555 5th St NW · Arab, AL 35016

$100,000

3 bd · 1.0 ba · 1,339 sqft · SingleFamily public records · 22 Days on market

Built 1951 8,712 sqft lot

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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 +29.7/30.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.3/10.0
• Schools +4.7/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This super cute remodeled home has 3 bedrooms and 1 updated bath, large living room, dining room and an office area. Hardwood floors, new metal roof, new water heater, fresh paint and a front porch swing that is just waiting for you! Step out to the fenced back yard and you'll find a great workshop, storage shed and an oversized concrete carport. Located in the middle of Arab and convenient to shopping and schools.

Key facts

• Metal roof
• Flexible office area
• Large living room

Tags

• LARGE LIVING ROOM
• DEDICATED DINING ROOM
• FLEXIBLE OFFICE AREA
• HARDWOOD FLOORS
• UPDATED BATHROOM
• METAL ROOF

Property features AI

Finance

• Other: Parcel ID included in public records; Approximately 0.2 acre lot; Located in TIDMORE ADDITION subdivision
• HOA & community: No association fees

Exterior

• Parking: Driveway parking
• Utilities: Public water; Septic system; Electric water heater; Internet service availability unknown
• Home design: Existing single-family-style home
• Construction: Vinyl siding; Crawl space foundation
• Exterior features: Front porch

Interior

• Kitchen: Dishwasher (built-in); Refrigerator; Electric stove
• Bedrooms: Three bedrooms, all on the main level
• Flooring: Vinyl flooring
• Bathrooms: One full bathroom with tub/shower combo (main level)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Smooth ceilings; Solid surface kitchen countertops; No interior special features listed
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry located on the main level in a closet

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $365 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.7% vs local median 3.0% in Arab — 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 64/100 on livability (#149 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D, amenities F.
• Arab City (rural): math 47% / reading 64% proficiency, ranked #9 of 129 in AL (top 7%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Arab Primary School (702 students, 44% FRL); Arab High School (math 37% / reading 47%, grade F, #28 of 305 statewide, top 10%, 779 students, 40% FRL).
• Zoned-school proficiency averages 42% at this address vs 56% district-wide (-14 pts) — the specific schools serving this property underperform the Arab City average; the district grade overstates school quality for this exact location.
• Market conditions: 178 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 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 $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y 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 $72k; 39% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $98,500 (1.5% below list)

Questions for the listing agent

1. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Crime grade is D 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?
4. 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.
5. 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.
6. 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: 1.23% ✓
• Cap rate: 10.67%
• Cash-on-cash: 15.63%
• DSCR: 1.70
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $214,240
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
606 N Main St	0.28mi	3/1.5	1,375 (+3%)	12mo	$194,900	$142	71
104 Guntersville Rd	0.37mi	3/1.0	1,224 (-9%)	3mo	$160,000	$131	66
853 NW 4th Ave	0.54mi	3/1.0	1,248 (-7%)	3mo	$200,000	$160	61
872 1st Way NE	0.55mi	3/2.0	1,406 (+5%)	3mo	$286,999	$204	59
106 Voltz Dr	0.42mi	3/2.0	1,200 (-10%)	4mo	$205,000	$171	55
204 10th Ave	0.71mi	3/1.0	1,312 (-2%)	11mo	$201,000	$153	55
500 4th St NE	0.64mi	3/1.0	1,219 (-9%)	1mo	$110,000	$90	54
423 Shoal Creek Trl NE	0.73mi	3/2.0	1,417 (+6%)	2mo	$260,000	$183	50
476 NE 2nd St	0.42mi	3/2.0	1,499 (+12%)	8mo	$240,000	$160	50
147 NW 10th St	0.75mi	3/2.0	1,270 (-5%)	12mo	$219,900	$173	43
161 2nd St SW	0.73mi	3/1.0	1,198 (-10%)	13mo	$108,000	$90	38
303 4th Ave NE	0.58mi	3/2.0	1,516 (+13%)	14mo	$257,000	$170	35

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: 6.4%
• Equity multiple: 1.25×
• Total profit: $6,982
• Equity at exit: $14,910

10-year hold

• IRR: 15.7%
• Equity multiple: 2.28×
• Total profit: $35,841
• Equity at exit: $8,646

Cash invested: $28,000 (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 35016

• Home prices YoY: -28.0%
• Active inventory: 178
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,227 high
• Mortgage (P&I): −$524
• Tax from tax record: −$39 /mo · $465/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$258
• Net cashflow: $365

Break-even live

Break-even rent $766

Max offer price $100,000

Occupancy floor 65%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
543 7th Ave NW Arab, AL	2.0	1.0	1126	$1,050	$0.93	21d	1	0.16mi
353 4th Ave NW Arab, AL	3.0	1.0	1092	$1,250	$1.14	2d	1	0.20mi
500 4th St NE Arab, AL	4.0	2.0	1219	$1,350	$1.11	11d	1	0.62mi
249 12th Ave NE Arab, AL	3.0	2.0	1500	$1,500	$1.00	23d	1	0.99mi
320 Jordan Ln SE Arab, AL	3.0	2.0	1418	$1,550	$1.09	13d	1	1.16mi
1608 Old Huntsville Hwy Arab, AL	2.0	2.0	980	$1,195	$1.22	13d	1	1.36mi
28 Arad Thompson Rd NE Arab, AL	3.0	2.0	1314	$1,500	$1.14	11d	1	1.49mi

Listing history 19 events

1. 2026-06-19
   days on market $100,000 Active 22 DOM
2. 2026-06-18
   days on market $100,000 Active 21 DOM
3. 2026-06-17
   days on market $100,000 Active 20 DOM
4. 2026-06-16
   days on market $100,000 Active 19 DOM
5. 2026-06-15
   days on market $100,000 Active 18 DOM
6. 2026-06-14
   days on market $100,000 Active 16 DOM
7. 2026-06-12
   days on market $100,000 Active 15 DOM
8. 2026-06-09
   days on market $100,000 Active 12 DOM
9. 2026-06-08
   days on market $100,000 Active 11 DOM
10. 2026-06-07
    days on market $100,000 Active 10 DOM
11. 2026-06-04
    days on market $100,000 Active 6 DOM
12. 2026-06-02
    days on market $100,000 Active 5 DOM
13. 2026-06-01
    days on market $100,000 Active 4 DOM
14. 2026-05-31
    days on market $100,000 Active 3 DOM
15. 2026-05-31
    days on market $100,000 Active 2 DOM
16. 2026-05-27
    listed $100,000 Active
17. 2018-01-08
    soldstatus $71,807
18. 2018-01-03
    soldstatus $70,000 419-char remark

    Show marketing remark (419 chars)

    This super cute remodeled home has 3 bedrooms and 1 updated bath, large living room, dining room and an office area. Hardwood floors, new metal roof, new water heater, fresh paint and a front porch swing that is just waiting for you! Step out to the fenced back yard and you'll find a great workshop, storage shed and an oversized concrete carport. Located in the middle of Arab and convenient to shopping and schools.

19. 2017-10-25
    listed $74,900 419-char remark

    Show marketing remark (419 chars)

    This super cute remodeled home has 3 bedrooms and 1 updated bath, large living room, dining room and an office area. Hardwood floors, new metal roof, new water heater, fresh paint and a front porch swing that is just waiting for you! Step out to the fenced back yard and you'll find a great workshop, storage shed and an oversized concrete carport. Located in the middle of Arab and convenient to shopping and schools.

ⓘ 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: $465 · $39/mo
• Projected year-2 tax: $465 · $39/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 4/10 Moderate 7 d/yr ≥103°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 21% 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: $14,725
• − Mortgage interest: −$5,602
• − Property taxes: −$465
• − Insurance: −$500
• − Repairs & maintenance: −$1,178
• − Management: −$1,178
• − Depreciation: −$2,909
• Taxable income: $2,894
• Est. tax owed @ 24.0%: −$694
• After-tax cash flow: $3,681/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: Arab City
• NCES district ID: 0100100
• Math proficiency: 47% ▼ -25.00%
• Reading proficiency: 64% ▬ 0.00%
• Median HH income: $42,728
• Composite: 46.58/100
• National rank: #2422
• State rank: #9 of 129 in AL

Livability — Arab

• Score: 64/100
• State rank: #149
• US rank: #13733

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Arab, AL
• City population: 17,435
• Population (ZIP): 17,435

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 (89%)
• Race & ethnicity: White 89% Hispanic / Latino 5% Two or more races 5% Asian 1%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 2% Italian 1% Serbian 1%
• Foreign-born: 2% · Canada, China
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -70.17%
• Current HPI: 180.2225
• 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

+33.5% since first listed

4 events — show timeline

• 2026-05-27 Listed $100,000 Greater Alabama MLS
• 2018-01-08 Sold (Public Records) $71,807 Public Records
• 2018-01-03 Sold (MLS) $70,000 VMLS
• 2017-10-25 Listed $74,900 VMLS

Property tax history

+30.3%/yr

Latest (2018): $465 · +0.0% YoY. Source: county tax records.