319 Jackson Point Cir · Huntsville, AL 35811

$319,900

4 bd · 1.0 ba · 2,049 sqft · SingleFamily public records · 246 Days on market

Built 2021 0.26 ac lot $156/sqft · 12% below area Est $363k · 12% under $42/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).

• ARV discount +12.9/15.0
• Cash flow +7.1/30.0
• Rent growth +4.2/5.0
• Livability +4.1/5.0
• Schools +3.7/10.0
• Condition / age +2.5/5.0
• Appreciation +1.4/10.0
• DSCR +1.3/10.0
• 1% rule +0.9/10.0

Listing remarks MLS

Like new, 4 bedroom, 3 bath full brick home w/3 car garage! This is The Madison floor plan built by D. R. Horton. 9' ceiling, sprinkler system, granite counter tops, gas fireplace and crown molding! Lots of extras have been added by the seller: gutters, storm doors, whirlpool tub, etc. All this in a new neighborhood convenient to all that Huntsville has to offer! Also there is a community clubhouse for you and your family to enjoy with pool and playground!

Key facts

• Gas fireplace
• Whirlpool tub
• Granite counter tops

Tags

• FULL BRICK HOME
• SPRINKLER SYSTEM
• GRANITE COUNTER TOPS
• GAS FIREPLACE
• CROWN MOLDING
• WHIRLPOOL TUB

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $320k.

Deal economics

• At list price, monthly cash flow is $-451 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $240k (24.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (41.2% below list).
• Recommended offer: $188k (41.2% below list) — sets the bar for 1% rule.
• Cap rate 4.6% vs local median 3.8% in Huntsville — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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.
• Madison County (rural): math 27% / reading 56% proficiency, ranked #19 of 129 in AL (top 15%) — 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; 9 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% 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 $2k of loan paydown is wiped out by about $10k 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.

Negotiation context

• It's been on market 246 days — a 12% lower offer ($282k) is reasonable based on typical stale-listing flexibility.
• 4 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: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $188,140 (41.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 246 days. Have you received any prior offers? Is the seller open to a 41% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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. 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?
8. 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.
9. 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.
10. 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: 0.59% ✗
• Cap rate: 4.60%
• Cash-on-cash: -6.04%
• DSCR: 0.73
• GRM: 14.2

CMA / ARV

• ARV (median comp): $363,307
• List price: $319,900
• Delta: -11.95%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
340 Jackson Point Cir	0.16mi	4/3.0	2,019 (-2%)	1mo	$334,900	$166	81
205 Antler Ridge Dr	0.12mi	4/3.0	2,019 (-2%)	4mo	$319,900	$158	81
391 Jackson Point Cir Unit B	0.17mi	5/3.0 (+1)	2,092 (+2%)	2mo	$304,335	$145	74
392 Jackson Point Cir Unit A	0.17mi	5/3.0 (+1)	2,092 (+2%)	2mo	$303,300	$145	74
399 Jackson Point Cir	0.17mi	5/3.0 (+1)	2,092 (+2%)	3mo	$300,900	$144	72
390 Jackson Point Cir Unit A	0.17mi	4/2.0	1,841 (-10%)	2mo	$282,400	$153	69
377 Jackson Point Cir	0.17mi	4/2.0	1,841 (-10%)	3mo	$289,900	$157	69
392 Jackson Point Cir Unit B	0.17mi	4/2.0	1,841 (-10%)	3mo	$283,400	$154	69
393 Jackson Point Cir Unit B	0.17mi	4/2.0	1,841 (-10%)	3mo	$284,900	$155	69
393 Jackson Point Cir Unit A	0.17mi	4/2.0	1,841 (-10%)	4mo	$285,900	$155	68
396 Jackson Point Cir Unit A	0.17mi	4/2.0	1,841 (-10%)	4mo	$284,930	$155	68
168 Ladd Rd	0.42mi	3/2.0 (-1)	1,775 (-13%)	3mo	$290,000	$163	47

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: -23.2%
• Equity multiple: 0.18×
• Total profit: $-73,215
• Equity at exit: $47,698

10-year hold

• IRR: -11.1%
• Equity multiple: 0.24×
• Total profit: $-68,071
• Equity at exit: $27,659

Cash invested: $89,572 (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: 14.2×

Monthly cashflow live

• Estimated rent: $1,881 high
• Mortgage (P&I): −$1,678
• Tax from tax record: −$84 /mo · $1,013/yr
• Insurance: −$133
• HOA: −$42
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $-451

Break-even live

Break-even rent $2,452

Max offer price $240,226

Occupancy floor —

Sensitivity live

Price	-10% $-270	-5% $-360	+0% $-451	+5% $-542	+10% $-632
Rent	-10% $-600	-5% $-525	+0% $-451	+5% $-377	+10% $-302
Rate	-1.0pp $-290	-0.5pp $-370	base $-451	+0.5pp $-534	+1.0pp $-618

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: $79,975
• Closing costs: $9,597
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
227 Falcon Ridge Dr Huntsville, AL	3.0	2.0	1425	$1,591	$1.12	45d	1	0.82mi
300 Addison Ct New Market, AL	4.0	3.0	2167	$1,850	$0.85	15d	1	0.84mi
292 Tercel Dr New Market, AL	4.0	2.0	1608	$1,600	$1.00	45d	1	0.99mi
105 Fellington Ct New Market, AL	4.0	3.0	2103	$2,000	$0.95	22d	1	1.08mi
102 Derbyshire Dr New Market, AL	3.0	2.0	1537	$1,600	$1.04	45d	1	1.14mi
129 Canonbury Dr New Market, AL	4.0	2.0	1886	$1,950	$1.03	45d	1	1.21mi
129 Canonbury Dr New Market, AL	4.0	2.0	1884	$1,900	$1.01	22d	1	1.21mi
228 Tanner Point Dr New Market, AL	3.0	2.0	1645	$1,750	$1.06	45d	1	1.22mi
121 Rolling Green Dr New Market, AL	4.0	2.0	1863	$1,825	$0.98	24d	1	1.27mi

HOA detail

• Monthly dues: $42 · $504/yr
• Likely covers: gaspool

Listing history 21 events

1. 2026-06-18
   days on market $319,900 Active 246 DOM
2. 2026-06-17
   days on market $319,900 Active 245 DOM
3. 2026-06-16
   days on market $319,900 Active 244 DOM
4. 2026-06-15
   days on market $319,900 Active 243 DOM
5. 2026-06-14
   days on market $319,900 Active 241 DOM
6. 2026-06-10
   days on market $319,900 Active 238 DOM
7. 2026-06-09
   days on market $319,900 Active 237 DOM
8. 2026-06-08
   days on market $319,900 Active 236 DOM
9. 2026-06-07
   days on market $319,900 Active 235 DOM
10. 2026-06-02
    days on market $319,900 Active 230 DOM
11. 2026-06-01
    days on market $319,900 Active 229 DOM
12. 2026-05-31
    days on market $319,900 Active 228 DOM
13. 2026-05-30
    days on market $319,900 Active 227 DOM
14. 2026-04-15
    status Active 463-char remark

    Show marketing remark (463 chars)

    Like new, 4 bedroom, 3 bath full brick home w/3 car garage! This is The Madison floor plan built by D. R. Horton. 9' ceiling, sprinkler system, granite counter tops, gas fireplace and crown molding! Lots of extras have been added by the seller: gutters, storm doors, whirlpool tub, etc. All this in a new neighborhood convenient to all that Huntsville has to offer! Also there is a community clubhouse for you and your family to enjoy with pool and playground!

15. 2025-05-16
    listed $319,900 Active 463-char remark

    Show marketing remark (463 chars)

    Like new, 4 bedroom, 3 bath full brick home w/3 car garage! This is The Madison floor plan built by D. R. Horton. 9' ceiling, sprinkler system, granite counter tops, gas fireplace and crown molding! Lots of extras have been added by the seller: gutters, storm doors, whirlpool tub, etc. All this in a new neighborhood convenient to all that Huntsville has to offer! Also there is a community clubhouse for you and your family to enjoy with pool and playground!

16. 2024-10-03
    price $339,900
17. 2024-07-25
    listed $349,900 Active
18. 2021-12-30
    soldstatus $317,855 Sold
19. 2021-09-21
    status Pending
20. 2021-09-02
    price $317,855
21. 2021-08-26
    listed $314,855 Active

ⓘ 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: $1,013 · $84/mo
• Projected year-2 tax: $1,312 · $109/mo
• Expected delta: +$298/yr (+$25/mo · 29.4%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,577
• − Mortgage interest: −$17,919
• − Property taxes: −$1,013
• − Insurance: −$1,600
• − Repairs & maintenance: −$1,806
• − Management: −$1,806
• − HOA: −$504
• − Depreciation: −$9,306
• Taxable loss: −$11,378
• Est. tax savings @ 24.0%: +$2,731
• After-tax cash flow: $-2,682/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: Madison County
• NCES district ID: 0102220
• Math proficiency: 27% ▼ -32.00%
• Reading proficiency: 56% ▼ -1.00%
• Median HH income: $66,058
• Composite: 37.15/100
• National rank: #4483
• State rank: #19 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

• 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

+1.6% since first listed

8 events — show timeline

• 2026-04-15 Relisted — VMLS
• 2025-05-16 Listed $319,900 VMLS
• 2024-10-03 Price Changed $339,900 VMLS
• 2024-07-25 Listed $349,900 VMLS
• 2021-12-30 Sold (MLS) $317,855 VMLS
• 2021-09-21 Pending — VMLS
• 2021-09-02 Price Changed $317,855 VMLS
• 2021-08-26 Listed $314,855 VMLS

Property tax history

+3.8%/yr

Latest (2024): $1,013 · +3.8% YoY. Source: county tax records.