Ramsey Plan · Hazel Green, AL 35750

$270,150

4 bd · 2.0 ba · 1,666 sqft · SingleFamily · 293 Days on market

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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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +5.5/30.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.1/10.0
• DSCR +0.0/10.0

Listing remarks MLS

This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

Key facts

• Intimate dining area
• Walk-in closet
• Single-story design

Tags

• SINGLE-STORY DESIGN
• PENINSULA-STYLE KITCHEN
• INTIMATE DINING AREA
• OWNER'S SUITE
• WALK-IN CLOSET

🏗️ New construction. The $270,150 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $290,984.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $270k.

Deal economics

• At list price, monthly cash flow is $-618 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $202k (25.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (34.7% below list).
• Recommended offer: $176k (34.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#54 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment 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.
• Zoned schools: Hazel Green Elementary School (math 23% / reading 58%, grade F, #238 of 627 statewide, top 38%, 738 students, 50% FRL); Moores Mill Intermediate School (math 42% / reading 66%, grade B-, #20 of 257 statewide, top 8%, 840 students, 46% FRL); Hazel Green High School (math 23% / reading 31%, grade F, #90 of 305 statewide, top 35%, 1,348 students, 42% FRL) — zoned schools average 46% FRL vs 29% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 260 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).
• This rent runs 31% of the median local income ($68k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $31k of equity ($2k loan paydown + $29k appreciation (10.0% local appreciation)).
• Madison County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$50k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 293 days — a 12% lower offer ($238k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 26% 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 $176,278 (34.7% 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 293 days. Have you received any prior offers? Is the seller open to a 35% concession, seller financing, or rate buy-down credit?
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. 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: 0.61% ✗
• Cap rate: 3.74%
• Cash-on-cash: -9.11%
• DSCR: 0.59
• GRM: 13.8

CMA / ARV

• ARV (median comp): $290,984
• List price: $270,150
• Delta: -7.16%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
163 Whitner Dr	0.15mi	4/2.0	1,667 (+0%)	1mo	$249,280	$150	92
168 Keller Dr	0.16mi	3/2.0 (-1)	1,683 (+1%)	3mo	$271,900	$162	84
171 Keller Dr	0.17mi	3/2.0 (-1)	1,683 (+1%)	3mo	$279,000	$166	83
172 Keller Dr	0.18mi	3/2.0 (-1)	1,683 (+1%)	3mo	$269,900	$160	82
189 Tobin Ln	0.23mi	3/2.0 (-1)	1,685 (+1%)	1mo	$250,000	$148	82
169 Keller Dr	0.16mi	3/2.0 (-1)	1,537 (-8%)	1mo	$261,900	$170	74
174 Keller Dr	0.19mi	4/2.0	1,841 (+10%)	1mo	$285,900	$155	73
104 Karenlee Cir	0.16mi	3/2.0 (-1)	1,474 (-12%)	2mo	$251,900	$171	66
233 Tobin Ln	0.40mi	3/2.0 (-1)	1,537 (-8%)	0mo	$240,000	$156	63
309 Keller Dr	0.59mi	3/2.0 (-1)	1,620 (-3%)	2mo	$284,900	$176	61
152 Cherry Laurel Dr	0.65mi	3/2.0 (-1)	1,620 (-3%)	0mo	$259,000	$160	60
298 Keller Dr	0.53mi	3/2.0 (-1)	1,484 (-11%)	2mo	$269,644	$182	51

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.9%
• Equity multiple: 2.46×
• Total profit: $119,123
• Equity at exit: $262,142

10-year hold

• IRR: 16.8%
• Equity multiple: 5.69×
• Total profit: $381,819
• Equity at exit: $565,319

Cash invested: $81,476 (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 35750

• Home prices YoY: 8.2%
• Active inventory: 260
• Price-to-rent: 12.8×

Monthly cashflow live

• Estimated rent: $1,763 high
• Mortgage (P&I): −$1,526
• Tax est. 1.5%: −$364 /mo · $4,365/yr
• Insurance: −$121
• HOA: −$0
• Vacancy / Maint / Mgmt: −$370
• Net cashflow: $-618

Break-even live

Break-even rent $2,545

Max offer price $201,511

Occupancy floor —

Sensitivity live

Price	-10% $-417	-5% $-518	+0% $-618	+5% $-719	+10% $-819
Rent	-10% $-758	-5% $-688	+0% $-618	+5% $-549	+10% $-479
Rate	-1.0pp $-472	-0.5pp $-544	base $-618	+0.5pp $-694	+1.0pp $-770

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: $72,746
• Closing costs: $8,730
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
143 Havner Dr Hazel Green, AL	4.0	2.0	1667	$1,775	$1.06	15d	1	0.15mi
108 Karenlee Cir Hazel Green, AL	4.0	2.0	1666	$1,685	$1.01	25d	1	0.18mi
169 Keller Dr Hazel Green, AL	3.0	2.0	1537	$1,665	$1.08	15d	1	0.18mi
171 Keller Dr Hazel Green, AL	3.0	2.0	1683	$1,616	$0.96	45d	1	0.19mi
147 Tobin Ln Hazel Green, AL	4.0	2.0	1884	$1,700	$0.90	45d	1	0.21mi
189 Tobin Ln Hazel Green, AL	3.0	2.0	1685	$1,775	$1.05	15d	1	0.22mi
236 Cherry Laurel Dr Hazel Green, AL	4.0	3.0	1964	$1,750	$0.89	25d	1	0.31mi
117 Hank Ct Hazel Green, AL	3.0	2.0	1517	$1,650	$1.09	45d	1	0.32mi
137 Hazel Pine Trl Hazel Green, AL	3.0	2.0	1482	$1,650	$1.11	25d	1	0.59mi
100 Brook Glen Dr Hazel Green, AL	3.0	2.0	1336	$1,595	$1.19	15d	1	1.06mi
206 Hailey May Ct Hazel Green, AL	4.0	2.5	1924	$1,745	$0.91	15d	1	1.11mi
202 Hailey May Ct Hazel Green, AL	4.0	2.5	1727	$1,645	$0.95	25d	1	1.14mi
203 Hailey May Ct Hazel Green, AL	4.0	2.0	1797	$1,695	$0.94	25d	1	1.15mi
127 London Calvin Way Hazel Green, AL	4.0	2.5	1727	$1,645	$0.95	15d	1	1.16mi
119 London Calvin Way Hazel Green, AL	4.0	2.5	1924	$1,745	$0.91	15d	1	1.18mi
106 London Calvin Way Hazel Green, AL	4.0	2.0	1797	$1,684	$0.94	45d	1	1.18mi
104 London Calvin Way Hazel Green, AL	4.0	2.5	1971	$1,745	$0.89	25d	1	1.18mi
115 London Calvin Way Hazel Green, AL	4.0	2.5	1971	$1,734	$0.88	45d	1	1.19mi
102 London Calvin Way Hazel Green, AL	4.0	2.5	1924	$1,745	$0.91	25d	1	1.19mi
149 Hazel Trce Hazel Green, AL	3.0	2.0	1628	$1,695	$1.04	15d	1	1.29mi

Listing history 21 events

1. 2026-06-22
   days on market $270,150 Active 293 DOM
2. 2026-06-18
   days on market $270,150 Active 290 DOM
3. 2026-06-17
   days on market $270,150 Active 289 DOM
4. 2026-06-16
   days on market $270,150 Active 288 DOM
5. 2026-06-15
   days on market $270,150 Active 287 DOM
6. 2026-06-14
   days on market $270,150 Active 285 DOM
7. 2026-06-10
   days on market $270,150 Active 282 DOM
8. 2026-06-09
   days on market $270,150 Active 281 DOM
9. 2026-06-08
   days on market $270,150 Active 280 DOM
10. 2026-06-07
    days on market $270,150 Active 279 DOM
11. 2026-06-02
    days on market $270,150 Active 274 DOM
12. 2026-06-01
    days on market $270,150 Active 273 DOM
13. 2026-05-31
    days on market $270,150 Active 272 DOM
14. 2026-05-30
    days on market $270,150 Active 271 DOM
15. 2026-05-02
    price $268,400 414-char remark

    Show marketing remark (414 chars)

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

16. 2026-04-23
    price $263,900 414-char remark

    Show marketing remark (414 chars)

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

17. 2026-03-22
    price $262,400 414-char remark

    Show marketing remark (414 chars)

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

18. 2026-02-20
    price $261,900 414-char remark

    Show marketing remark (414 chars)

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

19. 2026-02-13
    price $261,650 414-char remark

    Show marketing remark (414 chars)

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

20. 2026-01-07
    price $260,900 414-char remark

    Show marketing remark (414 chars)

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

21. 2025-09-01
    listed $259,900 Active 414-char remark

    Show marketing remark (414 chars)

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner's suite with an attached bathroom and walk-in closet.

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 26% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,153
• − Mortgage interest: −$16,300
• − Property taxes: −$4,365
• − Insurance: −$1,455
• − Repairs & maintenance: −$1,692
• − Management: −$1,692
• − Depreciation: −$8,465
• Taxable loss: −$12,816
• Est. tax savings @ 24.0%: +$3,076
• After-tax cash flow: $-4,344/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 — Hazel Green

• Score: 69/100
• State rank: #54
• US rank: #8575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hazel Green, AL
• County: Madison County · 380,832 people
• City population: 13,413
• Metro: Huntsville, AL
• Population (ZIP): 13,413
• Household income: $68,389
• Rent vs Own: 14.7% rent · 85.3% own
• Severe rent burden: 162.0

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: Predominantly White (71%)
• Race & ethnicity: White 71% Black 19% Asian 5% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Serbian 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 2% Chinese 1% Korean 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: ▲ 33.59%
• Current HPI: 444.7418
• Rent YoY: —
• 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

+3.3% since first listed

7 events — show timeline

• 2026-05-02 Price Changed $268,400 Zillow
• 2026-04-23 Price Changed $263,900 Zillow
• 2026-03-22 Price Changed $262,400 Zillow
• 2026-02-20 Price Changed $261,900 Zillow
• 2026-02-13 Price Changed $261,650 Zillow
• 2026-01-07 Price Changed $260,900 Zillow
• 2025-09-01 Listed $259,900 Zillow