1086 N Pine St · Loxley, AL 36551

$218,000

4 bd · 1.5 ba · 1,801 sqft · SingleFamily public records · 24 Days on market

Built 1950 0.60 ac lot Est $335k · 35% 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 +18.0/30.0
• ARV discount +15.0/15.0
• DSCR +5.6/10.0
• 1% rule +4.1/10.0
• Schools +3.9/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Absolutely Beautiful remodeled home in the heart of Loxley. Refinished original hardwood floors & solid wood front door are gorgeous and highlight the nostalgic charm, yet the home has an excellent balance of updated appeal. There is much curb appeal to enjoy with this home that sits on 3 lots in a fantastic location with sidewalks, walking distance from ballparks, municipal parks, small town civic center & location of the very popular annual Strawberry Festival. Plenty of bonus space inside that includes a separate dining room, a large utility/mudroom and a bonus room just off the kitchen with built in shelving that can be used as an additional living area, office or dining area. Numerous updates including new roof and windows! There is ample storage off the garage and a storage building in the large fenced backyard area. This is a definite must see!

Key facts

• 0.6 acre lot
• Garage
• Built 1950

Property features AI

Exterior

• Parking: Attached garage (1 covered parking space, 1 total garage space)
• Utilities: Public water (see remarks); Public sewer
• Home design: Single-family residence; One level
• Construction: Brick and wood siding construction
• Exterior features: Covered patio/porch; Storage building/structure; On waterfront

Interior

• Kitchen: Dishwasher; Oven; Range; Refrigerator
• Flooring: Tile flooring; Wood flooring
• Bathrooms: 2 full bathrooms
• Interior features: Double-pane windows; No fireplace

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $218k.

Deal economics

• At list price, monthly cash flow is $188 ($2k/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 $198k (9.4% below list).
• Recommended offer: $198k (9.4% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 4.1% in Loxley — 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 66/100 on livability (#95 in AL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, employment B; Watch: crime D, amenities F, commute F.
• Baldwin County (rural): math 33% / reading 57% proficiency, ranked #18 of 129 in AL (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Loxley Elementary School (math 22% / reading 49%, grade F, #288 of 627 statewide, top 46%, 482 students, 65% FRL); Central Baldwin Middle School (math 17% / reading 49%, grade F, #101 of 257 statewide, top 40%, 757 students, 74% FRL); Robertsdale High School (math 34% / reading 34%, grade F, #53 of 305 statewide, top 18%, 1,450 students, 64% FRL) — zoned schools average 67% FRL vs 38% district-wide (29 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 168 active listings in the ZIP; 3,883 units permitted in Baldwin County in 2024 (481 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Baldwin County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($215k) 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 $155k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $197,538 (9.4% below list)

Questions for the listing agent

1. Built in 1950 — 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. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.91% ✗
• Cap rate: 7.33%
• Cash-on-cash: 3.70%
• DSCR: 1.16
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $334,986
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5109 Glenshire Dr	0.50mi	3/2.0 (-1)	1,755 (-3%)	4mo	$339,000	$193	62
15364 County Road 66	0.38mi	3/2.0 (-1)	1,665 (-8%)	10mo	$260,000	$156	54
2022 W Union Ave	0.32mi	3/2.0 (-1)	1,560 (-13%)	2mo	$294,500	$189	54
4095 B Ave	0.41mi	4/2.5	2,045 (+14%)	1mo	$380,000	$186	53
2018 W Union Ave	0.33mi	3/2.0 (-1)	1,560 (-13%)	8mo	$300,000	$192	49
15616 Vintage St	0.57mi	4/2.5	1,751 (-3%)	22mo	$300,000	$171	46
5131 Glenshire Dr	0.71mi	3/2.0 (-1)	1,977 (+10%)	6mo	$366,900	$186	39
1059 N Alabama St	0.45mi	3/2.0 (-1)	1,532 (-15%)	18mo	$195,000	$127	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -10.5%
• Equity multiple: 0.62×
• Total profit: $-23,385
• Equity at exit: $32,505

10-year hold

• IRR: -1.2%
• Equity multiple: 0.92×
• Total profit: $-5,134
• Equity at exit: $18,849

Cash invested: $61,040 (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 36551

• Home prices YoY: -19.6%
• Active inventory: 168
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,975 medium
• Mortgage (P&I): −$1,143
• Tax from tax record: −$138 /mo · $1,658/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$415
• Net cashflow: $188

Break-even live

Break-even rent $1,737

Max offer price $218,000

Occupancy floor 85%

Sensitivity live

Price	-10% $312	-5% $250	+0% $188	+5% $127	+10% $65
Rent	-10% $32	-5% $110	+0% $188	+5% $266	+10% $344
Rate	-1.0pp $298	-0.5pp $244	base $188	+0.5pp $132	+1.0pp $74

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: $54,500
• Closing costs: $6,540
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-21
   days on market $218,000 Active 24 DOM
2. 2026-06-19
   days on market $218,000 Active 22 DOM
3. 2026-06-18
   days on market $218,000 Active 21 DOM
4. 2026-06-17
   days on market $218,000 Active 20 DOM
5. 2026-06-16
   days on market $218,000 Active 19 DOM
6. 2026-06-15
   days on market $218,000 Active 18 DOM
7. 2026-06-14
   days on market $218,000 Active 16 DOM
8. 2026-06-13
   days on market $218,000 Active 15 DOM
9. 2026-06-10
   days on market $218,000 Active 13 DOM
10. 2026-06-09
    days on market $218,000 Active 12 DOM
11. 2026-06-08
    days on market $218,000 Active 11 DOM
12. 2026-06-07
    days on market $218,000 Active 10 DOM
13. 2026-06-05
    days on market $218,000 Active 7 DOM
14. 2026-06-03
    days on market $218,000 Active 6 DOM
15. 2026-06-02
    days on market $218,000 Active 5 DOM
16. 2026-06-01
    days on market $218,000 Active 4 DOM
17. 2026-05-31
    days on market $218,000 Active 3 DOM
18. 2026-05-30
    days on market $218,000 Active 2 DOM
19. 2026-05-28
    listed $218,000 Active
20. 2017-06-01
    soldstatus $155,192
21. 2017-05-30
    soldstatus $155,000 875-char remark

    Show marketing remark (875 chars)

    Absolutely Beautiful remodeled home in the heart of Loxley. Refinished original hardwood floors & solid wood front door are gorgeous and highlight the nostalgic charm, yet the home has an excellent balance of updated appeal. There is much curb appeal to enjoy with this home that sits on 3 lots in a fantastic location with sidewalks, walking distance from ballparks, municipal parks, small town civic center & location of the very popular annual Strawberry Festival. Plenty of bonus space inside that includes a separate dining room, a large utility/mudroom and a bonus room just off the kitchen with built in shelving that can be used as an additional living area, office or dining area. Numerous updates including new roof and windows! There is ample storage off the garage and a storage building in the large fenced backyard area. This is a definite must see!

22. 2017-04-04
    listed $155,000 875-char remark

    Show marketing remark (875 chars)

    Absolutely Beautiful remodeled home in the heart of Loxley. Refinished original hardwood floors & solid wood front door are gorgeous and highlight the nostalgic charm, yet the home has an excellent balance of updated appeal. There is much curb appeal to enjoy with this home that sits on 3 lots in a fantastic location with sidewalks, walking distance from ballparks, municipal parks, small town civic center & location of the very popular annual Strawberry Festival. Plenty of bonus space inside that includes a separate dining room, a large utility/mudroom and a bonus room just off the kitchen with built in shelving that can be used as an additional living area, office or dining area. Numerous updates including new roof and windows! There is ample storage off the garage and a storage building in the large fenced backyard area. This is a definite must see!

23. 2008-09-10
    soldstatus $129,895

ⓘ 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: $1,658 · $138/mo
• Projected year-2 tax: $1,658 · $138/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 9/10 Extreme 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,705
• − Mortgage interest: −$12,211
• − Property taxes: −$1,658
• − Insurance: −$1,090
• − Repairs & maintenance: −$1,896
• − Management: −$1,896
• − Depreciation: −$6,342
• Taxable loss: −$1,390
• Est. tax savings @ 24.0%: +$334
• After-tax cash flow: $2,593/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: Baldwin County
• NCES district ID: 0100270
• Math proficiency: 33% ▼ -26.00%
• Reading proficiency: 57% ▲ 1.00%
• Median HH income: $50,677
• Composite: 38.61/100
• National rank: #4157
• State rank: #18 of 129 in AL

Livability — Loxley

• Score: 66/100
• State rank: #95
• US rank: #11346

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Loxley, AL
• Population (ZIP): 12,915

Population outlook (Baldwin County) Hauer SSP2

• Today (2025): 248,264 people
• By 2030: 270,315 · +8.9%
• By 2040: 312,967 · +26.1%
• By 2050: 352,262 · +41.9%
• By 2075: 438,841 · +76.8%
• By 2100: 487,736 · +96.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 15% Hispanic / Latino 6% Two or more races 3% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Italian 1% Lithuanian 1% Slovak 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Baldwin

• 2024 margin: Solid R (+58.2) · D 20.5% · R 78.7%
• 2008→2024 swing: -6.7pp toward R · 2008: -51.5pp · 2024: -58.2pp
• All cycles: 2024: R+58.2 2020: R+53.8 2016: R+57.8 2012: R+55.8 2008: R+51.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.18%
• Current HPI: 291.8584
• 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

+67.8% since first listed

5 events — show timeline

• 2026-05-28 Listed $218,000 SAMLS
• 2017-06-01 Sold (Public Records) $155,192 Public Records
• 2017-05-30 Sold (MLS) $155,000 BCAR
• 2017-04-04 Listed $155,000 BCAR
• 2008-09-10 Sold (Public Records) $129,895 Public Records

Property tax history

+16.2%/yr

Latest (2025): $1,658 · +0.0% YoY. Source: county tax records.