7405 Brampton Ct · Montgomery, AL 36117

$216,000

3 bd · 2.0 ba · 1,508 sqft · SingleFamily public records · 79 Days on market

Built 1986 8,276 sqft lot $143/sqft · 7% above area Est $203k · 7% over $3/mo HOA

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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 +17.1/30.0
• DSCR +5.3/10.0
• ARV discount +4.5/15.0
• 1% rule +3.5/10.0
• Rent growth +3.2/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to Copperfield living at its finest! Nestled on a quiet cul-de-sac, 7405 Brampton Court offers the perfect blend of comfort, convenience, and functionality in one of Montgomery’s most desirable locations. This well-maintained 3-bedroom, 2-bath home features a thoughtfully designed split floor plan, providing privacy for the main suite while keeping secondary bedrooms comfortably situated. You’ll love the spacious layout, complete with a formal living room and a formal dining room—ideal for entertaining guests or enjoying special family gatherings. The main bedroom serves as a relaxing retreat, featuring a garden tub perfect for unwinding after a long day. Recent updates include: HVAC was replaced in 2025; new hot water heater installed February 2026. Step outside to a fully fenced backyard, offering both privacy and space for outdoor enjoyment—whether it’s pets, play, or peaceful evenings at home. Convenience is key with this prime location! Just minutes from top medical facilities, EastChase Shopping Center, a variety of restaurants, and quick access to Interstate 85. You’ll also appreciate being near Auburn University Montgomery and a wide selection of entertainment venues. Whether you’re looking for your next home or a smart investment, this Copperfield gem checks all the boxes. Schedule your private showing today!

Key facts

• Formal dining room
• Quiet cul-de-sac
• Split floor plan

Tags

• QUIET CUL-DE-SAC
• SPLIT FLOOR PLAN
• FORMAL LIVING ROOM
• FORMAL DINING ROOM
• GARDEN TUB
• FULLY FENCED BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $216k.

Deal economics

• At list price, monthly cash flow is $149 ($2k/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 $183k (15.2% below list).
• Recommended offer: $183k (15.2% below list) — sets the bar for 1% rule.

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: employment D, crime F, amenities D-.
• 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.
• Zoned schools: Halcyon Elementary School (math 8% / reading 31%, grade F, #477 of 627 statewide, top 76%, 615 students, 52% FRL); Park Crossing High School (math 12% / reading 27%, grade F, #169 of 305 statewide, top 59%, 906 students, 53% FRL) — zoned schools average 53% FRL vs 70% district-wide (17 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising (+3.0%/yr); 409 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $1k of loan paydown is wiped out by about $6k 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.

Negotiation context

• It's been on market 79 days — a 6% lower offer ($203k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 24y ago; this cycle's ask has dropped $14k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $120k; list at $216k implies a 80% gain — meaningful room to come down on a strong offer.

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 $183,244 (15.2% below list)

Questions for the listing agent

1. It's been on market 79 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
7. 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.
8. 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.
9. 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: 0.85% ✗
• Cap rate: 7.12%
• Cash-on-cash: 2.96%
• DSCR: 1.13
• GRM: 9.8

CMA / ARV

• ARV (median comp): $202,606
• List price: $216,000
• Delta: 6.61%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7411 S Brampton Ct	0.07mi	3/2.0	1,502 (-0%)	5mo	$212,999	$142	92
7233 Brampton Ln	0.13mi	3/2.0	1,529 (+1%)	1mo	$200,000	$131	91
7150 White Oak Ln	0.13mi	3/2.0	1,528 (+1%)	1mo	$200,000	$131	91
7136 Breckenridge Dr	0.13mi	3/2.0	1,544 (+2%)	3mo	$190,000	$123	88
7164 Breckenridge Dr	0.17mi	3/2.0	1,585 (+5%)	2mo	$225,000	$142	82
406 Fieldstone Ct	0.29mi	3/2.0	1,563 (+4%)	0mo	$239,000	$153	80
7307 Glen Chase Rd	0.18mi	3/2.0	1,576 (+4%)	7mo	$237,000	$150	78
8206 Wexford Trce	0.38mi	3/2.0	1,461 (-3%)	2mo	$215,000	$147	76
7542 Pinnacle Pt	0.34mi	3/2.0	1,574 (+4%)	2mo	$248,900	$158	76
7928 Copperfield Dr	0.44mi	3/2.0	1,544 (+2%)	4mo	$142,000	$92	72
7841 Copperfield Dr	0.36mi	3/2.0	1,401 (-7%)	2mo	$225,000	$161	70
8200 Wexford Trce	0.37mi	3/2.0	1,413 (-6%)	2mo	$227,000	$161	70

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 · 2.99% rent growth · sell at horizon

5-year hold

• IRR: -11.7%
• Equity multiple: 0.58×
• Total profit: $-25,600
• Equity at exit: $32,206

10-year hold

• IRR: -2.6%
• Equity multiple: 0.83×
• Total profit: $-10,494
• Equity at exit: $18,676

Cash invested: $60,480 (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 36117

• Home prices YoY: -20.0%
• Rents YoY: 3.0%
• Active inventory: 409
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,832 high
• Mortgage (P&I): −$1,133
• Tax from tax record: −$73 /mo · $871/yr
• Insurance: −$90
• HOA: −$3
• Vacancy / Maint / Mgmt: −$385
• Net cashflow: $149

Break-even live

Break-even rent $1,643

Max offer price $216,000

Occupancy floor 87%

Sensitivity live

Price	-10% $272	-5% $210	+0% $149	+5% $88	+10% $27
Rent	-10% $5	-5% $77	+0% $149	+5% $222	+10% $294
Rate	-1.0pp $258	-0.5pp $204	base $149	+0.5pp $93	+1.0pp $36

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: $54,000
• Closing costs: $6,480
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7136 Breckenridge Dr Montgomery, AL	4.0	2.0	1544	$1,970	$1.28	45d	1	0.12mi
7117 Stamford Ct Montgomery, AL	3.0	2.0	1527	$1,700	$1.11	15d	1	0.22mi
7528 Pinnacle Ct Montgomery, AL	3.0	2.0	1607	$1,850	$1.15	45d	1	0.37mi
7448 Pinnacle Pt Montgomery, AL	3.0	2.0	1581	$2,000	$1.27	45d	1	0.41mi
280 New Haven Blvd Montgomery, AL	1.0–3.0	1.0–2.0	1175	$1,714	$1.46	15d	18	0.48mi
113 Kentucky Oaks Montgomery, AL	3.0	2.0	1246	$1,600	$1.28	23d	1	0.89mi
135 Hambleton Rd Montgomery, AL	1.0–3.0	1.0–2.0	900	$1,640	$1.82	15d	11	1.00mi
8850 Crosswind Cir Montgomery, AL	1.0–3.0	1.0–2.0	1047	$1,688	$1.61	15d	11	1.05mi
111 Arrowhead Dr Montgomery, AL	3.0	2.0	2234	$2,150	$0.96	23d	1	1.23mi
137 Hillabee Ct Montgomery, AL	3.0	2.0	1881	$1,900	$1.01	45d	1	1.25mi
529 Mitylene Dr Montgomery, AL	3.0	2.0	1463	$1,550	$1.06	23d	1	1.28mi
6637 Ridgeview Cir Montgomery, AL	3.0	2.5	1458	$1,700	$1.17	23d	1	1.32mi
8462 Eastchase Pkwy Montgomery, AL	1.0–3.0	1.0–2.0	1015	$1,796	$1.77	15d	17	1.32mi

HOA detail

• Monthly dues: $3 · $36/yr
• Likely covers: water

Listing history 29 events

1. 2026-06-21
   days on market $216,000 Active 79 DOM
2. 2026-06-18
   days on market $216,000 Active 76 DOM
3. 2026-06-18
   price $216,000 Active 75 DOM
4. 2026-06-17
   days on market $225,000 Active 75 DOM
5. 2026-06-16
   days on market $225,000 Active 74 DOM
6. 2026-06-15
   days on market $225,000 Active 73 DOM
7. 2026-06-14
   days on market $225,000 Active 71 DOM
8. 2026-06-13
   days on market $225,000 Active 70 DOM
9. 2026-06-10
   days on market $225,000 Active 68 DOM
10. 2026-06-09
    days on market $225,000 Active 67 DOM
11. 2026-06-08
    days on market $225,000 Active 66 DOM
12. 2026-06-07
    days on market $225,000 Active 65 DOM
13. 2026-06-03
    days on market $225,000 Active 61 DOM
14. 2026-06-02
    days on market $225,000 Active 60 DOM
15. 2026-06-01
    days on market $225,000 Active 59 DOM
16. 2026-05-31
    days on market $225,000 Active 58 DOM
17. 2026-05-30
    days on market $225,000 Active 57 DOM
18. 2026-04-03
    listed $230,000 Active 1390-char remark

    Show marketing remark (1390 chars)

    Welcome to Copperfield living at its finest! Nestled on a quiet cul-de-sac, 7405 Brampton Court offers the perfect blend of comfort, convenience, and functionality in one of Montgomery’s most desirable locations. This well-maintained 3-bedroom, 2-bath home features a thoughtfully designed split floor plan, providing privacy for the main suite while keeping secondary bedrooms comfortably situated. You’ll love the spacious layout, complete with a formal living room and a formal dining room—ideal for entertaining guests or enjoying special family gatherings. The main bedroom serves as a relaxing retreat, featuring a garden tub perfect for unwinding after a long day. Recent updates include: HVAC was replaced in 2025; new hot water heater installed February 2026. Step outside to a fully fenced backyard, offering both privacy and space for outdoor enjoyment—whether it’s pets, play, or peaceful evenings at home. Convenience is key with this prime location! Just minutes from top medical facilities, EastChase Shopping Center, a variety of restaurants, and quick access to Interstate 85. You’ll also appreciate being near Auburn University Montgomery and a wide selection of entertainment venues. Whether you’re looking for your next home or a smart investment, this Copperfield gem checks all the boxes. Schedule your private showing today!

19. 2018-03-27
    soldstatus $120,000 438-char remark

    Show marketing remark (438 chars)

    Fantastic find in East Montgomery in Copperfield neighborhood where home is located on a quiet cul-de-sac. This adorable home features many updates including new laminate flooring, new carpet in master bedroom, new light fixtures and new paint in many areas. A/C is less than 1 year old. This home has been loved and well maintained. I think you will be surprised at this gem of a home. Please verify school zones with Board of Education.

20. 2018-03-27
    soldstatus $120,326

    Show marketing remark (438 chars)

    Fantastic find in East Montgomery in Copperfield neighborhood where home is located on a quiet cul-de-sac. This adorable home features many updates including new laminate flooring, new carpet in master bedroom, new light fixtures and new paint in many areas. A/C is less than 1 year old. This home has been loved and well maintained. I think you will be surprised at this gem of a home. Please verify school zones with Board of Education.

21. 2017-03-09
    listed $122,000 438-char remark

    Show marketing remark (438 chars)

    Fantastic find in East Montgomery in Copperfield neighborhood where home is located on a quiet cul-de-sac. This adorable home features many updates including new laminate flooring, new carpet in master bedroom, new light fixtures and new paint in many areas. A/C is less than 1 year old. This home has been loved and well maintained. I think you will be surprised at this gem of a home. Please verify school zones with Board of Education.

22. 2009-04-28
    soldstatus $256,500
23. 2009-04-23
    soldstatus $133,500
24. 2009-01-28
    listed $138,300
25. 2008-04-25
    listed $143,500
26. 2005-05-27
    soldstatus $121,900
27. 2005-04-22
    listed $124,900
28. 2002-05-20
    soldstatus $102,900
29. 2002-03-11
    listed $103,900

ⓘ 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: $871 · $73/mo
• Projected year-2 tax: $886 · $74/mo
• Expected delta: +$15/yr (+$1/mo · 1.7%)

ⓘ 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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,989
• − Mortgage interest: −$12,099
• − Property taxes: −$871
• − Insurance: −$1,080
• − Repairs & maintenance: −$1,759
• − Management: −$1,759
• − HOA: −$36
• − Depreciation: −$6,284
• Taxable loss: −$1,899
• Est. tax savings @ 24.0%: +$456
• After-tax cash flow: $2,248/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): 53,172
• Household income: $74,720
• Rent vs Own: 36.9% rent · 63.1% own
• Severe rent burden: 1742.0

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: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: Black 53% White 34% Asian 8% Two or more races 3% Hispanic / Latino 3%
• Common ancestry: Italian 1% Slovak 1% Lithuanian 1%
• Foreign-born: 9% · South Korea, Canada, China
• Languages at home: 90% English-only · Korean 4% Spanish 3% Other Indo-European 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: ▼ -37.24%
• Current HPI: 148.7728
• Rent YoY: ▲ 2.99%
• 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

+121.4% since first listed

12 events — show timeline

• 2026-04-03 Listed $230,000 MAAR
• 2018-03-27 Sold (Public Records) $120,326 Public Records
• 2018-03-27 Sold (MLS) $120,000 MAAR
• 2017-03-09 Listed $122,000 MAAR
• 2009-04-28 Sold (Public Records) $256,500 Public Records
• 2009-04-23 Sold (MLS) $133,500 MAAR
• 2009-01-28 Listed $138,300 MAAR
• 2008-04-25 Listed $143,500 MAAR
• 2005-05-27 Sold (MLS) $121,900 MAAR
• 2005-04-22 Listed $124,900 MAAR
• 2002-05-20 Sold (MLS) $102,900 MAAR
• 2002-03-11 Listed $103,900 MAAR

Property tax history

+7.2%/yr

Latest (2025): $871 · +7.3% YoY. Source: county tax records.