9376 Maple Ridge Dr · Saraland, AL 36571

$219,000

3 bd · 1.5 ba · 1,328 sqft · SingleFamily public records · 76 Days on market

Built 1974 0.46 ac lot $165/sqft · 16% below area Est $277k · 21% under

---

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 +15.0/15.0
• Cash flow +10.0/30.0
• Schools +5.3/10.0
• Livability +3.4/5.0
• DSCR +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Adorable 3-bedroom 2-bathroom home with a little over 1,400 sq ft. This home sits on a large lot with a nicely sized living room, large kitchen with beautiful wood cabinets. Small dining room off the kitchen. Nice sized bedrooms. Large backyard with small shed. Located in Saraland School District and minutes from Highway 43, I-65, shopping and restaurants. Come see what all this home has to offer! All measurements are approximate and not guaranteed. All items deemed important are to be verified by the buyers and/or buyer's agent.

Key facts

• 0.46 acre lot
• Built 1974
• Listed 76 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $219k.

Deal economics

• At list price, monthly cash flow is $-134 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $195k (10.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $146k (33.3% below list).
• Recommended offer: $146k (33.3% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 3.9% in Saraland — 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 68/100 on livability (#72 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, health & safety F.
• Saraland City (suburban): math 53% / reading 71% proficiency, ranked #6 of 129 in AL (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: North Mobile County Middle School (math 6% / reading 38%, grade F, #442 of 627 statewide, top 72%, 452 students, 70% FRL); Saraland Middle Schooladams Campus (math 44% / reading 71%, grade B, #13 of 257 statewide, top 5%, 759 students, 48% FRL); Citronelle High School (math 8% / reading 8%, grade F, #261 of 305 statewide, top 87%, 719 students, 70% FRL) — zoned schools average 62% FRL vs 43% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 29% at this address vs 62% district-wide (-33 pts) — the specific schools serving this property underperform the Saraland City average; the district grade overstates school quality for this exact location.
• Market conditions: 173 active listings in the ZIP; 1,678 units permitted in Mobile County in 2024 (264 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.
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($206k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major 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 $146,018 (33.3% 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. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
3. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 0.67% ✗
• Cap rate: 5.56%
• Cash-on-cash: -2.62%
• DSCR: 0.88
• GRM: 12.5

CMA / ARV

• ARV (median comp): $276,533
• List price: $219,000
• Delta: -20.81%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -20.7%
• Equity multiple: 0.28×
• Total profit: $-44,135
• Equity at exit: $32,654

10-year hold

• IRR: -14.2%
• Equity multiple: 0.19×
• Total profit: $-49,890
• Equity at exit: $18,935

Cash invested: $61,320 (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 36571

• Home prices YoY: -13.1%
• Active inventory: 173
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $1,460 medium
• Mortgage (P&I): −$1,148
• Tax from tax record: −$48 /mo · $573/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $-134

Break-even live

Break-even rent $1,630

Max offer price $195,340

Occupancy floor —

Sensitivity live

Price	-10% $-10	-5% $-72	+0% $-134	+5% $-196	+10% $-258
Rent	-10% $-249	-5% $-192	+0% $-134	+5% $-76	+10% $-19
Rate	-1.0pp $-24	-0.5pp $-78	base $-134	+0.5pp $-191	+1.0pp $-248

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: $54,750
• Closing costs: $6,570
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-21
   days on market $219,000 Active 76 DOM
2. 2026-06-18
   days on market $219,000 Active 73 DOM
3. 2026-06-17
   days on market $219,000 Active 72 DOM
4. 2026-06-16
   days on market $219,000 Active 71 DOM
5. 2026-06-15
   days on market $219,000 Active 70 DOM
6. 2026-06-14
   days on market $219,000 Active 68 DOM
7. 2026-06-13
   days on market $219,000 Active 67 DOM
8. 2026-06-10
   days on market $219,000 Active 65 DOM
9. 2026-06-09
   days on market $219,000 Active 64 DOM
10. 2026-06-08
    days on market $219,000 Active 63 DOM
11. 2026-06-07
    days on market $219,000 Active 62 DOM
12. 2026-06-03
    days on market $219,000 Active 58 DOM
13. 2026-06-02
    days on market $219,000 Active 57 DOM
14. 2026-06-01
    days on market $219,000 Active 56 DOM
15. 2026-05-31
    days on market $219,000 Active 55 DOM
16. 2026-05-30
    days on market $219,000 Active 54 DOM
17. 2026-04-06
    listed $219,000 Active 535-char remark

    Show marketing remark (535 chars)

    Adorable 3-bedroom 2-bathroom home with a little over 1,400 sq ft. This home sits on a large lot with a nicely sized living room, large kitchen with beautiful wood cabinets. Small dining room off the kitchen. Nice sized bedrooms. Large backyard with small shed. Located in Saraland School District and minutes from Highway 43, I-65, shopping and restaurants. Come see what all this home has to offer! All measurements are approximate and not guaranteed. All items deemed important are to be verified by the buyers and/or buyer's agent.

18. 2026-03-26
    historical $219,000 535-char remark

    Show marketing remark (535 chars)

    Adorable 3-bedroom 2-bathroom home with a little over 1,400 sq ft. This home sits on a large lot with a nicely sized living room, large kitchen with beautiful wood cabinets. Small dining room off the kitchen. Nice sized bedrooms. Large backyard with small shed. Located in Saraland School District and minutes from Highway 43, I-65, shopping and restaurants. Come see what all this home has to offer! All measurements are approximate and not guaranteed. All items deemed important are to be verified by the buyers and/or buyer's agent.

19. 2025-10-27
    price $214,900

ⓘ 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: $573 · $48/mo
• Projected year-2 tax: $898 · $75/mo
• Expected delta: +$325/yr (+$27/mo · 56.6%)

ⓘ 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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,522
• − Mortgage interest: −$12,267
• − Property taxes: −$573
• − Insurance: −$1,095
• − Repairs & maintenance: −$1,402
• − Management: −$1,402
• − Depreciation: −$6,371
• Taxable loss: −$5,588
• Est. tax savings @ 24.0%: +$1,341
• After-tax cash flow: $-266/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: Saraland City
• NCES district ID: 0100185
• Math proficiency: 53% ▼ -16.00%
• Reading proficiency: 71% ▲ 7.00%
• Median HH income: $51,173
• Composite: 52.78/100
• National rank: #1539
• State rank: #6 of 129 in AL

Livability — Saraland

• Score: 68/100
• State rank: #72
• US rank: #9880

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Saraland, AL
• County: Mobile County · 246,577 people
• City population: 17,143
• Metro: Mobile, AL
• Population (ZIP): 17,143
• Household income: $62,047
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 432.0

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 16% Two or more races 3%
• Common ancestry: Italian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 1% · China

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -37.39%
• Current HPI: 247.8527
• Rent YoY: —
• Metro: Mobile, 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

+1.9% since first listed

3 events — show timeline

• 2026-04-06 Listed $219,000 GCMLS AL
• 2026-03-26 Coming Soon $219,000 GCMLS AL
• 2025-10-27 Price Changed $214,900 GCMLS AL

Property tax history

+5.4%/yr

Latest (2025): $573 · +7.8% YoY. Source: county tax records.