WINCHESTER Huffman St · Hazel Green, AL 35750

$299,900

4 bd · 2.0 ba · 1,902 sqft · SingleFamily · 1235 Days on market

8,712 sqft lot $158/sqft · 13% below area Est $345k · 13% under $33/mo HOA · 2% of rent ↓ 2% since listing

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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 +13.4/15.0
• Appreciation +10.0/10.0
• Cash flow +4.9/30.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.9/10.0
• DSCR +0.0/10.0

Listing remarks

Proposed Construction- Build Your Dream Home on one of our amazing lots! Choose your own lot and build the incredible Winchester Plan. This home offers the perfect lifestyle triangle with 3 bedrooms, 2 bathrooms, and an office. You'll love the open layout that is perfect for entertaining guest. Standard features include a kitchen with granite counters and stainless steel appliances, smooth ceilings, dual sinks in the master bathroom, LVP flooring through the living areas, a covered back porch, and so much more. Located in the Townsend Community, you'll enjoy easy access to the Parkway, nearby restaurants and shopping, and 15 minutes from downtown! 100% FINANCING with PAID CLOSI

Key facts

• 8,712 sq ft lot
• 2 garage spots
• Listed 1235 days

Property features AI

Finance

• Other: Living area approximately 1,902 square feet
• HOA & community: Homeowners association with an annual fee of $400; Subdivision: Townsend Farms; Community features include curbs

Exterior

• Parking: Attached two-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One story; Residential property
• Construction: Brick construction; Slab foundation
• Exterior features: Curb and gutters; Sidewalk; Underground utilities; Concrete driveway; Covered patio; Covered porch

Interior

• Kitchen: Range; Dishwasher; Microwave
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Six total rooms; No fireplace

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $-714 ($-9k/yr) — negative.
• To cash-flow at today's rent, offer at most $197k (34.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (41.3% below list).
• Recommended offer: $176k (41.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#54 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment 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: Hazel Green Elementary School (math 23% / reading 58%, grade F, #238 of 627 statewide, top 38%, 738 students, 50% FRL); Meridianville Middle School (math 19% / reading 62%, grade F, #56 of 257 statewide, top 22%, 724 students, 45% FRL); Hazel Green High School (math 23% / reading 31%, grade F, #90 of 305 statewide, top 35%, 1,348 students, 42% FRL) — zoned schools average 46% FRL vs 29% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 256 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).
• This rent runs 31% of the median local income ($68k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $32k of equity ($2k loan paydown + $30k appreciation (10.0% local appreciation)).
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$52k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 1235 days — a 12% lower offer ($264k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y 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.

Recommended offer $176,173 (41.3% 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 1235 days. Have you received any prior offers? Is the seller open to a 41% concession, seller financing, or rate buy-down credit?
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. 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?
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: 0.59% ✗
• Cap rate: 3.44%
• Cash-on-cash: -10.20%
• DSCR: 0.55
• GRM: 14.2

CMA / ARV

• ARV (median comp): $345,216
• List price: $299,900
• Delta: -13.13%
• 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
174 Keller Dr	0.28mi	4/2.0	1,841 (-3%)	1mo	$285,900	$155	81
165 Keller Dr	0.25mi	4/2.0	1,841 (-3%)	3mo	$282,250	$153	80
147 Havner Dr	0.30mi	4/2.5	1,753 (-8%)	3mo	$269,900	$154	68
163 Whitner Dr	0.33mi	4/2.0	1,667 (-12%)	1mo	$249,280	$150	63
168 Keller Dr	0.25mi	3/2.0 (-1)	1,683 (-12%)	3mo	$271,900	$162	62
172 Keller Dr	0.27mi	3/2.0 (-1)	1,683 (-12%)	3mo	$269,900	$160	61
171 Keller Dr	0.28mi	3/2.0 (-1)	1,683 (-12%)	3mo	$279,000	$166	61
176 Keller Dr	0.29mi	5/3.0 (+1)	2,092 (+10%)	1mo	$309,310	$148	60
189 Tobin Ln	0.41mi	3/2.0 (-1)	1,685 (-11%)	1mo	$250,000	$148	56
113 Retriever Run	0.74mi	3/2.0 (-1)	1,800 (-5%)	3mo	$290,000	$161	49
122 Hazel Pine Trl	0.68mi	4/3.0	2,136 (+12%)	1mo	$302,890	$142	43
309 Keller Dr	0.74mi	3/2.0 (-1)	1,620 (-15%)	2mo	$284,900	$176	34

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.1%
• Equity multiple: 2.40×
• Total profit: $117,920
• Equity at exit: $270,174

10-year hold

• IRR: 16.2%
• Equity multiple: 5.56×
• Total profit: $383,097
• Equity at exit: $582,640

Cash invested: $83,972 (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 35750

• Home prices YoY: 8.2%
• Active inventory: 256
• Price-to-rent: 14.2×

Monthly cashflow live

• Estimated rent: $1,762 high
• Mortgage (P&I): −$1,573
• Tax est. 1.5%: −$375 /mo · $4,498/yr
• Insurance: −$125
• HOA: −$33
• Vacancy / Maint / Mgmt: −$370
• Net cashflow: $-714

Break-even live

Break-even rent $2,665

Max offer price $196,616

Occupancy floor —

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: $74,975
• Closing costs: $8,997
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
169 Keller Dr Hazel Green, AL	3.0	2.0	1537	$1,665	$1.08	13d	1	0.28mi
171 Keller Dr Hazel Green, AL	3.0	2.0	1683	$1,616	$0.96	43d	1	0.29mi
143 Havner Dr Hazel Green, AL	4.0	2.0	1667	$1,775	$1.06	13d	1	0.30mi
108 Karenlee Cir Hazel Green, AL	4.0	2.0	1666	$1,685	$1.01	23d	1	0.37mi
147 Tobin Ln Hazel Green, AL	4.0	2.0	1884	$1,700	$0.90	43d	1	0.38mi
189 Tobin Ln Hazel Green, AL	3.0	2.0	1685	$1,775	$1.05	13d	1	0.42mi
236 Cherry Laurel Dr Hazel Green, AL	4.0	3.0	1964	$1,750	$0.89	23d	1	0.52mi
117 Hank Ct Hazel Green, AL	3.0	2.0	1517	$1,650	$1.09	43d	1	0.53mi
137 Hazel Pine Trl Hazel Green, AL	3.0	2.0	1482	$1,650	$1.11	23d	1	0.76mi
206 Hailey May Ct Hazel Green, AL	4.0	2.5	1924	$1,745	$0.91	13d	1	0.99mi
202 Hailey May Ct Hazel Green, AL	4.0	2.5	1727	$1,645	$0.95	23d	1	1.01mi
203 Hailey May Ct Hazel Green, AL	4.0	2.0	1797	$1,695	$0.94	23d	1	1.02mi
127 London Calvin Way Hazel Green, AL	4.0	2.5	1727	$1,645	$0.95	13d	1	1.04mi
104 London Calvin Way Hazel Green, AL	4.0	2.5	1971	$1,745	$0.89	23d	1	1.05mi
106 London Calvin Way Hazel Green, AL	4.0	2.0	1797	$1,684	$0.94	43d	1	1.05mi
102 London Calvin Way Hazel Green, AL	4.0	2.5	1924	$1,745	$0.91	23d	1	1.05mi
119 London Calvin Way Hazel Green, AL	4.0	2.5	1924	$1,745	$0.91	13d	1	1.05mi
115 London Calvin Way Hazel Green, AL	4.0	2.5	1971	$1,734	$0.88	43d	1	1.06mi
100 Brook Glen Dr Hazel Green, AL	3.0	2.0	1336	$1,595	$1.19	13d	1	1.28mi
149 Hazel Trce Hazel Green, AL	3.0	2.0	1628	$1,695	$1.04	13d	1	1.49mi

HOA detail

• Monthly dues: $33 · $396/yr

Listing history 24 events

1. 2026-06-18
   days on market $299,900 Active 1235 DOM
2. 2026-06-17
   days on market $299,900 Active 1234 DOM
3. 2026-06-16
   days on market $299,900 Active 1233 DOM
4. 2026-06-15
   days on market $299,900 Active 1232 DOM
5. 2026-06-14
   days on market $299,900 Active 1230 DOM
6. 2026-06-10
   days on market $299,900 Active 1227 DOM
7. 2026-06-09
   days on market $299,900 Active 1226 DOM
8. 2026-06-08
   days on market $299,900 Active 1225 DOM
9. 2026-06-07
   days on market $299,900 Active 1224 DOM
10. 2026-06-02
    days on market $299,900 Active 1219 DOM
11. 2026-06-01
    days on market $299,900 Active 1218 DOM
12. 2026-05-31
    days on market $299,900 Active 1217 DOM
13. 2026-05-30
    days on market $299,900 Active 1216 DOM
14. 2026-01-27
    price $299,900
15. 2025-10-30
    price $309,900
16. 2025-02-26
    price $299,900
17. 2025-01-07
    status Active
18. 2024-05-16
    price $304,900
19. 2024-04-23
    price $299,900
20. 2024-01-03
    price $289,900
21. 2023-10-12
    price $279,900
22. 2023-09-07
    price $274,900
23. 2023-04-04
    price $299,900
24. 2023-01-24
    listed $304,900 Active

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

Taxation est. · year 1

• Rental income: $21,141
• − Mortgage interest: −$16,799
• − Property taxes: −$4,498
• − Insurance: −$1,500
• − Repairs & maintenance: −$1,691
• − Management: −$1,691
• − HOA: −$396
• − Depreciation: −$8,724
• Taxable loss: −$14,159
• Est. tax savings @ 24.0%: +$3,398
• After-tax cash flow: $-5,167/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 — Hazel Green

• Score: 69/100
• State rank: #54
• US rank: #8575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hazel Green, AL
• County: Madison County · 380,832 people
• City population: 13,413
• Metro: Huntsville, AL
• Population (ZIP): 13,413
• Household income: $68,389
• Rent vs Own: 14.7% rent · 85.3% own
• Severe rent burden: 162.0

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 White (71%)
• Race & ethnicity: White 71% Black 19% Asian 5% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Serbian 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 2% Chinese 1% Korean 1%

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: ▲ 33.59%
• Current HPI: 444.7418
• Rent YoY: —
• 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

-1.6% since first listed

11 events — show timeline

• 2026-01-27 Price Changed $299,900 VMLS
• 2025-10-30 Price Changed $309,900 VMLS
• 2025-02-26 Price Changed $299,900 VMLS
• 2025-01-07 Relisted — VMLS
• 2024-05-16 Price Changed $304,900 VMLS
• 2024-04-23 Price Changed $299,900 VMLS
• 2024-01-03 Price Changed $289,900 VMLS
• 2023-10-12 Price Changed $279,900 VMLS
• 2023-09-07 Price Changed $274,900 VMLS
• 2023-04-04 Price Changed $299,900 VMLS
• 2023-01-24 Listed $304,900 VMLS