6317 Taramore Ln · Huntsville, AL 35806

$291,850

4 bd · 2.5 ba · 2,185 sqft · SingleFamily · 16 Days on market

Built 2026 4,356 sqft lot Est $330k · 12% under $33/mo HOA · 2% of rent

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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).

• ARV discount +12.7/15.0
• Appreciation +10.0/10.0
• Cash flow +7.0/30.0
• Livability +4.1/5.0
• Rent growth +3.1/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• DSCR +1.2/10.0

Listing remarks

Under Construction-The Scottsdale. Enjoy entertaining friends & family in the generously sized living room/dining room area as everyone mingles around the quartz island in the kitchen. Take it outside to your patio & fire up the grill. There is plenty of countertop space for all the game day food in your roomy kitchen. Head upstairs to find your primary suite, complete with its own sitting area, a tray ceiling, double vanity in the bath with a separate tub & shower along with a huge walk-in closet. The other 3 bedrooms also have tray ceilings. 2 car garage. Visuals feature a similar home for inspiration. Pricing is the base starting point; final price varies based on upgra

Key facts

• Double vanity
• Tray ceiling
• Quartz island

Tags

• QUARTZ ISLAND
• PATIO
• PRIMARY SUITE
• SITTING AREA
• TRAY CEILING
• DOUBLE VANITY

Property features AI

Finance

• Other: Energy-efficient features: water heater, programmable thermostat, spray foam insulation, radiant roof barrier
• HOA & community: HOA with an annual fee of $395; Subdivision: Ashton Springs

Exterior

• Parking: Two-car garage with automatic opener
• Utilities: Public water; Public sewer; Electric service
• Home design: Single-family residence; New construction (2026); Two levels
• Construction: Built in 2026; Foam insulation construction; Slab foundation
• Exterior features: Public water; Public sewer; Sidewalks; Street lights

Interior

• Kitchen: Range; Dishwasher; Microwave; Disposal
• Bathrooms: Two full bathrooms; One half bathroom
• Heating & cooling: Central cooling (2 zones); Central heating (2 zones), electric
• Interior features: Double-pane windows; Low-flow plumbing fixtures

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $292k.

Deal economics

• At list price, monthly cash flow is $-428 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $230k (21.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (29.7% below list).
• Recommended offer: $205k (29.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Huntsville City (urban): math 21% / reading 46% proficiency, ranked #48 of 129 in AL (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Providence Elementary (math 14% / reading 42%, grade F, #385 of 627 statewide, top 62%, 848 students, 52% FRL); Williams Middle School (math 16% / reading 50%, grade F, #101 of 257 statewide, top 40%, 548 students, 58% FRL); Columbia High School (math 12% / reading 17%, grade F, #220 of 305 statewide, top 77%, 954 students, 50% FRL).
• Market conditions: Rents rising (+2.6%/yr); 216 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• In year one you build about $31k of equity ($2k loan paydown + $29k appreciation (10.0% local appreciation)).
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$50k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($287k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $205,256 (29.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.70% ✗
• Cap rate: 4.53%
• Cash-on-cash: -6.29%
• DSCR: 0.72
• GRM: 11.8

CMA / ARV

• ARV (on-the-fly): $329,935
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6233 NW Taramore Ln	0.01mi	4/2.5	2,077 (-5%)	1mo	$282,782	$136	91
6229 NW Taramore Ln #091	0.00mi	4/2.5	2,077 (-5%)	2mo	$283,832	$137	90
6221 NW Taramore Ln	0.01mi	4/2.5	2,077 (-5%)	2mo	$279,850	$135	90
6018 Taramore Ln NW	0.07mi	4/2.5	2,303 (+5%)	2mo	$332,000	$144	86
6227 Taramore Ln	0.00mi	4/2.5	1,941 (-11%)	2mo	$284,752	$147	80
7203 Chatfield Way NW	0.16mi	4/2.5	2,047 (-6%)	3mo	$290,000	$142	80
6608 Shearleaf Rd NW	0.17mi	4/3.0	2,019 (-8%)	3mo	$366,008	$181	75
6023 Barringer Ct NW	0.16mi	3/2.5 (-1)	1,950 (-11%)	2mo	$315,000	$162	68
7014 Camrose Ln NW	0.20mi	3/2.0 (-1)	1,985 (-9%)	1mo	$299,900	$151	68
7005 Nearpath Dr NW	0.15mi	4/2.0	1,884 (-14%)	2mo	$323,000	$171	67
7007 Liberty Rose Dr	0.20mi	3/3.0 (-1)	1,991 (-9%)	3mo	$331,500	$166	66
7009 Lost Creek Dr NW	0.24mi	4/2.0	1,884 (-14%)	2mo	$308,000	$163	63

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 2.57% rent growth · sell at horizon

5-year hold

• IRR: 19.7%
• Equity multiple: 2.60×
• Total profit: $130,832
• Equity at exit: $262,922

10-year hold

• IRR: 18.0%
• Equity multiple: 5.96×
• Total profit: $405,073
• Equity at exit: $567,000

Cash invested: $81,718 (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 35806

• Home prices YoY: 20.0%
• Rents YoY: 2.6%
• Active inventory: 216
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $2,053 high
• Mortgage (P&I): −$1,530
• Tax est. 1.5%: −$365 /mo · $4,378/yr
• Insurance: −$122
• HOA: −$33
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $-428

Break-even live

Break-even rent $2,595

Max offer price $229,862

Occupancy floor —

Sensitivity live

Price	-10% $-227	-5% $-328	+0% $-428	+5% $-529	+10% $-630
Rent	-10% $-591	-5% $-509	+0% $-428	+5% $-347	+10% $-266
Rate	-1.0pp $-281	-0.5pp $-354	base $-428	+0.5pp $-504	+1.0pp $-581

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: $72,962
• Closing costs: $8,756
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7102 Sutter Ct Huntsville, AL	5.0	2.5	2675	$2,395	$0.90	25d	1	0.10mi
7203 Chatfield Way NW Huntsville, AL	4.0	2.5	2047	$1,799	$0.88	45d	1	0.16mi
8223 Stone Mill Dr NW Huntsville, AL	3.0	2.5	2046	$2,300	$1.12	45d	1	0.47mi
7601 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1720	$1,720	$1.00	45d	1	0.62mi
7599 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1500	$1,720	$1.15	25d	1	0.62mi
7597 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1550	$1,800	$1.16	25d	1	0.63mi
7589 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1500	$1,720	$1.15	25d	1	0.65mi
7582 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1500	$1,720	$1.15	25d	1	0.65mi
7559 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1555	$2,450	$1.58	15d	1	0.71mi
7502 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1626	$1,825	$1.12	45d	1	0.83mi
7500 Discovery Point Dr NW Huntsville, AL	3.0	2.5	1527	$1,822	$1.19	15d	7	0.84mi
351 Lofton Rd NW Huntsville, AL	4.0	2.5	2186	$2,315	$1.06	15d	1	0.93mi
171 Kingswood Dr Huntsville, AL	4.0	2.5	2850	$2,500	$0.88	15d	1	1.11mi
41 Addison Park Dr Huntsville, AL	1.0–3.0	1.0–2.0	1155	$1,635	$1.42	15d	45	1.50mi

HOA detail

• Monthly dues: $33 · $396/yr

Listing history 12 events

1. 2026-06-22
   days on market $291,850 Active 16 DOM
2. 2026-06-18
   days on market $291,850 Active 13 DOM
3. 2026-06-17
   price $291,850 Active 12 DOM
4. 2026-06-17
   days on market $288,850 Active 12 DOM
5. 2026-06-16
   days on market $288,850 Active 11 DOM
6. 2026-06-15
   days on market $288,850 Active 10 DOM
7. 2026-06-14
   days on market $288,850 Active 8 DOM
8. 2026-06-10
   days on market $288,850 Active 5 DOM
9. 2026-06-09
   days on market $288,850 Active 4 DOM
10. 2026-06-08
    days on market $288,850 Active 3 DOM
11. 2026-06-07
    remarks 687-char remark
12. 2026-06-07
    listed $288,850 Active 2 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,631
• − Mortgage interest: −$16,348
• − Property taxes: −$4,378
• − Insurance: −$1,459
• − Repairs & maintenance: −$1,970
• − Management: −$1,970
• − HOA: −$396
• − Depreciation: −$8,490
• Taxable loss: −$10,382
• Est. tax savings @ 24.0%: +$2,492
• After-tax cash flow: $-2,649/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: Huntsville City
• NCES district ID: 0101800
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 46% ▬ 0.00%
• Median HH income: $48,264
• Composite: 28.84/100
• National rank: #6647
• State rank: #48 of 129 in AL

Livability — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, AL
• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 29,161
• Household income: $86,768
• Rent vs Own: 54.2% rent · 45.8% own
• Severe rent burden: 1249.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 392,086 people
• By 2030: 409,788 · +4.5%
• By 2040: 440,557 · +12.4%
• By 2050: 460,990 · +17.6%
• By 2075: 502,872 · +28.3%
• By 2100: 513,623 · +31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 58% Black 30% Hispanic / Latino 5% Two or more races 5% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Slovak 2% Italian 2% Serbian 2%
• Foreign-born: 7% · Canada, Vietnam, China
• Languages at home: 93% English-only · Spanish 2% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Madison

• 2024 margin: Lean R (+9.0) · D 44.7% · R 53.7% · Other 1.6%
• 2008→2024 swing: +6.0pp toward D · 2008: -14.9pp · 2024: -9.0pp
• All cycles: 2024: R+9.0 2020: R+8.0 2016: R+16.8 2012: R+18.7 2008: R+14.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 71.67%
• Current HPI: 430.5866
• Rent YoY: ▲ 2.57%
• Metro: Huntsville, 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

• 2026-06-05 Listed $288,850 VMLS