930 County Rd 71 · Jemison, AL 35171

$129,900

3 bd · 2.0 ba · 1,500 sqft · SingleFamily public records

Built 1996 0.75 ac lot Est $240k · 46% under ↓ 18% since listing

---

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 +27.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.8/10.0
• 1% rule +6.5/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

If you are looking for a home with a zero maintenance exterior, then come see this extremely nice home, located just 10 minutes from the interstate in a very quiet and private area of town. It has a 50 year metal roof, a large covered rear deck, vaulted ceilings in the living room, a 1 car carport, with an extra utility room, covered front porch, and more. This 3 bedroom 2 bath home has a huge living room, and kitchen. The living room area could easily hold two complete living room sets. The kitchen offers stainless steel appliances, tons of cabinets, and a separate eating area. The master bedroom and bath are very large, and offer his and her closets. The other bedrooms offer nice size walk in closets, and tons of storage. There is a 24x24 shop outback that has electricity and built in shelving. There is also an extra parking pad for an RV, and it has a power connection to hook up your RV. What more could you want? Come see this rare find today before it gets gone. Bring us an offer!!

Key facts

• 0.75 acre lot
• Parking
• Built 1996

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $393 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Cap rate 9.9% vs local median 4.1% in Jemison — 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 57/100 on livability (#393 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime C-, schools F, amenities F.
• Chilton County (rural): math 15% / reading 34% proficiency, ranked #94 of 129 in AL (top 73%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 35 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 25 units permitted in Chilton County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Chilton County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 0 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 19y ago; this cycle's ask is 9% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 64% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $129,900

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 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?
3. 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.
4. 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.
5. 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: 1.15% ✓
• Cap rate: 9.93%
• Cash-on-cash: 12.97%
• DSCR: 1.58
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $240,000
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
40 County Road 1020	0.34mi	3/2.0	1,495 (-0%)	12mo	$240,000	$161	73
457 Pine Hill Rd	0.30mi	3/2.0	1,595 (+6%)	6mo	$85,000	$53	70
35 County Road 1020	0.37mi	3/2.0	1,465 (-2%)	13mo	$224,000	$153	68
45 County Road 1018	0.33mi	3/2.0	1,412 (-6%)	16mo	$240,000	$170	62
20 1st Ave	0.07mi	4/2.0 (+1)	1,700 (+13%)	18mo	$235,000	$138	55
53 County Road 1072	0.68mi	3/2.0	1,614 (+8%)	2mo	$292,500	$181	53
20 County Road 1020	0.38mi	3/2.0	1,344 (-10%)	23mo	$235,000	$175	45
55 Debra St	0.33mi	3/1.0	1,334 (-11%)	23mo	$149,900	$112	42
23154 Us Highway 31	0.48mi	3/1.0	1,279 (-15%)	9mo	$205,000	$160	42

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: 2.8%
• Equity multiple: 1.11×
• Total profit: $3,950
• Equity at exit: $19,369

10-year hold

• IRR: 12.4%
• Equity multiple: 1.98×
• Total profit: $35,505
• Equity at exit: $11,231

Cash invested: $36,372 (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 35171

• Home prices YoY: -9.8%
• Active inventory: 35
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,495 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$53 /mo · $630/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$314
• Net cashflow: $393

Break-even live

Break-even rent $997

Max offer price $129,900

Occupancy floor 69%

Sensitivity live

Price	-10% $467	-5% $430	+0% $393	+5% $356	+10% $320
Rent	-10% $275	-5% $334	+0% $393	+5% $452	+10% $511
Rate	-1.0pp $459	-0.5pp $426	base $393	+0.5pp $360	+1.0pp $325

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
50 County Road 1020 Unit 1020 Thorsby, AL	3.0	2.0	1801	$1,495	$0.83	17d	1	0.30mi
10 County Rd 1018 Thorsby, AL	4.0	2.0	1620	$1,495	$0.92	44d	1	0.36mi

Listing history 6 events

1. 2017-01-03
   soldstatus $115,000 1000-char remark

   Show marketing remark (1000 chars)

   If you are looking for a home with a zero maintenance exterior, then come see this extremely nice home, located just 10 minutes from the interstate in a very quiet and private area of town. It has a 50 year metal roof, a large covered rear deck, vaulted ceilings in the living room, a 1 car carport, with an extra utility room, covered front porch, and more. This 3 bedroom 2 bath home has a huge living room, and kitchen. The living room area could easily hold two complete living room sets. The kitchen offers stainless steel appliances, tons of cabinets, and a separate eating area. The master bedroom and bath are very large, and offer his and her closets. The other bedrooms offer nice size walk in closets, and tons of storage. There is a 24x24 shop outback that has electricity and built in shelving. There is also an extra parking pad for an RV, and it has a power connection to hook up your RV. What more could you want? Come see this rare find today before it gets gone. Bring us an offer!!

2. 2016-07-29
   listed $119,000 1000-char remark

   Show marketing remark (1000 chars)

   If you are looking for a home with a zero maintenance exterior, then come see this extremely nice home, located just 10 minutes from the interstate in a very quiet and private area of town. It has a 50 year metal roof, a large covered rear deck, vaulted ceilings in the living room, a 1 car carport, with an extra utility room, covered front porch, and more. This 3 bedroom 2 bath home has a huge living room, and kitchen. The living room area could easily hold two complete living room sets. The kitchen offers stainless steel appliances, tons of cabinets, and a separate eating area. The master bedroom and bath are very large, and offer his and her closets. The other bedrooms offer nice size walk in closets, and tons of storage. There is a 24x24 shop outback that has electricity and built in shelving. There is also an extra parking pad for an RV, and it has a power connection to hook up your RV. What more could you want? Come see this rare find today before it gets gone. Bring us an offer!!

3. 2014-11-26
   historical
4. 2014-10-16
   listed $129,900
5. 2007-08-13
   soldstatus $133,900 205-char remark

   Show marketing remark (205 chars)

   Perfect for your family! Large family room, nice kitchen w/ lots of cabinets, Split bedroom plan, nice carport/patio area on back of house, pretty landscaped yards & metal roof. Quiet country living!

6. 2007-05-09
   listed $139,900 205-char remark

   Show marketing remark (205 chars)

   Perfect for your family! Large family room, nice kitchen w/ lots of cabinets, Split bedroom plan, nice carport/patio area on back of house, pretty landscaped yards & metal roof. Quiet country living!

ⓘ 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: $630 · $53/mo
• Projected year-2 tax: $630 · $53/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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 64% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,940
• − Mortgage interest: −$7,276
• − Property taxes: −$630
• − Insurance: −$650
• − Repairs & maintenance: −$1,435
• − Management: −$1,435
• − Depreciation: −$3,779
• Taxable income: $2,735
• Est. tax owed @ 24.0%: −$656
• After-tax cash flow: $4,062/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: Chilton County
• NCES district ID: 0100660
• Math proficiency: 15% ▼ -26.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $41,269
• Composite: 20.73/100
• National rank: #8520
• State rank: #94 of 129 in AL

Livability — Jemison

• Score: 57/100
• State rank: #393
• US rank: #22101

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 8,786
• Population (ZIP): 3,613

Population outlook (Chilton County) Hauer SSP2

• Today (2025): 44,064 people
• By 2030: 43,694 · -0.8%
• By 2040: 42,168 · -4.3%
• By 2050: 39,667 · -10.0%
• By 2075: 31,397 · -28.7%
• By 2100: 21,319 · -51.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 9% Hispanic / Latino 5% Two or more races 5%
• Common ancestry: Italian 3% Slovak 1% Portuguese 1%
• Foreign-born: 0%
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Chilton

• 2024 margin: Solid R (+72.1) · D 13.7% · R 85.8%
• 2008→2024 swing: -14.3pp toward R · 2008: -57.8pp · 2024: -72.1pp
• All cycles: 2024: R+72.1 2020: R+67.4 2016: R+66.6 2012: R+60.3 2008: R+57.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.28%
• Current HPI: 187.4453
• 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

-17.8% since first listed

6 events — show timeline

• 2017-01-03 Sold (MLS) $115,000 Greater Alabama MLS
• 2016-07-29 Listed $119,000 Greater Alabama MLS
• 2014-11-26 Delisted — MAAR
• 2014-10-16 Listed $129,900 MAAR
• 2007-08-13 Sold (MLS) $133,900 MAAR
• 2007-05-09 Listed $139,900 MAAR

Property tax history

-4.5%/yr

Latest (2025): $630 · +8.7% YoY. Source: county tax records.