221 County Road 911 Rd · Orrville, AL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 7/10 · Major
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 80.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B+ 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 +30.0/30.0
- ARV discount +14.4/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Appreciation +6.0/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Livability +2.4/5.0
- Schools +1.0/10.0
$59,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Great home with 3 bedrooms and 1 bath home located in the county side of Orrville Al. This home has central heating and fenced back yard
Key facts
- Central heating
- Fenced back yard
- 0.3 acre lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $59k.
Deal economics
- At list price, monthly cash flow is $390 ($5k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($945 rent vs $59k).
- Recommended offer: $52k (12.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 47/100 on livability (#542 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+; Watch: schools F, crime D-, amenities F.
- Dallas County (rural): math 2% / reading 22% proficiency, ranked #115 of 129 in AL (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: 17 active listings in the ZIP; 7 units permitted in Dallas County in 2024 (0 in 5+ unit buildings).
Forward outlook
- In year one you build about $2k of equity ($408 loan paydown + $1k appreciation (1.9% local appreciation)).
- Dallas County population projected at -36% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- At projected returns (1.9% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~3 years — after that, you're playing with house money.
Negotiation context
- It's been on market 126 days — a 12% lower offer ($52k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 80% 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.
Questions for the listing agent
- It's been on market 126 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- Crime grade is D 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?
- 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.
- 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.
- 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
- 1.60% ✓
- Cap rate
- 14.23%
- Cash-on-cash
- 28.36%
- DSCR
- 2.26
- GRM
- 5.2
CMA / ARV
- ARV (median comp)
- $69,653
- List price
- $59,000
- Delta
- -15.29%
- Verdict
- UNDERPRICED
- Comps
- 3 within 1.0 mi
Show comp detail 1 sale within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 323 County Road 911 Rd | 0.11mi | 3/1.0 | 1,025 (0%) | 14mo | $70,000 | $68 | 84 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
1.95% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 32.4%
- Equity multiple
- 2.74×
- Total profit
- $28,747
- Equity at exit
- $23,111
- IRR
- 33.7%
- Equity multiple
- 5.34×
- Total profit
- $71,642
- Equity at exit
- $33,158
Cash invested: $16,520 (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
ZIP-level market 36767
- Home prices YoY
- 2.2%
- Active inventory
- 17
- Price-to-rent
- 5.2×
Monthly cashflow live
- Estimated rent
- $945 medium interval (Pro) →
- Mortgage (P&I)
- −$309
- Tax from tax record
- −$22 /mo · $264/yr
- Insurance
- −$25
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$198
- Net cashflow
- $390
Break-even live
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
- $14,750
- Closing costs
- $1,770
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 19 events
-
2026-06-19days on market $59,000 Active 126 DOM
-
2026-06-18days on market $59,000 Active 125 DOM
-
2026-06-17days on market $59,000 Active 124 DOM
-
2026-06-16days on market $59,000 Active 123 DOM
-
2026-06-15days on market $59,000 Active 122 DOM
-
2026-06-14days on market $59,000 Active 120 DOM
-
2026-06-12days on market $59,000 Active 119 DOM
-
2026-06-09pricedays on market $59,000 Active 116 DOM
-
2026-06-08days on market $67,500 Active 115 DOM
-
2026-06-07days on market $67,500 Active 114 DOM
-
2026-06-07days on market $67,500 Active 113 DOM
-
2026-06-04days on market $67,500 Active 110 DOM
-
2026-06-02days on market $67,500 Active 109 DOM
-
2026-06-01days on market $67,500 Active 108 DOM
-
2026-05-31days on market $67,500 Active 107 DOM
-
2026-05-31days on market $67,500 Active 106 DOM
-
2026-05-02price $67,500 136-char remark
Show marketing remark (136 chars)
Great home with 3 bedrooms and 1 bath home located in the county side of Orrville Al. This home has central heating and fenced back yard
-
2026-03-20price $72,500 136-char remark
Show marketing remark (136 chars)
Great home with 3 bedrooms and 1 bath home located in the county side of Orrville Al. This home has central heating and fenced back yard
-
2026-02-11$74,900 Active 136-char remark
Show marketing remark (136 chars)
Great home with 3 bedrooms and 1 bath home located in the county side of Orrville Al. This home has central heating and fenced back yard
ⓘ 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
- $264 · $22/mo
- Projected year-2 tax
- $264 · $22/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 5/10 Major
- Heat 7/10 Severe 7 d/yr ≥108°F today · 19 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $11,339
- − Mortgage interest
- −$3,305
- − Property taxes
- −$264
- − Insurance
- −$295
- − Repairs & maintenance
- −$907
- − Management
- −$907
- − Depreciation
- −$1,716
- Taxable income
- $3,944
- Est. tax owed @ 24.0%
- −$947
- After-tax cash flow
- $3,739/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
- Dallas County
- NCES district ID
- 0101110
- Math proficiency
- 2% ▼ -28.00%
- Reading proficiency
- 22% ▼ -7.00%
- Median HH income
- $32,660
- Composite
- 9.54/100
- National rank
- #9847
- State rank
- #115 of 129 in AL
Livability — Orrville
- Score
- 47/100
- State rank
- #542
- US rank
- #26262
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Population (ZIP)
- 1,474
Population outlook (Dallas County) Hauer SSP2
- Today (2025)
- 35,464 people
- By 2030
- 32,631 · -8.0%
- By 2040
- 27,246 · -23.2%
- By 2050
- 22,691 · -36.0%
- By 2075
- 14,867 · -58.1%
- By 2100
- 10,285 · -71.0%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly Black (87%)
- Race & ethnicity
- Black 87% White 13%
Political lean MEDSL · Dallas
- 2024 margin
- Solid D (+32.5) · D 65.9% · R 33.4%
- 2008→2024 swing
- -2.0pp toward R · 2008: 34.5pp · 2024: 32.5pp
- All cycles
- 2024: D+32.5 2020: D+37.5 2016: D+37.6 2012: D+39.7 2008: D+34.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 1.95%
- Current HPI
- 91.7103
- 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 |
|
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Price history
-9.9% since first listed3 events — show timeline
- 2026-05-02 Price Changed $67,500 MAAR
- 2026-03-20 Price Changed $72,500 MAAR
- 2026-02-11 Listed $74,900 MAAR
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…