1047 Poplar Trl · Hayden, AL 35180

$129,900

3 bd · 1.0 ba · 1,152 sqft · SingleFamily public records · 90 Days on market

Built 2001 1.10 ac lot $113/sqft · 37% below area Est $207k · 37% under

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Why this score? — see what drove the B- 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 +27.1/30.0
• ARV discount +15.0/15.0
• DSCR +9.4/10.0
• 1% rule +6.5/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this charming 3-bedroom, 2-bath home with a peaceful, mountain-inspired setting. Nestled on a spacious lot, highlighted by a beautiful boulder feature in the front yard that adds character and curb appeal. Inside, you’ll find a functional layout with comfortable living space, vaulted ceilings, and hardwood floors that create a warm and inviting atmosphere. The kitchen is equipped with solid surface countertops and flows easily into the main living area, making it ideal for everyday living. Enjoy mornings or relaxing evenings on the front porch or open deck. Conveniently located with easy access to both Birmingham and Cullman, this home offers the perfect balance of privacy and accessibility.

Key facts

• Ample living space
• Spacious lot
• Functional layout

Tags

• SPACIOUS LOT
• FUNCTIONAL LAYOUT
• AMPLE LIVING SPACE
• EASY ACCESS TO LOCAL AMENITIES
• ROOM FOR CUSTOMIZATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $366 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $122k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.7% vs local median 4.2% in Hayden — 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 65/100 on livability (#137 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: schools D+, amenities F, commute F.
• Blount County (rural): math 20% / reading 45% proficiency, ranked #54 of 129 in AL (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 117 active listings in the ZIP; 13 units permitted in Blount County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Blount County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 90 days — a 6% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 15y ago; this cycle's ask has dropped $34k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $122,106 (6.0% below list)

Questions for the listing agent

1. It's been on market 90 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.15% ✓
• Cap rate: 9.68%
• Cash-on-cash: 12.09%
• DSCR: 1.54
• GRM: 7.2

CMA / ARV

• ARV (median comp): $206,651
• List price: $129,900
• Delta: -37.14%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
69 Pine Ln	0.63mi	4/2.0 (+1)	1,248 (+8%)	19mo	$193,350	$155	31

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: 1.6%
• Equity multiple: 1.06×
• Total profit: $2,259
• Equity at exit: $19,369

10-year hold

• IRR: 11.2%
• Equity multiple: 1.88×
• Total profit: $31,902
• Equity at exit: $11,231

Cash invested: $36,372 (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 35180

• Home prices YoY: -11.3%
• Active inventory: 117
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,496 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$80 /mo · $960/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$314
• Net cashflow: $366

Break-even live

Break-even rent $1,032

Max offer price $129,900

Occupancy floor 71%

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Listing history 45 events

1. 2026-06-18
   days on market $129,900 Active 90 DOM
2. 2026-06-17
   days on market $129,900 Active 89 DOM
3. 2026-06-16
   days on market $129,900 Active 88 DOM
4. 2026-06-15
   days on market $129,900 Active 87 DOM
5. 2026-06-13
   days on market $129,900 Active 85 DOM
6. 2026-06-10
   days on market $129,900 Active 82 DOM
7. 2026-06-09
   days on market $129,900 Active 81 DOM
8. 2026-06-08
   days on market $129,900 Active 80 DOM
9. 2026-06-07
   pricedays on market $129,900 Active 79 DOM
10. 2026-06-05
    days on market $139,900 Active 76 DOM
11. 2026-06-03
    days on market $139,900 Active 75 DOM
12. 2026-06-02
    days on market $139,900 Active 74 DOM
13. 2026-06-01
    days on market $139,900 Active 73 DOM
14. 2026-05-31
    days on market $139,900 Active 72 DOM
15. 2026-05-18
    price $139,900 718-char remark

    Show marketing remark (718 chars)

    Welcome to this charming 3-bedroom, 2-bath home with a peaceful, mountain-inspired setting. Nestled on a spacious lot, highlighted by a beautiful boulder feature in the front yard that adds character and curb appeal. Inside, you’ll find a functional layout with comfortable living space, vaulted ceilings, and hardwood floors that create a warm and inviting atmosphere. The kitchen is equipped with solid surface countertops and flows easily into the main living area, making it ideal for everyday living. Enjoy mornings or relaxing evenings on the front porch or open deck. Conveniently located with easy access to both Birmingham and Cullman, this home offers the perfect balance of privacy and accessibility.

16. 2026-04-29
    price $154,000 718-char remark

    Show marketing remark (718 chars)

    Welcome to this charming 3-bedroom, 2-bath home with a peaceful, mountain-inspired setting. Nestled on a spacious lot, highlighted by a beautiful boulder feature in the front yard that adds character and curb appeal. Inside, you’ll find a functional layout with comfortable living space, vaulted ceilings, and hardwood floors that create a warm and inviting atmosphere. The kitchen is equipped with solid surface countertops and flows easily into the main living area, making it ideal for everyday living. Enjoy mornings or relaxing evenings on the front porch or open deck. Conveniently located with easy access to both Birmingham and Cullman, this home offers the perfect balance of privacy and accessibility.

17. 2026-03-19
    listed $164,000 Active 718-char remark

    Show marketing remark (718 chars)

    Welcome to this charming 3-bedroom, 2-bath home with a peaceful, mountain-inspired setting. Nestled on a spacious lot, highlighted by a beautiful boulder feature in the front yard that adds character and curb appeal. Inside, you’ll find a functional layout with comfortable living space, vaulted ceilings, and hardwood floors that create a warm and inviting atmosphere. The kitchen is equipped with solid surface countertops and flows easily into the main living area, making it ideal for everyday living. Enjoy mornings or relaxing evenings on the front porch or open deck. Conveniently located with easy access to both Birmingham and Cullman, this home offers the perfect balance of privacy and accessibility.

18. 2026-02-18
    price $171,000
19. 2022-10-12
    soldstatus $184,000
20. 2022-10-09
    soldstatus $184,000
21. 2022-10-07
    soldstatus $184,000 Sold
22. 2022-10-05
    listed $189,000
23. 2022-09-30
    status Pending
24. 2022-09-09
    historical Contingent
25. 2022-09-07
    price $184,900
26. 2022-09-02
    listed $189,900 Active
27. 2020-04-29
    soldstatus $115,000 Sold
28. 2020-04-29
    soldstatus $115,000
29. 2020-03-22
    status Pending
30. 2020-03-16
    status Active
31. 2020-03-14
    historical Contingent
32. 2020-03-01
    price $119,900
33. 2020-02-20
    price $124,900
34. 2020-01-23
    status Active
35. 2020-01-16
    historical Contingent
36. 2019-12-24
    status Active
37. 2019-12-01
    status Pending
38. 2019-11-20
    status Active
39. 2019-10-10
    historical Contingent
40. 2019-08-29
    price $129,900
41. 2019-08-14
    price $139,900
42. 2019-07-17
    listed $149,900 Active
43. 2012-01-17
    soldstatus $69,000
44. 2012-01-17
    soldstatus $69,000
45. 2011-09-12
    listed $79,900

ⓘ 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: $960 · $80/mo
• Projected year-2 tax: $960 · $80/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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 17 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: $17,950
• − Mortgage interest: −$7,276
• − Property taxes: −$960
• − Insurance: −$650
• − Repairs & maintenance: −$1,436
• − Management: −$1,436
• − Depreciation: −$3,779
• Taxable income: $2,413
• Est. tax owed @ 24.0%: −$579
• After-tax cash flow: $3,818/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: Blount County
• NCES district ID: 0100420
• Math proficiency: 20% ▼ -25.00%
• Reading proficiency: 45% ▼ -1.00%
• Median HH income: $45,961
• Composite: 27.79/100
• National rank: #6891
• State rank: #54 of 129 in AL

Livability — Hayden

• Score: 65/100
• State rank: #137
• US rank: #13359

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 14,097

Population outlook (Blount County) Hauer SSP2

• Today (2025): 57,983 people
• By 2030: 57,405 · -1.0%
• By 2040: 55,602 · -4.1%
• By 2050: 53,393 · -7.9%
• By 2075: 48,248 · -16.8%
• By 2100: 44,190 · -23.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 6% Black 6%
• Common ancestry: Slovak 5% Italian 2% Serbian 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Blount

• 2024 margin: Solid R (+81.0) · D 9.2% · R 90.2%
• 2008→2024 swing: -11.5pp toward R · 2008: -69.5pp · 2024: -81.0pp
• All cycles: 2024: R+81.0 2020: R+80.0 2016: R+81.4 2012: R+74.1 2008: R+69.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -31.81%
• Current HPI: 250.1325
• 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

+75.1% since first listed

31 events — show timeline

• 2026-05-18 Price Changed $139,900 Greater Alabama MLS
• 2026-04-29 Price Changed $154,000 Greater Alabama MLS
• 2026-03-19 Listed $164,000 Greater Alabama MLS
• 2026-02-18 Price Changed $171,000 Greater Alabama MLS
• 2022-10-12 Sold (Public Records) $184,000 Public Records
• 2022-10-09 Sold (MLS) $184,000 SAARMLS
• 2022-10-07 Sold (MLS) $184,000 Greater Alabama MLS
• 2022-10-05 Listed $189,000 SAARMLS
• 2022-09-30 Pending — Greater Alabama MLS
• 2022-09-09 Contingent — Greater Alabama MLS
• 2022-09-07 Price Changed $184,900 Greater Alabama MLS
• 2022-09-02 Listed $189,900 Greater Alabama MLS
• 2020-04-29 Sold (Public Records) $115,000 Public Records
• 2020-04-29 Sold (MLS) $115,000 Greater Alabama MLS
• 2020-03-22 Pending — Greater Alabama MLS
• 2020-03-16 Relisted — Greater Alabama MLS
• 2020-03-14 Contingent — Greater Alabama MLS
• 2020-03-01 Price Changed $119,900 Greater Alabama MLS
• 2020-02-20 Price Changed $124,900 Greater Alabama MLS
• 2020-01-23 Relisted — Greater Alabama MLS
• 2020-01-16 Contingent — Greater Alabama MLS
• 2019-12-24 Relisted — Greater Alabama MLS
• 2019-12-01 Pending — Greater Alabama MLS
• 2019-11-20 Relisted — Greater Alabama MLS
• 2019-10-10 Contingent — Greater Alabama MLS
• 2019-08-29 Price Changed $129,900 Greater Alabama MLS
• 2019-08-14 Price Changed $139,900 Greater Alabama MLS
• 2019-07-17 Listed $149,900 Greater Alabama MLS
• 2012-01-17 Sold (Public Records) $69,000 Public Records
• 2012-01-17 Sold (MLS) $69,000 Greater Alabama MLS
• 2011-09-12 Listed $79,900 Greater Alabama MLS

Property tax history

+15.6%/yr

Latest (2025): $960 · +6.0% YoY. Source: county tax records.