127 Peters Cir · Ozark, AL 36360

$155,500

3 bd · 1.0 ba · 1,435 sqft · SingleFamily public records · 51 Days on market

Built 1965 0.38 ac lot $108/sqft · at area comps Est $151k · 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 +16.8/30.0
• ARV discount +6.0/15.0
• DSCR +5.2/10.0
• 1% rule +3.4/10.0
• 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

This 3 bedroom, 2 bath home has the kind of space and updates that matter. Inside, you'll find a large living room with plenty of room to spread out, along with new flooring in the kitchen and dining area that gives those spaces a fresh feel. Major improvements have already been taken care of, including a metal roof and electric water heater that are both only 4 years old, plus subflooring redone about 10 months ago. Out back, the large fenced yard offers plenty of space for kids, pets, or entertaining. Solid updates, good space, and a backyard that's ready to enjoy.

Key facts

• Metal roof
• Fenced yard
• New flooring

Tags

• LARGE LIVING ROOM
• NEW FLOORING
• METAL ROOF
• ELECTRIC WATER HEATER
• FENCED YARD

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One level
• Construction: Brick construction
• Exterior features: Deck

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator
• Flooring: Carpet; Vinyl; Wood
• Bathrooms: 2 full bathrooms
• Interior features: Double-pane windows; Wood-burning fireplace (1)
• Laundry & utility: Interior laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $156k.

Deal economics

• At list price, monthly cash flow is $99 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $130k (16.4% below list).
• Recommended offer: $130k (16.4% below list) — sets the bar for 1% rule.
• Cap rate 7.1% 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: 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 61% FRL track the district average.
• Market conditions: 187 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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 $1k of loan paydown is wiped out by about $5k 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

• It's been on market 51 days — a 3% lower offer ($151k) is reasonable based on typical stale-listing flexibility.
• 4 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.
• Current owner paid $126k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; 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 $130,000 (16.4% below list)

Questions for the listing agent

1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — 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. 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: 0.84% ✗
• Cap rate: 7.06%
• Cash-on-cash: 2.74%
• DSCR: 1.12
• GRM: 10.0

CMA / ARV

• ARV (median comp): $150,593
• List price: $155,500
• Delta: 3.26%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1178 Meadowlake Dr	0.28mi	3/2.0	1,441 (+0%)	6mo	$182,000	$126	77
407 Meadowlake Dr	0.41mi	3/2.0	1,375 (-4%)	1mo	$157,500	$115	69
178 Jasmine Dr	0.11mi	3/2.0	1,600 (+12%)	4mo	$114,000	$71	68
139 Merrydell Dr	0.43mi	3/2.0	1,462 (+2%)	9mo	$147,000	$101	66
171 Merrydell Dr	0.43mi	3/1.5	1,404 (-2%)	10mo	$149,500	$106	66
424 Merrydell Dr	0.27mi	3/2.0	1,531 (+7%)	8mo	$88,000	$57	65
249 Stephanie Dr	0.49mi	3/1.5	1,472 (+3%)	16mo	$167,000	$113	58
167 Stephanie Dr	0.40mi	3/2.0	1,275 (-11%)	9mo	$160,000	$125	51
231 Julian St	0.52mi	3/2.0	1,590 (+11%)	5mo	$105,000	$66	50
201 Seldon	0.44mi	3/2.0	1,335 (-7%)	18mo	$155,000	$116	49
704 Camilla Ave	0.56mi	3/2.0	1,622 (+13%)	2mo	$199,900	$123	47
236 Shulsen Dr	0.58mi	3/2.0	1,615 (+12%)	5mo	$190,000	$118	44

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: -12.0%
• Equity multiple: 0.57×
• Total profit: $-18,932
• Equity at exit: $23,186

10-year hold

• IRR: -3.0%
• Equity multiple: 0.80×
• Total profit: $-8,614
• Equity at exit: $13,445

Cash invested: $43,540 (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: 187
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,300 medium
• Mortgage (P&I): −$815
• Tax from tax record: −$47 /mo · $567/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $99

Break-even live

Break-even rent $1,174

Max offer price $155,500

Occupancy floor 87%

Sensitivity live

Price	-10% $188	-5% $143	+0% $99	+5% $55	+10% $11
Rent	-10% $-3	-5% $48	+0% $99	+5% $151	+10% $202
Rate	-1.0pp $178	-0.5pp $139	base $99	+0.5pp $59	+1.0pp $18

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: $38,875
• Closing costs: $4,665
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
310 Stratford Dr Ozark, AL	2.0	2.5	1500	$1,300	$0.87	44d	1	0.80mi
427 Dixie Dr Ozark, AL	4.0	2.0	1800	$1,300	$0.72	44d	1	0.86mi

Listing history 26 events

1. 2026-06-21
   days on market $155,500 Active 51 DOM
2. 2026-06-19
   days on market $155,500 Active 49 DOM
3. 2026-06-18
   days on market $155,500 Active 48 DOM
4. 2026-06-17
   days on market $155,500 Active 47 DOM
5. 2026-06-16
   days on market $155,500 Active 46 DOM
6. 2026-06-16
   price $155,500 Active 45 DOM
7. 2026-06-15
   days on market $157,500 Active 45 DOM
8. 2026-06-14
   days on market $157,500 Active 43 DOM
9. 2026-06-12
   days on market $157,500 Active 42 DOM
10. 2026-06-09
    days on market $157,500 Active 39 DOM
11. 2026-06-08
    days on market $157,500 Active 38 DOM
12. 2026-06-07
    days on market $157,500 Active 37 DOM
13. 2026-06-07
    days on market $157,500 Active 36 DOM
14. 2026-06-04
    days on market $157,500 Active 33 DOM
15. 2026-06-02
    days on market $157,500 Active 32 DOM
16. 2026-06-01
    days on market $157,500 Active 31 DOM
17. 2026-05-31
    days on market $157,500 Active 30 DOM
18. 2026-05-31
    days on market $157,500 Active 29 DOM
19. 2026-05-01
    listed $159,900 Active 573-char remark
20. 2025-12-01
    price $152,500
21. 2025-11-14
    price $157,500
22. 2025-08-30
    listed $159,900 Active
23. 2025-05-23
    price $159,900
24. 2025-05-11
    listed $170,000 Active
25. 2022-08-26
    soldstatus $126,000
26. 2022-08-04
    listed $126,000

ⓘ 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: $567 · $47/mo
• Projected year-2 tax: $638 · $53/mo
• Expected delta: +$70/yr (+$6/mo · 12.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 52% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 7/10 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 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,600
• − Mortgage interest: −$8,710
• − Property taxes: −$567
• − Insurance: −$778
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − Depreciation: −$4,524
• Taxable loss: −$1,475
• Est. tax savings @ 24.0%: +$354
• After-tax cash flow: $1,548/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

• Census place: Ozark, AL
• 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

+23.4% since first listed

10 events — show timeline

• 2026-06-15 Price Changed $155,500 SAMLS
• 2026-05-26 Price Changed $157,500 SAMLS
• 2026-05-01 Listed $159,900 SAMLS
• 2025-12-01 Price Changed $152,500 WBR
• 2025-11-14 Price Changed $157,500 WBR
• 2025-08-30 Listed $159,900 WBR
• 2025-05-23 Price Changed $159,900 SAMLS
• 2025-05-11 Listed $170,000 SAMLS
• 2022-08-26 Sold (MLS) $126,000 WBR
• 2022-08-04 Listed $126,000 WBR

Property tax history

+5.5%/yr

Latest (2025): $567 · +7.7% YoY. Source: county tax records.