820 Hawthorn Ln · Odenville, AL 35120

$225,000

3 bd · 1.0 ba · 1,419 sqft · SingleFamily public records · 158 Days on market

Built 2014 5,227 sqft lot Est $247k · 9% under

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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).

• Cash flow +14.5/30.0
• ARV discount +11.5/15.0
• DSCR +4.4/10.0
• Livability +3.4/5.0
• Schools +3.2/10.0
• 1% rule +2.7/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

* This home is Eligible for USDA's 100% Financing! Check with your lender TODAY! * This ADORABLY decorated home will have you in awe! At 3BD, 2BA, this 1,400+- sq ft home has EVERYTHING you need to function and enjoy life without all the extra time and effort! The lovely community of Beaver Creek in Odenville is perfectly laid out for convenience and access to Pell City, downtown Odenville or quick hop to Moody and the interstate! The dark rich hardwoods are an ease for cleanup and the bedrooms have cushy comfy carpet for those bare feet! The kitchen boasts a stainless kitchen appliance suite that will come with the home for an acceptable offer! Wanna entertain? We got you, so saunter out back and enjoy your covered patio and avoid this insane heat! The fully fenced back yard is ideal for privacy, pets, kids, you name it! Also included off the side of the back yard is a functional garden area! Come see and make this YOUR HOME! Remember, this home could be yours for $0 down payment!

Key facts

• Spacious living area
• Eat-in kitchen
• 5,227 sq ft lot

Tags

• SPACIOUS LIVING AREA
• EAT-IN KITCHEN
• LARGE FENCED-IN BACKYARD
• EASY ACCESS TO AMENITIES

Property features AI

Finance

• Other: Located in the Cottages at Beaver Creek subdivision; Not in a flood plain; Approximately 0.12 acres
• Financial info: Has down payment assistance; Garbage fee charged quarterly ($50); Fire fee included

Exterior

• Parking: Driveway parking
• Utilities: Public water; Connected sewer; Electric water heater; Internet available (Windstream, Charter)
• Home design: Existing construction; Single-story living areas (main level rooms listed); Vinyl siding
• Construction: Slab foundation
• Exterior features: Fenced yard; Open patio; Garden/patio area

Interior

• Kitchen: Laminate countertops; Dishwasher (built-in); Built-in microwave; Refrigerator; Electric stove
• Bedrooms: Master bedroom on main level with walk-in closets
• Flooring: Carpet; Hardwood laminate; Vinyl
• Bathrooms: Two full bathrooms; Master bathroom with separate shower and separate vanities; Tub/shower combination in bathroom(s)
• Heating & cooling: Central heating (electric); Central cooling (electric)
• Interior features: Smooth ceilings; Attic with pull-down access; Has laundry; No special interior features listed
• Laundry & utility: Laundry room on main level; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $48 ($577/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $172k (23.4% below list).
• Recommended offer: $172k (23.4% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 4.7% in Odenville — 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 67/100 on livability (#80 in AL) — a middle-class / working-renter tenant base. Strengths: employment 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: Odenville Elementary School (436 students, 67% FRL); Odenville Middle School (math 7% / reading 51%, grade F, #134 of 257 statewide, top 53%, 570 students, 67% FRL); Saint Clair County High School (math 17% / reading 22%, grade F, #169 of 305 statewide, top 59%, 622 students, 58% FRL) — zoned schools average 64% FRL vs 41% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 24% at this address vs 36% district-wide (-12 pts) — the specific schools serving this property underperform the St Clair County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 299 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 12d on market — plan ~1-2 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 $2k of loan paydown is wiped out by about $7k 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.

Negotiation context

• It's been on market 158 days — a 12% lower offer ($198k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago 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.
• Current owner paid $158k; 42% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 8→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $172,271 (23.4% below list)

Questions for the listing agent

1. It's been on market 158 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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: 0.77% ✗
• Cap rate: 6.55%
• Cash-on-cash: 0.92%
• DSCR: 1.04
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $246,906
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1110 Shaggy Bark Ln	0.08mi	3/2.0	1,376 (-3%)	6mo	$244,900	$178	82
1120 Shaggy Bark Ln	0.08mi	3/2.0	1,376 (-3%)	6mo	$229,900	$167	82
1350 Long Leaf Ln	0.12mi	3/2.0	1,376 (-3%)	6mo	$219,900	$160	80
1645 Birch Bark Ln	0.19mi	4/2.0 (+1)	1,444 (+2%)	2mo	$259,900	$180	78
477 Savannah St	0.18mi	4/2.0 (+1)	1,459 (+3%)	2mo	$227,000	$156	76
225 River Birch Ln	0.22mi	3/2.0	1,376 (-3%)	6mo	$239,900	$174	76
65 Jonathan Dr	0.16mi	4/2.0 (+1)	1,459 (+3%)	6mo	$216,500	$148	74
1650 Birch Bark Ln	0.17mi	4/2.0 (+1)	1,497 (+6%)	5mo	$259,900	$174	70
1630 Birch Bark Ln	0.16mi	3/2.0	1,281 (-10%)	3mo	$232,900	$182	70
1655 Birch Bark Ln	0.19mi	3/2.0	1,272 (-10%)	4mo	$244,900	$193	66
1505 Long Leaf Ln	0.16mi	4/2.5 (+1)	1,613 (+14%)	6mo	$249,350	$155	54
71 Forman Farm Rd	0.41mi	3/2.0	1,612 (+14%)	4mo	$289,900	$180	50

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: -17.3%
• Equity multiple: 0.40×
• Total profit: $-37,765
• Equity at exit: $33,548

10-year hold

• IRR: -14.0%
• Equity multiple: 0.27×
• Total profit: $-46,005
• Equity at exit: $19,454

Cash invested: $63,000 (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: 299
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $1,723 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$39 /mo · $470/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$362
• Net cashflow: $48

Break-even live

Break-even rent $1,662

Max offer price $225,000

Occupancy floor 92%

Sensitivity live

Price	-10% $175	-5% $112	+0% $48	+5% $-272	+10% $-349
Rent	-10% $-88	-5% $-20	+0% $48	+5% $116	+10% $184
Rate	-1.0pp $161	-0.5pp $105	base $48	+0.5pp $-10	+1.0pp $-70

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
810 Hawthorn Ln Odenville, AL	3.0	2.0	1500	$1,381	$0.92	12d	1	0.04mi
270 Morning Mist Ln Odenville, AL	3.0	2.0	1444	$1,695	$1.17	3d	1	0.04mi
265 Morning Mist Ln Odenville, AL	3.0	2.0	1586	$1,225	$0.77	23d	1	0.07mi
940 Hawthorn Ln Odenville, AL	4.0	2.5	1821	$1,815	$1.00	23d	1	0.07mi
21 Porter Pl Odenville, AL	3.0	2.5	1689	$1,595	$0.94	21d	1	0.13mi
49 River Birch Ln Odenville, AL	4.0	2.0	1238	$1,723	$1.39	3d	1	0.15mi
9759 Highway 174 Unit 108 Odenville, AL	2.0	1.0	875	$915	$1.05	3d	1	0.67mi

Listing history 24 events

1. 2026-06-22
   days on market $225,000 Active 158 DOM
2. 2026-06-18
   days on market $225,000 Active 155 DOM
3. 2026-06-17
   days on market $225,000 Active 154 DOM
4. 2026-06-16
   days on market $225,000 Active 153 DOM
5. 2026-06-15
   days on market $225,000 Active 152 DOM
6. 2026-06-13
   days on market $225,000 Active 150 DOM
7. 2026-06-10
   days on market $225,000 Active 147 DOM
8. 2026-06-09
   days on market $225,000 Active 146 DOM
9. 2026-06-08
   days on market $225,000 Active 145 DOM
10. 2026-06-07
    days on market $225,000 Active 144 DOM
11. 2026-06-03
    days on market $225,000 Active 140 DOM
12. 2026-06-02
    days on market $225,000 Active 139 DOM
13. 2026-06-01
    days on market $225,000 Active 138 DOM
14. 2026-05-31
    days on market $225,000 Active 137 DOM
15. 2026-01-13
    listed $225,000 Active
16. 2019-07-11
    soldstatus $157,900
17. 2019-06-28
    soldstatus $157,000 Sold 998-char remark

    Show marketing remark (998 chars)

    * This home is Eligible for USDA's 100% Financing! Check with your lender TODAY! * This ADORABLY decorated home will have you in awe! At 3BD, 2BA, this 1,400+- sq ft home has EVERYTHING you need to function and enjoy life without all the extra time and effort! The lovely community of Beaver Creek in Odenville is perfectly laid out for convenience and access to Pell City, downtown Odenville or quick hop to Moody and the interstate! The dark rich hardwoods are an ease for cleanup and the bedrooms have cushy comfy carpet for those bare feet! The kitchen boasts a stainless kitchen appliance suite that will come with the home for an acceptable offer! Wanna entertain? We got you, so saunter out back and enjoy your covered patio and avoid this insane heat! The fully fenced back yard is ideal for privacy, pets, kids, you name it! Also included off the side of the back yard is a functional garden area! Come see and make this YOUR HOME! Remember, this home could be yours for $0 down payment!

18. 2019-06-07
    historical Contingent 998-char remark

    Show marketing remark (998 chars)

    * This home is Eligible for USDA's 100% Financing! Check with your lender TODAY! * This ADORABLY decorated home will have you in awe! At 3BD, 2BA, this 1,400+- sq ft home has EVERYTHING you need to function and enjoy life without all the extra time and effort! The lovely community of Beaver Creek in Odenville is perfectly laid out for convenience and access to Pell City, downtown Odenville or quick hop to Moody and the interstate! The dark rich hardwoods are an ease for cleanup and the bedrooms have cushy comfy carpet for those bare feet! The kitchen boasts a stainless kitchen appliance suite that will come with the home for an acceptable offer! Wanna entertain? We got you, so saunter out back and enjoy your covered patio and avoid this insane heat! The fully fenced back yard is ideal for privacy, pets, kids, you name it! Also included off the side of the back yard is a functional garden area! Come see and make this YOUR HOME! Remember, this home could be yours for $0 down payment!

19. 2019-05-28
    listed $159,900 Active 998-char remark

    Show marketing remark (998 chars)

    * This home is Eligible for USDA's 100% Financing! Check with your lender TODAY! * This ADORABLY decorated home will have you in awe! At 3BD, 2BA, this 1,400+- sq ft home has EVERYTHING you need to function and enjoy life without all the extra time and effort! The lovely community of Beaver Creek in Odenville is perfectly laid out for convenience and access to Pell City, downtown Odenville or quick hop to Moody and the interstate! The dark rich hardwoods are an ease for cleanup and the bedrooms have cushy comfy carpet for those bare feet! The kitchen boasts a stainless kitchen appliance suite that will come with the home for an acceptable offer! Wanna entertain? We got you, so saunter out back and enjoy your covered patio and avoid this insane heat! The fully fenced back yard is ideal for privacy, pets, kids, you name it! Also included off the side of the back yard is a functional garden area! Come see and make this YOUR HOME! Remember, this home could be yours for $0 down payment!

20. 2015-07-29
    soldstatus $117,000 254-char remark

    Show marketing remark (254 chars)

    Welcome to your Cottage! This home features an Open Floor Plan ~ Covered Porch ~ Beautiful Bone Color Kitchen Cabinets ~ Hardwood Flooring ~ Nice Carpet in the Bedrooms ~ Arched Openings ~ Architectural Details ~ Cedar Post ~ Cottage Living at it's BEST!

21. 2015-06-10
    historical 254-char remark

    Show marketing remark (254 chars)

    Welcome to your Cottage! This home features an Open Floor Plan ~ Covered Porch ~ Beautiful Bone Color Kitchen Cabinets ~ Hardwood Flooring ~ Nice Carpet in the Bedrooms ~ Arched Openings ~ Architectural Details ~ Cedar Post ~ Cottage Living at it's BEST!

22. 2014-08-29
    listed $118,900 254-char remark

    Show marketing remark (254 chars)

    Welcome to your Cottage! This home features an Open Floor Plan ~ Covered Porch ~ Beautiful Bone Color Kitchen Cabinets ~ Hardwood Flooring ~ Nice Carpet in the Bedrooms ~ Arched Openings ~ Architectural Details ~ Cedar Post ~ Cottage Living at it's BEST!

23. 2011-09-02
    soldstatus $189,000
24. 2010-07-23
    soldstatus $720,000

ⓘ 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: $470 · $39/mo
• Projected year-2 tax: $923 · $77/mo
• Expected delta: +$452/yr (+$38/mo · 96.1%)

ⓘ 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 6/10 Major
• 🌡 Heat 7/10 Severe 8 d/yr ≥105°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,673
• − Mortgage interest: −$12,603
• − Property taxes: −$470
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,654
• − Management: −$1,654
• − Depreciation: −$6,545
• Taxable loss: −$3,379
• Est. tax savings @ 24.0%: +$811
• After-tax cash flow: $1,388/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 — Odenville

• Score: 67/100
• State rank: #80
• US rank: #10630

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Odenville, AL
• County: Saint Clair County · 54,404 people
• City population: 17,730
• 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

-68.8% since first listed

10 events — show timeline

• 2026-01-13 Listed $225,000 Greater Alabama MLS
• 2019-07-11 Sold (Public Records) $157,900 Public Records
• 2019-06-28 Sold (MLS) $157,000 Greater Alabama MLS
• 2019-06-07 Contingent — Greater Alabama MLS
• 2019-05-28 Listed $159,900 Greater Alabama MLS
• 2015-07-29 Sold (MLS) $117,000 Greater Alabama MLS
• 2015-06-10 Delisted — Greater Alabama MLS
• 2014-08-29 Listed $118,900 Greater Alabama MLS
• 2011-09-02 Sold (Public Records) $189,000 Public Records
• 2010-07-23 Sold (Public Records) $720,000 Public Records

Property tax history

+16.7%/yr

Latest (2025): $470 · +1.6% YoY. Source: county tax records.