1904 Debow St · Guntersville, AL 35976

$199,900

2 bd · 2.5 ba · 1,332 sqft · SingleFamily public records · 369 Days on market

Built 1940 5,662 sqft lot $150/sqft · at area comps Est $229k · 13% 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 +13.9/30.0
• ARV discount +13.3/15.0
• DSCR +4.2/10.0
• Schools +3.3/10.0
• Livability +3.0/5.0
• 1% rule +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

Key facts

• New plumbing
• Paved driveway
• New electrical

Tags

• FENCED-IN YARD
• PAVED DRIVEWAY
• UPDATED HOME
• NEW ELECTRICAL
• NEW PLUMBING

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-43 ($-520/yr) — negative.
• To cash-flow at today's rent, offer at most $192k (3.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $152k (23.9% below list).
• Recommended offer: $152k (23.9% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 2.1% in Guntersville — 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 59/100 on livability (#323 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime C-, employment C-, schools D.
• Guntersville City (town): math 27% / reading 53% proficiency, ranked #28 of 129 in AL (top 22%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 467 active listings in the ZIP; 163 units permitted in Marshall 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.

Negotiation context

• It's been on market 369 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 8y ago; this cycle's ask has dropped $45k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $155k; 29% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $152,029 (23.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 369 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
3. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. 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.
10. 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.
11. 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: 0.76% ✗
• Cap rate: 6.43%
• Cash-on-cash: 0.50%
• DSCR: 1.02
• GRM: 11.0

CMA / ARV

• ARV (median comp): $229,408
• List price: $199,900
• Delta: -12.86%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2100 Richardson St	0.28mi	2/1.0	1,269 (-5%)	14mo	$152,000	$120	61
1432 Carlisle Ave	0.55mi	3/1.0 (+1)	1,327 (-0%)	3mo	$42,500	$32	60
917 Obrig Ave	0.17mi	2/1.0	1,154 (-13%)	15mo	$250,000	$217	51
1312 Obrig Ave	0.42mi	3/2.0 (+1)	1,469 (+10%)	12mo	$270,000	$184	46
2215 Scott St	0.73mi	2/2.0	1,450 (+9%)	21mo	$215,000	$148	31

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: -17.9%
• Equity multiple: 0.37×
• Total profit: $-35,214
• Equity at exit: $29,806

10-year hold

• IRR: -10.1%
• Equity multiple: 0.38×
• Total profit: $-34,467
• Equity at exit: $17,284

Cash invested: $55,972 (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 35976

• Home prices YoY: -25.1%
• Active inventory: 467
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $1,520 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$46 /mo · $556/yr
• Insurance: −$83
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$319
• Net cashflow: $-43

Break-even live

Break-even rent $1,575

Max offer price $192,244

Occupancy floor 98%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-05-31
   days on market $199,900 Active 369 DOM
2. 2026-05-31
   days on market $199,900 Active 368 DOM
3. 2026-04-14
   price $199,900 575-char remark

   Show marketing remark (575 chars)

   LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

4. 2026-03-31
   price $205,900 575-char remark

   Show marketing remark (575 chars)

   LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

5. 2026-03-02
   status Active 575-char remark

   Show marketing remark (575 chars)

   LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

6. 2026-01-11
   price $209,500 575-char remark

   Show marketing remark (575 chars)

   LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

7. 2025-11-25
   price $215,000 575-char remark

   Show marketing remark (575 chars)

   LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

8. 2025-11-25
   status Active 575-char remark

   Show marketing remark (575 chars)

   LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

9. 2025-09-27
   price $219,900 575-char remark

   Show marketing remark (575 chars)

   LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

10. 2025-07-19
    price $229,900 575-char remark

    Show marketing remark (575 chars)

    LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

11. 2025-06-03
    price $239,000 575-char remark

    Show marketing remark (575 chars)

    LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

12. 2025-05-24
    listed $244,900 Active 575-char remark

    Show marketing remark (575 chars)

    LOCATION! LOCATION! LOCATION! Check out the Charming & Unique 2 Bed, 3 Bath Home in Guntersville City! Just minutes from boat ramps, shopping and outdoor entertainment. This beautifully updated home offers character and comfort with two spacious master bedrooms and three bathrooms. Enjoy cozy evenings by the gas fireplace in the inviting living area. The fenced-in yard is perfect for pets or outdoor entertaining, and the paved driveway adds convenience and curb appeal. Located within Guntersville City Limits—don’t miss this one-of-a-kind opportunity!

13. 2022-11-04
    soldstatus $155,000
14. 2020-08-26
    soldstatus $95,000 Sold 492-char remark

    Show marketing remark (492 chars)

    GREAT LOCATION in downtown Guntersville. 2BD/2.5BA with ceramic tile, recessed lighting, fireplace, custom built cabinets, spacious walk-in closets, large, open-style main bedroom, walkout from main bedroom would be perfect for an upper deck, with a view of mature trees, and gorgeous wisteria in the Spring. Several large walk-in closets, carport, new flower beds with mulch that are ready for your favorite flowers. New HVAC and water heater in Dec. 2018. Call for your private tour today!

15. 2020-08-26
    soldstatus $95,000

    Show marketing remark (492 chars)

    GREAT LOCATION in downtown Guntersville. 2BD/2.5BA with ceramic tile, recessed lighting, fireplace, custom built cabinets, spacious walk-in closets, large, open-style main bedroom, walkout from main bedroom would be perfect for an upper deck, with a view of mature trees, and gorgeous wisteria in the Spring. Several large walk-in closets, carport, new flower beds with mulch that are ready for your favorite flowers. New HVAC and water heater in Dec. 2018. Call for your private tour today!

16. 2020-07-29
    status Pending 492-char remark

    Show marketing remark (492 chars)

    GREAT LOCATION in downtown Guntersville. 2BD/2.5BA with ceramic tile, recessed lighting, fireplace, custom built cabinets, spacious walk-in closets, large, open-style main bedroom, walkout from main bedroom would be perfect for an upper deck, with a view of mature trees, and gorgeous wisteria in the Spring. Several large walk-in closets, carport, new flower beds with mulch that are ready for your favorite flowers. New HVAC and water heater in Dec. 2018. Call for your private tour today!

17. 2020-07-17
    price $109,900 492-char remark

    Show marketing remark (492 chars)

    GREAT LOCATION in downtown Guntersville. 2BD/2.5BA with ceramic tile, recessed lighting, fireplace, custom built cabinets, spacious walk-in closets, large, open-style main bedroom, walkout from main bedroom would be perfect for an upper deck, with a view of mature trees, and gorgeous wisteria in the Spring. Several large walk-in closets, carport, new flower beds with mulch that are ready for your favorite flowers. New HVAC and water heater in Dec. 2018. Call for your private tour today!

18. 2020-07-08
    listed $115,000 Active 492-char remark

    Show marketing remark (492 chars)

    GREAT LOCATION in downtown Guntersville. 2BD/2.5BA with ceramic tile, recessed lighting, fireplace, custom built cabinets, spacious walk-in closets, large, open-style main bedroom, walkout from main bedroom would be perfect for an upper deck, with a view of mature trees, and gorgeous wisteria in the Spring. Several large walk-in closets, carport, new flower beds with mulch that are ready for your favorite flowers. New HVAC and water heater in Dec. 2018. Call for your private tour today!

19. 2018-12-28
    soldstatus $88,360
20. 2018-12-21
    soldstatus $88,000
21. 2018-11-14
    listed $89,750

ⓘ 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: $556 · $46/mo
• Projected year-2 tax: $820 · $68/mo
• Expected delta: +$264/yr (+$22/mo · 47.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 78% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 20% 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: $18,243
• − Mortgage interest: −$11,198
• − Property taxes: −$556
• − Insurance: −$1,797
• − Repairs & maintenance: −$1,459
• − Management: −$1,459
• − Depreciation: −$5,815
• Taxable loss: −$4,041
• Est. tax savings @ 24.0%: +$970
• After-tax cash flow: $450/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: Guntersville City
• NCES district ID: 0101690
• Math proficiency: 27% ▼ -29.00%
• Reading proficiency: 53% ▼ -1.00%
• Median HH income: $39,203
• Composite: 33.36/100
• National rank: #5482
• State rank: #28 of 129 in AL

Livability — Guntersville

• Score: 59/100
• State rank: #323
• US rank: #19857

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Guntersville, AL
• City population: 16,604
• Population (ZIP): 16,604

Population outlook (Marshall County) Hauer SSP2

• Today (2025): 97,402 people
• By 2030: 98,138 · +0.8%
• By 2040: 98,502 · +1.1%
• By 2050: 97,024 · -0.4%
• By 2075: 89,334 · -8.3%
• By 2100: 74,749 · -23.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 6% Two or more races 6% Hispanic / Latino 5%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 2% Serbian 2% Italian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 1%

Political lean MEDSL · Marshall

• 2024 margin: Solid R (+71.7) · D 13.8% · R 85.5%
• 2008→2024 swing: -15.4pp toward R · 2008: -56.4pp · 2024: -71.7pp
• All cycles: 2024: R+71.7 2020: R+68.7 2016: R+69.5 2012: R+60.1 2008: R+56.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -74.75%
• Current HPI: 223.0157
• 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

+122.7% since first listed

19 events — show timeline

• 2026-04-14 Price Changed $199,900 VMLS
• 2026-03-31 Price Changed $205,900 VMLS
• 2026-03-02 Relisted — VMLS
• 2026-01-11 Price Changed $209,500 VMLS
• 2025-11-25 Price Changed $215,000 VMLS
• 2025-11-25 Relisted — VMLS
• 2025-09-27 Price Changed $219,900 VMLS
• 2025-07-19 Price Changed $229,900 VMLS
• 2025-06-03 Price Changed $239,000 VMLS
• 2025-05-24 Listed $244,900 VMLS
• 2022-11-04 Sold (Public Records) $155,000 Public Records
• 2020-08-26 Sold (Public Records) $95,000 Public Records
• 2020-08-26 Sold (MLS) $95,000 VMLS
• 2020-07-29 Pending — VMLS
• 2020-07-17 Price Changed $109,900 VMLS
• 2020-07-08 Listed $115,000 VMLS
• 2018-12-28 Sold (Public Records) $88,360 Public Records
• 2018-12-21 Sold (MLS) $88,000 VMLS
• 2018-11-14 Listed $89,750 VMLS

Property tax history

+9.8%/yr

Latest (2025): $556 · +7.7% YoY. Source: county tax records.