8727 Terrell Ct · Mobile, AL 36695

$170,000

3 bd · 2.0 ba · 1,386 sqft · SingleFamily public records · 3 Days on market

Built 2005 4,704 sqft lot Est $219k · 22% 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 +24.5/30.0
• ARV discount +15.0/15.0
• DSCR +7.9/10.0
• 1% rule +5.2/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fixer-upper opportunity in Hamilton Bridges! This 3-bedroom, 2-bath home offers an open floor plan with great potential for customization. The spacious kitchen features stained cabinetry, a pantry, and stainless steel appliances—including refrigerator, dishwasher, range, and microwave—and flows easily into the main living area, making it ideal for future entertaining. Just off the kitchen and breakfast room, enjoy a covered back porch overlooking the backyard. The primary suite includes a private ensuite bath, while two additional bedrooms share a second full hall bath. A storage building provides added space for tools or equipment. Property is being sold as-is, subject to probate court approval, and is available to cash buyers only.

Key facts

• Stained cabinetry
• Open floor plan
• Spacious kitchen

Tags

• OPEN FLOOR PLAN
• SPACIOUS KITCHEN
• STAINED CABINETRY
• COVERED BACK PORCH
• PRIVATE ENSUITE BATH
• STORAGE BUILDING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $349 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Cap rate 8.8% 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 soft (-0.4%/yr); 551 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% 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 $170,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
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: 1.02% ✓
• Cap rate: 8.76%
• Cash-on-cash: 8.80%
• DSCR: 1.39
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $218,988
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8702 Three Dean Way	0.04mi	3/2.0	1,378 (-1%)	7mo	$239,000	$173	92
911 Parliament Ct	0.15mi	3/2.0	1,361 (-2%)	10mo	$208,000	$153	82
8710 Londonderry Ct	0.11mi	3/2.5	1,319 (-5%)	4mo	$204,900	$155	82
8535 Gatwick Ct	0.25mi	3/2.0	1,332 (-4%)	8mo	$237,000	$178	75
8542 Three Dean Way	0.24mi	3/2.0	1,424 (+3%)	11mo	$245,000	$172	75
960 Hamilton Bridges Dr W	0.11mi	3/2.0	1,295 (-7%)	12mo	$205,000	$158	74
8772 Fangorn Rd	0.27mi	3/2.0	1,385 (-0%)	16mo	$214,000	$155	74
1010 E Hamilton Bridges Dr	0.16mi	3/2.0	1,246 (-10%)	8mo	$215,000	$173	69
919 Parliament Ct	0.15mi	3/2.0	1,265 (-9%)	11mo	$200,000	$158	69
8671 Hamilton Bridges Dr S	0.24mi	3/2.0	1,275 (-8%)	13mo	$199,950	$157	65
8722 Fangorn Rd	0.26mi	3/2.0	1,503 (+8%)	17mo	$199,000	$132	60
930 Abilene Dr E	0.75mi	3/2.0	1,385 (-0%)	15mo	$199,900	$144	53

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -6.1%
• Equity multiple: 0.78×
• Total profit: $-10,489
• Equity at exit: $25,348

10-year hold

• IRR: -0.2%
• Equity multiple: 0.99×
• Total profit: $-484
• Equity at exit: $14,698

Cash invested: $47,600 (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 36695

• Home prices YoY: -30.9%
• Rents YoY: -0.4%
• Active inventory: 551
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,739 high
• Mortgage (P&I): −$891
• Tax from tax record: −$62 /mo · $750/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$365
• Net cashflow: $349

Break-even live

Break-even rent $1,297

Max offer price $170,000

Occupancy floor 75%

Sensitivity live

Price	-10% $445	-5% $397	+0% $349	+5% $301	+10% $253
Rent	-10% $212	-5% $280	+0% $349	+5% $418	+10% $486
Rate	-1.0pp $434	-0.5pp $392	base $349	+0.5pp $305	+1.0pp $260

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
791 Copperfield Dr E Mobile, AL	3.0	2.0	1256	$1,495	$1.19	44d	1	0.95mi
1345 Baker Ct Mobile, AL	3.0	2.0	1252	$1,500	$1.20	44d	1	0.95mi
725 Copperfield Dr E Mobile, AL	3.0	2.0	1454	$1,500	$1.03	14d	1	0.96mi
700 Bonneville Dr Mobile, AL	3.0	2.0	1196	$1,600	$1.34	14d	1	1.04mi
9490 Cinder Dr Mobile, AL	3.0	3.0	1783	$1,800	$1.01	14d	1	1.10mi
1718 Calgary Dr W Mobile, AL	4.0	2.0	1830	$2,200	$1.20	44d	1	1.25mi
9650 Trailwood Dr S Mobile, AL	3.0	2.0	1118	$1,275	$1.14	14d	1	1.35mi
945 Schillinger Rd S Mobile, AL	2.0–3.0	2.0–2.5	1809	$2,300	$1.27	44d	1	1.47mi
9760 Royal Woods Dr N Mobile, AL	3.0	2.0	1127	$1,395	$1.24	44d	1	1.48mi

Listing history 4 events

1. 2026-04-07
   status Pending

   Show marketing remark (755 chars)

   Fixer-upper opportunity in Hamilton Bridges! This 3-bedroom, 2-bath home offers an open floor plan with great potential for customization. The spacious kitchen features stained cabinetry, a pantry, and stainless steel appliances—including refrigerator, dishwasher, range, and microwave—and flows easily into the main living area, making it ideal for future entertaining. Just off the kitchen and breakfast room, enjoy a covered back porch overlooking the backyard. The primary suite includes a private ensuite bath, while two additional bedrooms share a second full hall bath. A storage building provides added space for tools or equipment. Property is being sold as-is, subject to probate court approval, and is available to cash buyers only.

2. 2026-04-07
   status Pending 755-char remark

   Show marketing remark (755 chars)

   Fixer-upper opportunity in Hamilton Bridges! This 3-bedroom, 2-bath home offers an open floor plan with great potential for customization. The spacious kitchen features stained cabinetry, a pantry, and stainless steel appliances—including refrigerator, dishwasher, range, and microwave—and flows easily into the main living area, making it ideal for future entertaining. Just off the kitchen and breakfast room, enjoy a covered back porch overlooking the backyard. The primary suite includes a private ensuite bath, while two additional bedrooms share a second full hall bath. A storage building provides added space for tools or equipment. Property is being sold as-is, subject to probate court approval, and is available to cash buyers only.

3. 2026-04-02
   listed $170,000 Active 755-char remark

   Show marketing remark (755 chars)

   Fixer-upper opportunity in Hamilton Bridges! This 3-bedroom, 2-bath home offers an open floor plan with great potential for customization. The spacious kitchen features stained cabinetry, a pantry, and stainless steel appliances—including refrigerator, dishwasher, range, and microwave—and flows easily into the main living area, making it ideal for future entertaining. Just off the kitchen and breakfast room, enjoy a covered back porch overlooking the backyard. The primary suite includes a private ensuite bath, while two additional bedrooms share a second full hall bath. A storage building provides added space for tools or equipment. Property is being sold as-is, subject to probate court approval, and is available to cash buyers only.

4. 2026-04-02
   listed $170,000 Active

   Show marketing remark (755 chars)

   Fixer-upper opportunity in Hamilton Bridges! This 3-bedroom, 2-bath home offers an open floor plan with great potential for customization. The spacious kitchen features stained cabinetry, a pantry, and stainless steel appliances—including refrigerator, dishwasher, range, and microwave—and flows easily into the main living area, making it ideal for future entertaining. Just off the kitchen and breakfast room, enjoy a covered back porch overlooking the backyard. The primary suite includes a private ensuite bath, while two additional bedrooms share a second full hall bath. A storage building provides added space for tools or equipment. Property is being sold as-is, subject to probate court approval, and is available to cash buyers only.

ⓘ 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: $750 · $62/mo
• Projected year-2 tax: $750 · $62/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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,866
• − Mortgage interest: −$9,523
• − Property taxes: −$750
• − Insurance: −$850
• − Repairs & maintenance: −$1,669
• − Management: −$1,669
• − Depreciation: −$4,945
• Taxable income: $1,460
• Est. tax owed @ 24.0%: −$350
• After-tax cash flow: $3,836/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

• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 52,690
• Household income: $76,040
• Rent vs Own: 30.6% rent · 69.4% own
• Severe rent burden: 1619.0

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: Predominantly White (67%)
• Race & ethnicity: White 67% Black 23% Two or more races 5% Hispanic / Latino 5% Asian 2%
• Common ancestry: Lithuanian 3% Italian 2% Slovak 1%
• Foreign-born: 5% · Canada, Vietnam, China
• Languages at home: 94% English-only · Spanish 2% Vietnamese 1% Arabic 1%

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: ▼ -86.28%
• Current HPI: 193.1651
• Rent YoY: ▼ -0.41%
• 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

+0.0% since first listed

4 events — show timeline

• 2026-04-07 Pending — BCAR
• 2026-04-07 Pending — GCMLS AL
• 2026-04-02 Listed $170,000 GCMLS AL
• 2026-04-02 Listed $170,000 BCAR

Property tax history

+3.8%/yr

Latest (2025): $750 · +0.1% YoY. Source: county tax records.