,833/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: Lauderdale County
• NCES district ID: 0102010
• Math proficiency: 19% ▼ -35.00%
• Reading proficiency: 46% ▼ -7.00%
• Median HH income: $47,501
• Composite: 27.93/100
• National rank: #6863
• State rank: #53 of 129 in AL

Livability — Killen

• Score: 69/100
• State rank: #49
• US rank: #8235

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Lauderdale County · 47,988 people
• City population: 13,960
• Metro: Florence-Muscle Shoals, AL
• Population (ZIP): 13,960
• Household income: $87,958
• Rent vs Own: 14.6% rent · 85.4% own
• Severe rent burden: 83.0

Population outlook (Lauderdale County) Hauer SSP2

• Today (2025): 93,386 people
• By 2030: 93,634 · +0.3%
• By 2040: 93,114 · -0.3%
• By 2050: 91,586 · -1.9%
• By 2075: 88,667 · -5.1%
• By 2100: 81,098 · -13.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 5% Black 3% Hispanic / Latino 3%
• Common ancestry: Slovak 3% Serbian 3% Italian 2%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Lauderdale

• 2024 margin: Solid R (+51.5) · D 23.8% · R 75.3%
• 2008→2024 swing: -23.3pp toward R · 2008: -28.2pp · 2024: -51.5pp
• All cycles: 2024: R+51.5 2020: R+44.7 2016: R+46.0 2012: R+30.9 2008: R+28.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -28.61%
• Current HPI: 193.3443
• Rent YoY: —
• Metro: Florence-Muscle Shoals, 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

-27.9% since first listed

8 events — show timeline

• 2026-05-19 Listed $119,000 Greater Alabama MLS
• 2025-06-22 Price Changed $135,000 SAARMLS
• 2025-04-17 Listed $149,900 SAARMLS
• 2024-08-31 Listed $159,900 SAARMLS
• 2024-06-01 Price Changed $159,900 SAARMLS
• 2024-02-28 Price Changed $162,000 SAARMLS
• 2023-10-26 Price Changed $164,000 SAARMLS
• 2023-09-15 Listed $165,000 SAARMLS

Property tax history

+7.1%/yr

Latest (2025): $290 · +3.8% YoY. Source: county tax records.