107 Potts Rd · Russellville, AL 35654

$38,900

2 bd · 1.0 ba · 960 sqft · SingleFamily · 5 Days on market

Built 1995 Poor condition 0.48 ac lot $41/sqft · 72% below area

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.6/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +1.0/5.0
• Appreciation +0.6/10.0

Listing remarks

Home on . 48 Ac lot located inside Russellville city limits and minutes away from Hwy 43, Russellville schools and the Russellville sports complex. Utilities are available. This property is being "Sold As Is". With a little imagination and TLC this property can become a rental or a private residence

Key facts

• 48 ac lot
• 0.48 acre lot
• Built 1995

Tags

• 48 AC LOT
• MINUTES AWAY FROM HWY 43
• UTILITIES ARE AVAILABLE

Property features AI

Finance

• Other: Zoned R1; Lot approximately 0.48 acre with dimensions ~179.85 x 117.48 and 179.85 frontage

Exterior

• Utilities: Cable available; Electricity available; Natural gas available; Phone available; Public sewer available; Water available
• Home design: Single-family residence; Residential property; One-story (main living on main level)
• Construction: Metal roof; Block and pillar/post/pier foundation; Approximately 1970s–2000s era construction (year built not provided)
• Exterior features: No fencing; Gravel road access

Interior

• Bedrooms: Two main-level bedrooms
• Flooring: Laminate
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Natural gas heating; No central cooling
• Interior features: Laminate flooring; Total of 6 rooms

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $39k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $414 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($865 rent vs $39k).
• Cap rate 19.1% vs local median 2.9% in Russellville — 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 71/100 on livability (#37 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, amenities F, commute F.
• Russellville City (town): math 24% / reading 41% proficiency, ranked #61 of 129 in AL (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: West Elementary School (719 students, 42% FRL); Russellville Middle School (math 17% / reading 43%, grade F, #121 of 257 statewide, top 50%, 579 students, 51% FRL); Russellville High School (math 27% / reading 32%, grade F, #70 of 305 statewide, top 27%, 740 students, 48% FRL).
• Market conditions: 43 active listings in the ZIP; 15 units permitted in Franklin County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $269 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $11k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 25% 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 $38,900

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 2.22% ✓
• Cap rate: 19.07%
• Cash-on-cash: 45.63%
• DSCR: 3.03
• GRM: 3.7

CMA / ARV

• ARV (median comp): $140,221
• List price: $38,900
• Delta: -72.26%
• Verdict: UNDERPRICED
• Comps: 17 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
76 Una Loop	0.44mi	3/1.5 (+1)	1,008 (+5%)	1mo	$162,000	$161	63
210 Cherry St	0.48mi	2/1.0	880 (-8%)	5mo	$150,000	$170	60
56 Pine St	0.27mi	3/1.0 (+1)	1,050 (+9%)	22mo	$135,000	$129	48

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: 42.8%
• Equity multiple: 2.84×
• Total profit: $20,086
• Equity at exit: $5,800

10-year hold

• IRR: 48.9%
• Equity multiple: 5.73×
• Total profit: $51,508
• Equity at exit: $3,363

Cash invested: $10,892 (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 35654

• Home prices YoY: -4.6%
• Active inventory: 43
• Price-to-rent: 3.7×

Monthly cashflow live

• Estimated rent: $865 medium
• Mortgage (P&I): −$204
• Tax est. 1.5%: −$49 /mo · $584/yr
• Insurance: −$16
• HOA: −$0
• Vacancy / Maint / Mgmt: −$182
• Net cashflow: $414

Break-even live

Break-even rent $340

Max offer price $38,900

Occupancy floor 47%

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: $9,725
• Closing costs: $1,167
• Reserves months: —
• Total cash needed: —

Listing history 1 events

1. 2026-05-14
   listed $38,900 Active 310-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 25% 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: $10,374
• − Mortgage interest: −$2,179
• − Property taxes: −$584
• − Insurance: −$194
• − Repairs & maintenance: −$830
• − Management: −$830
• − Depreciation: −$1,132
• Taxable income: $4,626
• Est. tax owed @ 24.0%: −$1,110
• After-tax cash flow: $3,860/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.

Condition & rehab AI · 2 photos

Poor 20/100 Extensive rehab

This property requires extensive repairs and maintenance, including a new roof, siding, HVAC systems, and landscaping. Significant investment is needed to bring it up to a livable condition.

Repairs flagged

• Major roof — Significant damage and discoloration suggest a major repair is needed.
• Major siding — Peeling and chipping paint indicate a major repair is needed.
• Major HVAC/mechanicals — The exterior condition suggests these systems may be in poor condition and need replacement.
• Major landscaping — The overgrown and unkempt landscaping detracts from the property's value and needs immediate attention.

Value-add opportunities

• Both repair and replace roof — A new roof will improve the property's appearance and functionality.
• Both repair and replace siding — New siding will improve the property's appearance and increase its value.
• Both repair and replace HVAC/mechanicals — Upgrading HVAC systems will improve comfort and energy efficiency.
• Both landscaping and curb appeal — A well-maintained landscape will enhance the property's curb appeal and value.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Significant damage and discoloration suggest a major repair is needed.	Major	$15,000–50,000
siding · Peeling and chipping paint indicate a major repair is needed.	Major	$15,000–50,000
HVAC/mechanicals · The exterior condition suggests these systems may be in poor condition and need replacement.	Major	$15,000–50,000
landscaping · The overgrown and unkempt landscaping detracts from the property's value and needs immediate attention.	Major	$15,000–50,000
Total estimated repair cost · 4 items		$60,000–200,000

Value-add ROI direction

• Both repair and replace roof — A new roof will improve the property's appearance and functionality. ↑
• Both repair and replace siding — New siding will improve the property's appearance and increase its value. ↑
• Both repair and replace HVAC/mechanicals — Upgrading HVAC systems will improve comfort and energy efficiency. ↑
• Both landscaping and curb appeal — A well-maintained landscape will enhance the property's curb appeal and value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Russellville City
• NCES district ID: 0102910
• Math proficiency: 24% ▼ -21.00%
• Reading proficiency: 41% ▲ 4.00%
• Median HH income: $33,970
• Composite: 26.68/100
• National rank: #7158
• State rank: #61 of 129 in AL

Livability — Russellville

• Score: 71/100
• State rank: #37
• US rank: #6823

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Russellville, AL
• Population (ZIP): 8,396

Population outlook (Franklin County) Hauer SSP2

• Today (2025): 31,545 people
• By 2030: 31,335 · -0.7%
• By 2040: 30,983 · -1.8%
• By 2050: 30,744 · -2.5%
• By 2075: 30,173 · -4.3%
• By 2100: 29,478 · -6.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 18% Two or more races 8% Black 4% Native American 1%
• Hispanic origin (detail): Mexican 11%
• Common ancestry: Serbian 1% Italian 1% Lithuanian 1%
• Foreign-born: 9% · Canada
• Languages at home: 85% English-only · Spanish 15%

Political lean MEDSL · Franklin

• 2024 margin: Solid R (+73.3) · D 13.0% · R 86.2%
• 2008→2024 swing: -34.1pp toward R · 2008: -39.2pp · 2024: -73.3pp
• All cycles: 2024: R+73.3 2020: R+65.9 2016: R+60.8 2012: R+40.5 2008: R+39.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -8.75%
• Current HPI: 181.7
• 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

2 events — show timeline

• 2026-05-20 Pending — SAARMLS
• 2026-05-14 Listed $38,900 SAARMLS