55 Honeysuckle Ct · Emerald Mountain, AL 36093

$219,900

3 bd · 2.0 ba · 1,360 sqft · SingleFamily public records · 52 Days on market

Built 1994 0.35 ac lot $162/sqft · 12% below area Est $250k · 12% under $33/mo HOA · 2% of rent

---

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 +17.9/30.0
• ARV discount +12.9/15.0
• DSCR +5.6/10.0
• 1% rule +3.6/10.0
• Schools +3.5/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Come see this adorable 3 bedroom 2 bath home located in the REDLAND SCHOOL DISTRICT in beautiful EMERALD MOUNTAIN! Love the kitchen with GRANITE COUNTER TOPS AND TILED BACK SPLASH. Some other features of this home include a FIREPLACE and TREY CEILING in the Living Room, WALK-IN CLOSET in the Master, Lots of storage including a full PANTRY, and a large backyard with DECK.

Key facts

• Bright dining nook
• Brick home
• Granite countertops

Tags

• EMERALD MOUNTAIN NEIGHBORHOOD
• BRICK HOME
• WHITE CABINETRY
• GRANITE COUNTERTOPS
• TILE BACKSPLASH
• BRIGHT DINING NOOK

Property features AI

Finance

• HOA & community: Homeowners association with a $100 quarterly fee

Exterior

• Parking: Driveway
• Security: Fire alarm
• Utilities: Public water; Septic tank; Electricity available; Cable available; High-speed internet available
• Home design: Single-story home; Brick and vinyl siding exterior; Slab foundation
• Construction: Built according to public records; Brick and vinyl siding construction
• Exterior features: Privacy fencing; Porch (covered); Covered patio; Patio; Mature trees; Located outside city limits; Paved road

Interior

• Kitchen: Dishwasher; Electric range with smooth cooktop; Microwave; Plumbed for ice maker
• Bedrooms: Bedroom on the first level
• Flooring: Carpet; Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric, heat pump); Central air conditioning
• Interior features: Tray ceilings; Double vanity; Pull-down attic stairs; Walk-in closet(s); Window treatments; Blinds
• Laundry & utility: Washer hookup; Dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $186 ($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 $190k (13.6% below list).
• Recommended offer: $190k (13.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 65/100 on livability (#119 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: schools F, amenities F, commute F.
• Elmore County (town): math 27% / reading 54% proficiency, ranked #21 of 129 in AL (top 16%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 166 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 92 units permitted in Elmore County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Elmore County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($213k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 26y 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 $190k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 76% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $190,000 (13.6% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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.
6. 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.
7. 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: 0.86% ✗
• Cap rate: 7.31%
• Cash-on-cash: 3.62%
• DSCR: 1.16
• GRM: 9.6

CMA / ARV

• ARV (median comp): $250,166
• List price: $219,900
• Delta: -12.10%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
291 Twin Oaks Ln	0.25mi	3/2.0	1,516 (+12%)	5mo	$253,000	$167	65
41 Regal Ct	0.45mi	3/2.0	1,458 (+7%)	19mo	$175,000	$120	51
2496 Mitchell Crk	0.66mi	4/2.0 (+1)	1,538 (+13%)	4mo	$256,500	$167	39

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: -10.7%
• Equity multiple: 0.61×
• Total profit: $-23,887
• Equity at exit: $32,788

10-year hold

• IRR: -1.4%
• Equity multiple: 0.90×
• Total profit: $-5,945
• Equity at exit: $19,013

Cash invested: $61,572 (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 36093

• Home prices YoY: -20.6%
• Active inventory: 166
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,900 medium
• Mortgage (P&I): −$1,153
• Tax from tax record: −$37 /mo · $447/yr
• Insurance: −$92
• HOA: −$33
• Vacancy / Maint / Mgmt: −$399
• Net cashflow: $186

Break-even live

Break-even rent $1,665

Max offer price $219,900

Occupancy floor 85%

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
369 Woodhaven Ln Wetumpka, AL	3.0	2.0	1678	$1,900	$1.13	14d	1	1.21mi

HOA detail

• Monthly dues: $33 · $396/yr

Listing history 30 events

1. 2026-06-15
   status $219,900 Pending 52 DOM
2. 2026-06-15
   days on market $219,900 Contingent 52 DOM
3. 2026-06-14
   days on market $219,900 Contingent 50 DOM
4. 2026-06-13
   days on market $219,900 Contingent 49 DOM
5. 2026-06-10
   days on market $219,900 Contingent 47 DOM
6. 2026-06-09
   days on market $219,900 Contingent 46 DOM
7. 2026-06-08
   days on market $219,900 Contingent 45 DOM
8. 2026-06-07
   days on market $219,900 Contingent 44 DOM
9. 2026-06-05
   days on market $219,900 Contingent 41 DOM
10. 2026-06-03
    days on market $219,900 Contingent 40 DOM
11. 2026-06-02
    days on market $219,900 Contingent 39 DOM
12. 2026-06-01
    days on market $219,900 Contingent 38 DOM
13. 2026-05-31
    days on market $219,900 Contingent 37 DOM
14. 2026-05-30
    statusdays on market $219,900 Contingent 36 DOM
15. 2026-05-18
    price $219,900 890-char remark
16. 2026-04-24
    listed $229,900 Active 890-char remark
17. 2022-06-03
    soldstatus $189,900 376-char remark

    Show marketing remark (376 chars)

    Come see this adorable 3 bedroom 2 bath home located in the REDLAND SCHOOL DISTRICT in beautiful EMERALD MOUNTAIN! Love the kitchen with GRANITE COUNTER TOPS AND TILED BACK SPLASH. Some other features of this home include a FIREPLACE and TREY CEILING in the Living Room, WALK-IN CLOSET in the Master, Lots of storage including a full PANTRY, and a large backyard with DECK.

18. 2022-06-03
    soldstatus $189,900

    Show marketing remark (376 chars)

    Come see this adorable 3 bedroom 2 bath home located in the REDLAND SCHOOL DISTRICT in beautiful EMERALD MOUNTAIN! Love the kitchen with GRANITE COUNTER TOPS AND TILED BACK SPLASH. Some other features of this home include a FIREPLACE and TREY CEILING in the Living Room, WALK-IN CLOSET in the Master, Lots of storage including a full PANTRY, and a large backyard with DECK.

19. 2022-04-27
    listed $189,900 376-char remark

    Show marketing remark (376 chars)

    Come see this adorable 3 bedroom 2 bath home located in the REDLAND SCHOOL DISTRICT in beautiful EMERALD MOUNTAIN! Love the kitchen with GRANITE COUNTER TOPS AND TILED BACK SPLASH. Some other features of this home include a FIREPLACE and TREY CEILING in the Living Room, WALK-IN CLOSET in the Master, Lots of storage including a full PANTRY, and a large backyard with DECK.

20. 2016-07-25
    soldstatus $132,600
21. 2016-07-22
    soldstatus $132,500

    Show marketing remark (777 chars)

    NICELY UPDATED HOME IN A GREAT LOCATION! This home is located in EMERALD MOUNTIAN SUBDIVISION, which offers a Clubhouse, Park, Stables, Tennis Courts, and Restaurant. IT is also in the Redland Road Elementary School zone, and convenient to Montgomery and Wetumpka. Freshly updated with NEW CARPET, LAMINATE FLOORS, and TILE. Love the kitchen with new GRANITE COUNTER TOPS AND TILED BACK SPLASH. Interior and Exterior also have fresh coats of Paint. Some other features of this home are a FIREPLACE and TREY CEILING in the Living Room, WALK-IN CLOSET in the Master, Lots of storage including a full PANTRY, and a large backyard with DECK and STORAGE SHED. To view all EMERALD MOUNTAIN has to offer go to www. emeraldmountainhoa.org. COME SEE ALL THIS HOUSE HAS TO OFFER TODAY!

22. 2015-11-30
    listed $135,000

    Show marketing remark (777 chars)

    NICELY UPDATED HOME IN A GREAT LOCATION! This home is located in EMERALD MOUNTIAN SUBDIVISION, which offers a Clubhouse, Park, Stables, Tennis Courts, and Restaurant. IT is also in the Redland Road Elementary School zone, and convenient to Montgomery and Wetumpka. Freshly updated with NEW CARPET, LAMINATE FLOORS, and TILE. Love the kitchen with new GRANITE COUNTER TOPS AND TILED BACK SPLASH. Interior and Exterior also have fresh coats of Paint. Some other features of this home are a FIREPLACE and TREY CEILING in the Living Room, WALK-IN CLOSET in the Master, Lots of storage including a full PANTRY, and a large backyard with DECK and STORAGE SHED. To view all EMERALD MOUNTAIN has to offer go to www. emeraldmountainhoa.org. COME SEE ALL THIS HOUSE HAS TO OFFER TODAY!

23. 2015-03-09
    listed $149,900
24. 2006-07-31
    soldstatus $143,500
25. 2006-06-05
    listed $146,500
26. 2006-02-27
    listed $146,500
27. 2002-12-30
    soldstatus $118,340
28. 2002-11-12
    listed $119,900
29. 2000-02-29
    soldstatus $103,900
30. 2000-02-08
    listed $103,900

ⓘ 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: $447 · $37/mo
• Projected year-2 tax: $902 · $75/mo
• Expected delta: +$455/yr (+$38/mo · 101.7%)

ⓘ 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 · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,800
• − Mortgage interest: −$12,318
• − Property taxes: −$447
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,824
• − Management: −$1,824
• − HOA: −$396
• − Depreciation: −$6,397
• Taxable loss: −$1,505
• Est. tax savings @ 24.0%: +$361
• After-tax cash flow: $2,593/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: Elmore County
• NCES district ID: 0101290
• Math proficiency: 27% ▼ -25.00%
• Reading proficiency: 54% ▲ 3.00%
• Median HH income: $54,898
• Composite: 35.27/100
• National rank: #4974
• State rank: #21 of 129 in AL

Livability — Emerald Mountain

• Score: 65/100
• State rank: #119
• US rank: #12526

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Emerald Mountain, AL
• Population (ZIP): 11,699

Population outlook (Elmore County) Hauer SSP2

• Today (2025): 85,154 people
• By 2030: 86,667 · +1.8%
• By 2040: 89,014 · +4.5%
• By 2050: 90,331 · +6.1%
• By 2075: 96,096 · +12.8%
• By 2100: 95,290 · +11.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Black 12% Hispanic / Latino 5% Two or more races 2%
• Common ancestry: Italian 2% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Elmore

• 2024 margin: Solid R (+52.1) · D 23.6% · R 75.6%
• 2008→2024 swing: -1.1pp toward R · 2008: -50.9pp · 2024: -52.1pp
• All cycles: 2024: R+52.1 2020: R+48.2 2016: R+52.0 2012: R+48.8 2008: R+50.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -38.69%
• Current HPI: 149.4012
• 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

+111.6% since first listed

18 events — show timeline

• 2026-06-15 Pending — MAAR
• 2026-05-29 Contingent — MAAR
• 2026-05-18 Price Changed $219,900 MAAR
• 2026-04-24 Listed $229,900 MAAR
• 2022-06-03 Sold (Public Records) $189,900 Public Records
• 2022-06-03 Sold (MLS) $189,900 MAAR
• 2022-04-27 Listed $189,900 MAAR
• 2016-07-25 Sold (Public Records) $132,600 Public Records
• 2016-07-22 Sold (MLS) $132,500 MAAR
• 2015-11-30 Listed $135,000 MAAR
• 2015-03-09 Listed $149,900 MAAR
• 2006-07-31 Sold (MLS) $143,500 MAAR
• 2006-06-05 Listed $146,500 MAAR
• 2006-02-27 Listed $146,500 MAAR
• 2002-12-30 Sold (MLS) $118,340 MAAR
• 2002-11-12 Listed $119,900 MAAR
• 2000-02-29 Sold (MLS) $103,900 MAAR
• 2000-02-08 Listed $103,900 MAAR

Property tax history

+2.8%/yr

Latest (2025): $447 · +0.0% YoY. Source: county tax records.