906 Savannah Ct #42 · Summerdale, AL 36580

$344,900

3 bd · 2.0 ba · 1,545 sqft · SingleFamily · 23 Days on market

Built 2019 0.35 ac lot Est $261k · 32% over

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Why this score? — see what drove the F 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).

• Appreciation +9.0/10.0
• Cash flow +7.6/30.0
• Schools +3.9/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• DSCR +1.7/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

This is a Coming Soon Listing. Looking for a move-in ready Gold Fortified home in Summerdale with many designer upgrades and no HOA? Built by DSLD Homes, this beautiful painted brick Hudson III A floor plan offers 3 bedrooms, 2 bathrooms, and 1,552 sq ft in the highly sought-after Annabelle Junction community where opportunities are limited, and you will immediately see why as you drive into this quaint neighborhood. Step inside to the spacious entryway featuring upgraded lighting, waterproof / pet-proof luxury vinyl plank flooring, and a bright welcoming feel throughout. Straight ahead, the open living room flows seamlessly into the kitchen and breakfast area, creating the perfect setup for entertaining and everyday living. The kitchen features a beautiful subway tile backsplash, granite countertops, Samsung stainless steel appliances, stained cabinets, upgraded cabinet hardware, and stylish lighting. To the left of the entry are two guest bedrooms and a full hall bath featuring custom coastal-inspired murals. Privately tucked at the back right side of the home, the primary suite offers a stunning custom accent wall, ensuite bath, and large walk-in closet with wood shelving. Matchstick blinds and upgraded fixtures throughout add warmth and designer style. The laundry room and garage access are conveniently located off the hallway leading to the primary suite. Built in 2019, this Gold Fortified home also includes a Carrier HVAC system, Rheem 50-gallon water heater, and Pristine Air HEPA filtration system. Outside, enjoy a large fenced backyard with no rear neighbors and a beautiful tree-lined backdrop creating added privacy and a peaceful outdoor setting, plus a 12x24 Graceland storage shed. Conveniently located near Foley, Fairhope, shopping, dining, schools, and Alabama Gulf Coast attractions. Quiet cul-de-sac location in one of Summerdale’s most charming communities. Move-in ready and beautifully maintained from front to back. Pride of ownership shines throughout

Key facts

• 0.35 acre lot
• 2 garage spots
• Built 2019

Property features AI

Finance

• Other: Ownership: Whole/Full; Zoning: Single Family Residence
• HOA & community: Association fees include electricity, internet, trash, and water/sewer; No community amenities listed

Exterior

• Parking: Attached double garage with automatic door; 2 garage spaces (2 covered); Total of 4 parking spaces
• Utilities: Public water; Public sewer; Total electric service; Summerdale Utilities
• Home design: Single-family residence; One story; Faces north and west; Resale property
• Construction: Brick construction; Fortified-Gold built; Slab foundation; Composition roof; 1,545 total building area (builder source)
• Exterior features: Covered porch; Open porch; Patio; Level lot; Less than 1 acre; Has view

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Electric range; Refrigerator; Refrigerator with ice maker; Breakfast area / kitchen dining combo
• Bedrooms: En-suite primary bedroom
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Heat pump; Ceiling fan(s)
• Interior features: Breakfast bar; Living room; Ceiling fan(s); En-suite; High ceilings; Split bedroom plan
• Laundry & utility: Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $345k.

Deal economics

• At list price, monthly cash flow is $-409 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $286k (17.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $250k (27.5% below list).
• Recommended offer: $250k (27.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 57/100 on livability (#384 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Baldwin County (rural): math 33% / reading 57% proficiency, ranked #18 of 129 in AL (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Summerdale School (math 23% / reading 55%, grade F, #257 of 627 statewide, top 41%, 573 students, 77% FRL); Elberta High School (math 32% / reading 37%, grade F, #47 of 305 statewide, top 17%, 784 students, 60% FRL) — zoned schools average 68% FRL vs 38% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 144 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 3,883 units permitted in Baldwin County in 2024 (481 in 5+ unit buildings).

Forward outlook

• In year one you build about $30k of equity ($2k loan paydown + $28k appreciation (8.0% local appreciation)).
• Baldwin County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$48k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($340k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $250,000 (27.5% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.72% ✗
• Cap rate: 4.87%
• Cash-on-cash: -5.08%
• DSCR: 0.77
• GRM: 11.5

CMA / ARV

• ARV (on-the-fly): $261,105
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
603 Orange Blossom Cir	0.05mi	3/2.0	1,545 (0%)	12mo	$300,000	$194	88
601 Savannah Ct	0.17mi	3/2.0	1,536 (-1%)	20mo	$300,000	$195	75
104 NE 3rd St	0.45mi	3/2.0	1,585 (+3%)	1mo	$257,000	$162	73
405 NE 7th St	0.12mi	3/2.0	1,632 (+6%)	14mo	$275,000	$169	73
403 NE 7th St	0.14mi	3/2.0	1,388 (-10%)	19mo	$200,000	$144	61
202 W Jackson St	0.64mi	2/2.0 (-1)	1,357 (-12%)	13mo	$200,000	$147	34

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

Projected returns pro-forma

7.97% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 16.1%
• Equity multiple: 2.20×
• Total profit: $115,508
• Equity at exit: $261,403

10-year hold

• IRR: 15.6%
• Equity multiple: 4.67×
• Total profit: $354,515
• Equity at exit: $518,285

Cash invested: $96,572 (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 36580

• Home prices YoY: 2.8%
• Active inventory: 144
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $2,500 medium
• Mortgage (P&I): −$1,809
• Tax est. 1.5%: −$431 /mo · $5,174/yr
• Insurance: −$144
• HOA: −$0
• Vacancy / Maint / Mgmt: −$525
• Net cashflow: $-409

Break-even live

Break-even rent $3,017

Max offer price $285,786

Occupancy floor —

Sensitivity live

Price	-10% $-170	-5% $-289	+0% $-409	+5% $-528	+10% $-647
Rent	-10% $-606	-5% $-507	+0% $-409	+5% $-310	+10% $-211
Rate	-1.0pp $-235	-0.5pp $-321	base $-409	+0.5pp $-498	+1.0pp $-589

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: $86,225
• Closing costs: $10,347
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
19100 County Road 71 Summerdale, AL	4.0	2.0	2106	$2,500	$1.19	22d	1	0.83mi

Listing history 19 events

1. 2026-06-19
   days on market $344,900 Active 23 DOM
2. 2026-06-18
   days on market $344,900 Active 22 DOM
3. 2026-06-17
   days on market $344,900 Active 21 DOM
4. 2026-06-16
   days on market $344,900 Active 20 DOM
5. 2026-06-15
   days on market $344,900 Active 19 DOM
6. 2026-06-14
   days on market $344,900 Active 17 DOM
7. 2026-06-13
   days on market $344,900 Active 16 DOM
8. 2026-06-10
   days on market $344,900 Active 14 DOM
9. 2026-06-09
   days on market $344,900 Active 13 DOM
10. 2026-06-08
    days on market $344,900 Active 12 DOM
11. 2026-06-07
    days on market $344,900 Active 11 DOM
12. 2026-06-05
    days on market $344,900 Active 8 DOM
13. 2026-06-03
    days on market $344,900 Active 7 DOM
14. 2026-06-02
    days on market $344,900 Active 6 DOM
15. 2026-06-01
    days on market $344,900 Active 5 DOM
16. 2026-05-31
    days on market $344,900 Active 4 DOM
17. 2026-05-30
    days on market $344,900 Active 3 DOM
18. 2026-05-26
    historical $344,900 2006-char remark

    Show marketing remark (2006 chars)

    This is a Coming Soon Listing. Looking for a move-in ready Gold Fortified home in Summerdale with many designer upgrades and no HOA? Built by DSLD Homes, this beautiful painted brick Hudson III A floor plan offers 3 bedrooms, 2 bathrooms, and 1,552 sq ft in the highly sought-after Annabelle Junction community where opportunities are limited, and you will immediately see why as you drive into this quaint neighborhood. Step inside to the spacious entryway featuring upgraded lighting, waterproof / pet-proof luxury vinyl plank flooring, and a bright welcoming feel throughout. Straight ahead, the open living room flows seamlessly into the kitchen and breakfast area, creating the perfect setup for entertaining and everyday living. The kitchen features a beautiful subway tile backsplash, granite countertops, Samsung stainless steel appliances, stained cabinets, upgraded cabinet hardware, and stylish lighting. To the left of the entry are two guest bedrooms and a full hall bath featuring custom coastal-inspired murals. Privately tucked at the back right side of the home, the primary suite offers a stunning custom accent wall, ensuite bath, and large walk-in closet with wood shelving. Matchstick blinds and upgraded fixtures throughout add warmth and designer style. The laundry room and garage access are conveniently located off the hallway leading to the primary suite. Built in 2019, this Gold Fortified home also includes a Carrier HVAC system, Rheem 50-gallon water heater, and Pristine Air HEPA filtration system. Outside, enjoy a large fenced backyard with no rear neighbors and a beautiful tree-lined backdrop creating added privacy and a peaceful outdoor setting, plus a 12x24 Graceland storage shed. Conveniently located near Foley, Fairhope, shopping, dining, schools, and Alabama Gulf Coast attractions. Quiet cul-de-sac location in one of Summerdale’s most charming communities. Move-in ready and beautifully maintained from front to back. Pride of ownership shines throughout

19. 2026-05-26
    historical $344,900

    Show marketing remark (2006 chars)

    This is a Coming Soon Listing. Looking for a move-in ready Gold Fortified home in Summerdale with many designer upgrades and no HOA? Built by DSLD Homes, this beautiful painted brick Hudson III A floor plan offers 3 bedrooms, 2 bathrooms, and 1,552 sq ft in the highly sought-after Annabelle Junction community where opportunities are limited, and you will immediately see why as you drive into this quaint neighborhood. Step inside to the spacious entryway featuring upgraded lighting, waterproof / pet-proof luxury vinyl plank flooring, and a bright welcoming feel throughout. Straight ahead, the open living room flows seamlessly into the kitchen and breakfast area, creating the perfect setup for entertaining and everyday living. The kitchen features a beautiful subway tile backsplash, granite countertops, Samsung stainless steel appliances, stained cabinets, upgraded cabinet hardware, and stylish lighting. To the left of the entry are two guest bedrooms and a full hall bath featuring custom coastal-inspired murals. Privately tucked at the back right side of the home, the primary suite offers a stunning custom accent wall, ensuite bath, and large walk-in closet with wood shelving. Matchstick blinds and upgraded fixtures throughout add warmth and designer style. The laundry room and garage access are conveniently located off the hallway leading to the primary suite. Built in 2019, this Gold Fortified home also includes a Carrier HVAC system, Rheem 50-gallon water heater, and Pristine Air HEPA filtration system. Outside, enjoy a large fenced backyard with no rear neighbors and a beautiful tree-lined backdrop creating added privacy and a peaceful outdoor setting, plus a 12x24 Graceland storage shed. Conveniently located near Foley, Fairhope, shopping, dining, schools, and Alabama Gulf Coast attractions. Quiet cul-de-sac location in one of Summerdale’s most charming communities. Move-in ready and beautifully maintained from front to back. Pride of ownership shines throughout

ⓘ 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 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,000
• − Mortgage interest: −$19,320
• − Property taxes: −$5,174
• − Insurance: −$1,724
• − Repairs & maintenance: −$2,400
• − Management: −$2,400
• − Depreciation: −$10,033
• Taxable loss: −$11,051
• Est. tax savings @ 24.0%: +$2,652
• After-tax cash flow: $-2,250/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: Baldwin County
• NCES district ID: 0100270
• Math proficiency: 33% ▼ -26.00%
• Reading proficiency: 57% ▲ 1.00%
• Median HH income: $50,677
• Composite: 38.61/100
• National rank: #4157
• State rank: #18 of 129 in AL

Livability — Summerdale

• Score: 57/100
• State rank: #384
• US rank: #21872

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Summerdale, AL
• City population: 7,025
• Population (ZIP): 7,025

Population outlook (Baldwin County) Hauer SSP2

• Today (2025): 248,264 people
• By 2030: 270,315 · +8.9%
• By 2040: 312,967 · +26.1%
• By 2050: 352,262 · +41.9%
• By 2075: 438,841 · +76.8%
• By 2100: 487,736 · +96.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Two or more races 17% Hispanic / Latino 17% Black 5%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Serbian 2% Lithuanian 2% Italian 2%
• Foreign-born: 6% · Canada
• Languages at home: 91% English-only · Spanish 9%

Political lean MEDSL · Baldwin

• 2024 margin: Solid R (+58.2) · D 20.5% · R 78.7%
• 2008→2024 swing: -6.7pp toward R · 2008: -51.5pp · 2024: -58.2pp
• All cycles: 2024: R+58.2 2020: R+53.8 2016: R+57.8 2012: R+55.8 2008: R+51.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 7.97%
• Current HPI: 288.8697
• 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

+0.0% since first listed

2 events — show timeline

• 2026-05-26 Coming Soon $344,900 GCMLS AL
• 2026-05-26 Coming Soon $344,900 BCAR