124 Sunset Dr · Ragland, AL 35131

$65,000

2 bd · 1.0 ba · 1,127 sqft · SingleFamily public records · 39 Days on market

Built 1969 0.50 ac lot Est $114k · 43% under

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Why this score? — see what drove the A- 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
• Appreciation +7.7/10.0
• Schools +3.2/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Totally renovated 2 years ago, new roof, plumbing, kitchen cabinets and appliances. New windows and doors, flooring and more. 2 bedroom, 1 bath with stubbed half bath with easy crawl space access to complete. Beautiful cabinets with tons of space and quartz countertops. Bath has new custom tile shower with seat designed for handicapped needs. Spacious living room with ramp that could be removed or left in place for a wheel chair. 2 car garage with covered area leading into sunroom just off kitchen. Garage has a partially complete apartment that needs work. This could be a potential mother-in-law suite or possible rental property.

Key facts

• Room upstairs
• Corner lot
• Full brick home

Tags

• CORNER LOT
• FULL BRICK HOME
• DETACHED GARAGE
• ROOM UPSTAIRS

Property features AI

Finance

• Other: Parcel ID provided
• Financial info: Down payment assistance available
• HOA & community: No subdivision association indicated

Exterior

• Parking: Detached parking; Driveway parking
• Security: No security features listed
• Utilities: Public water; Septic sewer system; Electric water heater; Internet availability unknown
• Home design: Existing property (not new construction); Single-story living areas listed (all primary rooms on main level); Four-sided brick and other siding exterior
• Construction: 4-side brick with other siding construction; Crawl space foundation
• Exterior features: No pool; No patio; No deck; No garden/patio; Not waterfront; Flood plain: no; Lot view: no; Approximately 0.5 acre

Interior

• Kitchen: Laminate countertops; Kitchen on the main level
• Bedrooms: Two bedrooms on the main level
• Flooring: Vinyl flooring
• Bathrooms: One full bathroom with a separate shower
• Heating & cooling: Central heating; Central cooling
• Interior features: Ceilings: other (see remarks); Has an attic; No additional interior features listed
• Laundry & utility: Main-level laundry room; Washer hookup available; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $513 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Recommended offer: $63k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 54/100 on livability (#464 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 12 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 557 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($449 loan paydown + $3k appreciation (5.3% local appreciation)).
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (5.3% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($63k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 10y ago; this cycle's ask has dropped $4k (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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $63,050 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.77% ✓
• Cap rate: 15.76%
• Cash-on-cash: 33.80%
• DSCR: 2.50
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $113,827
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
124 Sunset Dr	0.00mi	2/1.0	1,127 (0%)	0mo	$64,000	$57	100
99 Sunset Dr	0.03mi	3/1.0 (+1)	1,118 (-1%)	4mo	$160,000	$143	88
365 5th Ave	0.61mi	3/2.0 (+1)	1,152 (+2%)	12mo	$116,000	$101	49

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

Projected returns pro-forma

5.33% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 43.2%
• Equity multiple: 3.68×
• Total profit: $48,860
• Equity at exit: $38,158

10-year hold

• IRR: 40.8%
• Equity multiple: 7.53×
• Total profit: $118,900
• Equity at exit: $66,977

Cash invested: $18,200 (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 35131

• Home prices YoY: 3.5%
• Active inventory: 12
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,150 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$28 /mo · $335/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $513

Break-even live

Break-even rent $501

Max offer price $65,000

Occupancy floor 50%

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
321 Greene Branch Rd Ragland, AL	3.0	1.0	1364	$1,150	$0.84	23d	1	1.27mi

Listing history 14 events

1. 2026-05-13
   status Pending
2. 2026-04-28
   price $65,000
3. 2026-04-10
   status Active
4. 2026-03-31
   status Pending
5. 2026-03-24
   listed $69,000 Active
6. 2022-03-02
   soldstatus $110,000
7. 2022-03-01
   soldstatus $110,000 Sold 637-char remark

   Show marketing remark (637 chars)

   Totally renovated 2 years ago, new roof, plumbing, kitchen cabinets and appliances. New windows and doors, flooring and more. 2 bedroom, 1 bath with stubbed half bath with easy crawl space access to complete. Beautiful cabinets with tons of space and quartz countertops. Bath has new custom tile shower with seat designed for handicapped needs. Spacious living room with ramp that could be removed or left in place for a wheel chair. 2 car garage with covered area leading into sunroom just off kitchen. Garage has a partially complete apartment that needs work. This could be a potential mother-in-law suite or possible rental property.

8. 2022-01-14
   historical Contingent 637-char remark

   Show marketing remark (637 chars)

   Totally renovated 2 years ago, new roof, plumbing, kitchen cabinets and appliances. New windows and doors, flooring and more. 2 bedroom, 1 bath with stubbed half bath with easy crawl space access to complete. Beautiful cabinets with tons of space and quartz countertops. Bath has new custom tile shower with seat designed for handicapped needs. Spacious living room with ramp that could be removed or left in place for a wheel chair. 2 car garage with covered area leading into sunroom just off kitchen. Garage has a partially complete apartment that needs work. This could be a potential mother-in-law suite or possible rental property.

9. 2022-01-11
   listed $110,000 Active 637-char remark

   Show marketing remark (637 chars)

   Totally renovated 2 years ago, new roof, plumbing, kitchen cabinets and appliances. New windows and doors, flooring and more. 2 bedroom, 1 bath with stubbed half bath with easy crawl space access to complete. Beautiful cabinets with tons of space and quartz countertops. Bath has new custom tile shower with seat designed for handicapped needs. Spacious living room with ramp that could be removed or left in place for a wheel chair. 2 car garage with covered area leading into sunroom just off kitchen. Garage has a partially complete apartment that needs work. This could be a potential mother-in-law suite or possible rental property.

10. 2016-05-10
    soldstatus $29,000 207-char remark

    Show marketing remark (207 chars)

    RAGLAND 2 BEDROOM 1 BATH HOME LOCATED ON 0.50+/- ACRE LOT. THE HOME FEATURES INCLUDE 1008+/- SQ FT, AND A 2 CAR DET GARAGE. THE HOME IS CONVENIENT TO SCHOOLS. THIS ONE IS PRICED TO SELL QUICKLY AT $29,900

11. 2016-05-10
    soldstatus $29,000 Sold

    Show marketing remark (207 chars)

    RAGLAND 2 BEDROOM 1 BATH HOME LOCATED ON 0.50+/- ACRE LOT. THE HOME FEATURES INCLUDE 1008+/- SQ FT, AND A 2 CAR DET GARAGE. THE HOME IS CONVENIENT TO SCHOOLS. THIS ONE IS PRICED TO SELL QUICKLY AT $29,900

12. 2016-04-26
    status Pending
13. 2016-04-11
    listed $29,900 Active

    Show marketing remark (207 chars)

    RAGLAND 2 BEDROOM 1 BATH HOME LOCATED ON 0.50+/- ACRE LOT. THE HOME FEATURES INCLUDE 1008+/- SQ FT, AND A 2 CAR DET GARAGE. THE HOME IS CONVENIENT TO SCHOOLS. THIS ONE IS PRICED TO SELL QUICKLY AT $29,900

14. 2016-04-11
    listed $29,900 207-char remark

    Show marketing remark (207 chars)

    RAGLAND 2 BEDROOM 1 BATH HOME LOCATED ON 0.50+/- ACRE LOT. THE HOME FEATURES INCLUDE 1008+/- SQ FT, AND A 2 CAR DET GARAGE. THE HOME IS CONVENIENT TO SCHOOLS. THIS ONE IS PRICED TO SELL QUICKLY AT $29,900

ⓘ 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: $335 · $28/mo
• Projected year-2 tax: $335 · $28/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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,800
• − Mortgage interest: −$3,641
• − Property taxes: −$335
• − Insurance: −$325
• − Repairs & maintenance: −$1,104
• − Management: −$1,104
• − Depreciation: −$1,891
• Taxable income: $5,400
• Est. tax owed @ 24.0%: −$1,296
• After-tax cash flow: $4,856/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: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Ragland

• Score: 54/100
• State rank: #464
• US rank: #23993

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ragland, AL
• Population (ZIP): 3,161

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 6% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Slovak 2% Romanian 1% Lithuanian 1%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.33%
• Current HPI: 156.0204
• 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

+117.4% since first listed

14 events — show timeline

• 2026-05-13 Pending — Greater Alabama MLS
• 2026-04-28 Price Changed $65,000 Greater Alabama MLS
• 2026-04-10 Relisted — Greater Alabama MLS
• 2026-03-31 Pending — Greater Alabama MLS
• 2026-03-24 Listed $69,000 Greater Alabama MLS
• 2022-03-02 Sold (Public Records) $110,000 Public Records
• 2022-03-01 Sold (MLS) $110,000 Greater Alabama MLS
• 2022-01-14 Contingent — Greater Alabama MLS
• 2022-01-11 Listed $110,000 Greater Alabama MLS
• 2016-05-10 Sold (MLS) $29,000 Greater Alabama MLS
• 2016-05-10 Sold (MLS) $29,000 VMLS
• 2016-04-26 Pending — Greater Alabama MLS
• 2016-04-11 Listed $29,900 Greater Alabama MLS
• 2016-04-11 Listed $29,900 VMLS

Property tax history

+7.5%/yr

Latest (2025): $335 · -2.1% YoY. Source: county tax records.