106 E Pondella Dr · Enterprise, AL 36330

$205,000

3 bd · 1.0 ba · 1,630 sqft · SingleFamily public records · 8 Days on market

Built 1983 0.44 ac lot Est $241k · 15% under

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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 +14.5/30.0
• ARV discount +14.3/15.0
• DSCR +4.4/10.0
• Schools +4.3/10.0
• Rent growth +3.5/5.0
• Livability +3.2/5.0
• 1% rule +2.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Privacy, Wood, HOME FEATURES NEW VINYL SIDING IN 2013- NEW ROOF WITH ARCHITECTURAL SHINGLES IN 2013- ALL WALLS AND CEILINGS FRESHLY PAINTED- APPLIANCES ONLY 3 YEARS OLD- NEW CARPET AND TILE- STONE FIREPLACE- NEW SINK AND GARBAGE DISPOSAL- NEW VINYL WINDOWS- AWESOME CERAMIC TILE SHOWER IN BOTH BATHROOMS- SURROUND SOUND- GUNITE SALT SYSTEM POOL AND POOL HOUSE- NEW POOL PUMP. POOL HOUSE IS TO BE SOLD "AS IS". ,

Key facts

• Entertaining space
• Storage building
• Backyard

Tags

• BACKYARD
• POOL
• STORAGE BUILDING
• FAMILY ROOM
• OUTDOOR SPACE
• ENTERTAINING SPACE

Property features AI

Exterior

• Parking: Attached garage with garage door opener
• Utilities: Public water; Septic sewer
• Home design: Single-family residence; One level
• Construction: Vinyl siding
• Exterior features: Covered patio/porch; Private in-ground gunite pool; On waterfront; Storage building/structure

Interior

• Kitchen: Dishwasher; Garbage disposal
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Interior features: Pantry; Ceiling fans; Double pane windows; Stone fireplace (1)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $205k.

Deal economics

• At list price, monthly cash flow is $47 ($560/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 $160k (22.2% below list).
• Recommended offer: $160k (22.2% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 4.1% in Enterprise — 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 (#127 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D, crime F, amenities F.
• Enterprise City (town): math 40% / reading 60% proficiency, ranked #12 of 129 in AL (top 9%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Rucker Boulevard Elementary School (math 41% / reading 58%, grade D, #121 of 627 statewide, top 21%, 483 students, 59% FRL); Coppinville School (math 22% / reading 61%, grade F, #53 of 257 statewide, top 20%, 597 students, 54% FRL); Enterprise High School (math 34% / reading 37%, grade F, #45 of 305 statewide, top 14%, 2,117 students, 44% FRL).
• Market conditions: Rents rising (+3.9%/yr); 444 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 38 units permitted in Dale County in 2024 (0 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 $6k of value loss. Plan a longer hold.
• Dale County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 13y 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 $137k; 49% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% 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 $159,529 (22.2% below list)

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. 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?
3. 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?
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: 0.78% ✗
• Cap rate: 6.57%
• Cash-on-cash: 0.97%
• DSCR: 1.04
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $241,240
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
110 Cristy Ln	0.20mi	3/2.0	1,610 (-1%)	1mo	$249,000	$155	84
110 Palisades Dr	0.10mi	3/2.0	1,551 (-5%)	2mo	$205,000	$132	82
100 E Pondella	0.06mi	3/2.0	1,691 (+4%)	9mo	$200,000	$118	80
212 Clearview Dr	0.29mi	3/2.0	1,726 (+6%)	0mo	$335,000	$194	72
107 Fountain Crst	0.24mi	3/2.0	1,720 (+6%)	5mo	$233,000	$135	72
103 Fountain Crest Dr	0.22mi	3/2.0	1,533 (-6%)	6mo	$270,000	$176	71
103 Coral Way	0.18mi	3/2.0	1,755 (+8%)	7mo	$170,000	$97	69
114 Autumn Way	0.34mi	3/2.0	1,737 (+7%)	7mo	$235,000	$135	63
101 Fountain Crest Dr	0.22mi	4/2.0 (+1)	1,823 (+12%)	2mo	$315,000	$173	59
117 Sagebrush Dr	0.71mi	3/2.0	1,618 (-1%)	4mo	$244,760	$151	58
121 Sagebrush Dr	0.72mi	3/2.0	1,618 (-1%)	4mo	$239,900	$148	58
119 Sagebrush Dr	0.72mi	4/2.0 (+1)	1,774 (+9%)	5mo	$249,900	$141	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 · 3.92% rent growth · sell at horizon

5-year hold

• IRR: -13.9%
• Equity multiple: 0.50×
• Total profit: $-28,860
• Equity at exit: $30,566

10-year hold

• IRR: -3.9%
• Equity multiple: 0.73×
• Total profit: $-15,485
• Equity at exit: $17,725

Cash invested: $57,400 (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 36330

• Home prices YoY: -19.4%
• Rents YoY: 3.9%
• Active inventory: 444
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,595 high
• Mortgage (P&I): −$1,075
• Tax from tax record: −$53 /mo · $638/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$335
• Net cashflow: $47

Break-even live

Break-even rent $1,536

Max offer price $205,000

Occupancy floor 92%

Sensitivity live

Price	-10% $163	-5% $105	+0% $47	+5% $-11	+10% $-69
Rent	-10% $-79	-5% $-16	+0% $47	+5% $110	+10% $173
Rate	-1.0pp $150	-0.5pp $99	base $47	+0.5pp $-6	+1.0pp $-61

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: $51,250
• Closing costs: $6,150
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
203 Coral Way Enterprise, AL	4.0	2.0	1583	$1,950	$1.23	45d	1	0.18mi
3830 Rucker Blvd Enterprise, AL	3.0	2.0	1216	$1,200	$0.99	45d	4	0.32mi
85 Courtyard Way Enterprise, AL	3.0	2.5	1460	$1,375	$0.94	45d	1	1.05mi
102 Commons Dr Enterprise, AL	2.0	2.5	1380	$1,250	$0.91	45d	1	1.13mi
25 Courtyard Way Enterprise, AL	2.0	2.5	1632	$1,250	$0.77	45d	1	1.13mi
212 Dale Ave Enterprise, AL	3.0	2.0	1432	$1,700	$1.19	45d	1	1.15mi
114 Commons Dr Enterprise, AL	2.0	2.5	1380	$1,300	$0.94	45d	1	1.15mi
3101 Achey Dr Enterprise, AL	2.0	1.5	1232	$1,200	$0.97	45d	1	1.17mi
203 Winthrope Ln Enterprise, AL	2.0	2.5	1365	$1,325	$0.97	45d	1	1.20mi
133 Commons Dr Enterprise, AL	3.0	2.5	1400	$1,200	$0.86	45d	1	1.21mi
137 Commons Dr Unit 1 Enterprise, AL	2.0	2.5	1369	$1,100	$0.80	45d	1	1.22mi
155 Wingate Ave Enterprise, AL	2.0	2.0	1600	$1,450	$0.91	45d	1	1.25mi
160 N Springview Dr Enterprise, AL	3.0	2.5	1495	$1,350	$0.90	45d	1	1.28mi
184 N Springview Dr Enterprise, AL	3.0	2.5	1494	$1,350	$0.90	45d	1	1.31mi
206 Myrtlewood Dr Enterprise, AL	3.0	2.0	1155	$1,400	$1.21	45d	1	1.35mi
118 Baldwin Dr Enterprise, AL	3.0	2.5	1494	$1,375	$0.92	45d	1	1.36mi
107 Wakefield Way Enterprise, AL	2.0	2.5	1369	$1,350	$0.99	45d	1	1.37mi
206 Wakefield Way Enterprise, AL	2.0	2.5	1495	$2,635	$1.76	45d	1	1.37mi
102 S Spring View Dr Enterprise, AL	2.0	2.5	1404	$1,300	$0.93	45d	1	1.37mi
12 County Road 738 Enterprise, AL	4.0	2.0	2100	$1,900	$0.90	45d	1	1.38mi
114 S Spring View Dr Enterprise, AL	3.0	2.5	1494	$1,300	$0.87	45d	1	1.39mi

Listing history 8 events

1. 2026-06-22
   days on market $205,000 Active 8 DOM
2. 2026-06-21
   days on market $205,000 Active 7 DOM
3. 2026-06-19
   days on market $205,000 Active 5 DOM
4. 2026-06-18
   days on market $205,000 Active 4 DOM
5. 2026-06-17
   days on market $205,000 Active 3 DOM
6. 2026-06-16
   days on market $205,000 Active 2 DOM
7. 2026-06-15
   remarks 699-char remark
8. 2026-06-15
   listed $205,000 Active 1 DOM

ⓘ 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: $638 · $53/mo
• Projected year-2 tax: $841 · $70/mo
• Expected delta: +$202/yr (+$17/mo · 31.7%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,143
• − Mortgage interest: −$11,483
• − Property taxes: −$638
• − Insurance: −$1,025
• − Repairs & maintenance: −$1,531
• − Management: −$1,531
• − Depreciation: −$5,964
• Taxable loss: −$3,030
• Est. tax savings @ 24.0%: +$727
• After-tax cash flow: $1,287/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: Enterprise City
• NCES district ID: 0101320
• Math proficiency: 40% ▼ -20.00%
• Reading proficiency: 60% ▲ 4.00%
• Median HH income: $51,311
• Composite: 42.83/100
• National rank: #3136
• State rank: #12 of 129 in AL

Livability — Enterprise

• Score: 65/100
• State rank: #127
• US rank: #12953

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enterprise, AL
• County: Coffee County · 39,557 people
• City population: 39,557
• Metro: Enterprise, AL
• Population (ZIP): 39,557
• Household income: $75,765
• Rent vs Own: 32.4% rent · 67.6% own
• Severe rent burden: 1126.0

Population outlook (Dale County) Hauer SSP2

• Today (2025): 46,805 people
• By 2030: 45,176 · -3.5%
• By 2040: 41,523 · -11.3%
• By 2050: 37,575 · -19.7%
• By 2075: 28,931 · -38.2%
• By 2100: 22,172 · -52.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 63% Black 17% Hispanic / Latino 13% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 3%
• Common ancestry: Italian 3% Lithuanian 2% Serbian 2%
• Foreign-born: 6% · Canada, Vietnam, South Korea
• Languages at home: 89% English-only · Spanish 8% German/W. Germanic 2%

Political lean MEDSL · Dale

• 2024 margin: Solid R (+52.3) · D 23.5% · R 75.8%
• 2008→2024 swing: -7.7pp toward R · 2008: -44.6pp · 2024: -52.3pp
• All cycles: 2024: R+52.3 2020: R+46.3 2016: R+50.4 2012: R+42.2 2008: R+44.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -44.44%
• Current HPI: 184.0163
• Rent YoY: ▲ 3.92%
• Metro: Enterprise, 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

+46.5% since first listed

7 events — show timeline

• 2026-06-14 Listed $205,000 SAMLS
• 2014-07-10 Sold (MLS) $137,300 WBR
• 2014-07-10 Sold (MLS) $137,300 MAAR
• 2014-05-06 Listed $137,000 WBR
• 2014-05-06 Listed $137,000 MAAR
• 2013-09-30 Listed $139,900 MAAR
• 2013-09-30 Listed $139,900 WBR

Property tax history

+1.2%/yr

Latest (2025): $638 · +0.0% YoY. Source: county tax records.