727 Glenwood Rd · Talladega, AL 35160

$109,900

4 bd · 1.0 ba · 1,741 sqft · SingleFamily public records · 163 Days on market

Built 1950 10,018 sqft lot $63/sqft · 30% below area Est $157k · 30% 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 +29.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +6.8/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 727 Glenwood Rd in Talladega, located in the Pines subdivision and just a short walk from Veteran’s Park. This 1,741 sq ft home offers 4 bedrooms and 2 full bathrooms, providing ample space for comfortable living. The property also features a detached garage, perfect for parking, storage, or a workshop. This home is conveniently located close to everything in Talladega and full of potential for its next owner. Don't miss your opportunity to get a 4-bedroom home in this price range.

Key facts

• Pines subdivision
• Detached garage
• 0.23 acre lot

Tags

• PINES SUBDIVISION
• SHORT WALK FROM VETERAN'S PARK
• DETACHED GARAGE

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $376 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.4% vs local median 4.8% in Talladega — 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 59/100 on livability (#327 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A, health & safety A-; Watch: schools F, crime F, amenities F.
• Talladega City (rural): math 7% / reading 25% proficiency, ranked #114 of 129 in AL (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 171 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 189 units permitted in Talladega County in 2024 (6 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $760 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Talladega County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 163 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $66k; list at $110k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 163 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 1950 — 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. 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?
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: 1.18% ✓
• Cap rate: 10.40%
• Cash-on-cash: 14.66%
• DSCR: 1.65
• GRM: 7.1

CMA / ARV

• ARV (median comp): $157,211
• List price: $109,900
• Delta: -30.09%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
718 Alicia Ave	0.06mi	3/2.0 (-1)	1,692 (-3%)	14mo	$147,900	$87	71
723 S Spring St	0.08mi	5/2.0 (+1)	1,664 (-4%)	19mo	$142,000	$85	64
204 Mary St	0.48mi	3/1.0 (-1)	1,669 (-4%)	8mo	$20,000	$12	59
730 Glenwood Rd	0.08mi	3/2.0 (-1)	1,580 (-9%)	22mo	$150,000	$95	54
1010 Tomahawk Dr	0.68mi	3/2.0 (-1)	1,698 (-2%)	5mo	$191,000	$112	51
107 Hillside Dr	0.36mi	3/1.5 (-1)	1,532 (-12%)	8mo	$185,500	$121	50
703 Patricia Ave	0.16mi	3/2.0 (-1)	1,496 (-14%)	15mo	$115,000	$77	48
1012 Cloverdale Cir	0.31mi	3/2.0 (-1)	1,977 (+14%)	14mo	$166,000	$84	42
504 Cherry St	0.62mi	3/2.0 (-1)	1,696 (-3%)	19mo	$147,900	$87	42
1015 Tomahawk Dr	0.73mi	3/2.0 (-1)	1,668 (-4%)	10mo	$170,000	$102	41
1007 Southwood Ave	0.48mi	3/2.0 (-1)	1,906 (+10%)	22mo	$193,000	$101	34

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: 5.1%
• Equity multiple: 1.20×
• Total profit: $6,085
• Equity at exit: $16,386

10-year hold

• IRR: 14.5%
• Equity multiple: 2.17×
• Total profit: $35,929
• Equity at exit: $9,502

Cash invested: $30,772 (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 35160

• Home prices YoY: -26.9%
• Active inventory: 171
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,295 medium
• Mortgage (P&I): −$576
• Tax from tax record: −$25 /mo · $300/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $376

Break-even live

Break-even rent $819

Max offer price $109,900

Occupancy floor 66%

Sensitivity live

Price	-10% $438	-5% $407	+0% $376	+5% $345	+10% $314
Rent	-10% $274	-5% $325	+0% $376	+5% $427	+10% $478
Rate	-1.0pp $431	-0.5pp $404	base $376	+0.5pp $347	+1.0pp $318

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
207 Jemison St Talladega, AL	3.0	2.0	1490	$1,295	$0.87	45d	1	1.33mi

Listing history 30 events

1. 2026-06-21
   days on market $109,900 Active 163 DOM
2. 2026-06-19
   pricedays on market $109,900 Active 161 DOM
3. 2026-06-18
   days on market $114,900 Active 160 DOM
4. 2026-06-17
   days on market $114,900 Active 159 DOM
5. 2026-06-16
   days on market $114,900 Active 158 DOM
6. 2026-06-15
   days on market $114,900 Active 157 DOM
7. 2026-06-14
   days on market $114,900 Active 155 DOM
8. 2026-06-12
   days on market $114,900 Active 154 DOM
9. 2026-06-09
   days on market $114,900 Active 151 DOM
10. 2026-06-08
    days on market $114,900 Active 150 DOM
11. 2026-06-07
    days on market $114,900 Active 149 DOM
12. 2026-06-04
    days on market $114,900 Active 145 DOM
13. 2026-06-02
    days on market $114,900 Active 144 DOM
14. 2026-06-01
    days on market $114,900 Active 143 DOM
15. 2026-05-31
    days on market $114,900 Active 142 DOM
16. 2026-05-31
    days on market $114,900 Active 141 DOM
17. 2026-05-04
    price $114,900 503-char remark

    Show marketing remark (503 chars)

    Welcome to 727 Glenwood Rd in Talladega, located in the Pines subdivision and just a short walk from Veteran’s Park. This 1,741 sq ft home offers 4 bedrooms and 2 full bathrooms, providing ample space for comfortable living. The property also features a detached garage, perfect for parking, storage, or a workshop. This home is conveniently located close to everything in Talladega and full of potential for its next owner. Don't miss your opportunity to get a 4-bedroom home in this price range.

18. 2026-01-09
    listed $119,900 Active 503-char remark

    Show marketing remark (503 chars)

    Welcome to 727 Glenwood Rd in Talladega, located in the Pines subdivision and just a short walk from Veteran’s Park. This 1,741 sq ft home offers 4 bedrooms and 2 full bathrooms, providing ample space for comfortable living. The property also features a detached garage, perfect for parking, storage, or a workshop. This home is conveniently located close to everything in Talladega and full of potential for its next owner. Don't miss your opportunity to get a 4-bedroom home in this price range.

19. 2021-08-27
    soldstatus $66,000 Sold 666-char remark

    Show marketing remark (666 chars)

    Great home in The Pines subdivision walking distance from Veteran's Park! Owner has been working hard to get this home up-to-date with fresh paint inside and outside the home. The whole ventilation system has been cleaned. Security solar sensor lights have been added all around the home and the landscaping has been updated with fruit bearing trees, crepe myrtles, lilac, and maple trees! This 1741 sq ft 3 bedroom, 2 full bath home features a lot of space with a living area, dining room and a nice sized den/office and the kitchen has TONS of cabinet space. Property also features a fenced in yard, garage space or storage and a carport. Come see this home today!

20. 2021-07-23
    historical Contingent 666-char remark

    Show marketing remark (666 chars)

    Great home in The Pines subdivision walking distance from Veteran's Park! Owner has been working hard to get this home up-to-date with fresh paint inside and outside the home. The whole ventilation system has been cleaned. Security solar sensor lights have been added all around the home and the landscaping has been updated with fruit bearing trees, crepe myrtles, lilac, and maple trees! This 1741 sq ft 3 bedroom, 2 full bath home features a lot of space with a living area, dining room and a nice sized den/office and the kitchen has TONS of cabinet space. Property also features a fenced in yard, garage space or storage and a carport. Come see this home today!

21. 2021-06-08
    price $64,900 666-char remark

    Show marketing remark (666 chars)

    Great home in The Pines subdivision walking distance from Veteran's Park! Owner has been working hard to get this home up-to-date with fresh paint inside and outside the home. The whole ventilation system has been cleaned. Security solar sensor lights have been added all around the home and the landscaping has been updated with fruit bearing trees, crepe myrtles, lilac, and maple trees! This 1741 sq ft 3 bedroom, 2 full bath home features a lot of space with a living area, dining room and a nice sized den/office and the kitchen has TONS of cabinet space. Property also features a fenced in yard, garage space or storage and a carport. Come see this home today!

22. 2021-03-16
    listed $75,000 Active 666-char remark

    Show marketing remark (666 chars)

    Great home in The Pines subdivision walking distance from Veteran's Park! Owner has been working hard to get this home up-to-date with fresh paint inside and outside the home. The whole ventilation system has been cleaned. Security solar sensor lights have been added all around the home and the landscaping has been updated with fruit bearing trees, crepe myrtles, lilac, and maple trees! This 1741 sq ft 3 bedroom, 2 full bath home features a lot of space with a living area, dining room and a nice sized den/office and the kitchen has TONS of cabinet space. Property also features a fenced in yard, garage space or storage and a carport. Come see this home today!

23. 2020-03-13
    soldstatus $39,750 Sold
24. 2020-03-08
    historical
25. 2020-02-25
    status Pending
26. 2019-11-09
    price $39,750
27. 2019-08-28
    listed $44,700 Active
28. 2019-06-13
    price $54,900
29. 2019-03-25
    price $59,900
30. 2014-02-18
    soldstatus $67,604

ⓘ 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: $300 · $25/mo
• Projected year-2 tax: $451 · $38/mo
• Expected delta: +$151/yr (+$13/mo · 50.2%)

ⓘ 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 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,540
• − Mortgage interest: −$6,156
• − Property taxes: −$300
• − Insurance: −$550
• − Repairs & maintenance: −$1,243
• − Management: −$1,243
• − Depreciation: −$3,197
• Taxable income: $2,851
• Est. tax owed @ 24.0%: −$684
• After-tax cash flow: $3,827/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: Talladega City
• NCES district ID: 0103150
• Math proficiency: 7% ▼ -19.00%
• Reading proficiency: 25% ▼ -4.00%
• Median HH income: $30,107
• Composite: 12.63/100
• National rank: #9610
• State rank: #114 of 129 in AL

Livability — Talladega

• Score: 59/100
• State rank: #327
• US rank: #19965

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: Talladega, AL
• Population (ZIP): 26,177

Population outlook (Talladega County) Hauer SSP2

• Today (2025): 78,905 people
• By 2030: 77,160 · -2.2%
• By 2040: 72,937 · -7.6%
• By 2050: 68,279 · -13.5%
• By 2075: 57,884 · -26.6%
• By 2100: 47,220 · -40.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 49% Black 43% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Slovak 2% Italian 1% Iranian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Talladega

• 2024 margin: Solid R (+33.8) · D 32.9% · R 66.6%
• 2008→2024 swing: -15.3pp toward R · 2008: -18.5pp · 2024: -33.8pp
• All cycles: 2024: R+33.8 2020: R+25.5 2016: R+25.6 2012: R+16.0 2008: R+18.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -70.24%
• Current HPI: 190.5904
• 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

+70.0% since first listed

14 events — show timeline

• 2026-05-04 Price Changed $114,900 Greater Alabama MLS
• 2026-01-09 Listed $119,900 Greater Alabama MLS
• 2021-08-27 Sold (MLS) $66,000 Greater Alabama MLS
• 2021-07-23 Contingent — Greater Alabama MLS
• 2021-06-08 Price Changed $64,900 Greater Alabama MLS
• 2021-03-16 Listed $75,000 Greater Alabama MLS
• 2020-03-13 Sold (MLS) $39,750 Greater Alabama MLS
• 2020-03-08 Delisted — Greater Alabama MLS
• 2020-02-25 Pending — Greater Alabama MLS
• 2019-11-09 Price Changed $39,750 Greater Alabama MLS
• 2019-08-28 Listed $44,700 Greater Alabama MLS
• 2019-06-13 Price Changed $54,900 Greater Alabama MLS
• 2019-03-25 Price Changed $59,900 Greater Alabama MLS
• 2014-02-18 Sold (Public Records) $67,604 Public Records

Property tax history

+3.3%/yr

Latest (2025): $300 · -7.4% YoY. Source: county tax records.