144 Tammy Gaines Ln · Moores Mill, AL 35811

$264,900

3 bd · 1.0 ba · 1,333 sqft · SingleFamily public records · 61 Days on market

Built 1992 Est $257k · 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 +12.5/30.0
• ARV discount +6.2/15.0
• Rent growth +4.2/5.0
• DSCR +3.7/10.0
• Schools +3.7/10.0
• Livability +3.3/5.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +1.4/10.0

Listing remarks MLS

100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

Key facts

• Modern updates
• New flooring
• New water heater

Tags

• MODERN UPDATES
• MOVE IN READY
• NEW FLOORING
• NEW WATER HEATER
• NEW GARAGE DOOR
• REFRESHED CURB APPEAL

Property features AI

Finance

• Other: Lot dimensions approximately 100 x 200 x 100 x 200; Living area about 1,404 square feet; Directions available
• HOA & community: No HOA; Subdivision: Breezy Knolls; Community has curbs

Exterior

• Parking: Detached garage; Concrete driveway
• Utilities: Septic tank sewer
• Home design: Single-family residence; One-story; Built in 1992; Residential property
• Construction: Crawl space foundation
• Exterior features: Curbs and gutters; Sidewalk; Underground utilities; Public water

Interior

• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Wood-burning fireplace (one)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $-40 ($-478/yr) — negative.
• To cash-flow at today's rent, offer at most $258k (2.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $202k (23.9% below list).
• Recommended offer: $202k (23.9% below list) — sets the bar for 1% rule.
• Cap rate 6.1% 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); Riverton Intermediate School (math 25% / reading 63%, grade D, #42 of 257 statewide, top 17%, 813 students, 36% FRL); Buckhorn High School (math 31% / reading 33%, grade F, #59 of 305 statewide, top 21%, 1,287 students, 34% FRL).
• Market conditions: Rents rising fast (+6.8%/yr); 570 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 61 days — a 6% lower offer ($249k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y 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.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $201,706 (23.9% 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 61 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
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. 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: 0.76% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.64%
• DSCR: 0.97
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $257,269
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
144 Tammy Gaines Ln	0.00mi	3/2.0	1,404 (+5%)	1mo	$265,000	$189	86
202 Chanel Dr	0.50mi	3/2.0	1,355 (+2%)	2mo	$255,000	$188	68
151 Laredo Cir	0.54mi	3/2.0	1,320 (-1%)	14mo	$265,000	$201	57
6101 Fairfield Dr	0.52mi	3/2.0	1,298 (-3%)	13mo	$239,900	$185	57
398 Little Lones Rd	0.72mi	3/2.0	1,240 (-7%)	2mo	$246,000	$198	50
207 Vintage Point Cir	0.57mi	3/2.0	1,371 (+3%)	22mo	$270,000	$197	46
108 Silvermoon Ln	0.50mi	3/2.0	1,490 (+12%)	10mo	$322,000	$216	45
380 Little Lones Rd	0.73mi	3/2.0	1,255 (-6%)	9mo	$242,000	$193	45
168 Bradford Ln	0.58mi	2/1.0 (-1)	1,150 (-14%)	2mo	$225,000	$196	44
216 Vintage Point Cir	0.63mi	3/2.0	1,420 (+6%)	16mo	$250,000	$176	42
204 Vintage Point Cir	0.60mi	3/2.0	1,481 (+11%)	18mo	$269,000	$182	34
3102 Ray Blair Pl	0.67mi	3/2.0	1,520 (+14%)	12mo	$286,000	$188	31

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 · 6.81% rent growth · sell at horizon

5-year hold

• IRR: -13.7%
• Equity multiple: 0.49×
• Total profit: $-37,525
• Equity at exit: $39,497

10-year hold

• IRR: -0.1%
• Equity multiple: 0.99×
• Total profit: $-676
• Equity at exit: $22,904

Cash invested: $74,172 (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 35811

• Home prices YoY: -2.1%
• Rents YoY: 6.8%
• Active inventory: 570
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,017 high
• Mortgage (P&I): −$1,389
• Tax from tax record: −$134 /mo · $1,605/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$424
• Net cashflow: $-40

Break-even live

Break-even rent $2,067

Max offer price $257,864

Occupancy floor 97%

Sensitivity live

Price	-10% $110	-5% $35	+0% $-40	+5% $-115	+10% $-190
Rent	-10% $-199	-5% $-120	+0% $-40	+5% $40	+10% $120
Rate	-1.0pp $94	-0.5pp $28	base $-40	+0.5pp $-108	+1.0pp $-178

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: $66,225
• Closing costs: $7,947
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6111 Homestead Rd Huntsville, AL	4.0	2.0	1640	$2,500	$1.52	45d	1	0.28mi
119 Wind Rush Rd Huntsville, AL	3.0	2.0	1690	$1,875	$1.11	45d	1	0.88mi
4550 Friends Xing NE Huntsville, AL	1.0–3.0	1.0–2.0	1149	$1,752	$1.52	16d	26	1.02mi
150 LILLIAN FARMS Blvd Huntsville, AL	3.0	2.0	1703	$1,900	$1.12	25d	1	1.17mi
153 LILLIAN FARMS Blvd Huntsville, AL	3.0	2.0	1703	$1,900	$1.12	25d	1	1.17mi
149 Wolfe Ln Huntsville, AL	3.0	3.0	1442	$2,000	$1.39	16d	1	1.22mi
147 Wolfe Ln Huntsville, AL	3.0	3.0	1442	$2,100	$1.46	16d	1	1.22mi
229 Paca Ln Huntsville, AL	3.0	2.0	1850	$1,950	$1.05	45d	1	1.30mi

Listing history 16 events

1. 2026-05-01
   status Pending
2. 2026-04-21
   price $264,900
3. 2026-04-08
   price $269,900
4. 2026-03-01
   listed $274,900 Active
5. 2022-06-29
   soldstatus $255,000 Sold 557-char remark

   Show marketing remark (557 chars)

   100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

6. 2022-06-29
   soldstatus $255,000

   Show marketing remark (557 chars)

   100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

7. 2022-05-31
   historical Contingent 557-char remark

   Show marketing remark (557 chars)

   100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

8. 2022-05-20
   status Active 557-char remark

   Show marketing remark (557 chars)

   100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

9. 2022-05-20
   price $260,000 557-char remark

   Show marketing remark (557 chars)

   100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

10. 2022-04-03
    historical Contingent 557-char remark

    Show marketing remark (557 chars)

    100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

11. 2022-03-28
    listed $250,000 Active 557-char remark

    Show marketing remark (557 chars)

    100% financing available! Fantastic 3 bedroom home now available in Huntsville! You are going to love everything this home has to offer including updated wood and tile flooring, and an updated kitchen with granite countertops, stainless steel appliances, and tile backsplash. The convenient location is only minutes away from schools, shopping, restaurants, and just a short drive to downtown Huntsville. The exterior offers a covered back patio where you can relax and enjoy the view of your large back yard. You have to come see this beautiful home today!

12. 2019-01-31
    soldstatus $142,488
13. 2019-01-30
    soldstatus $139,000 406-char remark

    Show marketing remark (406 chars)

    Beautiful move in ready home recently updated with fresh paint, Harwood Laminate Floor and Tile. Kitchen features Brand new cabinets, new Granite Countertop, Backsplash, rise bar and Brand new stainless steel appliances. Enjoy cozy evening around wood burning fireplace in the great room. Master bedroom features try celling, a large walk-in closet, glamour bathtub and double vanity sinks. **MUST SEE** !!

14. 2018-11-30
    soldstatus $70,000
15. 2018-11-27
    listed $139,000 406-char remark

    Show marketing remark (406 chars)

    Beautiful move in ready home recently updated with fresh paint, Harwood Laminate Floor and Tile. Kitchen features Brand new cabinets, new Granite Countertop, Backsplash, rise bar and Brand new stainless steel appliances. Enjoy cozy evening around wood burning fireplace in the great room. Master bedroom features try celling, a large walk-in closet, glamour bathtub and double vanity sinks. **MUST SEE** !!

16. 2018-08-21
    soldstatus $65,500

ⓘ 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: $1,605 · $134/mo
• Projected year-2 tax: $1,605 · $134/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 6/10 Major 7 d/yr ≥105°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: $24,205
• − Mortgage interest: −$14,839
• − Property taxes: −$1,605
• − Insurance: −$1,324
• − Repairs & maintenance: −$1,936
• − Management: −$1,936
• − Depreciation: −$7,706
• Taxable loss: −$5,142
• Est. tax savings @ 24.0%: +$1,234
• After-tax cash flow: $756/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
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 31,008
• Household income: $90,812
• Rent vs Own: 22.4% rent · 77.6% own
• Severe rent burden: 517.0

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: Majority White (64%)
• Race & ethnicity: White 64% Black 27% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Slovak 2% Italian 2% Serbian 2%
• Foreign-born: 4% · Canada, Vietnam, China
• Languages at home: 95% English-only · Spanish 3% Vietnamese 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: ▼ -7.13%
• Current HPI: 332.9423
• Rent YoY: ▲ 6.81%
• 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

+304.4% since first listed

16 events — show timeline

• 2026-05-01 Pending — VMLS
• 2026-04-21 Price Changed $264,900 VMLS
• 2026-04-08 Price Changed $269,900 VMLS
• 2026-03-01 Listed $274,900 VMLS
• 2022-06-29 Sold (Public Records) $255,000 Public Records
• 2022-06-29 Sold (MLS) $255,000 VMLS
• 2022-05-31 Contingent — VMLS
• 2022-05-20 Relisted — VMLS
• 2022-05-20 Price Changed $260,000 VMLS
• 2022-04-03 Contingent — VMLS
• 2022-03-28 Listed $250,000 VMLS
• 2019-01-31 Sold (Public Records) $142,488 Public Records
• 2019-01-30 Sold (MLS) $139,000 VMLS
• 2018-11-30 Sold (Public Records) $70,000 Public Records
• 2018-11-27 Listed $139,000 VMLS
• 2018-08-21 Sold (Public Records) $65,500 Public Records

Property tax history

+16.3%/yr

Latest (2024): $1,605 · +0.5% YoY. Source: county tax records.