2339 St Charles Ave · Montgomery, AL 36107

$79,900

4 bd · 2.0 ba · 1,924 sqft · SingleFamily public records · 139 Days on market

Built 1920 8,276 sqft lot $42/sqft · 38% below area Est $133k · 40% under $1/mo HOA ↓ 37% 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +3.8/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

Key facts

• Formal dining room
• Large front porch
• Private back yard

Tags

• LARGE FRONT PORCH
• FORMAL DINING ROOM
• LARGE KITCHEN
• PRIVATE BACK YARD
• STORAGE BUILDING
• CLOSE TO GUNTER AIR FORCE BASE

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $497 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.8% vs local median 6.0% in Montgomery — 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 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D, crime F.
• Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.0%/yr); 67 active listings in the ZIP; 36 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; lower-income renter base — watch delinquency; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).
• At $1,352/mo this rent would consume 50% of the median local household income ($32k/yr) (locally 642% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Montgomery 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 + 5.0% rent growth), your $22k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 139 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 15y ago; this cycle's ask has dropped $35k (30%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 139 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 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Crime grade is F 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: 1.69% ✓
• Cap rate: 13.76%
• Cash-on-cash: 26.66%
• DSCR: 2.19
• GRM: 4.9

CMA / ARV

• ARV (median comp): $133,189
• List price: $79,900
• Delta: -40.01%
• 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
13 Brantwood Dr	0.27mi	3/2.5 (-1)	1,909 (-1%)	0mo	$118,000	$62	79
2219 St Charles Ave	0.14mi	3/2.0 (-1)	1,736 (-10%)	2mo	$155,000	$89	71
125 Kent St	0.60mi	3/2.0 (-1)	1,932 (+0%)	0mo	$130,000	$67	66
2100 Capitol Ave	0.38mi	3/2.0 (-1)	2,056 (+7%)	2mo	$145,000	$71	65
2731 Ashley Ave	0.62mi	3/2.5 (-1)	1,919 (-0%)	2mo	$225,000	$117	62
2311 Mccarter Ave	0.41mi	3/2.0 (-1)	1,765 (-8%)	0mo	$64,000	$36	62
2134 Winona Ave	0.24mi	3/1.0 (-1)	1,664 (-14%)	1mo	$101,700	$61	56
119 Kent St	0.59mi	3/2.0 (-1)	1,785 (-7%)	1mo	$135,000	$76	55
1807 St Charles Ave	0.58mi	4/2.0	1,736 (-10%)	2mo	$65,500	$38	55
3129 Willow Lane Dr	0.61mi	4/2.0	1,706 (-11%)	4mo	$180,000	$106	50
3012 Pelzer Ave	0.75mi	3/2.0 (-1)	1,790 (-7%)	0mo	$159,900	$89	48
2740 Ashley Ave	0.59mi	3/1.5 (-1)	2,187 (+14%)	1mo	$177,000	$81	42

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 · 5.05% rent growth · sell at horizon

5-year hold

• IRR: 22.9%
• Equity multiple: 1.96×
• Total profit: $21,586
• Equity at exit: $11,913

10-year hold

• IRR: 32.2%
• Equity multiple: 4.21×
• Total profit: $71,864
• Equity at exit: $6,908

Cash invested: $22,372 (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 36107

• Home prices YoY: -10.9%
• Rents YoY: 5.0%
• Active inventory: 67
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,352 high
• Mortgage (P&I): −$419
• Tax from tax record: −$118 /mo · $1,411/yr
• Insurance: −$33
• HOA: −$1
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $497

Break-even live

Break-even rent $723

Max offer price $79,900

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2243 Winona Ave Montgomery, AL	3.0	1.0	1492	$1,225	$0.82	21d	1	0.13mi
7 Bradley Dr Montgomery, AL	3.0	2.0	1529	$1,500	$0.98	13d	1	0.28mi
15 Bradley Dr Montgomery, AL	3.0	2.0	1365	$1,500	$1.10	21d	1	0.29mi
18 Oak Forest Dr Montgomery, AL	3.0	2.0	1580	$1,050	$0.66	21d	1	0.32mi
2113 Brewton St Montgomery, AL	3.0	1.0	1363	$1,150	$0.84	43d	1	0.37mi
2004 Capitol Ave Unit 1043879P Montgomery, AL	4.0	2.5	1797	$3,518	$1.96	13d	1	0.43mi
2769 Pelzer Ave Montgomery, AL	3.0	2.0	1608	$1,325	$0.82	43d	1	0.53mi
2814 Ashley Ave Montgomery, AL	3.0	2.0	1683	$1,350	$0.80	13d	1	0.67mi
401 Ridgewood Ln Montgomery, AL	3.0	2.0	1513	$1,195	$0.79	21d	1	0.74mi
2009 Palmetto St Montgomery, AL	3.0	1.0	1487	$1,050	$0.71	43d	1	0.76mi
128 S Capitol Pkwy Montgomery, AL	3.0	1.0	1550	$1,500	$0.97	43d	1	0.78mi
3329 Vermont Dr Montgomery, AL	3.0	1.5	1465	$1,395	$0.95	13d	1	0.81mi
2822 Sumter Ave Montgomery, AL	3.0	2.5	1617	$1,300	$0.80	21d	1	0.81mi
200 Eton Rd Montgomery, AL	3.0	1.5	1500	$895	$0.60	13d	1	0.83mi
167 E Salem Dr Montgomery, AL	3.0	2.0	1700	$1,050	$0.62	43d	1	0.84mi
2941 Ashley Ave Unit 6616 Montgomery, AL	3.0	2.0	2340	$1,250	$0.53	43d	1	0.85mi
3233 Hillcrest Ln Montgomery, AL	3.0	2.0	1278	$1,395	$1.09	21d	1	0.86mi
239 Forest Hills Dr Montgomery, AL	4.0	1.5	1500	$1,450	$0.97	21d	1	0.90mi
3105 Pelzer Ave Montgomery, AL	4.0	2.0	1605	$1,425	$0.89	43d	1	0.93mi
3309 Hillcrest Ln Unit 1043908P Montgomery, AL	4.0	2.0	1625	$2,885	$1.78	21d	1	1.00mi
3515 Cottonwood Dr Montgomery, AL	3.0	1.5	1246	$1,350	$1.08	43d	1	1.01mi
2001 Speigle St Montgomery, AL	3.0	1.0	1260	$1,035	$0.82	43d	1	1.14mi
3136 Harrison Rd Montgomery, AL	3.0	1.5	1355	$1,025	$0.76	43d	1	1.16mi
3667 Willow Lane Dr Montgomery, AL	5.0	3.0	2565	$1,850	$0.72	43d	1	1.16mi
118 Nottingham Ct Montgomery, AL	3.0	2.0	1344	$1,275	$0.95	43d	1	1.22mi
926 Green Ridge Ct Montgomery, AL	3.0	2.0	1665	$1,381	$0.83	13d	1	1.26mi
3602 Little John Dr Montgomery, AL	4.0	1.0	1286	$1,400	$1.09	21d	1	1.27mi
1008 Pelham St Montgomery, AL	4.0	2.0	1288	$1,300	$1.01	43d	1	1.30mi
942 Parkwood Ct Montgomery, AL	4.0	2.0	1752	$1,299	$0.74	13d	1	1.36mi
3462 Biltmore Ave Montgomery, AL	3.0	2.0	1685	$1,225	$0.73	21d	1	1.37mi
3359 Bedford Ln Montgomery, AL	4.0	2.0	1786	$1,600	$0.90	13d	1	1.43mi
950 Karen Rd Montgomery, AL	5.0	2.0	2400	$1,650	$0.69	13d	1	1.43mi
931 Whitehall Pkwy Montgomery, AL	4.0	3.0	2403	$1,800	$0.75	44d	1	1.43mi
688 Joryne Dr Montgomery, AL	3.0	2.0	1500	$1,200	$0.80	43d	1	1.46mi
817 Dumont Dr Montgomery, AL	3.0	2.0	1635	$1,800	$1.10	13d	1	1.47mi
3008 Cabot St Montgomery, AL	4.0	2.0	1300	$1,150	$0.88	43d	1	1.49mi

HOA detail

• Monthly dues: $1 · $12/yr

Listing history 30 events

1. 2026-06-18
   days on market $79,900 Active 139 DOM
2. 2026-06-17
   days on market $79,900 Active 138 DOM
3. 2026-06-16
   days on market $79,900 Active 137 DOM
4. 2026-06-15
   days on market $79,900 Active 136 DOM
5. 2026-06-14
   days on market $79,900 Active 134 DOM
6. 2026-06-13
   days on market $79,900 Active 133 DOM
7. 2026-06-10
   days on market $79,900 Active 131 DOM
8. 2026-06-09
   days on market $79,900 Active 130 DOM
9. 2026-06-08
   days on market $79,900 Active 129 DOM
10. 2026-06-07
    days on market $79,900 Active 128 DOM
11. 2026-06-03
    days on market $79,900 Active 124 DOM
12. 2026-06-02
    days on market $79,900 Active 123 DOM
13. 2026-06-01
    days on market $79,900 Active 122 DOM
14. 2026-05-31
    days on market $79,900 Active 121 DOM
15. 2026-05-30
    days on market $79,900 Active 120 DOM
16. 2026-05-17
    status Pending 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

17. 2026-04-22
    price $79,900 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

18. 2026-04-06
    price $89,900 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

19. 2026-03-31
    status Active 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

20. 2026-03-26
    status Pending 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

21. 2026-03-09
    price $99,900 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

22. 2026-02-06
    price $109,900 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

23. 2026-01-15
    listed $114,900 Active 827-char remark

    Show marketing remark (827 chars)

    This house has it all: 4BR/2BA; 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Interior Doors, historic home one of the neighborhood's most desirable! houses, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen, Hard Tile Floors, The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

24. 2025-11-07
    soldstatus $557,319
25. 2022-11-02
    soldstatus $99,900
26. 2022-10-13
    soldstatus $99,900 887-char remark

    Show marketing remark (887 chars)

    WONDERFUL PRICE! This CHARMING 4 Bedroom, 2 Bath, 1 & ½ story 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Two Fireplaces, Interior Doors, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen has been Updated with Granite Countertops, Hard Tile Floors and modern appliances. The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

27. 2022-09-28
    listed $114,900 887-char remark

    Show marketing remark (887 chars)

    WONDERFUL PRICE! This CHARMING 4 Bedroom, 2 Bath, 1 & ½ story 1,986 SqFt home of the 1920’s, located in the HISTORICAL Neighborhood of Capitol Heights, “fits” today’s casual, relaxed living style while retaining details you find in homes of this vintage; Wood Floors, Two Fireplaces, Interior Doors, Large Front Porch – to name a few. INSIDE is a GORGEOUS Living Room with Fireplace that leads into a Formal Dining Room. Large Kitchen has been Updated with Granite Countertops, Hard Tile Floors and modern appliances. The Main Bedroom is Downstairs with a NICE Main Bath. Bedroom 2 is located at the front of the house with easy access to Bath 2. Upstairs are Two More Bedrooms! Nice, Private Back Yard with Storage Building. This home is Conveniently located close to Downtown, Gunter & Maxwell Air Force Base, Shopping and Restaurants!

28. 2011-07-12
    soldstatus $129,081
29. 2011-06-29
    soldstatus $125,000
30. 2011-01-05
    listed $125,900

ⓘ 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: $1,411 · $118/mo
• Projected year-2 tax: $1,411 · $118/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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,222
• − Mortgage interest: −$4,476
• − Property taxes: −$1,411
• − Insurance: −$400
• − Repairs & maintenance: −$1,298
• − Management: −$1,298
• − HOA: −$12
• − Depreciation: −$2,324
• Taxable income: $5,003
• Est. tax owed @ 24.0%: −$1,201
• After-tax cash flow: $4,764/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: Montgomery County
• NCES district ID: 0102430
• Math proficiency: 9% ▼ -21.00%
• Reading proficiency: 31% ▼ -1.00%
• Median HH income: $43,902
• Composite: 17.24/100
• National rank: #9093
• State rank: #106 of 129 in AL

Livability — Montgomery

• Score: 65/100
• State rank: #138
• US rank: #13416

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Montgomery, AL
• County: Montgomery County · 190,016 people
• City population: 175,913
• Metro: Montgomery, AL
• Population (ZIP): 8,001
• Household income: $32,492
• Rent vs Own: 61.8% rent · 38.2% own
• Severe rent burden: 642.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 224,008 people
• By 2030: 221,460 · -1.1%
• By 2040: 214,179 · -4.4%
• By 2050: 204,912 · -8.5%
• By 2075: 177,821 · -20.6%
• By 2100: 145,134 · -35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: Black 43% White 27% Hispanic / Latino 23% Two or more races 20%
• Hispanic origin (detail): Mexican 8% Cuban 3%
• Common ancestry: Slovak 1% Iranian 1% Serbian 1%
• Foreign-born: 11% · Canada
• Languages at home: 83% English-only · Spanish 13%

Political lean MEDSL · Montgomery

• 2024 margin: Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
• 2008→2024 swing: +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
• All cycles: 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -18.16%
• Current HPI: 147.8065
• Rent YoY: ▲ 5.05%
• 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

-36.5% since first listed

15 events — show timeline

• 2026-05-17 Pending — MAAR
• 2026-04-22 Price Changed $79,900 MAAR
• 2026-04-06 Price Changed $89,900 MAAR
• 2026-03-31 Relisted — MAAR
• 2026-03-26 Pending — MAAR
• 2026-03-09 Price Changed $99,900 MAAR
• 2026-02-06 Price Changed $109,900 MAAR
• 2026-01-15 Listed $114,900 MAAR
• 2025-11-07 Sold (Public Records) $557,319 Public Records
• 2022-11-02 Sold (Public Records) $99,900 Public Records
• 2022-10-13 Sold (MLS) $99,900 MAAR
• 2022-09-28 Listed $114,900 MAAR
• 2011-07-12 Sold (Public Records) $129,081 Public Records
• 2011-06-29 Sold (MLS) $125,000 MAAR
• 2011-01-05 Listed $125,900 MAAR

Property tax history

+13.2%/yr

Latest (2025): $1,411 · -10.9% YoY. Source: county tax records.