5784 Highway 25 · Montevallo, AL 35115

$75,000

3 bd · 1.0 ba · 1,093 sqft · SingleFamily public records · 357 Days on market

Built 1940 0.84 ac lot $69/sqft · 34% below area Est $114k · 34% under

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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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• Schools +3.9/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor special! Property includes a home in poor condition and a detached shed on a spacious lot. Being sold AS-IS. House needs full renovation or teardown value is in the land and existing utilities (power, water, septic). Great potential for redevelopment or fixer-upper project. Per county, commercial use may be possible with rezoning buyer to verify all zoning and intended use with Shelby County

Key facts

• Existing utilities
• Spacious lot
• Full renovation

Tags

• DETACHED SHED
• SPACIOUS LOT
• FULL RENOVATION
• TEARDOWN VALUE
• EXISTING UTILITIES
• REDEVELOPMENT POTENTIAL

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $402 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.7% vs local median 3.7% in Montevallo — 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 62/100 on livability (#217 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime A, housing B+; Watch: schools D+, amenities F, commute F.
• Shelby County (suburban): math 30% / reading 58% proficiency, ranked #16 of 129 in AL (top 12%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 114 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 987 units permitted in Shelby County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Shelby County population projected at +23% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 357 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 3 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

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 58% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 357 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — 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. 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?
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: 1.45% ✓
• Cap rate: 12.73%
• Cash-on-cash: 22.99%
• DSCR: 2.02
• GRM: 5.7

CMA / ARV

• ARV (median comp): $114,496
• List price: $75,000
• Delta: -34.50%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 15.9%
• Equity multiple: 1.64×
• Total profit: $13,455
• Equity at exit: $11,183

10-year hold

• IRR: 24.5%
• Equity multiple: 3.13×
• Total profit: $44,633
• Equity at exit: $6,485

Cash invested: $21,000 (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 35115

• Home prices YoY: -19.3%
• Active inventory: 114
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,088 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$32 /mo · $390/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$228
• Net cashflow: $402

Break-even live

Break-even rent $579

Max offer price $75,000

Occupancy floor 58%

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
430 Canterbury Rd Unit F Montevallo, AL	2.0	2.0	960	$1,130	$1.18	10d	1	1.47mi
210 Oxford Cir Montevallo, AL	3.0	2.0	1100	$1,050	$0.95	2d	1	1.50mi

Listing history 20 events

1. 2026-06-18
   days on market $75,000 Active 357 DOM
2. 2026-06-17
   days on market $75,000 Active 356 DOM
3. 2026-06-16
   days on market $75,000 Active 355 DOM
4. 2026-06-15
   days on market $75,000 Active 354 DOM
5. 2026-06-13
   days on market $75,000 Active 352 DOM
6. 2026-06-13
   days on market $75,000 Active 351 DOM
7. 2026-06-10
   days on market $75,000 Active 349 DOM
8. 2026-06-09
   days on market $75,000 Active 348 DOM
9. 2026-06-08
   days on market $75,000 Active 347 DOM
10. 2026-06-07
    days on market $75,000 Active 346 DOM
11. 2026-06-05
    days on market $75,000 Active 343 DOM
12. 2026-06-03
    days on market $75,000 Active 342 DOM
13. 2026-06-02
    days on market $75,000 Active 341 DOM
14. 2026-06-01
    days on market $75,000 Active 340 DOM
15. 2026-05-31
    days on market $75,000 Active 339 DOM
16. 2025-11-12
    status Active 413-char remark

    Show marketing remark (413 chars)

    Investor special! Property includes a home in poor condition and a detached shed on a spacious lot. Being sold AS-IS. House needs full renovation or teardown value is in the land and existing utilities (power, water, septic). Great potential for redevelopment or fixer-upper project. Per county, commercial use may be possible with rezoning buyer to verify all zoning and intended use with Shelby County

17. 2025-10-27
    historical Contingent 413-char remark

    Show marketing remark (413 chars)

    Investor special! Property includes a home in poor condition and a detached shed on a spacious lot. Being sold AS-IS. House needs full renovation or teardown value is in the land and existing utilities (power, water, septic). Great potential for redevelopment or fixer-upper project. Per county, commercial use may be possible with rezoning buyer to verify all zoning and intended use with Shelby County

18. 2025-10-07
    status Active 413-char remark

    Show marketing remark (413 chars)

    Investor special! Property includes a home in poor condition and a detached shed on a spacious lot. Being sold AS-IS. House needs full renovation or teardown value is in the land and existing utilities (power, water, septic). Great potential for redevelopment or fixer-upper project. Per county, commercial use may be possible with rezoning buyer to verify all zoning and intended use with Shelby County

19. 2025-09-20
    historical Contingent 413-char remark

    Show marketing remark (413 chars)

    Investor special! Property includes a home in poor condition and a detached shed on a spacious lot. Being sold AS-IS. House needs full renovation or teardown value is in the land and existing utilities (power, water, septic). Great potential for redevelopment or fixer-upper project. Per county, commercial use may be possible with rezoning buyer to verify all zoning and intended use with Shelby County

20. 2025-06-26
    listed $75,000 Active 413-char remark

    Show marketing remark (413 chars)

    Investor special! Property includes a home in poor condition and a detached shed on a spacious lot. Being sold AS-IS. House needs full renovation or teardown value is in the land and existing utilities (power, water, septic). Great potential for redevelopment or fixer-upper project. Per county, commercial use may be possible with rezoning buyer to verify all zoning and intended use with Shelby County

ⓘ 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: $390 · $32/mo
• Projected year-2 tax: $390 · $32/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 ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 58% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,055
• − Mortgage interest: −$4,201
• − Property taxes: −$390
• − Insurance: −$375
• − Repairs & maintenance: −$1,044
• − Management: −$1,044
• − Depreciation: −$2,182
• Taxable income: $3,818
• Est. tax owed @ 24.0%: −$916
• After-tax cash flow: $3,913/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: Shelby County
• NCES district ID: 0103030
• Math proficiency: 30% ▼ -28.00%
• Reading proficiency: 58% ▲ 2.00%
• Median HH income: $66,672
• Composite: 39.29/100
• National rank: #3995
• State rank: #16 of 129 in AL

Livability — Montevallo

• Score: 62/100
• State rank: #217
• US rank: #16530

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 16,911

Population outlook (Shelby County) Hauer SSP2

• Today (2025): 237,024 people
• By 2030: 249,868 · +5.4%
• By 2040: 272,778 · +15.1%
• By 2050: 291,062 · +22.8%
• By 2075: 326,049 · +37.6%
• By 2100: 335,870 · +41.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 59% Hispanic / Latino 21% Black 15% Two or more races 6%
• Hispanic origin (detail): Mexican 19%
• Common ancestry: Slovak 2% Iranian 1% Italian 1%
• Foreign-born: 11% · Canada, China, Jamaica
• Languages at home: 78% English-only · Spanish 21% Chinese 1%

Political lean MEDSL · Shelby

• 2024 margin: Solid R (+40.9) · D 29.0% · R 69.9% · Other 1.1%
• 2008→2024 swing: +12.6pp toward D · 2008: -53.4pp · 2024: -40.9pp
• All cycles: 2024: R+40.9 2020: R+40.4 2016: R+50.3 2012: R+55.6 2008: R+53.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -49.55%
• Current HPI: 207.2205
• 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

5 events — show timeline

• 2025-11-12 Relisted — Greater Alabama MLS
• 2025-10-27 Contingent — Greater Alabama MLS
• 2025-10-07 Relisted — Greater Alabama MLS
• 2025-09-20 Contingent — Greater Alabama MLS
• 2025-06-26 Listed $75,000 Greater Alabama MLS

Property tax history

+14.5%/yr

Latest (2025): $390 · +0.2% YoY. Source: county tax records.