1059 Holley St · Loxley, AL 36551

$139,900

3 bd · 1.0 ba · 1,458 sqft · SingleFamily · 53 Days on market

Built 1957 Average condition 0.25 ac lot $96/sqft · 41% below area Est $236k · 41% under ↓ 7% 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 +23.4/30.0
• ARV discount +15.0/15.0
• DSCR +7.5/10.0
• 1% rule +6.1/10.0
• Livability +3.3/5.0
• Schools +3.1/10.0
• Condition / age +2.8/5.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

PRIME LIVE/WORK OPPORTUNITY IN THE HEART OF LOXLEY!3BR/1.5BA brick home with a durable metal roof, ideally located in a high-visibility area. This unique property offers the perfect setup for a small business, office space, or mixed-use investment. The home is in overall good condition but could benefit from some TLC—making it a great value-add opportunity to customize for your needs. Solid brick construction and a functional layout provide a foundation whether you’re looking to renovate for business use, rental income, or a combination of both. Positioned in the center of Loxley, this property offers excellent potential for entrepreneurs and investors alike.

Key facts

• Flexible property
• Functional layout
• Commercial zoning

Tags

• COMMERCIAL ZONING
• SOLID BRICK CONSTRUCTION
• FUNCTIONAL LAYOUT
• FLEXIBLE PROPERTY

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k. Condition is rated average.

Deal economics

• At list price, monthly cash flow is $258 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $136k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 4.0% in Loxley — 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 66/100 on livability (#95 in AL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, employment B; Watch: crime D, amenities F, commute F.
• Baldwin County (rural): math 33% / reading 57% proficiency, ranked #18 of 129 in AL (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Loxley Elementary School (math 22% / reading 49%, grade F, #288 of 627 statewide, top 46%, 482 students, 65% FRL); Central Baldwin Middle School (math 17% / reading 49%, grade F, #101 of 257 statewide, top 40%, 757 students, 74% FRL); Baldwin County High School (math 19% / reading 27%, grade F, #140 of 305 statewide, top 46%, 1,039 students, 66% FRL) — zoned schools average 68% FRL vs 38% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 30% at this address vs 45% district-wide (-14 pts) — the specific schools serving this property underperform the Baldwin County average; the district grade overstates school quality for this exact location.
• Market conditions: 224 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 3,883 units permitted in Baldwin County in 2024 (481 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Baldwin County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($136k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,703 (3.0% below list)

Questions for the listing agent

1. It's been on market 53 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 1957 — 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 D-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 D 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. 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: 1.11% ✓
• Cap rate: 8.50%
• Cash-on-cash: 7.89%
• DSCR: 1.35
• GRM: 7.5

CMA / ARV

• ARV (median comp): $236,381
• List price: $139,900
• Delta: -40.82%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3093 N Alabama St	0.21mi	3/2.0	1,468 (+1%)	0mo	$249,900	$170	85
2022 W Union Ave	0.37mi	3/2.0	1,560 (+7%)	3mo	$294,500	$189	64
1059 N Alabama St	0.18mi	3/2.0	1,532 (+5%)	20mo	$195,000	$127	62
2018 W Union Ave	0.37mi	3/2.0	1,560 (+7%)	10mo	$300,000	$192	59
3154 S Holley St	0.23mi	3/2.0	1,329 (-9%)	16mo	$240,000	$181	58
4165 W Relham Dr	0.42mi	3/1.0	1,355 (-7%)	15mo	$175,000	$129	56
3206 N Magnolia Street St	0.59mi	3/1.5	1,600 (+10%)	0mo	$175,000	$109	54
83 Fincher Ln	0.55mi	4/2.0 (+1)	1,382 (-5%)	4mo	$239,000	$173	54
1103 N Cedar St	0.23mi	3/1.0	1,280 (-12%)	21mo	$139,500	$109	51
5107 St Alban Ave	0.48mi	2/1.0 (-1)	1,267 (-13%)	1mo	$216,000	$170	50
120 W Northgate Dr	0.58mi	3/2.0	1,269 (-13%)	2mo	$219,000	$173	45
15364 County Road 66	0.65mi	3/2.0	1,665 (+14%)	11mo	$260,000	$156	33

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: -4.3%
• Equity multiple: 0.84×
• Total profit: $-6,234
• Equity at exit: $20,860

10-year hold

• IRR: 5.4%
• Equity multiple: 1.40×
• Total profit: $15,799
• Equity at exit: $12,096

Cash invested: $39,172 (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 →

Seller's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 4 active · 8 under contract
• Months of supply: 2.7 mo (38%/mo absorbed)
• Median asking: $288,250 ($197/sqft)
• Median days on market: 11 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -17.8% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 36551

• Home prices YoY: -19.6%
• Active inventory: 224
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,550 medium
• Mortgage (P&I): −$734
• Tax est. 1.5%: −$175 /mo · $2,098/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$326
• Net cashflow: $258

Break-even live

Break-even rent $1,224

Max offer price $139,900

Occupancy floor 78%

Sensitivity live

Price	-10% $354	-5% $306	+0% $258	+5% $209	+10% $161
Rent	-10% $135	-5% $196	+0% $258	+5% $319	+10% $380
Rate	-1.0pp $328	-0.5pp $293	base $258	+0.5pp $221	+1.0pp $185

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: $34,975
• Closing costs: $4,197
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
105 Northgate Dr W Loxley, AL	3.0	1.0	1015	$1,550	$1.53	15d	1	0.51mi

Property features AI

Finance

• Other: Whole/full ownership
• HOA & community: No transfer feesCommunity features: other

Exterior

• Parking: See remarks for parking information
• Utilities: Utilities: see remarks
• Home design: One-story residenceResale property
• Construction: Brick constructionMetal roofSlab foundationBuilt area recorded as 1,458 square feet (assessor)
• Exterior features: See remarks for lot and other exterior detailsOther waterfront features (see remarks)

Interior

• Kitchen: Other appliances (see remarks)
• Flooring: Other floors (see remarks)
• Bathrooms: 1 full bathroom
• Heating & cooling: Heating present (see remarks for details)
• Interior features: No fireplaceSee remarks for additional interior details

Listing history 14 events

1. 2026-06-29
   days on market $139,900 Active 53 DOM
2. 2026-06-28
   days on market $139,900 Active 52 DOM
3. 2026-06-28
   days on market $139,900 Active 51 DOM
4. 2026-06-27
   days on market $139,900 Active 50 DOM
5. 2026-06-25
   days on market $139,900 Active 48 DOM
6. 2026-06-23
   days on market $139,900 Active 46 DOM
7. 2026-06-21
   days on market $139,900 Active 45 DOM
8. 2026-06-19
   days on market $139,900 Active 43 DOM
9. 2026-06-18
   days on market $139,900 Active 42 DOM
10. 2026-06-17
    days on market $139,900 Active 41 DOM
11. 2026-06-16
    days on market $139,900 Active 40 DOM
12. 2026-06-15
    days on market $139,900 Active 39 DOM
13. 2026-06-14
    remarks 681-char remark
14. 2026-06-14
    listed $139,900 Active 37 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,600
• − Mortgage interest: −$7,837
• − Property taxes: −$2,098
• − Insurance: −$700
• − Repairs & maintenance: −$1,488
• − Management: −$1,488
• − Depreciation: −$4,070
• Taxable income: $920
• Est. tax owed @ 24.0%: −$221
• After-tax cash flow: $2,871/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.

Condition & rehab AI · 12 photos

Average 55/100 Moderate rehab Est. rehab $36,450–$65,610 screening

This 3-bedroom, 1-bathroom home in Loxley, AL, offers a solid foundation for a prime live/work opportunity. While in average condition, it requires moderate repairs and maintenance to enhance its resale and rental value.

Repairs flagged

• Minor exterior paint — some wear
• Minor interior paint — simple paint
• Moderate HVAC system — basic ceiling fan

Value-add opportunities

• Both paint exterior and interior — enhances curb appeal and interior aesthetics ↑
• Both upgrade HVAC system — improves comfort and energy efficiency ↑
• Both landscaping — enhances curb appeal and property value ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 30/100

Zoned Schools

Elementary Loxley Elementary School F AL #288/627 Nat'l #22,764/41,679 Middle Central Baldwin Middle School F AL #101/257 Nat'l #8,059/14,009 High Baldwin County High School F AL #140/305 Nat'l #13,542/17,239

Schools (NCES district)

• District: Baldwin County
• NCES district ID: 0100270
• Math proficiency: 33% ▼ -26.00%
• Reading proficiency: 57% ▲ 1.00%
• Median HH income: $50,677
• Composite: 38.61/100
• National rank: #4157
• State rank: #18 of 129 in AL

C Composite livability gradescore 66/100

Livability — Loxley

• Score: 66/100
• State rank: #95
• US rank: #11346

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Loxley, AL
• County: Baldwin · 248,264 people
• Metro: Daphne-Fairhope-Foley, AL
• Population (ZIP): 12,915
• Household income: $68,625
• Rent vs Own: 21.2% rent · 78.8% own
• Severe rent burden: 1% of renters

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Population outlook (Baldwin County) Hauer SSP2

• Today (2025): 248,264 people
• By 2030: 270,315 · +8.9%
• By 2040: 312,967 · +26.1%
• By 2050: 352,262 · +41.9%
• By 2075: 438,841 · +76.8%
• By 2100: 487,736 · +96.5%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 15% Hispanic / Latino 6% Two or more races 3% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Italian 1% Lithuanian 1% Slovak 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

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Political lean MEDSL · Baldwin

• 2024 margin: Solid R (+58.2) · D 20.5% · R 78.7%
• 2008→2024 swing: -6.7pp toward R · 2008: -51.5pp · 2024: -58.2pp
• All cycles: 2024: R+58.2 2020: R+53.8 2016: R+57.8 2012: R+55.8 2008: R+51.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.18%
• Current HPI: 291.8584
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Property features AI

Finance

• Other: Whole/full ownership
• HOA & community: No transfer feesCommunity features: other

Exterior

• Parking: See remarks for parking information
• Utilities: Utilities: see remarks
• Home design: One-story residenceResale property
• Construction: Brick constructionMetal roofSlab foundationBuilt area recorded as 1,458 square feet (assessor)
• Exterior features: See remarks for lot and other exterior detailsOther waterfront features (see remarks)

Interior

• Kitchen: Other appliances (see remarks)
• Flooring: Other floors (see remarks)
• Bathrooms: 1 full bathroom
• Heating & cooling: Heating present (see remarks for details)
• Interior features: No fireplaceSee remarks for additional interior details

Price history

-6.7% since first listed

2 events — show timeline

• 2026-05-18 Price Changed $139,900 BCAR
• 2026-05-07 Listed $149,900 BCAR