832 W Highway 27 · Ozark, AL 36360

$116,250

3 bd · 2.0 ba · 1,588 sqft · SingleFamily public records · 3 Days on market

Built 1940 Est $219k · 47% under ↓ 35% since listing

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Why this score? — see what drove the C+ 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 +25.3/30.0
• ARV discount +15.0/15.0
• DSCR +8.3/10.0
• 1% rule +5.4/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS BEAUTIFUL HOME SITS ON 1.3 ACRES LOCATED JUST MINUTES FROM TOWN. THE HOME HAS MANY UPDATES TO INCLUDE, WINDOWS, AC, BATHS, FLOORING, AND MORE, BUT WHILE LEAVING THE UNIQUE CHARM AND DESIGN. ORIGINAL SHIP-LAP WALLS, AND THE MANY FIREPLACES ARE SOME OF THE SPECIAL FEATURES OF THIS HOME. BEAUTIFUL LIVING ROOM AND DINING ROOM, A LARGE DEN JUST OFF THE KITCHEN. A WONDERFUL WORKSHOP, PECAN TREES AND LARGE OPEN SPACES FOR ENJOYING THE OUTDOORS. THIS PROPERTY IS VERY CONVENIENT TO FORT RUCKER, FROM HWY 231 NORTH TURN LEFT ON HWY 27 TOWARDS ENTERPRISE. THE HOUSE IS LESS THAN A MILE ON THE RIGHT. YOU DON'T WANT TO MISS OUT ON SEEING THIS WONDERFUL HOME. CALL TODAY FOR YOUR PERSONAL TOUR.

Key facts

• Big 1.3 acre lot
• Detached carport
• Two living areas

Tags

• TWO LIVING AREAS
• DETACHED CARPORT
• BIG 1.3 ACRE LOT
• TWO DETACHED BUILDINGS
• CLOSE TO SHOPPING AREAS
• EASY ACCESS TO HWY 231

Property features AI

Exterior

• Parking: Detached carport; 1 carport space
• Utilities: Public water; Public sewer; Electricity available
• Home design: Single-family residence; One story; Residential property
• Construction: Vinyl siding
• Exterior features: Covered patio and porch

Interior

• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Hot water heating; Central heating; Electric heating; Central air conditioning; Electric cooling
• Interior features: Electric water heater; Carpet and laminate flooring

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $116k.

Deal economics

• At list price, monthly cash flow is $263 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $116k).
• Cap rate 9.0% vs local median 4.3% in Ozark — 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 62/100 on livability (#224 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Ozark City (town): math 11% / reading 36% proficiency, ranked #99 of 129 in AL (top 77%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Joseph W Lisenby Primary School (518 students, 68% FRL); D A Smith Middle School (math 7% / reading 35%, grade F, #188 of 257 statewide, top 74%, 485 students, 65% FRL); Carroll High School (math 22% / reading 27%, grade F, #118 of 305 statewide, top 45%, 638 students, 58% FRL) — zoned schools at 64% FRL track the district average.
• Market conditions: 186 active listings in the ZIP; 38 units permitted in Dale County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $804 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Dale County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $116,250

Questions for the listing agent

1. Built in 1940 — 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 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?
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: 1.04% ✓
• Cap rate: 9.01%
• Cash-on-cash: 9.71%
• DSCR: 1.43
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $219,144
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
676 Hwy 27	0.16mi	3/2.0	1,754 (+10%)	20mo	$242,000	$138	58

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: -1.7%
• Equity multiple: 0.94×
• Total profit: $-2,107
• Equity at exit: $17,333

10-year hold

• IRR: 7.9%
• Equity multiple: 1.60×
• Total profit: $19,568
• Equity at exit: $10,051

Cash invested: $32,550 (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 36360

• Home prices YoY: -6.9%
• Active inventory: 186
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,208 medium
• Mortgage (P&I): −$610
• Tax from tax record: −$33 /mo · $396/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $263

Break-even live

Break-even rent $875

Max offer price $116,250

Occupancy floor 73%

Sensitivity live

Price	-10% $329	-5% $296	+0% $263	+5% $231	+10% $198
Rent	-10% $168	-5% $216	+0% $263	+5% $311	+10% $359
Rate	-1.0pp $322	-0.5pp $293	base $263	+0.5pp $233	+1.0pp $203

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: $29,062
• Closing costs: $3,488
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-06-19
   status $116,250 Pending 3 DOM
2. 2026-06-18
   days on market $116,250 Active 3 DOM
3. 2026-06-17
   days on market $116,250 Active 2 DOM
4. 2026-06-16
   remarks 544-char remark
5. 2026-06-16
   listed $116,250 Active 1 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: $396 · $33/mo
• Projected year-2 tax: $477 · $40/mo
• Expected delta: +$80/yr (+$7/mo · 20.3%)

ⓘ 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 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,500
• − Mortgage interest: −$6,512
• − Property taxes: −$396
• − Insurance: −$581
• − Repairs & maintenance: −$1,160
• − Management: −$1,160
• − Depreciation: −$3,382
• Taxable income: $1,309
• Est. tax owed @ 24.0%: −$314
• After-tax cash flow: $2,848/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: Ozark City
• NCES district ID: 0102640
• Math proficiency: 11% ▼ -24.00%
• Reading proficiency: 36% ▲ 1.00%
• Median HH income: $39,155
• Composite: 19.67/100
• National rank: #8733
• State rank: #99 of 129 in AL

Livability — Ozark

• Score: 62/100
• State rank: #224
• US rank: #16855

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 19,461
• Population (ZIP): 19,461

Population outlook (Dale County) Hauer SSP2

• Today (2025): 46,805 people
• By 2030: 45,176 · -3.5%
• By 2040: 41,523 · -11.3%
• By 2050: 37,575 · -19.7%
• By 2075: 28,931 · -38.2%
• By 2100: 22,172 · -52.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (65%)
• Race & ethnicity: White 65% Black 27% Hispanic / Latino 4% Two or more races 3% Asian 1%
• Common ancestry: Serbian 2% Lithuanian 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 3% German/W. Germanic 1% Other Asian/Pacific 1%

Political lean MEDSL · Dale

• 2024 margin: Solid R (+52.3) · D 23.5% · R 75.8%
• 2008→2024 swing: -7.7pp toward R · 2008: -44.6pp · 2024: -52.3pp
• All cycles: 2024: R+52.3 2020: R+46.3 2016: R+50.4 2012: R+42.2 2008: R+44.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -14.80%
• Current HPI: 198.6765
• 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

-35.4% since first listed

6 events — show timeline

• 2026-06-12 Listed $116,250 WBR
• 2022-07-13 Sold (Public Records) $180,000 Public Records
• 2022-06-28 Sold (MLS) $180,000 WBR
• 2022-06-28 Sold (MLS) $180,000 MAAR
• 2022-04-29 Listed $180,000 WBR
• 2022-04-29 Listed $180,000 MAAR

Property tax history

+2.5%/yr

Latest (2025): $396 · -6.2% YoY. Source: county tax records.