17 Mcphillips Ave · Mobile, AL 36604

$303,900

4 bd · 1.5 ba · 2,144 sqft · Townhouse public records · 235 Days on market

Built 1987 8,886 sqft lot $142/sqft · 42% below area Est $520k · 42% under

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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 +16.2/30.0
• ARV discount +15.0/15.0
• DSCR +5.0/10.0
• Livability +3.8/5.0
• 1% rule +3.7/10.0
• Rent growth +3.4/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

Key facts

• Natural light
• Large back yard
• Hardwood floors

Tags

• HARDWOOD FLOORS
• NATURAL LIGHT
• LARGE BACK YARD

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath townhouse listed at $304k.

Deal economics

• At list price, monthly cash flow is $162 ($2k/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 $266k (12.6% below list).
• Recommended offer: $266k (12.6% below list) — sets the bar for 1% rule.
• Cap rate 6.9% vs local median 4.9% in Mobile — 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 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D-, crime F, employment D-.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.8%/yr); 93 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).
• At $2,655/mo this rent would consume 48% of the median local household income ($66k/yr) (locally 452% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k 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 235 days — a 12% lower offer ($267k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $49k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $182k; list at $304k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $265,504 (12.6% below list)

Questions for the listing agent

1. It's been on market 235 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-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. 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?
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: 0.87% ✗
• Cap rate: 6.93%
• Cash-on-cash: 2.28%
• DSCR: 1.10
• GRM: 9.5

CMA / ARV

• ARV (median comp): $519,754
• List price: $303,900
• Delta: -41.53%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.78% rent growth · sell at horizon

5-year hold

• IRR: -11.9%
• Equity multiple: 0.57×
• Total profit: $-36,908
• Equity at exit: $45,312

10-year hold

• IRR: -1.7%
• Equity multiple: 0.88×
• Total profit: $-10,371
• Equity at exit: $26,276

Cash invested: $85,092 (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 36604

• Rents YoY: 3.8%
• Active inventory: 93
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,655 high
• Mortgage (P&I): −$1,594
• Tax from tax record: −$215 /mo · $2,586/yr
• Insurance: −$127
• HOA: −$0
• Vacancy / Maint / Mgmt: −$558
• Net cashflow: $162

Break-even live

Break-even rent $2,450

Max offer price $303,900

Occupancy floor 89%

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: $75,975
• Closing costs: $9,117
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
84 S Lafayette St Unit 1043577P Mobile, AL	3.0	2.0	1496	$3,116	$2.08	13d	1	0.31mi
1141 Montauk Ave Unit 1043864P Mobile, AL	3.0	2.0	1420	$2,741	$1.93	13d	1	0.37mi
107 Macy Pl Mobile, AL	3.0	2.0	1800	$2,250	$1.25	43d	1	0.39mi
107 Michael Donald Ave Unit 1043461P Mobile, AL	4.0	3.5	2195	$3,962	$1.81	13d	1	0.47mi
1704 McGill Ave Unit B Mobile, AL	3.0	2.5	1500	$1,750	$1.17	43d	1	0.52mi
1660 Laurel St Mobile, AL	3.0	2.0	1768	$2,200	$1.24	13d	1	0.57mi
961 Old Shell Rd Unit A Mobile, AL	3.0	2.5	1600	$1,295	$0.81	43d	1	0.79mi
1754 Hunter Ave Unit 1043550P Mobile, AL	4.0	2.0	2723	$3,903	$1.43	21d	1	0.81mi
129 Shell Road Pl Unit 1043713P Mobile, AL	4.0	2.0	1496	$3,389	$2.27	21d	1	0.82mi
305 Indian Creek Dr E Unit 1043809P Mobile, AL	3.0	2.5	1496	$3,985	$2.66	13d	1	1.01mi
186 Stanton Rd Mobile, AL	1.0–3.0	1.0–2.5	1263	$2,450	$1.94	43d	1	1.20mi
814 S Broad St Unit 1043690P Mobile, AL	3.0	2.0	1991	$3,562	$1.79	13d	1	1.40mi
1204 Seneca St Mobile, AL	3.0	2.0	1425	$1,345	$0.94	13d	1	1.42mi
500 Palmetto St Mobile, AL	3.0	2.0	1786	$1,450	$0.81	43d	1	1.48mi

Listing history 35 events

1. 2026-06-18
   days on market $303,900 Active 235 DOM
2. 2026-06-17
   days on market $303,900 Active 234 DOM
3. 2026-06-16
   days on market $303,900 Active 233 DOM
4. 2026-06-15
   days on market $303,900 Active 232 DOM
5. 2026-06-14
   days on market $303,900 Active 230 DOM
6. 2026-06-13
   days on market $303,900 Active 229 DOM
7. 2026-06-10
   days on market $303,900 Active 227 DOM
8. 2026-06-09
   days on market $303,900 Active 226 DOM
9. 2026-06-08
   days on market $303,900 Active 225 DOM
10. 2026-06-07
    days on market $303,900 Active 224 DOM
11. 2026-06-05
    days on market $303,900 Active 221 DOM
12. 2026-06-03
    days on market $303,900 Active 220 DOM
13. 2026-06-02
    days on market $303,900 Active 219 DOM
14. 2026-06-01
    days on market $303,900 Active 218 DOM
15. 2026-05-31
    days on market $303,900 Active 217 DOM
16. 2026-05-30
    days on market $303,900 Active 216 DOM
17. 2026-05-18
    price $309,900 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

18. 2026-04-08
    price $315,000 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

19. 2026-04-07
    status Active 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

20. 2026-04-02
    historical 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

21. 2026-03-19
    price $309,000 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

22. 2026-02-27
    status Active 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

23. 2026-02-04
    status Pending 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

24. 2026-01-13
    price $319,000 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

25. 2025-12-26
    price $339,000 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

26. 2025-12-26
    status Active 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

27. 2025-12-08
    status Pending 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

28. 2025-11-17
    price $342,900 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

29. 2025-09-09
    listed $352,900 Active 1765-char remark

    Show marketing remark (1765 chars)

    This is a rare and exciting opportunity to own a character-filled duplex in the heart of highly desirable Midtown-perfect for investors or owner-occupants seeking income potential and long-term value. Ideally located on charming McPhillips Avenue, this property offers unbeatable convenience within walking distance to McGill-Toolen, local shops, dining, grocery stores, and less than a mile from popular parade routes. Both units feature spacious, well-designed layouts that appeal to today's renters and homeowners alike. Unit A offers a generous living area, dining room, kitchen, two large bedrooms, and a full bath. Unit B mirrors the same expansive feel, with the added benefit of a half bath for extra functionality. Well appointed furnishings in Unit B including a sofa, bedroom suites, dining room furniture, draperies, rugs and televisons may be included with an acceptable offer, thereby rendering Unit B fully turnkey. All appliances are less than 5 years old, and the roof was replaced in 2024 per the seller. Modern updates include freshly painted interiors, beautiful hardwood floors and updated lighting. Situated on a large lot, the property provides ample off-street parking in the rear, a valuable and sought after amenity in Midtown. Offered as is this property offers endless possibilities for investors or owner occupants. The seller holds an assumable FHA mortgage with an interest rate of 2.8% which may offer significant savings to a qualified buyer compared to current financing options. Buyer must meet all requirements to assume the loan. Don't miss this great opportunity to become a homeowner while also benefiting from investment potential at the same time. Buyers and their agents are encouraged to verify all pertinent information.

30. 2024-06-18
    price $352,900
31. 2024-04-10
    historical $1,500
32. 2024-03-13
    listed $1,500
33. 2021-02-05
    soldstatus $182,000
34. 2021-02-01
    soldstatus $182,000
35. 2007-11-16
    soldstatus $165,500

ⓘ 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: $2,586 · $215/mo
• Projected year-2 tax: $2,586 · $215/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 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,860
• − Mortgage interest: −$17,023
• − Property taxes: −$2,586
• − Insurance: −$1,520
• − Repairs & maintenance: −$2,549
• − Management: −$2,549
• − Depreciation: −$8,841
• Taxable loss: −$3,206
• Est. tax savings @ 24.0%: +$770
• After-tax cash flow: $2,710/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mobile, AL
• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 8,836
• Household income: $66,357
• Rent vs Own: 41.0% rent · 59.0% own
• Severe rent burden: 452.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 51% Black 42% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 4% Serbian 2% Slovak 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -143.27%
• Current HPI: 205.7241
• Rent YoY: ▲ 3.78%
• 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

+87.3% since first listed

19 events — show timeline

• 2026-05-18 Price Changed $309,900 GCMLS AL
• 2026-04-08 Price Changed $315,000 GCMLS AL
• 2026-04-07 Relisted — GCMLS AL
• 2026-04-02 Delisted — GCMLS AL
• 2026-03-19 Price Changed $309,000 GCMLS AL
• 2026-02-27 Relisted — GCMLS AL
• 2026-02-04 Pending — GCMLS AL
• 2026-01-13 Price Changed $319,000 GCMLS AL
• 2025-12-26 Price Changed $339,000 GCMLS AL
• 2025-12-26 Relisted — GCMLS AL
• 2025-12-08 Pending — GCMLS AL
• 2025-11-17 Price Changed $342,900 GCMLS AL
• 2025-09-09 Listed $352,900 GCMLS AL
• 2024-06-18 Price Changed $352,900 GCMLS AL
• 2024-04-10 Rental Removed $1,500 APPFOLIO
• 2024-03-13 Listed for Rent $1,500 APPFOLIO
• 2021-02-05 Sold (Public Records) $182,000 Public Records
• 2021-02-01 Sold (MLS) $182,000 GCMLS AL
• 2007-11-16 Sold (Public Records) $165,500 Public Records

Property tax history

+4.1%/yr

Latest (2025): $2,586 · +6.0% YoY. Source: county tax records.