4122 Jacksonville St · Edwardsville, AL 36264

$48,000

3 bd · 1.0 ba · 1,260 sqft · SingleFamily public records · 274 Days on market

Built 1935 0.57 ac lot $38/sqft · 79% below area

---

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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.1/10.0
• Livability +3.1/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

If walls could talk, this 1935 home would have stories to tell. Sitting on over half an acre in Heflin, this classic Southern fixer-upper is full of character and waiting for the right person to bring it back to life. Inside, you'll find original wood paneling, vintage kitchen cabinets, and a layout that feels open and full of possibility. The wide front porch is made for slow afternoons, while the spacious yard shaded by mature trees offers plenty of room to garden, gather, or expand. With a carport for convenience and a solid foundation to build from, this home is ideal for someone who sees potential where others see a project. Whether you're an investor or a hands-on dreamer, this is a rare chance to restore a piece of Southern charm. Cash buyers only-let's bring this beauty back to life.

Key facts

• Wide front porch
• 0.57-acre lot
• Concrete foundation

Tags

• 0.57-ACRE LOT
• ORIGINAL WOOD PANELING
• VINTAGE KITCHEN CABINETRY
• WIDE FRONT PORCH
• CONCRETE FOUNDATION
• WOOD SIDING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $48k.

Deal economics

• At list price, monthly cash flow is $686 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $48k).
• Recommended offer: $42k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#220 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A; Watch: crime C-, schools F, amenities F.
• Cleburne County (rural): math 20% / reading 52% proficiency, ranked #42 of 129 in AL (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 66 active listings in the ZIP; 5 units permitted in Cleburne County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $400 of equity ($332 loan paydown + $68 appreciation (0.1% local appreciation)).
• Cleburne County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (0.1% appreciation + 3.0% rent growth), your $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 274 days — a 12% lower offer ($42k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts 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 1935 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% 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 $42,240 (12.0% below list)

Questions for the listing agent

1. It's been on market 274 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1935 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 2.62% ✓
• Cap rate: 23.45%
• Cash-on-cash: 61.27%
• DSCR: 3.73
• GRM: 3.2

CMA / ARV

• ARV (median comp): $226,479
• List price: $48,000
• Delta: -78.81%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Projected returns pro-forma

0.14% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 63.2%
• Equity multiple: 4.17×
• Total profit: $42,627
• Equity at exit: $14,279

10-year hold

• IRR: 65.2%
• Equity multiple: 8.45×
• Total profit: $100,077
• Equity at exit: $17,439

Cash invested: $13,440 (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 36264

• Home prices YoY: 0.1%
• Active inventory: 66
• Price-to-rent: 3.2×

Monthly cashflow live

• Estimated rent: $1,259 medium
• Mortgage (P&I): −$252
• Tax from tax record: −$37 /mo · $439/yr
• Insurance: −$20
• HOA: −$0
• Vacancy / Maint / Mgmt: −$264
• Net cashflow: $686

Break-even live

Break-even rent $390

Max offer price $48,000

Occupancy floor 40%

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: $12,000
• Closing costs: $1,440
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-19
   days on market $48,000 Active 274 DOM
2. 2026-06-18
   days on market $48,000 Active 273 DOM
3. 2026-06-17
   days on market $48,000 Active 272 DOM
4. 2026-06-16
   days on market $48,000 Active 271 DOM
5. 2026-06-15
   days on market $48,000 Active 270 DOM
6. 2026-06-14
   days on market $48,000 Active 268 DOM
7. 2026-06-13
   days on market $48,000 Active 267 DOM
8. 2026-06-10
   days on market $48,000 Active 265 DOM
9. 2026-06-09
   days on market $48,000 Active 264 DOM
10. 2026-06-08
    days on market $48,000 Active 263 DOM
11. 2026-06-07
    days on market $48,000 Active 262 DOM
12. 2026-06-05
    days on market $48,000 Active 259 DOM
13. 2026-06-03
    days on market $48,000 Active 258 DOM
14. 2026-06-02
    days on market $48,000 Active 257 DOM
15. 2026-06-01
    days on market $48,000 Active 256 DOM
16. 2026-05-31
    days on market $48,000 Active 255 DOM
17. 2026-05-30
    days on market $48,000 Active 254 DOM
18. 2025-12-18
    status Back On Market 802-char remark

    Show marketing remark (826 chars)

    If walls could talk, this 1935 home would have stories to tell. Sitting on over half an acre in Heflin, this classic Southern fixer-upper is full of character and waiting for the right person to bring it back to life. Inside, you’ll find original wood paneling, vintage kitchen cabinets, and a layout that feels open and full of possibility. The wide front porch is made for slow afternoons, while the spacious yard shaded by mature trees offers plenty of room to garden, gather, or expand. With a carport for convenience and a solid foundation to build from, this home is ideal for someone who sees potential where others see a project. Whether you’re an investor or a hands-on dreamer, this is a rare chance to restore a piece of Southern charm. Cash buyers only—let’s bring this beauty back to life.

19. 2025-12-18
    status Active 826-char remark

    Show marketing remark (826 chars)

    If walls could talk, this 1935 home would have stories to tell. Sitting on over half an acre in Heflin, this classic Southern fixer-upper is full of character and waiting for the right person to bring it back to life. Inside, you’ll find original wood paneling, vintage kitchen cabinets, and a layout that feels open and full of possibility. The wide front porch is made for slow afternoons, while the spacious yard shaded by mature trees offers plenty of room to garden, gather, or expand. With a carport for convenience and a solid foundation to build from, this home is ideal for someone who sees potential where others see a project. Whether you’re an investor or a hands-on dreamer, this is a rare chance to restore a piece of Southern charm. Cash buyers only—let’s bring this beauty back to life.

20. 2025-12-18
    historical 826-char remark

    Show marketing remark (826 chars)

    If walls could talk, this 1935 home would have stories to tell. Sitting on over half an acre in Heflin, this classic Southern fixer-upper is full of character and waiting for the right person to bring it back to life. Inside, you’ll find original wood paneling, vintage kitchen cabinets, and a layout that feels open and full of possibility. The wide front porch is made for slow afternoons, while the spacious yard shaded by mature trees offers plenty of room to garden, gather, or expand. With a carport for convenience and a solid foundation to build from, this home is ideal for someone who sees potential where others see a project. Whether you’re an investor or a hands-on dreamer, this is a rare chance to restore a piece of Southern charm. Cash buyers only—let’s bring this beauty back to life.

21. 2025-12-17
    historical 802-char remark

    Show marketing remark (802 chars)

    If walls could talk, this 1935 home would have stories to tell. Sitting on over half an acre in Heflin, this classic Southern fixer-upper is full of character and waiting for the right person to bring it back to life. Inside, you'll find original wood paneling, vintage kitchen cabinets, and a layout that feels open and full of possibility. The wide front porch is made for slow afternoons, while the spacious yard shaded by mature trees offers plenty of room to garden, gather, or expand. With a carport for convenience and a solid foundation to build from, this home is ideal for someone who sees potential where others see a project. Whether you're an investor or a hands-on dreamer, this is a rare chance to restore a piece of Southern charm. Cash buyers only-let's bring this beauty back to life.

22. 2025-09-18
    listed $48,000 Active 826-char remark

    Show marketing remark (826 chars)

    If walls could talk, this 1935 home would have stories to tell. Sitting on over half an acre in Heflin, this classic Southern fixer-upper is full of character and waiting for the right person to bring it back to life. Inside, you’ll find original wood paneling, vintage kitchen cabinets, and a layout that feels open and full of possibility. The wide front porch is made for slow afternoons, while the spacious yard shaded by mature trees offers plenty of room to garden, gather, or expand. With a carport for convenience and a solid foundation to build from, this home is ideal for someone who sees potential where others see a project. Whether you’re an investor or a hands-on dreamer, this is a rare chance to restore a piece of Southern charm. Cash buyers only—let’s bring this beauty back to life.

23. 2025-09-16
    listed $48,000 New 802-char remark

    Show marketing remark (802 chars)

    If walls could talk, this 1935 home would have stories to tell. Sitting on over half an acre in Heflin, this classic Southern fixer-upper is full of character and waiting for the right person to bring it back to life. Inside, you'll find original wood paneling, vintage kitchen cabinets, and a layout that feels open and full of possibility. The wide front porch is made for slow afternoons, while the spacious yard shaded by mature trees offers plenty of room to garden, gather, or expand. With a carport for convenience and a solid foundation to build from, this home is ideal for someone who sees potential where others see a project. Whether you're an investor or a hands-on dreamer, this is a rare chance to restore a piece of Southern charm. Cash buyers only-let's bring this beauty back to life.

24. 2006-09-27
    soldstatus $44,000

ⓘ 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: $439 · $37/mo
• Projected year-2 tax: $439 · $37/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 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,107
• − Mortgage interest: −$2,689
• − Property taxes: −$439
• − Insurance: −$240
• − Repairs & maintenance: −$1,209
• − Management: −$1,209
• − Depreciation: −$1,396
• Taxable income: $7,925
• Est. tax owed @ 24.0%: −$1,902
• After-tax cash flow: $6,332/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: Cleburne County
• NCES district ID: 0100780
• Math proficiency: 20% ▼ -29.00%
• Reading proficiency: 52% ▲ 4.00%
• Median HH income: $37,491
• Composite: 29.85/100
• National rank: #6411
• State rank: #42 of 129 in AL

Livability — Edwardsville

• Score: 62/100
• State rank: #220
• US rank: #16694

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Edwardsville, AL
• City population: 1,908
• Population (ZIP): 8,408

Population outlook (Cleburne County) Hauer SSP2

• Today (2025): 14,835 people
• By 2030: 14,605 · -1.6%
• By 2040: 14,023 · -5.5%
• By 2050: 13,301 · -10.3%
• By 2075: 11,624 · -21.6%
• By 2100: 9,912 · -33.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 7% Hispanic / Latino 4% Two or more races 2%
• Common ancestry: Italian 6% Slovak 3% Serbian 3%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Cleburne

• 2024 margin: Solid R (+83.6) · D 7.9% · R 91.5%
• 2008→2024 swing: -21.2pp toward R · 2008: -62.4pp · 2024: -83.6pp
• All cycles: 2024: R+83.6 2020: R+80.4 2016: R+77.4 2012: R+68.2 2008: R+62.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.14%
• Current HPI: 257.2736
• 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

+9.1% since first listed

7 events — show timeline

• 2025-12-18 Relisted — GAMLS
• 2025-12-18 Relisted — Greater Alabama MLS
• 2025-12-18 Delisted — Greater Alabama MLS
• 2025-12-17 Listing Removed — GAMLS
• 2025-09-18 Listed $48,000 Greater Alabama MLS
• 2025-09-16 Listed $48,000 GAMLS
• 2006-09-27 Sold (Public Records) $44,000 Public Records

Property tax history

+2.2%/yr

Latest (2025): $439 · +7.0% YoY. Source: county tax records.