3177 Huckaby Bridge Rd SW · Hartselle, AL 35640

$132,000

4 bd · 2.0 ba · 2,201 sqft · SingleFamily public records · 3 Days on market

Built 1987 0.90 ac lot ↓ 41% since listing

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.8/10.0
• ARV discount +7.5/15.0
• Livability +3.6/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

4 BDRM 3 BATH HOME WITH INGROUND POOL. OPEN FLOOR PLAN TO KITCHEN/ DINNING ROOM . ATTACHED 2 CAR GARAGE. GAS FIREPLACE IN LIVING ROOM.

Key facts

• Open floor plan
• Gas fireplace
• Inground pool

Tags

• INGROUND POOL
• OPEN FLOOR PLAN
• GAS FIREPLACE

Property features AI

Finance

• Financial info: Annual tax amount listed

Exterior

• Parking: Attached garage with 2 parking spaces
• Utilities: Septic tank
• Home design: Single-family residential property; Residential property type
• Construction: Above-grade finished area approximately 2,201
• Exterior features: Approximately 0.9-acre lot; Lot dimensions listed as .9 acres M/L; Zoned R1; Not in a subdivision

Interior

• Bedrooms: Four main-level bedrooms
• Bathrooms: Three full bathrooms
• Interior features: One fireplace

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $132k.

Deal economics

• At list price, monthly cash flow is $728 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $132k).
• Cap rate 12.9% vs local median 4.1% in Hartselle — 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 72/100 on livability (#32 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Morgan County (rural): math 19% / reading 43% proficiency, ranked #61 of 129 in AL (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Falkville Elementary School (math 17% / reading 47%, grade F, #331 of 627 statewide, top 57%, 332 students, 68% FRL); Falkville High School (math 11% / reading 29%, grade F, #163 of 305 statewide, top 54%, 411 students, 64% FRL) — zoned schools average 66% FRL vs 44% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 193 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 231 units permitted in Morgan County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $913 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Morgan County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $37k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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: moderate wind risk, 26% 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 $132,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.48% ✓
• Cap rate: 12.91%
• Cash-on-cash: 23.63%
• DSCR: 2.05
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $332,351
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1114 Fountainview Dr SW	0.48mi	4/2.5	2,360 (+7%)	3mo	$315,000	$133	61
1210 Salem Rd	0.44mi	3/2.0 (-1)	2,241 (+2%)	18mo	$350,000	$156	56
709 Magnolia Place Ln SW	0.68mi	4/2.0	1,958 (-11%)	5mo	$290,000	$148	46
639 Magnolia Place Ln SW	0.74mi	4/3.0	1,987 (-10%)	6mo	$300,000	$151	40
705 Magnolia Place Ln SW	0.69mi	4/3.0	2,058 (-6%)	17mo	$319,900	$155	39
630 Magnolia Place Ln SW	0.75mi	4/3.0	1,987 (-10%)	12mo	$295,000	$148	35

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: 16.7%
• Equity multiple: 1.67×
• Total profit: $24,930
• Equity at exit: $19,682

10-year hold

• IRR: 25.3%
• Equity multiple: 3.20×
• Total profit: $81,265
• Equity at exit: $11,413

Cash invested: $36,960 (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 35640

• Home prices YoY: -13.6%
• Active inventory: 193
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,950 medium
• Mortgage (P&I): −$692
• Tax from tax record: −$66 /mo · $786/yr
• Insurance: −$55
• HOA: −$0
• Vacancy / Maint / Mgmt: −$410
• Net cashflow: $728

Break-even live

Break-even rent $1,029

Max offer price $132,000

Occupancy floor 58%

Sensitivity live

Price	-10% $802	-5% $765	+0% $728	+5% $690	+10% $653
Rent	-10% $574	-5% $651	+0% $728	+5% $805	+10% $882
Rate	-1.0pp $794	-0.5pp $761	base $728	+0.5pp $694	+1.0pp $659

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: $33,000
• Closing costs: $3,960
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
538 Wolf Trace Ln SW Hartselle, AL	3.0	2.0	1537	$1,950	$1.27	24d	1	1.18mi

Listing history 3 events

1. 2026-06-21
   days on market $132,000 Active 3 DOM
2. 2026-06-18
   remarks 135-char remark
3. 2026-06-18
   listed $132,000 Active 1 DOM

ⓘ 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: $786 · $66/mo
• Projected year-2 tax: $786 · $66/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 ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 26% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,400
• − Mortgage interest: −$7,394
• − Property taxes: −$786
• − Insurance: −$660
• − Repairs & maintenance: −$1,872
• − Management: −$1,872
• − Depreciation: −$3,840
• Taxable income: $6,976
• Est. tax owed @ 24.0%: −$1,674
• After-tax cash flow: $7,059/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: Morgan County
• NCES district ID: 0102480
• Math proficiency: 19% ▼ -28.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $47,362
• Composite: 26.68/100
• National rank: #7157
• State rank: #61 of 129 in AL

Livability — Hartselle

• Score: 72/100
• State rank: #32
• US rank: #6515

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 26,976
• Population (ZIP): 26,976

Population outlook (Morgan County) Hauer SSP2

• Today (2025): 118,775 people
• By 2030: 116,979 · -1.5%
• By 2040: 111,800 · -5.9%
• By 2050: 105,181 · -11.4%
• By 2075: 87,736 · -26.1%
• By 2100: 67,624 · -43.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Black 5% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Morgan

• 2024 margin: Solid R (+52.6) · D 23.2% · R 75.8%
• 2008→2024 swing: -8.8pp toward R · 2008: -43.8pp · 2024: -52.6pp
• All cycles: 2024: R+52.6 2020: R+49.2 2016: R+52.4 2012: R+44.5 2008: R+43.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -38.12%
• Current HPI: 242.5778
• 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

-41.3% since first listed

3 events — show timeline

• 2026-06-15 Listed $132,000 SAARMLS
• 2025-06-29 Price Changed $215,000 VMLS
• 2025-06-23 Listed $225,000 VMLS

Property tax history

+5.2%/yr

Latest (2025): $786 · +2.5% YoY. Source: county tax records.