142 Fields Pond Dr · Triana, AL 35756

$265,000

4 bd · 1.0 ba · 1,864 sqft · SingleFamily public records · 9 Days on market

Built 2008 7,200 sqft lot Est $319k · 17% under

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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 +15.0/15.0
• Cash flow +13.0/30.0
• DSCR +3.9/10.0
• Schools +3.7/10.0
• Livability +3.2/5.0
• Rent growth +2.8/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

JUST LISTED — One-Level Craftsman! Full Brick | 4 Bedroom Split Plan | No HOA. This charming Craftsman-style brick home offers single-level living at its finest with numerous recent updates. Standout Features: Spacious split 4-bedroom layout for maximum privacy. Generous primary suite with a cozy reading nook, large walk-in closet, and a beautifully updated en-suite bathroom featuring: Double vanity, Whirlpool tub, Double walk-in tiled shower, Bidet toilet & Tile flooring. Updated kitchen with new floors, new countertops, stylish farm sink, and new dishwasher. All new interior paint throughout. New privacy fence in the backyard. Screened patio, Storm shelter in garage, Water Soft

Key facts

• Full brick
• Reading nook
• Primary suite

Tags

• ONE LEVEL CRAFTSMAN
• FULL BRICK
• SPLIT PLAN
• PRIMARY SUITE
• READING NOOK
• WALK IN CLOSET

Property features AI

Finance

• HOA & community: No homeowners association; Subdivision: Towne Lakes; Community features include curbs and sidewalks

Exterior

• Parking: Attached two-car garage; Concrete driveway; Garage faces front
• Utilities: Public water; Public sewer; Electric service
• Home design: Single-family residence; One story; Built in 2008; Residential property
• Construction: Brick construction; Slab foundation
• Exterior features: Curb and gutters; Sidewalks; Screened porch

Interior

• Kitchen: Range; Dishwasher; Microwave
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central electric cooling
• Interior features: Double pane windows; Wood-burning fireplace (one)
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $-13 ($-151/yr) — negative.
• To cash-flow at today's rent, offer at most $263k (0.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (22.6% below list).
• Recommended offer: $205k (22.6% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.0% in Triana — 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 (#125 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety 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: Monrovia Middle School (math 29% / reading 66%, grade C-, #32 of 257 statewide, top 12%, 1,003 students, 31% FRL) — zoned schools at 31% FRL track the district average.
• Market conditions: Rents rising (+1.1%/yr); 823 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 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 $8k 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

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $205,155 (22.6% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-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. 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?
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: 0.77% ✗
• Cap rate: 6.24%
• Cash-on-cash: -0.20%
• DSCR: 0.99
• GRM: 10.8

CMA / ARV

• ARV (on-the-fly): $318,744
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
115 Equality Ct	0.19mi	4/2.0	1,844 (-1%)	2mo	$342,800	$186	84
124 Fields Pond Dr	0.09mi	4/2.0	1,795 (-4%)	5mo	$289,900	$162	81
209 Emma Harris Cir	0.16mi	4/2.0	2,043 (+10%)	2mo	$341,100	$167	71
119 Fields Pond Dr	0.06mi	3/2.0 (-1)	1,631 (-12%)	1mo	$275,000	$169	67
102 Evergreen Mill Ln	0.48mi	3/2.0 (-1)	1,885 (+1%)	1mo	$298,900	$159	66
166 Hidden River Dr	0.43mi	3/2.5 (-1)	1,843 (-1%)	5mo	$349,900	$190	63
111 Equality Ct	0.15mi	3/2.0 (-1)	1,600 (-14%)	1mo	$307,900	$192	59
107 Kings Cove Cir	0.18mi	3/2.0 (-1)	1,658 (-11%)	6mo	$271,000	$163	59
213 Emma Harris Cir	0.13mi	3/2.0 (-1)	1,600 (-14%)	3mo	$299,900	$187	59
146 Abercorn Dr	0.58mi	4/2.0	2,020 (+8%)	7mo	$305,175	$151	49
105 Shirley Harris Dr	0.45mi	3/2.5 (-1)	1,632 (-12%)	2mo	$278,900	$171	46
168 Hidden River Dr	0.44mi	3/2.5 (-1)	2,131 (+14%)	6mo	$367,900	$173	40

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 · 1.15% rent growth · sell at horizon

5-year hold

• IRR: -18.6%
• Equity multiple: 0.36×
• Total profit: $-47,583
• Equity at exit: $39,512

10-year hold

• IRR: -14.7%
• Equity multiple: 0.22×
• Total profit: $-57,660
• Equity at exit: $22,912

Cash invested: $74,200 (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 35756

• Home prices YoY: -21.7%
• Rents YoY: 1.1%
• Active inventory: 823
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $2,052 high
• Mortgage (P&I): −$1,390
• Tax from tax record: −$133 /mo · $1,598/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $-13

Break-even live

Break-even rent $2,067

Max offer price $262,779

Occupancy floor 96%

Sensitivity live

Price	-10% $137	-5% $62	+0% $-13	+5% $-88	+10% $-163
Rent	-10% $-175	-5% $-94	+0% $-13	+5% $68	+10% $149
Rate	-1.0pp $121	-0.5pp $55	base $-13	+0.5pp $-81	+1.0pp $-151

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: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
161 Fields Pond Dr Madison, AL	3.0	2.5	1660	$1,700	$1.02	14d	1	0.10mi
209 Emma Harris Cir Triana, AL	4.0	2.0	2043	$2,045	$1.00	14d	1	0.17mi
176 Fields Pond Dr Madison, AL	3.0	2.0	1529	$1,775	$1.16	21d	1	0.18mi
200 Bay Pine Dr Madison, AL	3.0	2.5	1710	$1,899	$1.11	14d	12	0.43mi
240 Fields Pond Dr Madison, AL	3.0	2.0	1683	$1,850	$1.10	14d	1	0.44mi
214 Alonzo Toney Dr Madison, AL	4.0	2.0	1820	$2,150	$1.18	14d	1	0.70mi
244 Abercorn Dr Madison, AL	4.0	2.0	1820	$1,875	$1.03	44d	1	0.79mi
265 Harold Murphy Dr Madison, AL	4.0	3.0	1635	$2,500	$1.53	44d	1	0.85mi
202 Harold Murphy Dr Madison, AL	3.0	2.0	1731	$2,250	$1.30	44d	1	0.93mi
138 Riverfront Dr Madison, AL	3.0	2.0	1648	$1,800	$1.09	14d	1	0.98mi
177 Harold Murphy Dr Madison, AL	3.0	2.0	1738	$1,900	$1.09	44d	1	1.03mi
122 David Barnes Dr Madison, AL	3.0	2.0	1324	$1,535	$1.16	14d	1	1.04mi
133 Pitts Griffin Dr Madison, AL	3.0	2.0	1370	$1,900	$1.39	14d	1	1.09mi
121 Sorrelweed Dr Madison, AL	4.0	2.0	1890	$1,950	$1.03	44d	1	1.13mi
128 Mary Caudle Way Madison, AL	4.0	2.0	1863	$1,950	$1.05	24d	1	1.19mi
186 Tybee Dr Madison, AL	3.0	2.0	1595	$1,899	$1.19	14d	1	1.19mi
808 Willow Shoals Dr SW Madison, AL	3.0	2.0	1435	$1,700	$1.18	24d	1	1.20mi
122 Daymark Dr Madison, AL	3.0	2.0	1484	$1,795	$1.21	44d	1	1.21mi
109 River Haven Dr Madison, AL	4.0	2.5	1946	$1,995	$1.03	14d	1	1.25mi
130 Tybee Dr Madison, AL	4.0	2.0	1898	$1,995	$1.05	14d	1	1.28mi
221 Willie Sanders Dr Triana, AL	4.0	2.5	1851	$2,000	$1.08	14d	1	1.30mi
120 James Parcus Cir Madison, AL	3.0	2.5	2299	$2,045	$0.89	44d	1	1.35mi
106 Mississippi St Madison, AL	3.0	2.0	1911	$1,949	$1.02	14d	1	1.39mi
153 Rosemary Ayers Dr Madison, AL	4.0	2.0	1815	$2,295	$1.26	14d	1	1.39mi
711 River Landing Blvd SW Madison, AL	3.0	2.0	1700	$1,800	$1.06	44d	1	1.40mi
151 Rosemary Ayers Dr Madison, AL	4.0	3.0	2117	$2,200	$1.04	14d	1	1.40mi
703 River Landing Blvd SW Madison, AL	3.0	2.5	2254	$1,850	$0.82	21d	1	1.44mi
115 Rio Grande Way Madison, AL	4.0	2.0	2022	$2,150	$1.06	24d	1	1.46mi
118 Harbor Glen Dr SW Madison, AL	4.0	3.0	2550	$2,550	$1.00	14d	1	1.47mi
118 Harbor Glen Dr SW Madison, AL	4.0	3.0	2550	$2,750	$1.08	24d	1	1.47mi

Listing history 8 events

1. 2026-06-18
   days on market $265,000 Active 9 DOM
2. 2026-06-17
   days on market $265,000 Active 8 DOM
3. 2026-06-16
   days on market $265,000 Active 7 DOM
4. 2026-06-15
   days on market $265,000 Active 6 DOM
5. 2026-06-14
   remarks 689-char remark
6. 2026-06-14
   days on market $265,000 Active 4 DOM
7. 2026-06-09
   remarks 683-char remark
8. 2026-06-09
   listed $265,000 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: $1,598 · $133/mo
• Projected year-2 tax: $1,598 · $133/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 6/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 18% 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: $24,619
• − Mortgage interest: −$14,844
• − Property taxes: −$1,598
• − Insurance: −$1,325
• − Repairs & maintenance: −$1,969
• − Management: −$1,969
• − Depreciation: −$7,709
• Taxable loss: −$4,797
• Est. tax savings @ 24.0%: +$1,151
• After-tax cash flow: $1,000/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 — Triana

• Score: 65/100
• State rank: #125
• US rank: #12792

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Triana, AL
• County: Limestone County · 80,439 people
• Metro: Huntsville, AL
• Population (ZIP): 24,947
• Household income: $129,852
• Rent vs Own: 17.4% rent · 82.6% own
• Severe rent burden: 286.0

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: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 59% Black 21% Two or more races 9% Hispanic / Latino 7% Asian 6% Native American 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Italian 3% Serbian 3% Slovak 3%
• Foreign-born: 8% · China, South Korea, Canada
• Languages at home: 90% English-only · Spanish 3% Korean 2% Other Indo-European 2%

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: ▼ -50.15%
• Current HPI: 180.5285
• Rent YoY: ▲ 1.15%
• 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 event — show timeline

• 2026-06-09 Listed $265,000 VMLS

Property tax history

+7.8%/yr

Latest (2024): $1,598 · +7.2% YoY. Source: county tax records.