5373 Old Scott Rd · Susan Moore, AL 35031

$109,900

2 bd · 1.0 ba · 1,256 sqft · SingleFamily public records · 36 Days on market

Built 1970 0.40 ac lot

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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 +16.2/30.0
• ARV discount +7.5/15.0
• DSCR +5.0/10.0
• 1% rule +3.2/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for an Adorable starter home? You found IT! This Charming 2 bedroom 2 Bath has been Remodeled on the inside and out! Large Deck great for entertaining or taking in the quiet country setting! Brand new fencing behind the home to make a great spot for family time, or relaxing around the fire pit. Outdoor Buildings on the Property! Home includes ALL Brand New appliances including W/ D

Key facts

• Big laundry
• Relaxing deck
• Eat-in kitchen

Tags

• RELAXING DECK
• BIG LAUNDRY
• EAT-IN KITCHEN
• GOOD-SIZE FAMILY ROOM

Property features AI

Finance

• HOA & community: No HOA; Subdivision: Metes And Bounds

Exterior

• Parking: Gravel driveway
• Utilities: Public water; Septic sewer
• Home design: Single-family residence; Built in 1970; Frame construction
• Construction: Frame construction; Built in 1970
• Exterior features: Approximately 0.4-acre lot; Public water; Septic tank

Interior

• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Crawl space basement; One level

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $58 ($700/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 $90k (18.1% below list).
• Recommended offer: $90k (18.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#181 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: employment D+, amenities F, commute F.
• Blount County (rural): math 20% / reading 45% proficiency, ranked #54 of 129 in AL (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Blountsville Elementary School (math 22% / reading 46%, grade F, #311 of 627 statewide, top 50%, 658 students, 71% FRL); Hayden Middle School (math 28% / reading 51%, grade F, #61 of 257 statewide, top 24%, 550 students, 44% FRL); Jb Pennington High School (math 15% / reading 41%, grade F, #87 of 305 statewide, top 29%, 519 students, 65% FRL).
• Market conditions: 44 active listings in the ZIP; 13 units permitted in Blount County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $760 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Blount 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 36 days — a 3% lower offer ($107k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $22k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 26% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $89,956 (18.1% below list)

Questions for the listing agent

1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — 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 F-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: 0.82% ✗
• Cap rate: 6.93%
• Cash-on-cash: 2.28%
• DSCR: 1.10
• GRM: 10.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -12.7%
• Equity multiple: 0.54×
• Total profit: $-14,143
• Equity at exit: $16,386

10-year hold

• IRR: -3.8%
• Equity multiple: 0.75×
• Total profit: $-7,741
• Equity at exit: $9,502

Cash invested: $30,772 (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 35031

• Home prices YoY: -5.7%
• Active inventory: 44
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $900 medium
• Mortgage (P&I): −$576
• Tax from tax record: −$30 /mo · $362/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$189
• Net cashflow: $58

Break-even live

Break-even rent $826

Max offer price $109,900

Occupancy floor 89%

Sensitivity live

Price	-10% $121	-5% $89	+0% $58	+5% $27	+10% $-4
Rent	-10% $-13	-5% $23	+0% $58	+5% $94	+10% $129
Rate	-1.0pp $114	-0.5pp $86	base $58	+0.5pp $30	+1.0pp $1

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-21
   days on market $109,900 Active 36 DOM
2. 2026-06-18
   days on market $109,900 Active 33 DOM
3. 2026-06-17
   days on market $109,900 Active 32 DOM
4. 2026-06-16
   days on market $109,900 Active 31 DOM
5. 2026-06-15
   pricedays on market $109,900 Active 30 DOM
6. 2026-06-13
   days on market $131,500 Active 28 DOM
7. 2026-06-10
   days on market $131,500 Active 25 DOM
8. 2026-06-09
   days on market $131,500 Active 24 DOM
9. 2026-06-08
   days on market $131,500 Active 23 DOM
10. 2026-06-07
    days on market $131,500 Active 22 DOM
11. 2026-06-05
    days on market $131,500 Active 19 DOM
12. 2026-06-03
    days on market $131,500 Active 18 DOM
13. 2026-06-02
    days on market $131,500 Active 17 DOM
14. 2026-06-01
    days on market $131,500 Active 16 DOM
15. 2026-05-31
    days on market $131,500 Active 15 DOM
16. 2026-05-16
    listed $131,500 Active
17. 2023-08-02
    soldstatus $168,000
18. 2023-07-31
    soldstatus $163,000 392-char remark

    Show marketing remark (392 chars)

    Looking for an Adorable starter home? You found IT! This Charming 2 bedroom 2 Bath has been Remodeled on the inside and out! Large Deck great for entertaining or taking in the quiet country setting! Brand new fencing behind the home to make a great spot for family time, or relaxing around the fire pit. Outdoor Buildings on the Property! Home includes ALL Brand New appliances including W/ D

19. 2023-06-24
    listed $169,900 392-char remark

    Show marketing remark (392 chars)

    Looking for an Adorable starter home? You found IT! This Charming 2 bedroom 2 Bath has been Remodeled on the inside and out! Large Deck great for entertaining or taking in the quiet country setting! Brand new fencing behind the home to make a great spot for family time, or relaxing around the fire pit. Outdoor Buildings on the Property! Home includes ALL Brand New appliances including W/ D

20. 2022-03-22
    soldstatus $145,000
21. 2022-03-04
    soldstatus $145,000 Sold 639-char remark

    Show marketing remark (639 chars)

    STOP what you are doing and check out this ADORABLE starter home PERFECT for anyone looking to downsize or a first-time home buyer! This charming 2 bedroom 2 bath home has been recently remodeled and is ready for new owners! This home has a HUGE deck perfect for entertaining or just sitting out enjoying life in the county. You will love the cute and quaint kitchen and the large living room with a trendy wooden accent wall. This home could easily be converted into a 3 bedroom home! The home has a large yard and small barn out back and storage building! Priced to sell and ready for new owners! Come say "yes" to the address!

22. 2022-02-02
    price $145,000 639-char remark

    Show marketing remark (639 chars)

    STOP what you are doing and check out this ADORABLE starter home PERFECT for anyone looking to downsize or a first-time home buyer! This charming 2 bedroom 2 bath home has been recently remodeled and is ready for new owners! This home has a HUGE deck perfect for entertaining or just sitting out enjoying life in the county. You will love the cute and quaint kitchen and the large living room with a trendy wooden accent wall. This home could easily be converted into a 3 bedroom home! The home has a large yard and small barn out back and storage building! Priced to sell and ready for new owners! Come say "yes" to the address!

23. 2022-01-28
    historical Contingent 639-char remark

    Show marketing remark (639 chars)

    STOP what you are doing and check out this ADORABLE starter home PERFECT for anyone looking to downsize or a first-time home buyer! This charming 2 bedroom 2 bath home has been recently remodeled and is ready for new owners! This home has a HUGE deck perfect for entertaining or just sitting out enjoying life in the county. You will love the cute and quaint kitchen and the large living room with a trendy wooden accent wall. This home could easily be converted into a 3 bedroom home! The home has a large yard and small barn out back and storage building! Priced to sell and ready for new owners! Come say "yes" to the address!

24. 2022-01-25
    listed $135,000 Active 639-char remark

    Show marketing remark (639 chars)

    STOP what you are doing and check out this ADORABLE starter home PERFECT for anyone looking to downsize or a first-time home buyer! This charming 2 bedroom 2 bath home has been recently remodeled and is ready for new owners! This home has a HUGE deck perfect for entertaining or just sitting out enjoying life in the county. You will love the cute and quaint kitchen and the large living room with a trendy wooden accent wall. This home could easily be converted into a 3 bedroom home! The home has a large yard and small barn out back and storage building! Priced to sell and ready for new owners! Come say "yes" to the address!

25. 2007-12-21
    soldstatus $51,500

ⓘ 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: $362 · $30/mo
• Projected year-2 tax: $451 · $38/mo
• Expected delta: +$89/yr (+$7/mo · 24.5%)

ⓘ 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 ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 26% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,795
• − Mortgage interest: −$6,156
• − Property taxes: −$362
• − Insurance: −$550
• − Repairs & maintenance: −$864
• − Management: −$864
• − Depreciation: −$3,197
• Taxable loss: −$1,197
• Est. tax savings @ 24.0%: +$287
• After-tax cash flow: $988/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: Blount County
• NCES district ID: 0100420
• Math proficiency: 20% ▼ -25.00%
• Reading proficiency: 45% ▼ -1.00%
• Median HH income: $45,961
• Composite: 27.79/100
• National rank: #6891
• State rank: #54 of 129 in AL

Livability — Susan Moore

• Score: 63/100
• State rank: #181
• US rank: #15269

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 7,937

Population outlook (Blount County) Hauer SSP2

• Today (2025): 57,983 people
• By 2030: 57,405 · -1.0%
• By 2040: 55,602 · -4.1%
• By 2050: 53,393 · -7.9%
• By 2075: 48,248 · -16.8%
• By 2100: 44,190 · -23.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 17% Two or more races 8% Native American 2% Black 1%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Slovak 3% Lithuanian 2% Iranian 1%
• Foreign-born: 7% · Canada
• Languages at home: 85% English-only · Spanish 15%

Political lean MEDSL · Blount

• 2024 margin: Solid R (+81.0) · D 9.2% · R 90.2%
• 2008→2024 swing: -11.5pp toward R · 2008: -69.5pp · 2024: -81.0pp
• All cycles: 2024: R+81.0 2020: R+80.0 2016: R+81.4 2012: R+74.1 2008: R+69.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -13.41%
• Current HPI: 221.23
• Rent YoY: —
• Metro: —
• 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

+113.4% since first listed

11 events — show timeline

• 2026-06-13 Price Changed $109,900 VMLS
• 2026-05-16 Listed $131,500 VMLS
• 2023-08-02 Sold (Public Records) $168,000 Public Records
• 2023-07-31 Sold (MLS) $163,000 Walker County Area MLS
• 2023-06-24 Listed $169,900 Walker County Area MLS
• 2022-03-22 Sold (Public Records) $145,000 Public Records
• 2022-03-04 Sold (MLS) $145,000 Greater Alabama MLS
• 2022-02-02 Price Changed $145,000 Greater Alabama MLS
• 2022-01-28 Contingent — Greater Alabama MLS
• 2022-01-25 Listed $135,000 Greater Alabama MLS
• 2007-12-21 Sold (Public Records) $51,500 Public Records

Property tax history

+3.1%/yr

Latest (2025): $362 · +8.2% YoY. Source: county tax records.