1747 Champion St · Montgomery, AL 36110

$60,000

3 bd · 1.0 ba · 864 sqft · SingleFamily public records · 69 Days on market

Built 1963 7,405 sqft lot $69/sqft · 37% above area Est $44k · 37% 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• 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

?? Investment Opportunity – 1747 Champion St, Montgomery, AL Great opportunity to add to your rental portfolio! This property is located in an established area of Montgomery with strong rental demand. Ideal for investors seeking a cash-flowing asset or a value-add project. Featuring a functional layout and solid structure, this home offers plenty of potential with the right updates. Whether you’re looking to renovate and rent, fix and flip, or hold long-term, this property provides flexibility to fit your investment strategy. Conveniently located near major roads, shopping, and local amenities, making it attractive to future tenants. Sold as-is. Bring all offers!

Key facts

• Strong rental demand
• Near major roads
• Functional layout

Tags

• INVESTMENT OPPORTUNITY
• STRONG RENTAL DEMAND
• FUNCTIONAL LAYOUT
• SOLID STRUCTURE
• CONVENIENTLY LOCATED
• NEAR MAJOR ROADS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $450 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $60k).
• Recommended offer: $56k (6.0% below list) — sets the bar for market timing.
• Cap rate 15.3% 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: 62 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 69% 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 $415 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 + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 69 days — a 6% lower offer ($56k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 25y 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 $51k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $56,400 (6.0% below list)

Questions for the listing agent

1. It's been on market 69 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1963 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.74% ✓
• Cap rate: 15.29%
• Cash-on-cash: 32.15%
• DSCR: 2.43
• GRM: 4.8

CMA / ARV

• ARV (median comp): $43,935
• List price: $60,000
• Delta: 36.57%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1625 Champion St	0.19mi	3/1.0	840 (-3%)	0mo	$72,500	$86	86
298 Broadway St	0.26mi	2/1.0 (-1)	896 (+4%)	2mo	$36,000	$40	75
218 Broadway St	0.17mi	2/1.0 (-1)	960 (+11%)	1mo	$49,000	$51	68
1848 Gibson St	0.36mi	3/1.0	925 (+7%)	7mo	$50,000	$54	66
3560 Manley Dr	0.43mi	3/1.0	950 (+10%)	2mo	$60,000	$63	62
1818 Austin St	0.45mi	3/1.0	925 (+7%)	7mo	$66,980	$72	62
1825 Texas Ct	0.48mi	3/1.0	925 (+7%)	7mo	$50,000	$54	60
1800 Cotton Ct	0.39mi	3/1.0	962 (+11%)	5mo	$62,500	$65	58
3915 Fairground Rd	0.56mi	2/1.0 (-1)	792 (-8%)	6mo	$39,500	$50	50
3123 Fairground Rd	0.65mi	3/1.0	962 (+11%)	2mo	$64,000	$67	49
121 Kiwanis St	0.56mi	3/1.0	735 (-15%)	1mo	$27,000	$37	48
101 Brockway Dr	0.56mi	3/1.0	980 (+13%)	6mo	$16,000	$16	46

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: 27.1%
• Equity multiple: 2.13×
• Total profit: $18,933
• Equity at exit: $8,946

10-year hold

• IRR: 34.7%
• Equity multiple: 4.18×
• Total profit: $53,363
• Equity at exit: $5,188

Cash invested: $16,800 (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 36110

• Home prices YoY: -34.8%
• Active inventory: 62
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,045 high
• Mortgage (P&I): −$315
• Tax from tax record: −$36 /mo · $428/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$219
• Net cashflow: $450

Break-even live

Break-even rent $475

Max offer price $60,000

Occupancy floor 52%

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: $15,000
• Closing costs: $1,800
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3329 Texas St Montgomery, AL	3.0	1.0	1000	$1,100	$1.10	43d	1	0.16mi
218 Broadway St Montgomery, AL	2.0	1.0	960	$895	$0.93	13d	1	0.17mi
216 Gardendale Dr Montgomery, AL	3.0	1.0	900	$850	$0.94	21d	1	0.23mi
298 Broadway St Montgomery, AL	2.0	1.0	896	$900	$1.00	43d	1	0.26mi
341 Chisholm St Montgomery, AL	3.0	1.0	756	$1,195	$1.58	21d	1	0.31mi
3114 Cotton St Montgomery, AL	3.0	1.0	888	$1,100	$1.24	43d	1	0.34mi
2107 Yarbrough Cir Montgomery, AL	3.0	1.0	910	$925	$1.02	43d	1	0.37mi
2111 Yarbrough St Montgomery, AL	3.0	1.0	962	$795	$0.83	43d	1	0.40mi
4010 Vandiver Ct Montgomery, AL	2.0	2.0	630	$1,050	$1.67	43d	1	0.42mi
3042 George B Edmondson Dr Montgomery, AL	3.0	1.0	900	$860	$0.96	43d	1	0.47mi
1817 Texas Ct Montgomery, AL	3.0	1.0	925	$1,050	$1.14	21d	1	0.50mi
16 Garden St Montgomery, AL	3.0	1.5	1008	$775	$0.77	44d	1	0.52mi
3613 Erwin Dr Montgomery, AL	3.0	2.0	1092	$1,250	$1.14	43d	1	0.53mi
207 Destin St Montgomery, AL	3.0	1.0	966	$695	$0.72	21d	1	0.54mi
4029 Chelsea Dr Montgomery, AL	3.0	1.0	1000	$1,200	$1.20	43d	1	0.56mi
2056 Midway St Montgomery, AL	3.0	1.0	1110	$985	$0.89	43d	1	0.67mi
2076 Midway St Montgomery, AL	3.0	1.0	1068	$1,000	$0.94	43d	1	0.70mi
429 Edward St Montgomery, AL	3.0	1.0	828	$1,080	$1.30	13d	1	0.77mi
412 Edward St Montgomery, AL	3.0	1.0	828	$800	$0.97	43d	1	0.77mi
142 W Michigan Ave Montgomery, AL	3.0	1.0	840	$995	$1.18	13d	1	0.78mi
2503 Skyline Ave Montgomery, AL	3.0	1.0	1015	$1,150	$1.13	43d	1	1.02mi
105 Dyas Ct Montgomery, AL	3.0	1.0	1025	$1,095	$1.07	43d	1	1.09mi
1324 Federal Dr Montgomery, AL	2.0	1.0	1000	$1,100	$1.10	43d	1	1.12mi
2006 Harmon St Unit 3 Montgomery, AL	3.0	1.0	800	$500	$0.62	43d	1	1.14mi
3024 Tyler Rd Montgomery, AL	3.0	1.0	892	$725	$0.81	21d	1	1.22mi
408 Briarbrook Dr #204 Montgomery, AL	3.0	2.0	1025	$1,000	$0.98	43d	1	1.24mi
408 Briarbrook Dr Montgomery, AL	3.0	2.0	1025	$960	$0.94	21d	1	1.24mi
325 3rd St Montgomery, AL	2.0	1.0	925	$850	$0.92	43d	1	1.27mi
3070 Tremont St Montgomery, AL	3.0	1.0	1102	$1,450	$1.32	43d	1	1.40mi

Listing history 23 events

1. 2026-06-18
   days on market $60,000 Active 69 DOM
2. 2026-06-17
   days on market $60,000 Active 68 DOM
3. 2026-06-16
   days on market $60,000 Active 67 DOM
4. 2026-06-15
   days on market $60,000 Active 66 DOM
5. 2026-06-14
   days on market $60,000 Active 64 DOM
6. 2026-06-13
   days on market $60,000 Active 63 DOM
7. 2026-06-10
   days on market $60,000 Active 61 DOM
8. 2026-06-09
   days on market $60,000 Active 60 DOM
9. 2026-06-08
   days on market $60,000 Active 59 DOM
10. 2026-06-07
    days on market $60,000 Active 58 DOM
11. 2026-06-03
    days on market $60,000 Active 54 DOM
12. 2026-06-02
    days on market $60,000 Active 53 DOM
13. 2026-06-01
    days on market $60,000 Active 52 DOM
14. 2026-05-31
    days on market $60,000 Active 51 DOM
15. 2026-05-30
    days on market $60,000 Active 50 DOM
16. 2026-04-10
    listed $60,000 Active 686-char remark

    Show marketing remark (686 chars)

    ?? Investment Opportunity – 1747 Champion St, Montgomery, AL Great opportunity to add to your rental portfolio! This property is located in an established area of Montgomery with strong rental demand. Ideal for investors seeking a cash-flowing asset or a value-add project. Featuring a functional layout and solid structure, this home offers plenty of potential with the right updates. Whether you’re looking to renovate and rent, fix and flip, or hold long-term, this property provides flexibility to fit your investment strategy. Conveniently located near major roads, shopping, and local amenities, making it attractive to future tenants. Sold as-is. Bring all offers!

17. 2017-10-18
    soldstatus $50,750
18. 2017-10-10
    soldstatus $29,000 571-char remark

    Show marketing remark (571 chars)

    Beauty inside out. Completely remodeled cute house ready to move in NOW. New paint, ceramic tiles in the kitchen and dining nook. Modern laminate flooring with nice wood floor imitation design all over the house. Remodeled bathroom with new tiles. House is wired for a security alarm. Central AC, programmable thermostat. Yard is huge, easy to maintain with plenty of space for your barbecue evening or family gathering. Come and have a look! Mini-blinds, dishwasher and refrigerator will stay, microwave negotiable. MUST CALL AGENT BEFORE SHOWING. IMPORTANT INFORMATION.

19. 2017-02-22
    listed $36,000 571-char remark

    Show marketing remark (571 chars)

    Beauty inside out. Completely remodeled cute house ready to move in NOW. New paint, ceramic tiles in the kitchen and dining nook. Modern laminate flooring with nice wood floor imitation design all over the house. Remodeled bathroom with new tiles. House is wired for a security alarm. Central AC, programmable thermostat. Yard is huge, easy to maintain with plenty of space for your barbecue evening or family gathering. Come and have a look! Mini-blinds, dishwasher and refrigerator will stay, microwave negotiable. MUST CALL AGENT BEFORE SHOWING. IMPORTANT INFORMATION.

20. 2014-03-12
    listed $29,950
21. 2003-03-05
    soldstatus $35,500
22. 2002-10-22
    listed $39,000
23. 2001-09-23
    listed $43,500

ⓘ 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: $428 · $36/mo
• Projected year-2 tax: $428 · $36/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 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,537
• − Mortgage interest: −$3,361
• − Property taxes: −$428
• − Insurance: −$300
• − Repairs & maintenance: −$1,003
• − Management: −$1,003
• − Depreciation: −$1,745
• Taxable income: $4,697
• Est. tax owed @ 24.0%: −$1,127
• After-tax cash flow: $4,273/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): 12,102
• Household income: $47,315
• Rent vs Own: 50.0% rent · 50.0% own
• Severe rent burden: 753.0

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 (83%)
• Race & ethnicity: Black 83% White 11% Two or more races 3% Asian 2% Hispanic / Latino 1%
• Common ancestry: Hispanic 1%
• Foreign-born: 2% · China, Canada
• Languages at home: 96% English-only · Spanish 2% Other Asian/Pacific 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: ▼ -35.37%
• Current HPI: 66.3114
• Rent YoY: —
• 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

+37.9% since first listed

8 events — show timeline

• 2026-04-10 Listed $60,000 MAAR
• 2017-10-18 Sold (Public Records) $50,750 Public Records
• 2017-10-10 Sold (MLS) $29,000 MAAR
• 2017-02-22 Listed $36,000 MAAR
• 2014-03-12 Listed $29,950 MAAR
• 2003-03-05 Sold (MLS) $35,500 MAAR
• 2002-10-22 Listed $39,000 MAAR
• 2001-09-23 Listed $43,500 MAAR

Property tax history

+4.6%/yr

Latest (2025): $428 · +1.4% YoY. Source: county tax records.