107 Winnie Loop · Eufaula, AL 36027

$63,000

2 bd · 1.5 ba · 500 sqft · SingleFamily · 105 Days on market

Built 1995 Good condition 3,920 sqft lot ↓ 20% since listing

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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 +27.3/30.0
• DSCR +9.5/10.0
• ARV discount +7.5/15.0
• 1% rule +7.4/10.0
• Condition / age +3.8/5.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your perfect getaway or full-time residence in this adorable 2-bedroom, 1.5-bath cottage, nestled in a peaceful lakeside subdivision! Just minutes from the water, this home offers the ideal blend of comfort, charm, and convenience. Some the property features are a manicured lawn, 24' x 11' covered deck, covered parking area, a storage building for your outside items, well thought out storage compartments inside and out of both living spaces, and a firepit just off of the deck. The detached and updated RV 5th wheel covered in matching vinyl siding has a spacious kitchen and dining area, 1 /2 bath and bedroom, and tons of storage. Home and RV both have updated electrical plumbing, new floors, new paint, and new windows. Appliances, small appliances, heaters, pots and pans, dishes, utensils, and most furnishings will remain with the home. The yearly association dues include use of the pool, water, trash pickup, and property taxes. Whether you're seeking a weekend retreat, an investment property, or a forever home, this cottage has it all. With its proximity to the lake, outdoor amenities, and inviting charm, it won't stay on the market long!

Key facts

• Covered deck
• Firepit
• Storage building

Tags

• MANICURED LAWN
• COVERED DECK
• COVERED PARKING AREA
• STORAGE BUILDING
• FIREPIT
• DETACHED RV

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $63k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $116 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($782 rent vs $63k).
• Recommended offer: $57k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 3.4% in Eufaula — 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 51/100 on livability (#508 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: schools F, crime F, amenities F.
• Eufaula City (rural): math 10% / reading 38% proficiency, ranked #100 of 129 in AL (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 211 active listings in the ZIP; 34 units permitted in Barbour County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $436 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Barbour County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 105 days — a 9% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $4k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $57,330 (9.0% below list)

Questions for the listing agent

1. It's been on market 105 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 F-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. 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?
7. 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.
8. 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.
9. 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: 1.24% ✓
• Cap rate: 9.76%
• Cash-on-cash: 12.39%
• DSCR: 1.55
• GRM: 6.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -4.2%
• Equity multiple: 0.84×
• Total profit: $-2,793
• Equity at exit: $9,394

10-year hold

• IRR: 5.5%
• Equity multiple: 1.41×
• Total profit: $7,262
• Equity at exit: $5,447

Cash invested: $17,640 (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 36027

• Home prices YoY: -27.1%
• Active inventory: 211
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $782 medium
• Mortgage (P&I): −$330
• Tax est. 1.5%: −$79 /mo · $945/yr
• Insurance: −$26
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$164
• Net cashflow: $116

Break-even live

Break-even rent $635

Max offer price $63,000

Occupancy floor 80%

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: $15,750
• Closing costs: $1,890
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-19
   days on market $63,000 Active 105 DOM
2. 2026-06-18
   days on market $63,000 Active 104 DOM
3. 2026-06-17
   days on market $63,000 Active 103 DOM
4. 2026-06-16
   days on market $63,000 Active 102 DOM
5. 2026-06-15
   days on market $63,000 Active 101 DOM
6. 2026-06-14
   days on market $63,000 Active 99 DOM
7. 2026-06-12
   days on market $63,000 Active 98 DOM
8. 2026-06-09
   days on market $63,000 Active 95 DOM
9. 2026-06-08
   days on market $63,000 Active 94 DOM
10. 2026-06-07
    days on market $63,000 Active 93 DOM
11. 2026-06-07
    days on market $63,000 Active 92 DOM
12. 2026-06-04
    days on market $63,000 Active 89 DOM
13. 2026-06-02
    days on market $63,000 Active 88 DOM
14. 2026-06-01
    days on market $63,000 Active 87 DOM
15. 2026-05-31
    days on market $63,000 Active 86 DOM
16. 2026-05-31
    days on market $63,000 Active 85 DOM
17. 2026-05-18
    price $63,000 1167-char remark

    Show marketing remark (1167 chars)

    Welcome to your perfect getaway or full-time residence in this adorable 2-bedroom, 1.5-bath cottage, nestled in a peaceful lakeside subdivision! Just minutes from the water, this home offers the ideal blend of comfort, charm, and convenience. Some the property features are a manicured lawn, 24' x 11' covered deck, covered parking area, a storage building for your outside items, well thought out storage compartments inside and out of both living spaces, and a firepit just off of the deck. The detached and updated RV 5th wheel covered in matching vinyl siding has a spacious kitchen and dining area, 1 /2 bath and bedroom, and tons of storage. Home and RV both have updated electrical plumbing, new floors, new paint, and new windows. Appliances, small appliances, heaters, pots and pans, dishes, utensils, and most furnishings will remain with the home. The yearly association dues include use of the pool, water, trash pickup, and property taxes. Whether you're seeking a weekend retreat, an investment property, or a forever home, this cottage has it all. With its proximity to the lake, outdoor amenities, and inviting charm, it won't stay on the market long!

18. 2026-03-06
    listed $67,500 Active 1167-char remark

    Show marketing remark (1167 chars)

    Welcome to your perfect getaway or full-time residence in this adorable 2-bedroom, 1.5-bath cottage, nestled in a peaceful lakeside subdivision! Just minutes from the water, this home offers the ideal blend of comfort, charm, and convenience. Some the property features are a manicured lawn, 24' x 11' covered deck, covered parking area, a storage building for your outside items, well thought out storage compartments inside and out of both living spaces, and a firepit just off of the deck. The detached and updated RV 5th wheel covered in matching vinyl siding has a spacious kitchen and dining area, 1 /2 bath and bedroom, and tons of storage. Home and RV both have updated electrical plumbing, new floors, new paint, and new windows. Appliances, small appliances, heaters, pots and pans, dishes, utensils, and most furnishings will remain with the home. The yearly association dues include use of the pool, water, trash pickup, and property taxes. Whether you're seeking a weekend retreat, an investment property, or a forever home, this cottage has it all. With its proximity to the lake, outdoor amenities, and inviting charm, it won't stay on the market long!

19. 2025-10-27
    soldstatus Closed 1089-char remark

    Show marketing remark (1089 chars)

    Welcome to your perfect getaway or full-time residence in this adorable 2-bedroom, 1.5-bath cottage, nestled in a peaceful lakeside subdivision! Just minutes from the water, this home offers the ideal blend of comfort, charm, and convenience. Some the property features are a manicured lawn, 24' x 11' covered deck, covered parking area, a storage building for your outside items, well thought out storage compartments inside and out of both living spaces, and a firepit just off of the deck. The detached and updated RV 5th wheel covered in matching vinyl siding has a spacious kitchen and dining area, 1 /2 bath and bedroom, and tons of storage. Home and RV both have updated electrical plumbing, new floors, new paint, and new windows. Appliances and most furnishings will remain with the home. The yearly association dues include water, trash pickup, and property taxes. Whether you're seeking a weekend retreat, an investment property, or a forever home, this cottage has it all. With its proximity to the lake, outdoor amenities, and inviting charm, it won't stay on the market long!

20. 2025-09-08
    listed $69,500 Active 1089-char remark

    Show marketing remark (1089 chars)

    Welcome to your perfect getaway or full-time residence in this adorable 2-bedroom, 1.5-bath cottage, nestled in a peaceful lakeside subdivision! Just minutes from the water, this home offers the ideal blend of comfort, charm, and convenience. Some the property features are a manicured lawn, 24' x 11' covered deck, covered parking area, a storage building for your outside items, well thought out storage compartments inside and out of both living spaces, and a firepit just off of the deck. The detached and updated RV 5th wheel covered in matching vinyl siding has a spacious kitchen and dining area, 1 /2 bath and bedroom, and tons of storage. Home and RV both have updated electrical plumbing, new floors, new paint, and new windows. Appliances and most furnishings will remain with the home. The yearly association dues include water, trash pickup, and property taxes. Whether you're seeking a weekend retreat, an investment property, or a forever home, this cottage has it all. With its proximity to the lake, outdoor amenities, and inviting charm, it won't stay on the market long!

21. 2025-04-19
    status Active
22. 2025-01-03
    status Active
23. 2024-06-26
    price $69,900
24. 2024-05-28
    price $73,000
25. 2024-05-01
    listed $79,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,379
• − Mortgage interest: −$3,529
• − Property taxes: −$945
• − Insurance: −$1,112
• − Repairs & maintenance: −$750
• − Management: −$750
• − Depreciation: −$1,833
• Taxable income: $459
• Est. tax owed @ 24.0%: −$110
• After-tax cash flow: $1,277/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 75/100 Cosmetic rehab

This 2-bedroom, 1.5-bath cottage is in good condition with recent updates and improvements. It offers a peaceful lakeside setting and is move-in ready with minor cosmetic upgrades to enhance its curb appeal and interior aesthetics.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics.
• Both Landscaping and curb appeal improvements — Enhances property's visual appeal and marketability.
• Both Upgrading flooring to hardwood or tile — Improves durability and adds value for both resale and rental.
• Both Upgrading kitchen appliances — Modernizes the space and adds value for both resale and rental.
• Both Upgrading bathroom fixtures — Enhances functionality and adds value for both resale and rental.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics. ↑
• Both Landscaping and curb appeal improvements — Enhances property's visual appeal and marketability. ↑
• Both Upgrading flooring to hardwood or tile — Improves durability and adds value for both resale and rental. ↑
• Both Upgrading kitchen appliances — Modernizes the space and adds value for both resale and rental. ↑
• Both Upgrading bathroom fixtures — Enhances functionality and adds value for both resale and rental. ↑

ⓘ 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: Eufaula City
• NCES district ID: 0101410
• Math proficiency: 10% ▼ -13.00%
• Reading proficiency: 38% ▲ 4.00%
• Median HH income: $34,467
• Composite: 19.63/100
• National rank: #8743
• State rank: #100 of 129 in AL

Livability — Eufaula

• Score: 51/100
• State rank: #508
• US rank: #25138

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Eufaula, AL
• Population (ZIP): 14,981

Population outlook (Barbour County) Hauer SSP2

• Today (2025): 24,533 people
• By 2030: 23,439 · -4.5%
• By 2040: 21,129 · -13.9%
• By 2050: 18,982 · -22.6%
• By 2075: 14,114 · -42.5%
• By 2100: 9,180 · -62.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: Black 46% White 43% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 1% Serbian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 7%

Political lean MEDSL · Barbour

• 2024 margin: R (+14.7) · D 42.3% · R 57.0%
• 2008→2024 swing: -13.3pp toward R · 2008: -1.4pp · 2024: -14.7pp
• All cycles: 2024: R+14.7 2020: R+7.7 2016: R+5.6 2012: D+2.9 2008: R+1.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.42%
• Current HPI: 151.8238
• 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

-20.3% since first listed

9 events — show timeline

• 2026-05-18 Price Changed $63,000 EBOR
• 2026-03-06 Listed $67,500 EBOR
• 2025-10-27 Sold (MLS) — EBOR
• 2025-09-08 Listed $69,500 EBOR
• 2025-04-19 Relisted — EBOR
• 2025-01-03 Relisted — EBOR
• 2024-06-26 Price Changed $69,900 EBOR
• 2024-05-28 Price Changed $73,000 EBOR
• 2024-05-01 Listed $79,000 EBOR