1335 Archers Cove Way · Springville, AL 35146

$270,000

4 bd · 1.0 ba · 1,729 sqft · SingleFamily public records · 51 Days on market

Built 2021 Good condition 10,018 sqft lot Est $303k · 11% under $46/mo HOA · 2% of rent

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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 +14.4/30.0
• ARV discount +12.3/15.0
• DSCR +4.4/10.0
• Condition / age +4.0/5.0
• Livability +3.6/5.0
• Schools +3.2/10.0
• 1% rule +3.1/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This BEAUTIFUL one level living home provides a large living room, with four spacious bedrooms, 2 full baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. Enjoy early morning coffee or tranquil late evening reflections under the shaded covered patio space. Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk RevWood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. THREE car garage for cars and storage. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

Key facts

• 0.23 acre lot
• 2 garage spots
• Pool

Property features AI

Finance

• Other: Monthly garbage fee ($23)
• Financial info: Down payment assistance available
• HOA & community: Community association with yearly fee; Association fee is $550 per year; Fees include management and recreation facility

Exterior

• Parking: Attached 2-car garage with front entry; Driveway parking
• Utilities: Public water; Connected sewer; Underground utilities; Internet service available
• Home design: Existing construction; 1-side brick and Hardiplank siding; Slab foundation; Located in Archers Cove subdivision
• Construction: Slab foundation; 1-side brick exterior; Hardiplank siding
• Exterior features: Fenced yard; Covered and open patios; Garden/patio area; Community in-ground pool

Interior

• Kitchen: Stone countertops; Kitchen island; Pantry; Built-in dishwasher; Built-in microwave; Refrigerator; Gas stove
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level
• Flooring: Carpet; Vinyl
• Bathrooms: Two full bathrooms; Separate shower and garden tub in master bath; Separate vanities; Linen closet; Shared bath and tub/shower combo
• Heating & cooling: Central heating; Central air; Ceiling fans; Double-paned windows
• Interior features: Smooth ceilings; Recessed lighting; Some window treatments to remain
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup; Gas water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $270k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $53 ($640/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $219k (19.0% below list).
• Recommended offer: $219k (19.0% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 4.3% in Springville — 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 72/100 on livability (#30 in AL) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A-; Watch: amenities F, commute F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Springville Elementary School (math 36% / reading 67%, grade C-, #110 of 627 statewide, top 18%, 978 students, 34% FRL); Springville Middle School (math 26% / reading 63%, grade D, #39 of 257 statewide, top 16%, 578 students, 41% FRL); Springville High School (math 37% / reading 32%, grade F, #47 of 305 statewide, top 17%, 766 students, 33% FRL) — zoned schools at 36% FRL track the district average.
• Market conditions: 172 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 557 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).
• This rent runs 30% of the median local income ($87k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($262k) 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $218,686 (19.0% below list)

Questions for the listing agent

1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
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: 0.81% ✗
• Cap rate: 6.53%
• Cash-on-cash: 0.85%
• DSCR: 1.04
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $302,575
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
395 Archers Brook Dr	0.31mi	4/2.0	1,774 (+3%)	0mo	$318,900	$180	77
471 Archers Brook Ln	0.35mi	4/2.0	1,774 (+3%)	1mo	$298,900	$168	75
451 Archers Brook Ln	0.35mi	4/2.0	1,774 (+3%)	3mo	$304,395	$172	73
361 Archers Brook Ln	0.35mi	4/2.0	1,774 (+3%)	3mo	$307,000	$173	73
945 Archers Trl N	0.18mi	4/2.0	1,497 (-13%)	1mo	$279,000	$186	64
301 Westwood Dr	0.51mi	4/2.0	1,659 (-4%)	4mo	$275,000	$166	62
977 Archers Trl N	0.17mi	4/2.0	1,497 (-13%)	4mo	$272,000	$182	62
400 Archers Brook Dr	0.31mi	4/3.0	1,941 (+12%)	0mo	$339,900	$175	56
375 Archers Brook Dr	0.31mi	4/3.0	1,941 (+12%)	1mo	$329,900	$170	56
421 Archers Brook Ln	0.35mi	4/2.0	1,497 (-13%)	5mo	$269,900	$180	53
461 Archers Brook Ln	0.35mi	4/2.0	1,497 (-13%)	6mo	$279,900	$187	53
30 Elizabeth Ln	0.74mi	3/2.5 (-1)	1,928 (+12%)	2mo	$308,000	$160	34

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: -15.0%
• Equity multiple: 0.47×
• Total profit: $-40,439
• Equity at exit: $40,258

10-year hold

• IRR: -6.4%
• Equity multiple: 0.59×
• Total profit: $-31,184
• Equity at exit: $23,345

Cash invested: $75,600 (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 35146

• Home prices YoY: -15.8%
• Active inventory: 172
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,187 medium
• Mortgage (P&I): −$1,416
• Tax from tax record: −$100 /mo · $1,198/yr
• Insurance: −$112
• HOA: −$46
• Vacancy / Maint / Mgmt: −$459
• Net cashflow: $53

Break-even live

Break-even rent $2,119

Max offer price $270,000

Occupancy floor 93%

Sensitivity live

Price	-10% $206	-5% $130	+0% $53	+5% $-23	+10% $-100
Rent	-10% $-119	-5% $-33	+0% $53	+5% $140	+10% $226
Rate	-1.0pp $189	-0.5pp $122	base $53	+0.5pp $-17	+1.0pp $-88

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: $67,500
• Closing costs: $8,100
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1448 Archers Cove Way Springville, AL	3.0	2.5	2175	$1,975	$0.91	18d	1	0.13mi
290 Mill Rd Springville, AL	3.0	2.0	1395	$1,551	$1.11	18d	1	1.01mi
337 Grove St Springville, AL	3.0	2.5	1561	$1,805	$1.16	3d	1	1.10mi

HOA detail

• Monthly dues: $46 · $552/yr

Listing history 22 events

1. 2026-06-22
   days on market $270,000 Active 51 DOM
2. 2026-06-18
   days on market $270,000 Active 48 DOM
3. 2026-06-17
   days on market $270,000 Active 47 DOM
4. 2026-06-16
   days on market $270,000 Active 46 DOM
5. 2026-06-15
   days on market $270,000 Active 45 DOM
6. 2026-06-13
   days on market $270,000 Active 43 DOM
7. 2026-06-10
   days on market $270,000 Active 40 DOM
8. 2026-06-09
   days on market $270,000 Active 39 DOM
9. 2026-06-08
   days on market $270,000 Active 38 DOM
10. 2026-06-07
    days on market $270,000 Active 37 DOM
11. 2026-06-03
    days on market $270,000 Active 33 DOM
12. 2026-06-02
    days on market $270,000 Active 32 DOM
13. 2026-06-01
    days on market $270,000 Active 31 DOM
14. 2026-05-31
    days on market $270,000 Active 30 DOM
15. 2026-05-22
    price $270,000
16. 2026-05-01
    listed $280,000 Active
17. 2026-04-25
    historical $280,000
18. 2021-06-25
    soldstatus $254,320 Sold 970-char remark

    Show marketing remark (970 chars)

    This BEAUTIFUL one level living home provides a large living room, with four spacious bedrooms, 2 full baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. Enjoy early morning coffee or tranquil late evening reflections under the shaded covered patio space. Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk RevWood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. THREE car garage for cars and storage. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

19. 2021-04-05
    historical 970-char remark

    Show marketing remark (970 chars)

    This BEAUTIFUL one level living home provides a large living room, with four spacious bedrooms, 2 full baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. Enjoy early morning coffee or tranquil late evening reflections under the shaded covered patio space. Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk RevWood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. THREE car garage for cars and storage. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

20. 2021-03-05
    price $252,900 970-char remark

    Show marketing remark (970 chars)

    This BEAUTIFUL one level living home provides a large living room, with four spacious bedrooms, 2 full baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. Enjoy early morning coffee or tranquil late evening reflections under the shaded covered patio space. Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk RevWood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. THREE car garage for cars and storage. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

21. 2021-02-13
    price $249,900 970-char remark

    Show marketing remark (970 chars)

    This BEAUTIFUL one level living home provides a large living room, with four spacious bedrooms, 2 full baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. Enjoy early morning coffee or tranquil late evening reflections under the shaded covered patio space. Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk RevWood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. THREE car garage for cars and storage. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

22. 2021-02-06
    listed $244,900 Active 970-char remark

    Show marketing remark (970 chars)

    This BEAUTIFUL one level living home provides a large living room, with four spacious bedrooms, 2 full baths, with efficient designs. One of the unique features is the integration of the kitchen, breakfast area and great room that are open and designed for fun family gatherings. Enjoy early morning coffee or tranquil late evening reflections under the shaded covered patio space. Bedroom one is your private getaway with a luxurious bath with a separate shower, soaking garden tub and large walk in closet. Home has stainless steel appliances including side by side fridge and Granite counter tops in kitchen. Mohawk RevWood flooring throughout living areas and ceramic tile in baths and laundry room. Built with energy efficient features to save on your utility bill. Included is a SMART HOME SYSTEM. THREE car garage for cars and storage. Quality materials and workmanship throughout are reasons why you don't want to miss this home! Qualifies for $0 down USDA

ⓘ 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: $1,198 · $100/mo
• Projected year-2 tax: $1,198 · $100/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 · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,242
• − Mortgage interest: −$15,124
• − Property taxes: −$1,198
• − Insurance: −$1,350
• − Repairs & maintenance: −$2,099
• − Management: −$2,099
• − HOA: −$552
• − Depreciation: −$7,855
• Taxable loss: −$4,036
• Est. tax savings @ 24.0%: +$969
• After-tax cash flow: $1,609/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This 2021-built home in Archers Cove is in good condition with fresh paint and updates, making it a great investment opportunity.

Value-add opportunities

• Resale paint exterior — enhances curb appeal
• Rental clean gutters — keeps property in good condition

Renovation cost estimate screening

Value-add ROI direction

• Resale paint exterior — enhances curb appeal ↑
• Rental clean gutters — keeps property in good condition ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Springville

• Score: 72/100
• State rank: #30
• US rank: #6213

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Springville, AL
• County: Saint Clair County · 54,404 people
• City population: 13,973
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 13,973
• Household income: $86,614
• Rent vs Own: 11.8% rent · 88.2% own
• Severe rent burden: 39.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 11% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Slovak 4% Italian 1% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% German/W. Germanic 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.81%
• Current HPI: 228.507
• Rent YoY: —
• Metro: Birmingham-Hoover, 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

+10.2% since first listed

8 events — show timeline

• 2026-05-22 Price Changed $270,000 Greater Alabama MLS
• 2026-05-01 Listed $280,000 Greater Alabama MLS
• 2026-04-25 Coming Soon $280,000 Greater Alabama MLS
• 2021-06-25 Sold (MLS) $254,320 Greater Alabama MLS
• 2021-04-05 Delisted — Greater Alabama MLS
• 2021-03-05 Price Changed $252,900 Greater Alabama MLS
• 2021-02-13 Price Changed $249,900 Greater Alabama MLS
• 2021-02-06 Listed $244,900 Greater Alabama MLS

Property tax history

+15.7%/yr

Latest (2025): $1,198 · +0.0% YoY. Source: county tax records.