4314 Lumsden Battery Cir W · Tillmans Corner, AL 36619

$129,900

3 bd · 2.0 ba · 1,953 sqft · SingleFamily public records · 197 Days on market

Built 1974 0.40 ac lot $67/sqft · 39% below area Est $212k · 39% under ↓ 18% since listing

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.8/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

Key facts

• 0.4 acre lot
• Garage
• Built 1974

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $568 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.5% vs local median 5.0% in Tillmans Corner — 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 61/100 on livability (#260 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, schools F, amenities F.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 142 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 197 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $35k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% 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 $114,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 197 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is D 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?
7. 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.
8. 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.
9. 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: 1.38% ✓
• Cap rate: 11.54%
• Cash-on-cash: 18.75%
• DSCR: 1.83
• GRM: 6.1

CMA / ARV

• ARV (median comp): $212,124
• List price: $129,900
• Delta: -38.76%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5903 Lumsden Battery Cir N	0.21mi	3/2.0	1,812 (-7%)	7mo	$215,000	$119	72
5966 Camp Halls Mill Rd	0.11mi	4/3.0 (+1)	1,890 (-3%)	21mo	$249,500	$132	63
4317 Barden Ave	0.45mi	3/2.0	1,800 (-8%)	7mo	$160,000	$89	60
4439 Champlain Ave	0.49mi	3/2.0	1,852 (-5%)	16mo	$239,900	$130	55
5971 Windy Hill Cir S	0.20mi	4/2.5 (+1)	1,835 (-6%)	22mo	$243,000	$132	55

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: 10.5%
• Equity multiple: 1.42×
• Total profit: $15,150
• Equity at exit: $19,369

10-year hold

• IRR: 19.6%
• Equity multiple: 2.64×
• Total profit: $59,789
• Equity at exit: $11,231

Cash invested: $36,372 (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 36619

• Home prices YoY: -20.8%
• Active inventory: 142
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,789 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$110 /mo · $1,314/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$376
• Net cashflow: $568

Break-even live

Break-even rent $1,069

Max offer price $129,900

Occupancy floor 63%

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6190 Girby Rd Mobile, AL	1.0–3.0	1.0–2.0	1034	$1,789	$1.73	14d	15	1.26mi

Listing history 20 events

1. 2026-06-13
   status $129,900 Pending 197 DOM
2. 2026-06-10
   days on market $129,900 Active 197 DOM
3. 2026-06-09
   days on market $129,900 Active 196 DOM
4. 2026-06-08
   days on market $129,900 Active 195 DOM
5. 2026-06-07
   days on market $129,900 Active 194 DOM
6. 2026-06-05
   days on market $129,900 Active 191 DOM
7. 2026-06-03
   pricedays on market $129,900 Active 190 DOM
8. 2026-06-02
   days on market $134,900 Active 189 DOM
9. 2026-06-01
   days on market $134,900 Active 188 DOM
10. 2026-05-31
    days on market $134,900 Active 187 DOM
11. 2026-05-30
    days on market $134,900 Active 186 DOM
12. 2026-05-19
    status Active 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

13. 2026-05-19
    historical 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

14. 2026-04-21
    price $134,900 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

15. 2026-04-09
    status Active 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

16. 2026-04-02
    status Pending 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

17. 2026-03-10
    price $139,900 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

18. 2026-02-05
    price $144,900 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

19. 2025-12-29
    price $154,900 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

20. 2025-11-18
    listed $164,900 Active 533-char remark

    Show marketing remark (533 chars)

    Welcome to 4314 Lumsden Battery Circle—a 3-bedroom, 2-bath home situated on a desirable corner lot and offering nearly 2,000 sq. ft. of living space. Enjoy a fenced backyard perfect for pets, gatherings, or outdoor relaxation. The property also includes a one-car detached garage, providing ample parking and storage. Conveniently located near shopping, dining, and quick access to I-10. Call your favorite REALTOR® today to schedule a private showing. Property may be subject to the Alabama One-Year Right of Redemption.

ⓘ 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: $1,314 · $110/mo
• Projected year-2 tax: $1,314 · $110/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 9/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,468
• − Mortgage interest: −$7,276
• − Property taxes: −$1,314
• − Insurance: −$650
• − Repairs & maintenance: −$1,717
• − Management: −$1,717
• − Depreciation: −$3,779
• Taxable income: $5,014
• Est. tax owed @ 24.0%: −$1,203
• After-tax cash flow: $5,618/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Tillmans Corner

• Score: 61/100
• State rank: #260
• US rank: #18090

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tillmans Corner, AL
• City population: 14,550
• Population (ZIP): 14,550

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 11% Two or more races 6% Hispanic / Latino 6% Asian 6%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Lithuanian 5% Romanian 1% Portuguese 1%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 90% English-only · Vietnamese 5% Spanish 4% French/Haitian/Cajun 1%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -51.67%
• Current HPI: 197.1074
• 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

-18.2% since first listed

9 events — show timeline

• 2026-05-19 Relisted — GCMLS AL
• 2026-05-19 Delisted — GCMLS AL
• 2026-04-21 Price Changed $134,900 GCMLS AL
• 2026-04-09 Relisted — GCMLS AL
• 2026-04-02 Pending — GCMLS AL
• 2026-03-10 Price Changed $139,900 GCMLS AL
• 2026-02-05 Price Changed $144,900 GCMLS AL
• 2025-12-29 Price Changed $154,900 GCMLS AL
• 2025-11-18 Listed $164,900 GCMLS AL

Property tax history

+2.5%/yr

Latest (2025): $1,314 · +6.5% YoY. Source: county tax records.