1375 Levine Rd · Margaret, AL 35120

$145,000

3 bd · 1.0 ba · 1,800 sqft · SingleFamily public records · 37 Days on market

Built 1977 2.10 ac lot Est $263k · 45% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.3/10.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This property offers a lot of square footage for the price, plus a nice 2+ acre lot with a large storage shed. A very large room was added to the right side of the house, which can be a 4th bedroom or a big den with its own porch. See the large, bright bay window overlooking the back yard. Enjoy the peace and quiet of this location, far enough out but close enough to shopping and the interstate. Property is owned by the US Dept of HUD. Case number 011-658207, subject to Appraisal UI. Seller makes no representation or warranties as to the property condition. HUD homes are sold “As-Is”. Pre-1978 Properties to include LBP Notices. Equal Housing Opportunity. Seller may contribute up

Key facts

• Large room added
• Bay window
• 2 acre lot

Tags

• 2 ACRE LOT
• LARGE STORAGE SHED
• LARGE ROOM ADDED
• BAY WINDOW

Property features AI

Finance

• Other: Approximately 2.1 acres

Exterior

• Parking: Driveway parking; Off-street parking
• Utilities: Public water; Septic system; Electric water heater; Internet availability unknown
• Home design: Existing single-family property; Siding vinyl exterior
• Construction: Vinyl siding; Basement: partial, all unfinished, concrete block
• Exterior features: Porch; Storage building; Basement foundation; No pool; No patio; No deck; No garden/patio view; Not waterfront

Interior

• Kitchen: Laminate countertops; Built-in dishwasher
• Bedrooms: Five bedrooms on main level
• Flooring: Vinyl flooring; Subflooring
• Bathrooms: Two full bathrooms with tub/shower combo
• Heating & cooling: Central heating; Central cooling
• Interior features: Smooth ceilings; Bay window
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $550 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).
• Recommended offer: $141k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.8% vs local median 4.6% in Margaret — 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 64/100 on livability (#166 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Margaret Elementary (math 29% / reading 57%, grade F, #204 of 627 statewide, top 33%, 727 students, 58% FRL); Moody High School (math 17% / reading 22%, grade F, #169 of 305 statewide, top 59%, 687 students, 50% FRL).
• Market conditions: Rents flat; 292 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 557 units permitted in St. Clair 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 $4k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 0.5% rent growth), your $41k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($141k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,650 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1977 — 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. 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.
5. 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.
6. 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: 1.23% ✓
• Cap rate: 10.84%
• Cash-on-cash: 16.24%
• DSCR: 1.72
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $262,800
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
55 Rae St	0.52mi	3/2.0	1,612 (-10%)	7mo	$215,000	$133	49
110 Deer Creek Dr	0.75mi	3/2.5	1,575 (-12%)	23mo	$230,000	$146	19

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 · 0.49% rent growth · sell at horizon

5-year hold

• IRR: 4.6%
• Equity multiple: 1.17×
• Total profit: $7,057
• Equity at exit: $21,620

10-year hold

• IRR: 11.8%
• Equity multiple: 1.83×
• Total profit: $33,851
• Equity at exit: $12,537

Cash invested: $40,600 (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 35120

• Home prices YoY: -17.9%
• Rents YoY: 0.5%
• Active inventory: 292
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,779 high
• Mortgage (P&I): −$760
• Tax from tax record: −$35 /mo · $424/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $550

Break-even live

Break-even rent $1,084

Max offer price $145,000

Occupancy floor 64%

Sensitivity live

Price	-10% $632	-5% $591	+0% $550	+5% $508	+10% $467
Rent	-10% $409	-5% $479	+0% $550	+5% $620	+10% $690
Rate	-1.0pp $623	-0.5pp $586	base $550	+0.5pp $512	+1.0pp $474

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
125 Deer Creek Dr Odenville, AL	3.0	2.0	1492	$1,580	$1.06	16d	1	0.72mi
80 Deer Creek Dr Odenville, AL	4.0	2.0	1595	$1,435	$0.90	2d	1	0.76mi
55 Briar Ridge Ln Odenville, AL	4.0	3.0	2079	$1,905	$0.92	19d	1	0.87mi
160 Briar Ridge Ln Odenville, AL	3.0	2.5	1650	$1,555	$0.94	2d	1	0.91mi
120 Pine Springs Rd Odenville, AL	3.0	2.0	1312	$1,426	$1.09	3d	1	0.95mi
855 Moonlite Dr Odenville, AL	3.0	2.0	1488	$1,765	$1.19	19d	1	1.05mi
1055 Sky View Ln Odenville, AL	3.0	2.0	1497	$1,810	$1.21	24d	1	1.18mi
30 Sunset Cir Odenville, AL	3.0	2.0	1502	$1,595	$1.06	3d	1	1.24mi

Listing history 14 events

1. 2026-06-18
   days on market $145,000 Active 37 DOM
2. 2026-06-17
   days on market $145,000 Active 36 DOM
3. 2026-06-16
   days on market $145,000 Active 35 DOM
4. 2026-06-15
   days on market $145,000 Active 34 DOM
5. 2026-06-13
   days on market $145,000 Active 32 DOM
6. 2026-06-10
   days on market $145,000 Active 29 DOM
7. 2026-06-09
   days on market $145,000 Active 28 DOM
8. 2026-06-08
   days on market $145,000 Active 27 DOM
9. 2026-06-07
   days on market $145,000 Active 26 DOM
10. 2026-06-03
    days on market $145,000 Active 22 DOM
11. 2026-06-02
    days on market $145,000 Active 21 DOM
12. 2026-06-01
    days on market $145,000 Active 20 DOM
13. 2026-05-31
    days on market $145,000 Active 19 DOM
14. 2026-05-12
    listed $145,000 Active

ⓘ 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: $424 · $35/mo
• Projected year-2 tax: $594 · $50/mo
• Expected delta: +$171/yr (+$14/mo · 40.3%)

ⓘ 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 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,351
• − Mortgage interest: −$8,122
• − Property taxes: −$424
• − Insurance: −$725
• − Repairs & maintenance: −$1,708
• − Management: −$1,708
• − Depreciation: −$4,218
• Taxable income: $4,446
• Est. tax owed @ 24.0%: −$1,067
• After-tax cash flow: $5,527/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: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Margaret

• Score: 64/100
• State rank: #166
• US rank: #14543

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Margaret, AL
• County: Saint Clair County · 54,404 people
• City population: 71
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 17,730
• Household income: $74,352
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 109.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 8% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Serbian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -38.39%
• Current HPI: 175.5104
• Rent YoY: ▲ 0.49%
• Metro: Birmingham-Hoover, 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

1 event — show timeline

• 2026-05-12 Listed $145,000 Greater Alabama MLS

Property tax history

+5.8%/yr

Latest (2025): $424 · +0.0% YoY. Source: county tax records.