2604 Sunrise Dr · Moody, AL 35004

$254,000

4 bd · 1.0 ba · 1,305 sqft · SingleFamily public records · 121 Days on market

Built 2000 0.38 ac lot Est $238k · 7% over

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Why this score? — see what drove the D- 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 +14.0/30.0
• ARV discount +4.4/15.0
• DSCR +4.2/10.0
• Rent growth +4.2/5.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Want something in the Moody school system, minutes from I-20 and fast? This could be it! Take a fresh look at this FOUR bedroom TWO full bath home on Sunrise Drive! Nicely updated and in a choice location, this +/-1700 sq ft story and a half home sits on a level lot! Featuring a desired open floor plan. On the main level in the heart of the home is the living room and formal dining area with new waterproof laminate hardwood flooring, a worthy NEW kitchen with plenty of cabinets, stylish hardware, seating at the breakfast bar, trendy counters and pantry. There are two bedrooms, full bath that has been tastefully renovated with a ceramic surround tub shower combo on the main along with laundry. Easy access to open deck overlooking serene backyard. Upstairs are another nice size two bedrooms with elevated ceilings, renovated full bath. Recently painted, new carpet and new HVAC. ~ there's nothing to do but move right in! Take advantage while rates are still low.

Key facts

• Deck
• Accent backsplash
• 0.38 acre lot

Tags

• ACCENT BACKSPLASH
• STAINLESS STEEL APPLIANCES
• DECK

Property features AI

Finance

• Financial info: Has down payment assistance
• HOA & community: No association fee

Exterior

• Parking: Attached garage with front entry; 1 total garage space (main level)
• Utilities: Public water; Septic sewer; Electric water heater; Internet service availability: Unknown
• Home design: Existing property; Tri-level home; Minor subdivision: SUNRISE VALLEY
• Construction: Wood siding and other siding materials; Crawl space foundation
• Exterior features: Open deck; No patio; No pool; No garden/patio; Not waterfront; Not in flood plain; Lot view: None indicated

Interior

• Kitchen: Solid surface countertops; Dishwasher (built-in); Built-in microwave; Electric stove
• Bedrooms: Bedrooms on main level; Additional bedrooms on upper level
• Flooring: Carpet; Hardwood laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Gas heating; Central electric cooling
• Interior features: Smooth ceilings; Tri-level: No; Split level: No; Split foyer: No; Attic with walk-in access; No additional interior features listed
• Laundry & utility: Main-level laundry; Washer hookup provided; Dryer hookup (electric)

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $254k.

Deal economics

• At list price, monthly cash flow is $33 ($391/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 $195k (23.2% below list).
• Recommended offer: $195k (23.2% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 5.0% in Moody — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 63/100 on livability (#191 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, health & safety F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Moody Elementary School (math 47% / reading 67%, grade C+, #76 of 627 statewide, top 13%, 835 students, 54% FRL); Moody Middle School (math 20% / reading 61%, grade F, #56 of 257 statewide, top 22%, 524 students, 61% FRL); Moody High School (math 17% / reading 22%, grade F, #169 of 305 statewide, top 59%, 687 students, 50% FRL).
• Market conditions: Rents rising fast (+6.7%/yr); 84 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 557 units permitted in St. Clair 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 $8k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 121 days — a 12% lower offer ($224k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 6y ago; this cycle's ask has dropped $24k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major flood risk; major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $195,134 (23.2% below list)

Questions for the listing agent

1. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 23% 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.77% ✗
• Cap rate: 6.45%
• Cash-on-cash: 0.55%
• DSCR: 1.02
• GRM: 10.8

CMA / ARV

• ARV (on-the-fly): $237,510
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1148 Windsor Pkwy	0.43mi	3/2.0 (-1)	1,329 (+2%)	3mo	$255,000	$192	66
2815 Pine Tree St	0.32mi	3/2.0 (-1)	1,206 (-8%)	1mo	$215,000	$178	63
1017 Windsor Pkwy	0.51mi	3/2.0 (-1)	1,308 (+0%)	8mo	$260,000	$199	60
1123 Windsor Pkwy	0.42mi	3/2.5 (-1)	1,320 (+1%)	10mo	$240,000	$182	59
1039 Oak Blvd	0.40mi	3/2.0 (-1)	1,188 (-9%)	2mo	$221,900	$187	56
2104 Tudor Ln	0.50mi	3/2.0 (-1)	1,411 (+8%)	1mo	$264,000	$187	53
1055 Windsor Pkwy	0.47mi	3/2.0 (-1)	1,383 (+6%)	10mo	$252,000	$182	51
909 Oak Blvd	0.41mi	3/2.0 (-1)	1,146 (-12%)	1mo	$215,000	$188	50
1023 Oak Blvd	0.37mi	3/2.0 (-1)	1,152 (-12%)	6mo	$193,000	$168	49
4010 Jubilee Ln	0.68mi	3/2.0 (-1)	1,392 (+7%)	1mo	$235,000	$169	48
1011 Oak Blvd	0.36mi	3/2.0 (-1)	1,135 (-13%)	6mo	$195,000	$172	47
1015 Windsor Pkwy	0.51mi	3/2.0 (-1)	1,494 (+14%)	3mo	$220,000	$147	41

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 · 6.67% rent growth · sell at horizon

5-year hold

• IRR: -12.0%
• Equity multiple: 0.55×
• Total profit: $-31,735
• Equity at exit: $37,872

10-year hold

• IRR: 1.3%
• Equity multiple: 1.11×
• Total profit: $7,607
• Equity at exit: $21,961

Cash invested: $71,120 (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 35004

• Home prices YoY: -26.5%
• Rents YoY: 6.7%
• Active inventory: 84
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,951 high
• Mortgage (P&I): −$1,332
• Tax from tax record: −$71 /mo · $854/yr
• Insurance: −$106
• HOA: −$0
• Vacancy / Maint / Mgmt: −$410
• Net cashflow: $33

Break-even live

Break-even rent $1,910

Max offer price $254,000

Occupancy floor 93%

Sensitivity live

Price	-10% $176	-5% $104	+0% $33	+5% $-39	+10% $-111
Rent	-10% $-122	-5% $-44	+0% $33	+5% $110	+10% $187
Rate	-1.0pp $160	-0.5pp $97	base $33	+0.5pp $-33	+1.0pp $-100

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: $63,500
• Closing costs: $7,620
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2530 Joey Adkins Dr Moody, AL	3.0	2.0	1247	$1,495	$1.20	16d	1	1.25mi
1256 Washington Dr Moody, AL	3.0	2.0	1544	$1,696	$1.10	3d	1	1.29mi
1135 Avalon Dr Moody, AL	3.0	2.0	1466	$1,849	$1.26	12d	1	1.30mi
6000 Barrington Pkwy Moody, AL	2.0–3.0	2.0	1232	$1,135	$0.92	3d	1	1.35mi
1136 Washington Dr Moody, AL	3.0	2.0	1423	$1,823	$1.28	3d	1	1.47mi

Listing history 24 events

1. 2026-06-22
   days on market $254,000 Active 121 DOM
2. 2026-06-18
   days on market $254,000 Active 118 DOM
3. 2026-06-17
   days on market $254,000 Active 117 DOM
4. 2026-06-16
   days on market $254,000 Active 116 DOM
5. 2026-06-15
   days on market $254,000 Active 115 DOM
6. 2026-06-13
   days on market $254,000 Active 113 DOM
7. 2026-06-10
   days on market $254,000 Active 110 DOM
8. 2026-06-09
   days on market $254,000 Active 109 DOM
9. 2026-06-08
   days on market $254,000 Active 108 DOM
10. 2026-06-07
    pricedays on market $254,000 Active 107 DOM
11. 2026-06-03
    days on market $263,000 Active 103 DOM
12. 2026-06-02
    days on market $263,000 Active 102 DOM
13. 2026-06-01
    days on market $263,000 Active 101 DOM
14. 2026-05-31
    days on market $263,000 Active 100 DOM
15. 2026-04-30
    price $263,000
16. 2026-04-16
    price $270,000
17. 2026-03-05
    price $272,000
18. 2026-02-20
    listed $278,000 Active
19. 2026-02-09
    soldstatus $260,700
20. 2020-12-18
    soldstatus $212,700
21. 2020-12-03
    soldstatus $212,700 Sold 972-char remark

    Show marketing remark (972 chars)

    Want something in the Moody school system, minutes from I-20 and fast? This could be it! Take a fresh look at this FOUR bedroom TWO full bath home on Sunrise Drive! Nicely updated and in a choice location, this +/-1700 sq ft story and a half home sits on a level lot! Featuring a desired open floor plan. On the main level in the heart of the home is the living room and formal dining area with new waterproof laminate hardwood flooring, a worthy NEW kitchen with plenty of cabinets, stylish hardware, seating at the breakfast bar, trendy counters and pantry. There are two bedrooms, full bath that has been tastefully renovated with a ceramic surround tub shower combo on the main along with laundry. Easy access to open deck overlooking serene backyard. Upstairs are another nice size two bedrooms with elevated ceilings, renovated full bath. Recently painted, new carpet and new HVAC. ~ there's nothing to do but move right in! Take advantage while rates are still low.

22. 2020-10-20
    historical Contingent 972-char remark

    Show marketing remark (972 chars)

    Want something in the Moody school system, minutes from I-20 and fast? This could be it! Take a fresh look at this FOUR bedroom TWO full bath home on Sunrise Drive! Nicely updated and in a choice location, this +/-1700 sq ft story and a half home sits on a level lot! Featuring a desired open floor plan. On the main level in the heart of the home is the living room and formal dining area with new waterproof laminate hardwood flooring, a worthy NEW kitchen with plenty of cabinets, stylish hardware, seating at the breakfast bar, trendy counters and pantry. There are two bedrooms, full bath that has been tastefully renovated with a ceramic surround tub shower combo on the main along with laundry. Easy access to open deck overlooking serene backyard. Upstairs are another nice size two bedrooms with elevated ceilings, renovated full bath. Recently painted, new carpet and new HVAC. ~ there's nothing to do but move right in! Take advantage while rates are still low.

23. 2020-10-17
    listed $209,900 Active 972-char remark

    Show marketing remark (972 chars)

    Want something in the Moody school system, minutes from I-20 and fast? This could be it! Take a fresh look at this FOUR bedroom TWO full bath home on Sunrise Drive! Nicely updated and in a choice location, this +/-1700 sq ft story and a half home sits on a level lot! Featuring a desired open floor plan. On the main level in the heart of the home is the living room and formal dining area with new waterproof laminate hardwood flooring, a worthy NEW kitchen with plenty of cabinets, stylish hardware, seating at the breakfast bar, trendy counters and pantry. There are two bedrooms, full bath that has been tastefully renovated with a ceramic surround tub shower combo on the main along with laundry. Easy access to open deck overlooking serene backyard. Upstairs are another nice size two bedrooms with elevated ceilings, renovated full bath. Recently painted, new carpet and new HVAC. ~ there's nothing to do but move right in! Take advantage while rates are still low.

24. 2009-11-18
    soldstatus $135,000

ⓘ 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: $854 · $71/mo
• Projected year-2 tax: $1,041 · $87/mo
• Expected delta: +$188/yr (+$16/mo · 22.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 74% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,416
• − Mortgage interest: −$14,228
• − Property taxes: −$854
• − Insurance: −$1,270
• − Repairs & maintenance: −$1,873
• − Management: −$1,873
• − Depreciation: −$7,389
• Taxable loss: −$4,071
• Est. tax savings @ 24.0%: +$977
• After-tax cash flow: $1,368/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: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Moody

• Score: 63/100
• State rank: #191
• US rank: #15571

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moody, AL
• County: Saint Clair County · 54,404 people
• City population: 12,155
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 12,155
• Household income: $87,652
• Rent vs Own: 26.4% rent · 73.6% own
• Severe rent burden: 108.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Black 13% Two or more races 6% Hispanic / Latino 3% Native American 1%
• Common ancestry: Slovak 4% Lithuanian 3% Serbian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Tagalog/Filipino 1% Spanish 1% French/Haitian/Cajun 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.20%
• Current HPI: 177.6589
• Rent YoY: ▲ 6.67%
• Metro: Birmingham-Hoover, 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

+94.8% since first listed

10 events — show timeline

• 2026-04-30 Price Changed $263,000 Greater Alabama MLS
• 2026-04-16 Price Changed $270,000 Greater Alabama MLS
• 2026-03-05 Price Changed $272,000 Greater Alabama MLS
• 2026-02-20 Listed $278,000 Greater Alabama MLS
• 2026-02-09 Sold (Public Records) $260,700 Public Records
• 2020-12-18 Sold (Public Records) $212,700 Public Records
• 2020-12-03 Sold (MLS) $212,700 Greater Alabama MLS
• 2020-10-20 Contingent — Greater Alabama MLS
• 2020-10-17 Listed $209,900 Greater Alabama MLS
• 2009-11-18 Sold (Public Records) $135,000 Public Records

Property tax history

+5.7%/yr

Latest (2025): $854 · +0.0% YoY. Source: county tax records.