100 Ridgewood Ln · Eufaula, AL 36027

$99,900

4 bd · 4.0 ba · 1,964 sqft · SingleFamily public records · 81 Days on market

Built 1977 1.00 ac lot $51/sqft · 46% below area ↓ 10% 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 +23.5/30.0
• DSCR +7.6/10.0
• ARV discount +7.5/15.0
• 1% rule +7.0/10.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This Contemporary home offers solid potential with its functional layout and spacious lot. This four-bedroom, four-bathroom home presents a compelling investment opportunity with solid structural foundations. The property offers considerable potential for customization and value enhancement through thoughtful updates. With multiple bathrooms and generous bedroom count, the home provides flexibility for various living arrangements or rental income possibilities. The established neighborhood location adds to the property's long-term investment appeal. Schedule your showing today to experience this contemporary home's potential firsthand. This is a Fannie Mae HomePath property. First Time Buyers, complete the HomePath Ready Buyer homeownership course on Homepath.com. Attach certificate to offer up to 3% closing cost assistance. Check HomePath.com for more details. Restrictions apply.

Key facts

• 1 acre lot
• 2 garage spots
• Built 1977

What this means for you Summary

Snapshot

• This is a 4-bed/4.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $187 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $94k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 3.4% in Eufaula — 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 51/100 on livability (#508 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: schools F, crime F, amenities F.
• Eufaula City (rural): math 10% / reading 38% proficiency, ranked #100 of 129 in AL (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 211 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 34 units permitted in Barbour County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Barbour County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 81 days — a 6% lower offer ($94k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $93,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 81 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.20% ✓
• Cap rate: 8.54%
• Cash-on-cash: 8.04%
• DSCR: 1.36
• GRM: 6.9

CMA / ARV

• ARV (median comp): $268,584
• List price: $99,900
• Delta: -62.80%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
540 Holly Dr	0.57mi	3/2.0 (-1)	1,941 (-1%)	11mo	$164,500	$85	49
323 Azalea Dr	0.39mi	3/2.0 (-1)	1,804 (-8%)	16mo	$195,000	$108	42
512 Holly Dr	0.70mi	3/1.5 (-1)	1,800 (-8%)	5mo	$119,000	$66	34

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: -4.0%
• Equity multiple: 0.85×
• Total profit: $-4,197
• Equity at exit: $14,895

10-year hold

• IRR: 5.7%
• Equity multiple: 1.43×
• Total profit: $11,955
• Equity at exit: $8,638

Cash invested: $27,972 (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 36027

• Home prices YoY: -27.1%
• Active inventory: 211
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,200 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$195 /mo · $2,342/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $187

Break-even live

Break-even rent $963

Max offer price $99,900

Occupancy floor 79%

Sensitivity live

Price	-10% $244	-5% $216	+0% $187	+5% $159	+10% $131
Rent	-10% $93	-5% $140	+0% $187	+5% $235	+10% $282
Rate	-1.0pp $238	-0.5pp $213	base $187	+0.5pp $161	+1.0pp $135

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
416 W Washington St Eufaula, AL	3.0	2.0	1452	$1,200	$0.83	21d	1	0.96mi

Listing history 18 events

1. 2026-06-19
   days on market $99,900 Active 81 DOM
2. 2026-06-18
   days on market $99,900 Active 80 DOM
3. 2026-06-17
   days on market $99,900 Active 79 DOM
4. 2026-06-16
   days on market $99,900 Active 78 DOM
5. 2026-06-15
   days on market $99,900 Active 77 DOM
6. 2026-06-14
   days on market $99,900 Active 75 DOM
7. 2026-06-12
   days on market $99,900 Active 74 DOM
8. 2026-06-09
   days on market $99,900 Active 71 DOM
9. 2026-06-08
   days on market $99,900 Active 70 DOM
10. 2026-06-07
    days on market $99,900 Active 69 DOM
11. 2026-06-07
    days on market $99,900 Active 68 DOM
12. 2026-06-04
    pricedays on market $99,900 Active 65 DOM
13. 2026-06-02
    days on market $107,500 Active 64 DOM
14. 2026-06-01
    days on market $107,500 Active 63 DOM
15. 2026-05-31
    days on market $107,500 Active 62 DOM
16. 2026-05-31
    days on market $107,500 Active 61 DOM
17. 2026-04-25
    price $107,500 893-char remark

    Show marketing remark (893 chars)

    This Contemporary home offers solid potential with its functional layout and spacious lot. This four-bedroom, four-bathroom home presents a compelling investment opportunity with solid structural foundations. The property offers considerable potential for customization and value enhancement through thoughtful updates. With multiple bathrooms and generous bedroom count, the home provides flexibility for various living arrangements or rental income possibilities. The established neighborhood location adds to the property's long-term investment appeal. Schedule your showing today to experience this contemporary home's potential firsthand. This is a Fannie Mae HomePath property. First Time Buyers, complete the HomePath Ready Buyer homeownership course on Homepath.com. Attach certificate to offer up to 3% closing cost assistance. Check HomePath.com for more details. Restrictions apply.

18. 2026-03-30
    listed $120,000 Active 893-char remark

    Show marketing remark (893 chars)

    This Contemporary home offers solid potential with its functional layout and spacious lot. This four-bedroom, four-bathroom home presents a compelling investment opportunity with solid structural foundations. The property offers considerable potential for customization and value enhancement through thoughtful updates. With multiple bathrooms and generous bedroom count, the home provides flexibility for various living arrangements or rental income possibilities. The established neighborhood location adds to the property's long-term investment appeal. Schedule your showing today to experience this contemporary home's potential firsthand. This is a Fannie Mae HomePath property. First Time Buyers, complete the HomePath Ready Buyer homeownership course on Homepath.com. Attach certificate to offer up to 3% closing cost assistance. Check HomePath.com for more details. Restrictions apply.

ⓘ 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: $2,342 · $195/mo
• Projected year-2 tax: $2,342 · $195/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 17 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $14,400
• − Mortgage interest: −$5,596
• − Property taxes: −$2,342
• − Insurance: −$500
• − Repairs & maintenance: −$1,152
• − Management: −$1,152
• − Depreciation: −$2,906
• Taxable income: $752
• Est. tax owed @ 24.0%: −$181
• After-tax cash flow: $2,067/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: Eufaula City
• NCES district ID: 0101410
• Math proficiency: 10% ▼ -13.00%
• Reading proficiency: 38% ▲ 4.00%
• Median HH income: $34,467
• Composite: 19.63/100
• National rank: #8743
• State rank: #100 of 129 in AL

Livability — Eufaula

• Score: 51/100
• State rank: #508
• US rank: #25138

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Eufaula, AL
• Population (ZIP): 14,981

Population outlook (Barbour County) Hauer SSP2

• Today (2025): 24,533 people
• By 2030: 23,439 · -4.5%
• By 2040: 21,129 · -13.9%
• By 2050: 18,982 · -22.6%
• By 2075: 14,114 · -42.5%
• By 2100: 9,180 · -62.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: Black 46% White 43% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 1% Serbian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 7%

Political lean MEDSL · Barbour

• 2024 margin: R (+14.7) · D 42.3% · R 57.0%
• 2008→2024 swing: -13.3pp toward R · 2008: -1.4pp · 2024: -14.7pp
• All cycles: 2024: R+14.7 2020: R+7.7 2016: R+5.6 2012: D+2.9 2008: R+1.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.42%
• Current HPI: 151.8238
• 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

-10.4% since first listed

2 events — show timeline

• 2026-04-25 Price Changed $107,500 SAMLS
• 2026-03-30 Listed $120,000 SAMLS

Property tax history

+10.0%/yr

Latest (2025): $2,342 · +5.8% YoY. Source: county tax records.