1211 Baltimore Hill Rd · Moores Mill, AL 35810

$160,000

3 bd · 1.0 ba · 800 sqft · SingleFamily public records · 126 Days on market

Built 1962 0.50 ac lot $200/sqft · at area comps Est $165k · at est.

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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).

• Cash flow +13.2/30.0
• ARV discount +8.9/15.0
• DSCR +4.0/10.0
• 1% rule +3.7/10.0
• Schools +3.7/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fantastic Schools & Location close to I-565, hwy 431, Hwy 251. Situated on 1/2 acre lot this 3 bedroom/1 bath bungalow completely renovated 23. Kitchen has updated cabinets, pendant lighting, farm house sink, butcher block, new hardware, stainless appliances, recess lighting, updated lighting & ceiling fans, updated lighting int. & exterior, updated thermostat, 2 new decks, 5 in blinds, updated LVP thru out, updated double pane windows, smooth ceilings. Bathroom updated w/ new vanity, ship lap walls, framed mirrors, tile shower with amazing message shower heads, updated toilet. Septic tank pumped 2023 & walk in master closet. Perfect investment home or estimated AIRBNB $39,146 annually.

Key facts

• Updated cabinets
• 1/2 acre lot
• Completely renovated

Tags

• LOCATION CLOSE TO I 565
• LOCATION CLOSE TO HWY 431
• LOCATION CLOSE TO HWY 251
• 1/2 ACRE LOT
• COMPLETELY RENOVATED
• UPDATED CABINETS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $-2 ($-26/yr) — negative.
• To cash-flow at today's rent, offer at most $160k (0.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $140k (12.7% below list).
• Recommended offer: $140k (12.7% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 3.8% in Moores Mill — 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 66/100 on livability (#109 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety F.
• Madison County (rural): math 27% / reading 56% proficiency, ranked #19 of 129 in AL (top 15%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Mt Carmel Elementary School (math 37% / reading 72%, grade C, #87 of 627 statewide, top 15%, 646 students, 34% FRL); Buckhorn Middle School (math 19% / reading 59%, grade F, #64 of 257 statewide, top 25%, 688 students, 38% FRL); Buckhorn High School (math 31% / reading 33%, grade F, #59 of 305 statewide, top 21%, 1,287 students, 34% FRL).
• Market conditions: Rents soft (-0.1%/yr); 340 active listings in the ZIP; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).
• This rent runs 33% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 126 days — a 12% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $139,696 (12.7% 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 126 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
3. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.87% ✗
• Cap rate: 6.28%
• Cash-on-cash: -0.06%
• DSCR: 1.00
• GRM: 9.5

CMA / ARV

• ARV (median comp): $165,218
• List price: $160,000
• Delta: -3.16%
• Verdict: FAIR
• Comps: 2 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -19.8%
• Equity multiple: 0.33×
• Total profit: $-30,135
• Equity at exit: $23,857

10-year hold

• IRR: -20.9%
• Equity multiple: 0.06×
• Total profit: $-42,151
• Equity at exit: $13,834

Cash invested: $44,800 (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 35810

• Home prices YoY: -23.5%
• Rents YoY: -0.1%
• Active inventory: 340
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,397 medium
• Mortgage (P&I): −$839
• Tax est. 1.5%: −$200 /mo · $2,400/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$293
• Net cashflow: $-2

Break-even live

Break-even rent $1,400

Max offer price $159,692

Occupancy floor 95%

Sensitivity live

Price	-10% $108	-5% $53	+0% $-2	+5% $-57	+10% $-113
Rent	-10% $-112	-5% $-57	+0% $-2	+5% $53	+10% $108
Rate	-1.0pp $78	-0.5pp $39	base $-2	+0.5pp $-44	+1.0pp $-86

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-22
   days on market $160,000 Active 126 DOM
2. 2026-06-18
   days on market $160,000 Active 123 DOM
3. 2026-06-17
   days on market $160,000 Active 122 DOM
4. 2026-06-16
   days on market $160,000 Active 121 DOM
5. 2026-06-15
   days on market $160,000 Active 120 DOM
6. 2026-06-14
   days on market $160,000 Active 118 DOM
7. 2026-06-10
   days on market $160,000 Active 115 DOM
8. 2026-06-09
   days on market $160,000 Active 114 DOM
9. 2026-06-08
   days on market $160,000 Active 113 DOM
10. 2026-06-07
    days on market $160,000 Active 112 DOM
11. 2026-06-02
    days on market $160,000 Active 107 DOM
12. 2026-06-01
    days on market $160,000 Active 106 DOM
13. 2026-05-31
    days on market $160,000 Active 105 DOM
14. 2026-05-30
    days on market $160,000 Active 104 DOM
15. 2026-03-31
    price $160,000 712-char remark

    Show marketing remark (712 chars)

    Fantastic Schools & Location close to I-565, hwy 431, Hwy 251. Situated on 1/2 acre lot this 3 bedroom/1 bath bungalow completely renovated 23. Kitchen has updated cabinets, pendant lighting, farm house sink, butcher block, new hardware, stainless appliances, recess lighting, updated lighting & ceiling fans, updated lighting int. & exterior, updated thermostat, 2 new decks, 5 in blinds, updated LVP thru out, updated double pane windows, smooth ceilings. Bathroom updated w/ new vanity, ship lap walls, framed mirrors, tile shower with amazing message shower heads, updated toilet. Septic tank pumped 2023 & walk in master closet. Perfect investment home or estimated AIRBNB $39,146 annually.

16. 2026-03-25
    price $162,000 712-char remark

    Show marketing remark (712 chars)

    Fantastic Schools & Location close to I-565, hwy 431, Hwy 251. Situated on 1/2 acre lot this 3 bedroom/1 bath bungalow completely renovated 23. Kitchen has updated cabinets, pendant lighting, farm house sink, butcher block, new hardware, stainless appliances, recess lighting, updated lighting & ceiling fans, updated lighting int. & exterior, updated thermostat, 2 new decks, 5 in blinds, updated LVP thru out, updated double pane windows, smooth ceilings. Bathroom updated w/ new vanity, ship lap walls, framed mirrors, tile shower with amazing message shower heads, updated toilet. Septic tank pumped 2023 & walk in master closet. Perfect investment home or estimated AIRBNB $39,146 annually.

17. 2026-02-15
    listed $169,900 Active 712-char remark

    Show marketing remark (712 chars)

    Fantastic Schools & Location close to I-565, hwy 431, Hwy 251. Situated on 1/2 acre lot this 3 bedroom/1 bath bungalow completely renovated 23. Kitchen has updated cabinets, pendant lighting, farm house sink, butcher block, new hardware, stainless appliances, recess lighting, updated lighting & ceiling fans, updated lighting int. & exterior, updated thermostat, 2 new decks, 5 in blinds, updated LVP thru out, updated double pane windows, smooth ceilings. Bathroom updated w/ new vanity, ship lap walls, framed mirrors, tile shower with amazing message shower heads, updated toilet. Septic tank pumped 2023 & walk in master closet. Perfect investment home or estimated AIRBNB $39,146 annually.

18. 2023-05-10
    soldstatus $167,000
19. 2023-02-16
    soldstatus $67,000
20. 2023-02-13
    soldstatus $67,000 Sold 279-char remark

    Show marketing remark (279 chars)

    Fantastic Schools!! Fantastic Location just outside the city limits! Peace & quiet within a quick drive of all Huntsville has to offer. Situated on 0.5 acre lot this 3 bedroom & 1 bungalow is just waiting for some TLC to transform it into the perfect home for any family!

21. 2023-02-04
    status Pending 279-char remark

    Show marketing remark (279 chars)

    Fantastic Schools!! Fantastic Location just outside the city limits! Peace & quiet within a quick drive of all Huntsville has to offer. Situated on 0.5 acre lot this 3 bedroom & 1 bungalow is just waiting for some TLC to transform it into the perfect home for any family!

22. 2022-12-07
    listed $80,000 Active 279-char remark

    Show marketing remark (279 chars)

    Fantastic Schools!! Fantastic Location just outside the city limits! Peace & quiet within a quick drive of all Huntsville has to offer. Situated on 0.5 acre lot this 3 bedroom & 1 bungalow is just waiting for some TLC to transform it into the perfect home for any family!

23. 2022-04-20
    soldstatus $60,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% 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: $16,764
• − Mortgage interest: −$8,962
• − Property taxes: −$2,400
• − Insurance: −$800
• − Repairs & maintenance: −$1,341
• − Management: −$1,341
• − Depreciation: −$4,655
• Taxable loss: −$2,736
• Est. tax savings @ 24.0%: +$657
• After-tax cash flow: $631/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: Madison County
• NCES district ID: 0102220
• Math proficiency: 27% ▼ -32.00%
• Reading proficiency: 56% ▼ -1.00%
• Median HH income: $66,058
• Composite: 37.15/100
• National rank: #4483
• State rank: #19 of 129 in AL

Livability — Moores Mill

• Score: 66/100
• State rank: #109
• US rank: #11986

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moores Mill, AL
• County: Madison County · 380,832 people
• Metro: Huntsville, AL
• Population (ZIP): 32,843
• Household income: $51,233
• Rent vs Own: 36.6% rent · 63.4% own
• Severe rent burden: 1223.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 392,086 people
• By 2030: 409,788 · +4.5%
• By 2040: 440,557 · +12.4%
• By 2050: 460,990 · +17.6%
• By 2075: 502,872 · +28.3%
• By 2100: 513,623 · +31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (69%)
• Race & ethnicity: Black 69% White 18% Hispanic / Latino 9% Two or more races 5%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2% Dominican 2%
• Common ancestry: Italian 2% Lithuanian 0%
• Foreign-born: 6% · Canada
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Madison

• 2024 margin: Lean R (+9.0) · D 44.7% · R 53.7% · Other 1.6%
• 2008→2024 swing: +6.0pp toward D · 2008: -14.9pp · 2024: -9.0pp
• All cycles: 2024: R+9.0 2020: R+8.0 2016: R+16.8 2012: R+18.7 2008: R+14.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.00%
• Current HPI: 198.9629
• Rent YoY: ▬ -0.05%
• Metro: Huntsville, 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

+166.7% since first listed

9 events — show timeline

• 2026-03-31 Price Changed $160,000 VMLS
• 2026-03-25 Price Changed $162,000 VMLS
• 2026-02-15 Listed $169,900 VMLS
• 2023-05-10 Sold (Public Records) $167,000 Public Records
• 2023-02-16 Sold (Public Records) $67,000 Public Records
• 2023-02-13 Sold (MLS) $67,000 VMLS
• 2023-02-04 Pending — VMLS
• 2022-12-07 Listed $80,000 VMLS
• 2022-04-20 Sold (Public Records) $60,000 Public Records

Property tax history

+2.4%/yr

Latest (2024): $267 · -40.8% YoY. Source: county tax records.