2214 Kildare St NW · Huntsville, AL 35811

$144,900

3 bd · 1.0 ba · 1,248 sqft · SingleFamily public records · 89 Days on market

Built 1964 7,405 sqft lot $116/sqft · 6% below area Est $155k · 6% under

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Why this score? — see what drove the C+ 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 +22.9/30.0
• ARV discount +10.4/15.0
• DSCR +7.3/10.0
• 1% rule +5.3/10.0
• Rent growth +4.2/5.0
• Livability +4.1/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +1.4/10.0

Listing remarks MLS

Charming brick 1-story home featuring 3 bedrooms and 1 bathroom with great curb appeal! Enjoy relaxing on the covered front porch overlooking the lovely yard. Inside, the home offers a large living room filled with natural light and finished in neutral colors, creating a warm and inviting atmosphere. The kitchen includes a refrigerator, range, and dishwasher and opens to the dining room—perfect for everyday living and entertaining. Laminate flooring runs through the main living areas, while the bedrooms are comfortably carpeted. The updated bathroom features a tile shower/tub combo and a classic pedestal sink. Step outside to a wonderful fenced yard offering plenty of space to relax, play, o

Key facts

• Covered front porch
• Fenced yard
• Large living room

Tags

• COVERED FRONT PORCH
• FENCED YARD
• LARGE LIVING ROOM
• UPDATED BATHROOM
• TILE SHOWER TUB COMBO
• CLASSIC PEDESTAL SINK

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $254 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $145k).
• Recommended offer: $136k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 3.8% in Huntsville — 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 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Huntsville City (urban): math 21% / reading 46% proficiency, ranked #48 of 129 in AL (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+6.8%/yr); 560 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,709 units permitted in Madison County in 2024 (1,186 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 $4k of value loss. Plan a longer hold.
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 6.8% rent growth), your $41k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 89 days — a 6% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 5y 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 $120k; 21% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,206 (6.0% below list)

Questions for the listing agent

1. It's been on market 89 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1964 — 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. 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. 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: 1.03% ✓
• Cap rate: 8.39%
• Cash-on-cash: 7.50%
• DSCR: 1.33
• GRM: 8.1

CMA / ARV

• ARV (median comp): $154,838
• List price: $144,900
• Delta: -6.42%
• 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
116 Mccormick Dr NW	0.16mi	3/2.0	1,274 (+2%)	3mo	$178,250	$140	83
619 Kennan Rd	0.71mi	3/2.0	1,246 (-0%)	1mo	$170,000	$136	62
2602 Waltham Dr NE	0.73mi	3/1.0	1,263 (+1%)	8mo	$140,000	$111	58
410 Oshaughnessy Ave NE	0.70mi	3/1.5	1,176 (-6%)	1mo	$110,000	$94	54
1002 Mckinley Ave NE	0.64mi	3/2.0	1,208 (-3%)	12mo	$375,000	$310	51
2204 E Arbor Dr NW	0.46mi	3/2.0	1,402 (+12%)	9mo	$190,800	$136	46
1121 Mckinley Ave	0.73mi	2/1.0 (-1)	1,315 (+5%)	8mo	$225,000	$171	45
720 Stevens Ave	0.70mi	3/2.0	1,381 (+11%)	1mo	$485,000	$351	45
2310 Lee High Dr	0.49mi	2/1.0 (-1)	1,089 (-13%)	10mo	$190,000	$174	42
412 Oshaughnessy Ave NE	0.70mi	3/2.0	1,400 (+12%)	5mo	$215,000	$154	39
409 Mccullough Ave	0.74mi	3/2.0	1,376 (+10%)	11mo	$280,000	$203	35
801 Halsey Ave	0.60mi	2/1.5 (-1)	1,072 (-14%)	12mo	$130,000	$121	32

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 · 6.81% rent growth · sell at horizon

5-year hold

• IRR: -0.9%
• Equity multiple: 0.96×
• Total profit: $-1,431
• Equity at exit: $21,605

10-year hold

• IRR: 12.2%
• Equity multiple: 2.13×
• Total profit: $45,723
• Equity at exit: $12,528

Cash invested: $40,572 (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 35811

• Home prices YoY: -2.1%
• Rents YoY: 6.8%
• Active inventory: 560
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,487 high
• Mortgage (P&I): −$760
• Tax from tax record: −$101 /mo · $1,212/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$312
• Net cashflow: $254

Break-even live

Break-even rent $1,166

Max offer price $144,900

Occupancy floor 78%

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: $36,225
• Closing costs: $4,347
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2032 Front St NE Huntsville, AL	4.0	2.0	1304	$1,400	$1.07	43d	1	0.18mi
304 Wind Ave NW Huntsville, AL	2.0	1.0	960	$1,095	$1.14	43d	1	0.33mi
2115 Lee High Dr NE Huntsville, AL	3.0	1.0	870	$1,245	$1.43	13d	1	0.36mi
415 Halsey Ave NE Huntsville, AL	2.0	1.0–2.0	818	$1,760	$2.15	13d	20	0.38mi
2601 Academy Dr NW Huntsville, AL	2.0–4.0	1.0–2.0	971	$1,262	$1.30	43d	1	0.48mi
522 Lisa Ln NW Huntsville, AL	4.0	3.0	1025	$1,695	$1.65	43d	1	0.63mi
2809 Academy Dr NW Huntsville, AL	2.0	1.5	900	$950	$1.06	43d	1	0.64mi
1114 Oakwood Ave NE Unit A Huntsville, AL	2.0	1.0	1000	$995	$0.99	13d	1	0.70mi
1107 England St NE Unit A Huntsville, AL	2.0	1.0	956	$1,200	$1.26	43d	1	0.70mi
410 McCullough Ave NE Huntsville, AL	3.0	1.0	1143	$1,500	$1.31	23d	1	0.75mi
202 Beirne Ave NE Huntsville, AL	3.0	1.5	1145	$1,450	$1.27	43d	1	0.78mi
621 Murray Rd NW Huntsville, AL	3.0	1.5	1008	$1,325	$1.31	13d	1	0.79mi
1224 Halsey Ave NE Huntsville, AL	3.0	2.0	1229	$2,000	$1.63	23d	1	0.84mi
611 Ofallon Rd NW Huntsville, AL	3.0	2.0	1350	$3,000	$2.22	23d	1	0.85mi
218 Ward Ave NE Huntsville, AL	2.0	2.0	932	$1,450	$1.56	13d	1	0.85mi
2212 Old Blue Spring Rd NW Unit B Huntsville, AL	2.0	1.0	759	$870	$1.15	23d	1	0.86mi
2212 Old Blue Spring Rd NW Unit A Huntsville, AL	2.0	1.0	970	$970	$1.00	23d	1	0.86mi
1000 Hampton Fall Blvd Huntsville, AL	1.0–3.0	1.0–2.0	1177	$1,451	$1.23	43d	4	0.87mi
3058 Boswell Dr NW Huntsville, AL	4.0	2.0	1450	$1,398	$0.96	43d	1	0.87mi
401 Pratt Ave NE Huntsville, AL	2.0	1.0–2.0	929	$2,290	$2.47	13d	64	0.91mi
1236 Oshaughnessy Ave NE Huntsville, AL	3.0	1.0	950	$1,450	$1.53	23d	1	0.96mi
212 White St NE Huntsville, AL	2.0	1.0	960	$1,095	$1.14	43d	1	0.96mi
402 Walker Ave NE Unit C Huntsville, AL	2.0	1.0	960	$1,000	$1.04	43d	1	0.97mi
1504 Oakwood Ave NE Apt 4 Huntsville, AL	2.0	1.0	800	$995	$1.24	43d	1	1.00mi
510 Lacy St NE Huntsville, AL	2.0	1.0	900	$1,395	$1.55	43d	1	1.02mi
1529 McKinley Ave NE Huntsville, AL	2.0	1.0	884	$1,400	$1.58	43d	1	1.03mi
1423 Stevens Ave NE Huntsville, AL	2.0	1.0	1020	$1,450	$1.42	43d	1	1.03mi
1503 Rison Ave NE Huntsville, AL	2.0	1.0	1070	$1,395	$1.30	43d	1	1.04mi
2640 Blue Spring Rd NW Huntsville, AL	1.0–3.0	1.0–2.0	944	$1,149	$1.22	43d	3	1.06mi
1511 Humes Ave NE Huntsville, AL	3.0	1.0	1053	$1,675	$1.59	23d	1	1.11mi
1602 Rison Ave NE Huntsville, AL	3.0	2.0	1422	$1,750	$1.23	13d	1	1.12mi
1334 Oshaughnessy Ave NE Apt B4 Huntsville, AL	2.0	1.0	732	$800	$1.09	43d	1	1.12mi
203 N Plymouth Rd NW Huntsville, AL	2.0	1.0	796	$1,310	$1.65	13d	1	1.16mi
2416 Hanover Dr NW Huntsville, AL	3.0	2.0	1300	$1,395	$1.07	43d	1	1.17mi
2401 Mount Vernon Rd NW Huntsville, AL	3.0	1.0	950	$1,045	$1.10	43d	1	1.18mi
2211 Penhall Dr NE Huntsville, AL	3.0	1.5	1274	$1,650	$1.30	43d	1	1.19mi
1112 Wellman Ave NE Huntsville, AL	2.0	2.0	957	$1,475	$1.54	13d	1	1.20mi
1122 Wellman Ave NE Unit 4 Huntsville, AL	2.0	1.0	830	$1,645	$1.98	43d	1	1.21mi
1605 McCullough Ave NE Huntsville, AL	2.0	2.0	1100	$2,200	$2.00	13d	1	1.22mi
2219 Jonathan Dr NW Apt C Huntsville, AL	2.0	1.5	850	$850	$1.00	43d	1	1.23mi

Listing history 16 events

1. 2026-06-14
   status $144,900 Pending 89 DOM
2. 2026-06-10
   days on market $144,900 Active 89 DOM
3. 2026-06-09
   days on market $144,900 Active 88 DOM
4. 2026-06-08
   days on market $144,900 Active 87 DOM
5. 2026-06-07
   days on market $144,900 Active 86 DOM
6. 2026-06-03
   days on market $144,900 Active 82 DOM
7. 2026-06-02
   days on market $144,900 Active 81 DOM
8. 2026-06-01
   days on market $144,900 Active 80 DOM
9. 2026-05-31
   days on market $144,900 Active 79 DOM
10. 2026-05-30
    days on market $144,900 Active 78 DOM
11. 2026-03-13
    listed $144,900 Active 706-char remark

    Show marketing remark (706 chars)

    Charming brick 1-story home featuring 3 bedrooms and 1 bathroom with great curb appeal! Enjoy relaxing on the covered front porch overlooking the lovely yard. Inside, the home offers a large living room filled with natural light and finished in neutral colors, creating a warm and inviting atmosphere. The kitchen includes a refrigerator, range, and dishwasher and opens to the dining room—perfect for everyday living and entertaining. Laminate flooring runs through the main living areas, while the bedrooms are comfortably carpeted. The updated bathroom features a tile shower/tub combo and a classic pedestal sink. Step outside to a wonderful fenced yard offering plenty of space to relax, play, o

12. 2021-12-16
    soldstatus $120,000
13. 2021-12-15
    soldstatus $120,000 Sold 81-char remark

    Show marketing remark (81 chars)

    Brick home near historic 5 points! Convenient to downtown, shopping, and dining!

14. 2021-12-04
    status Pending 81-char remark

    Show marketing remark (81 chars)

    Brick home near historic 5 points! Convenient to downtown, shopping, and dining!

15. 2021-11-18
    listed $139,900 Active 81-char remark

    Show marketing remark (81 chars)

    Brick home near historic 5 points! Convenient to downtown, shopping, and dining!

16. 2017-09-22
    soldstatus $47,000

ⓘ 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: $1,212 · $101/mo
• Projected year-2 tax: $1,212 · $101/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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 17% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,847
• − Mortgage interest: −$8,117
• − Property taxes: −$1,212
• − Insurance: −$724
• − Repairs & maintenance: −$1,428
• − Management: −$1,428
• − Depreciation: −$4,215
• Taxable income: $723
• Est. tax owed @ 24.0%: −$173
• After-tax cash flow: $2,870/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: Huntsville City
• NCES district ID: 0101800
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 46% ▬ 0.00%
• Median HH income: $48,264
• Composite: 28.84/100
• National rank: #6647
• State rank: #48 of 129 in AL

Livability — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, AL
• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 31,008
• Household income: $90,812
• Rent vs Own: 22.4% rent · 77.6% own
• Severe rent burden: 517.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 392,086 people
• By 2030: 409,788 · +4.5%
• By 2040: 440,557 · +12.4%
• By 2050: 460,990 · +17.6%
• By 2075: 502,872 · +28.3%
• By 2100: 513,623 · +31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Black 27% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Slovak 2% Italian 2% Serbian 2%
• Foreign-born: 4% · Canada, Vietnam, China
• Languages at home: 95% English-only · Spanish 3% Vietnamese 1%

Political lean MEDSL · Madison

• 2024 margin: Lean R (+9.0) · D 44.7% · R 53.7% · Other 1.6%
• 2008→2024 swing: +6.0pp toward D · 2008: -14.9pp · 2024: -9.0pp
• All cycles: 2024: R+9.0 2020: R+8.0 2016: R+16.8 2012: R+18.7 2008: R+14.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -7.13%
• Current HPI: 332.9423
• Rent YoY: ▲ 6.81%
• Metro: Huntsville, 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

+208.3% since first listed

6 events — show timeline

• 2026-03-13 Listed $144,900 VMLS
• 2021-12-16 Sold (Public Records) $120,000 Public Records
• 2021-12-15 Sold (MLS) $120,000 VMLS
• 2021-12-04 Pending — VMLS
• 2021-11-18 Listed $139,900 VMLS
• 2017-09-22 Sold (Public Records) $47,000 Public Records

Property tax history

+12.2%/yr

Latest (2024): $1,212 · +8.1% YoY. Source: county tax records.