4373 Wimbledon Rd · Montgomery, AL 36116

$80,000

2 bd · 1.0 ba · 936 sqft · SingleFamily public records · 36 Days on market

Built 1989 6,534 sqft lot $85/sqft · 19% above area Est $67k · 19% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.5/10.0
• Rent growth +3.9/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great investment property! This 2 bed 1 bath home has a minimal investment cost to make rent ready. Great add for a portfolio. Call your favorite realtor today to schedule a tour.

Key facts

• Brand new roof
• Move in ready
• Fresh interior paint

Tags

• MOVE IN READY
• HISTORIC REGENCY PARK
• FRESH INTERIOR PAINT
• BRAND NEW ROOF

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $369 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.8% vs local median 6.0% in Montgomery — 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 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D, crime F.
• Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.7%/yr); 294 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 71% of comp listings sitting > 30 days — soft ceiling on asking rent; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Montgomery County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $22k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 29y 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 $40k; list at $80k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $77,600 (3.0% 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 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.35% ✓
• Cap rate: 11.83%
• Cash-on-cash: 19.77%
• DSCR: 1.88
• GRM: 6.2

CMA / ARV

• ARV (median comp): $67,309
• List price: $80,000
• Delta: 18.86%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4373 Wimbledon Rd	0.00mi	2/1.0	936 (0%)	11mo	$40,000	$43	91
6232 S Hampton Dr	0.11mi	3/2.0 (+1)	1,068 (+14%)	8mo	$75,000	$70	55
5862 Virgil Ct	0.66mi	3/1.0 (+1)	864 (-8%)	12mo	$55,000	$64	42
6153 Cherry Hill Rd	0.56mi	3/2.0 (+1)	1,075 (+15%)	0mo	$20,000	$19	40
6056 Eric Ln	0.60mi	3/2.0 (+1)	1,048 (+12%)	15mo	$98,000	$94	31

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 · 5.65% rent growth · sell at horizon

5-year hold

• IRR: 14.6%
• Equity multiple: 1.60×
• Total profit: $13,481
• Equity at exit: $11,928

10-year hold

• IRR: 25.1%
• Equity multiple: 3.44×
• Total profit: $54,748
• Equity at exit: $6,917

Cash invested: $22,400 (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 36116

• Home prices YoY: -9.7%
• Rents YoY: 5.7%
• Active inventory: 294
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,083 high
• Mortgage (P&I): −$420
• Tax from tax record: −$34 /mo · $404/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$227
• Net cashflow: $369

Break-even live

Break-even rent $616

Max offer price $80,000

Occupancy floor 61%

Sensitivity live

Price	-10% $414	-5% $392	+0% $369	+5% $346	+10% $324
Rent	-10% $283	-5% $326	+0% $369	+5% $412	+10% $455
Rate	-1.0pp $409	-0.5pp $389	base $369	+0.5pp $348	+1.0pp $327

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6061 Briarhurst Dr Montgomery, AL	3.0	2.0	1124	$1,075	$0.96	44d	1	0.44mi
6028 Oakleigh Rd Montgomery, AL	3.0	2.0	1105	$850	$0.77	44d	1	0.55mi
4590 Troy Hwy Montgomery, AL	2.0–3.0	2.0	1330	$799	$0.60	14d	1	0.86mi
4611 Virginia Loop Rd Montgomery, AL	3.0	1.0	1029	$1,195	$1.16	22d	1	1.12mi
3231 Virginia Pines Ln Montgomery, AL	2.0	2.0	1068	$800	$0.75	44d	1	1.14mi
4604 Virginia Loop Rd Montgomery, AL	1.0–2.0	1.0–2.0	810	$895	$1.10	44d	1	1.19mi
3248 Meadow Walk Ln Montgomery, AL	3.0	2.0	1114	$1,200	$1.08	44d	1	1.50mi

Listing history 30 events

1. 2026-06-21
   days on market $80,000 Active 36 DOM
2. 2026-06-18
   days on market $80,000 Active 33 DOM
3. 2026-06-17
   days on market $80,000 Active 32 DOM
4. 2026-06-16
   days on market $80,000 Active 31 DOM
5. 2026-06-15
   days on market $80,000 Active 30 DOM
6. 2026-06-14
   days on market $80,000 Active 28 DOM
7. 2026-06-13
   days on market $80,000 Active 27 DOM
8. 2026-06-10
   days on market $80,000 Active 25 DOM
9. 2026-06-09
   days on market $80,000 Active 24 DOM
10. 2026-06-08
    days on market $80,000 Active 23 DOM
11. 2026-06-07
    days on market $80,000 Active 22 DOM
12. 2026-06-03
    days on market $80,000 Active 18 DOM
13. 2026-06-02
    days on market $80,000 Active 17 DOM
14. 2026-06-01
    days on market $80,000 Active 16 DOM
15. 2026-05-31
    days on market $80,000 Active 15 DOM
16. 2026-05-30
    days on market $80,000 Active 14 DOM
17. 2026-03-13
    status Active
18. 2026-03-12
    historical Contingent
19. 2026-02-08
    status Active
20. 2026-01-29
    historical Contingent
21. 2025-11-29
    listed $80,000 Active
22. 2025-07-17
    status Pending 179-char remark

    Show marketing remark (179 chars)

    Great investment property! This 2 bed 1 bath home has a minimal investment cost to make rent ready. Great add for a portfolio. Call your favorite realtor today to schedule a tour.

23. 2025-07-17
    soldstatus $40,000 Closed 179-char remark

    Show marketing remark (179 chars)

    Great investment property! This 2 bed 1 bath home has a minimal investment cost to make rent ready. Great add for a portfolio. Call your favorite realtor today to schedule a tour.

24. 2025-06-02
    historical Contingent 179-char remark

    Show marketing remark (179 chars)

    Great investment property! This 2 bed 1 bath home has a minimal investment cost to make rent ready. Great add for a portfolio. Call your favorite realtor today to schedule a tour.

25. 2025-05-15
    listed $49,900 Active 179-char remark

    Show marketing remark (179 chars)

    Great investment property! This 2 bed 1 bath home has a minimal investment cost to make rent ready. Great add for a portfolio. Call your favorite realtor today to schedule a tour.

26. 2022-06-29
    listed $38,000
27. 2009-11-13
    listed $54,000
28. 2000-06-01
    listed $49,900
29. 1997-10-22
    listed $49,900
30. 1997-02-12
    listed $48,500

ⓘ 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: $404 · $34/mo
• Projected year-2 tax: $404 · $34/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,997
• − Mortgage interest: −$4,481
• − Property taxes: −$404
• − Insurance: −$400
• − Repairs & maintenance: −$1,040
• − Management: −$1,040
• − Depreciation: −$2,327
• Taxable income: $3,304
• Est. tax owed @ 24.0%: −$793
• After-tax cash flow: $3,635/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: Montgomery County
• NCES district ID: 0102430
• Math proficiency: 9% ▼ -21.00%
• Reading proficiency: 31% ▼ -1.00%
• Median HH income: $43,902
• Composite: 17.24/100
• National rank: #9093
• State rank: #106 of 129 in AL

Livability — Montgomery

• Score: 65/100
• State rank: #138
• US rank: #13416

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Montgomery, AL
• County: Montgomery County · 190,016 people
• City population: 175,913
• Metro: Montgomery, AL
• Population (ZIP): 45,250
• Household income: $55,160
• Rent vs Own: 50.8% rent · 49.2% own
• Severe rent burden: 2786.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 224,008 people
• By 2030: 221,460 · -1.1%
• By 2040: 214,179 · -4.4%
• By 2050: 204,912 · -8.5%
• By 2075: 177,821 · -20.6%
• By 2100: 145,134 · -35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (80%)
• Race & ethnicity: Black 80% White 12% Two or more races 4% Asian 3% Hispanic / Latino 2%
• Common ancestry: Italian 1%
• Foreign-born: 5% · Canada, South Korea
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 1% Korean 1%

Political lean MEDSL · Montgomery

• 2024 margin: Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
• 2008→2024 swing: +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
• All cycles: 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -16.31%
• Current HPI: 151.8598
• Rent YoY: ▲ 5.65%
• Metro: Montgomery, 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

+64.9% since first listed

14 events — show timeline

• 2026-03-13 Relisted — MAAR
• 2026-03-12 Contingent — MAAR
• 2026-02-08 Relisted — MAAR
• 2026-01-29 Contingent — MAAR
• 2025-11-29 Listed $80,000 MAAR
• 2025-07-17 Pending — MAAR
• 2025-07-17 Sold (MLS) $40,000 MAAR
• 2025-06-02 Contingent — MAAR
• 2025-05-15 Listed $49,900 MAAR
• 2022-06-29 Listed $38,000 MAAR
• 2009-11-13 Listed $54,000 MAAR
• 2000-06-01 Listed $49,900 MAAR
• 1997-10-22 Listed $49,900 MAAR
• 1997-02-12 Listed $48,500 MAAR

Property tax history

+2.8%/yr

Latest (2025): $404 · +6.9% YoY. Source: county tax records.