2210 39th Ct · Phenix City, AL 36870

$169,900

3 bd · 1.0 ba · 1,505 sqft · SingleFamily public records · 13 Days on market

Built 1971 0.35 ac lot Est $233k · 27% under

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Why this score? — see what drove the B- 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 +26.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.2/10.0
• 1% rule +6.0/10.0
• Livability +3.0/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 2210 39th Court in Phenix City, Alabama! Nestled in a desirable Russell County location, this well-maintained home offers the perfect combination of convenience, functionality, and space. Situated just minutes from Central High School and with easy access to Columbus and Fort Benning, you'll enjoy a location that keeps you close to work, schools, shopping, dining, and entertainment. Inside, you'll find 3 bedrooms, 1.5 bathrooms, and a versatile floor plan designed to fit a variety of lifestyles. Updated luxury vinyl plank flooring runs throughout the home, creating a cohesive and low-maintenance living space. In addition to the formal living room and dining room, a flexible bonus

Key facts

• Flexible bonus room
• Above-ground pool
• Converted workshop

Tags

• FLEXIBLE BONUS ROOM
• FULLY SCREENED-IN DECK
• CONVERTED WORKSHOP
• FENCED BACKYARD
• ABOVE-GROUND POOL
• LARGE STORAGE SHED

Property features AI

Finance

• Other: Property type: Residential; Directions: Take Wynn Road down to Auburn Road and make a right. Take a left on 39th Court and house will be on your left.

Exterior

• Home design: Single-family residence
• Exterior features: Lot approximately 0.35 acres

Interior

• Bathrooms: 1 full bathroom; 1 half bathroom
• Interior features: Fireplace (1)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $462 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Cap rate 9.6% vs local median 4.9% in Phenix City — 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 60/100 on livability (#297 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, crime F, amenities F.
• Russell County (rural): math 18% / reading 45% proficiency, ranked #65 of 129 in AL (top 50%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 134 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 183 units permitted in Russell County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($72k/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.
• Russell County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $48k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $94k; list at $170k implies a 81% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 76% 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 $169,900

Questions for the listing agent

1. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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.
6. 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.
7. 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: 1.10% ✓
• Cap rate: 9.56%
• Cash-on-cash: 11.66%
• DSCR: 1.52
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $233,275
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1903 Kittrell Dr	0.33mi	3/2.0	1,510 (+0%)	11mo	$220,000	$146	70
1920 Westminster Dr	0.33mi	3/2.0	1,632 (+8%)	3mo	$269,900	$165	64
1927 Westminster Dr	0.29mi	3/2.0	1,539 (+2%)	18mo	$238,000	$155	64
2606 Poyner Dr	0.60mi	3/2.0	1,517 (+1%)	10mo	$188,000	$124	58
3000 Gatewood Dr	0.68mi	3/2.0	1,473 (-2%)	4mo	$250,000	$170	58
1905 Harbuck Dr	0.37mi	3/2.0	1,357 (-10%)	9mo	$230,000	$169	55
2306 Dobbs Dr	0.30mi	3/2.0	1,710 (+14%)	8mo	$267,300	$156	53
2803 Gatewood Dr	0.54mi	3/2.0	1,624 (+8%)	8mo	$255,000	$157	51
2819 Dotti Dr	0.60mi	3/2.0	1,608 (+7%)	9mo	$249,900	$155	49
2500 Poyner Dr	0.58mi	3/2.0	1,416 (-6%)	14mo	$187,500	$132	48
2802 Nancy Dr	0.53mi	3/2.0	1,616 (+7%)	15mo	$231,000	$143	47
2905 Nancy Dr	0.66mi	3/2.0	1,651 (+10%)	12mo	$245,000	$148	39

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.0%
• Equity multiple: 1.04×
• Total profit: $1,845
• Equity at exit: $25,333

10-year hold

• IRR: 10.6%
• Equity multiple: 1.82×
• Total profit: $39,230
• Equity at exit: $14,690

Cash invested: $47,572 (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 36870

• Home prices YoY: -10.5%
• Active inventory: 134
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,863 medium
• Mortgage (P&I): −$891
• Tax from tax record: −$48 /mo · $574/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$391
• Net cashflow: $462

Break-even live

Break-even rent $1,278

Max offer price $169,900

Occupancy floor 70%

Sensitivity live

Price	-10% $559	-5% $510	+0% $462	+5% $414	+10% $366
Rent	-10% $315	-5% $389	+0% $462	+5% $536	+10% $610
Rate	-1.0pp $548	-0.5pp $506	base $462	+0.5pp $418	+1.0pp $374

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3622 S Railroad St Phenix City, AL	1.0–3.0	1.0–2.5	1141	$1,792	$1.57	14d	10	1.18mi
15 Windsweep Ct Phenix City, AL	2.0	2.0	1209	$1,025	$0.85	14d	1	1.31mi

Listing history 11 events

1. 2026-06-18
   days on market $169,900 Active 13 DOM
2. 2026-06-17
   days on market $169,900 Active 12 DOM
3. 2026-06-16
   days on market $169,900 Active 11 DOM
4. 2026-06-15
   days on market $169,900 Active 10 DOM
5. 2026-06-14
   days on market $169,900 Active 8 DOM
6. 2026-06-13
   days on market $169,900 Active 7 DOM
7. 2026-06-10
   days on market $169,900 Active 5 DOM
8. 2026-06-09
   days on market $169,900 Active 4 DOM
9. 2026-06-08
   days on market $169,900 Active 3 DOM
10. 2026-06-07
    remarks 699-char remark
11. 2026-06-07
    listed $169,900 Active 2 DOM

ⓘ 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: $574 · $48/mo
• Projected year-2 tax: $697 · $58/mo
• Expected delta: +$123/yr (+$10/mo · 21.5%)

ⓘ 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 7/10 Severe 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,359
• − Mortgage interest: −$9,517
• − Property taxes: −$574
• − Insurance: −$850
• − Repairs & maintenance: −$1,789
• − Management: −$1,789
• − Depreciation: −$4,943
• Taxable income: $2,899
• Est. tax owed @ 24.0%: −$696
• After-tax cash flow: $4,853/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: Russell County
• NCES district ID: 0102880
• Math proficiency: 18% ▼ -28.00%
• Reading proficiency: 45% ▲ 1.00%
• Median HH income: $40,292
• Composite: 26.41/100
• National rank: #7226
• State rank: #65 of 129 in AL

Livability — Phenix City

• Score: 60/100
• State rank: #297
• US rank: #19037

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Lee County · 144,175 people
• City population: 62,290
• Metro: Auburn-Opelika, AL
• Population (ZIP): 17,951
• Household income: $72,500
• Rent vs Own: 19.3% rent · 80.7% own
• Severe rent burden: 500.0

Population outlook (Russell County) Hauer SSP2

• Today (2025): 70,137 people
• By 2030: 75,826 · +8.1%
• By 2040: 87,858 · +25.3%
• By 2050: 99,721 · +42.2%
• By 2075: 128,009 · +82.5%
• By 2100: 149,251 · +112.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Black 18% Two or more races 4% Hispanic / Latino 4%
• Common ancestry: Slovak 3% Romanian 2% Portuguese 2%
• Foreign-born: 3% · Canada, South Korea, Jamaica
• Languages at home: 95% English-only · Spanish 3% Korean 1%

Political lean MEDSL · Russell

• 2024 margin: Toss-up / Even · D 50.4% · R 48.7%
• 2008→2024 swing: -5.6pp toward R · 2008: 7.3pp · 2024: 1.7pp
• All cycles: 2024: D+1.7 2020: D+6.4 2016: D+1.9 2012: D+11.8 2008: D+7.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -28.19%
• Current HPI: 241.1403
• Rent YoY: —
• Metro: Auburn-Opelika, 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

+81.1% since first listed

2 events — show timeline

• 2026-06-04 Listed $169,900 CBOR
• 2006-04-11 Sold (Public Records) $93,810 Public Records

Property tax history

-0.6%/yr

Latest (2025): $574 · +6.0% YoY. Source: county tax records.