126 Clydesdale Ln · Harvest, AL 35749

$255,000

3 bd · 1.0 ba · 1,467 sqft · SingleFamily public records · 6 Days on market

Built 2015 8,712 sqft lot $174/sqft · 9% below area Est $270k · 6% 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).

• Cash flow +11.7/30.0
• ARV discount +10.0/15.0
• Schools +3.7/10.0
• Livability +3.6/5.0
• DSCR +3.5/10.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Recessed lights. Bay window in the kitchen. 9 ft ceilings. Covered back porch. 2 car garage. Programmable thermostat. Beautiful home for potential first time home buyers.

Key facts

• 8,712 sq ft lot
• 2 garage spots
• Built 2015

Property features AI

Finance

• Other: Directions: From Hwy 72 north on Old Railroad Bed; through 4-way stop at Nick Davis; left at the caution light at Yarbrough Road; right on Clydesdale Lane
• Financial info: No financial details provided
• HOA & community: No homeowners association; Subdivision: Yarbrough Farms

Exterior

• Parking: Two-car garage
• Security: No security details provided
• Utilities: Private sewer; Sand filtration water source; Electric power available
• Home design: Single-family residence; One story; Built in 2015; Residential property
• Construction: Brick construction; Slab foundation
• Exterior features: Sidewalk; Cul-de-sac location; Storm shelter; Covered front porch; Front porch; Patio

Interior

• Kitchen: Range; Cooktop; Oven; Dishwasher; Microwave
• Bedrooms: No bedroom count provided
• Flooring: No flooring details provided
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Five total rooms; Two full bathrooms
• Laundry & utility: No laundry details provided

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $255k.

Deal economics

• At list price, monthly cash flow is $-72 ($-868/yr) — negative.
• To cash-flow at today's rent, offer at most $242k (5.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $181k (29.1% below list).
• Recommended offer: $181k (29.1% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 3.5% in Harvest — 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 (#27 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living 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: Harvest School (math 19% / reading 46%, grade F, #329 of 627 statewide, top 53%, 734 students, 54% FRL); Sparkman Middle School (math 18% / reading 53%, grade F, #81 of 257 statewide, top 33%, 859 students, 60% FRL); Sparkman High School (math 28% / reading 37%, grade F, #58 of 305 statewide, top 19%, 1,738 students, 37% FRL) — zoned schools average 50% FRL vs 29% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents flat; 675 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $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 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 11y 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→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,909 (29.1% 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. 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?
4. 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.
5. 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.
6. 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: 0.71% ✗
• Cap rate: 5.95%
• Cash-on-cash: -1.22%
• DSCR: 0.95
• GRM: 11.7

CMA / ARV

• ARV (median comp): $270,214
• List price: $255,000
• Delta: -5.63%
• 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
126 Clydesdale Ln	0.00mi	3/2.0	1,420 (-3%)	1mo	$255,000	$180	90
105 Clydesdale Ln	0.11mi	3/2.0	1,560 (+6%)	9mo	$255,000	$163	72
102 Grey Mare St	0.13mi	3/2.0	1,360 (-7%)	16mo	$255,000	$188	65
135 Vasser Farms Dr	0.72mi	3/2.0	1,444 (-2%)	7mo	$240,000	$166	54
123 Vasser Farms Dr	0.74mi	3/2.0	1,515 (+3%)	8mo	$240,000	$158	50
127 Trestle Point Dr	0.74mi	4/2.0 (+1)	1,497 (+2%)	9mo	$257,900	$172	46
123 Trestle Point Dr	0.75mi	4/2.0 (+1)	1,497 (+2%)	8mo	$257,900	$172	46
137 Trestle Point Dr	0.71mi	3/2.0	1,344 (-8%)	6mo	$234,900	$175	44
203 Trestle Point Dr	0.66mi	4/2.0 (+1)	1,504 (+2%)	16mo	$255,900	$170	43
131 Trestle Point Dr	0.72mi	3/2.0	1,272 (-13%)	0mo	$260,900	$205	40
202 Trestle Point Dr	0.64mi	3/2.0	1,281 (-13%)	14mo	$239,900	$187	33
205 Trestle Point Dr	0.68mi	3/2.0	1,281 (-13%)	14mo	$239,900	$187	32

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 · 0.81% rent growth · sell at horizon

5-year hold

• IRR: -20.5%
• Equity multiple: 0.30×
• Total profit: $-49,962
• Equity at exit: $38,021

10-year hold

• IRR: -18.5%
• Equity multiple: 0.09×
• Total profit: $-65,299
• Equity at exit: $22,048

Cash invested: $71,400 (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 35749

• Home prices YoY: -5.4%
• Rents YoY: 0.8%
• Active inventory: 675
• Price-to-rent: 11.7×

Monthly cashflow live

• Estimated rent: $1,809 medium
• Mortgage (P&I): −$1,337
• Tax from tax record: −$58 /mo · $696/yr
• Insurance: −$106
• HOA: −$0
• Vacancy / Maint / Mgmt: −$380
• Net cashflow: $-72

Break-even live

Break-even rent $1,901

Max offer price $242,222

Occupancy floor 99%

Sensitivity live

Price	-10% $72	-5% $0	+0% $-72	+5% $-145	+10% $-217
Rent	-10% $-215	-5% $-144	+0% $-72	+5% $-1	+10% $71
Rate	-1.0pp $56	-0.5pp $-7	base $-72	+0.5pp $-138	+1.0pp $-206

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: $63,750
• Closing costs: $7,650
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
105 Dorchester Ln Harvest, AL	3.0	2.0	1700	$1,750	$1.03	15d	1	1.32mi

Listing history 8 events

1. 2026-05-05
   status Pending 688-char remark
2. 2026-04-30
   listed $255,000 Active 688-char remark
3. 2020-11-04
   soldstatus $176,000
4. 2020-11-03
   soldstatus $176,000 Sold 171-char remark

   Show marketing remark (171 chars)

   Recessed lights. Bay window in the kitchen. 9 ft ceilings. Covered back porch. 2 car garage. Programmable thermostat. Beautiful home for potential first time home buyers.

5. 2020-09-14
   historical Contingent 171-char remark

   Show marketing remark (171 chars)

   Recessed lights. Bay window in the kitchen. 9 ft ceilings. Covered back porch. 2 car garage. Programmable thermostat. Beautiful home for potential first time home buyers.

6. 2020-09-12
   listed $168,000 Active 171-char remark

   Show marketing remark (171 chars)

   Recessed lights. Bay window in the kitchen. 9 ft ceilings. Covered back porch. 2 car garage. Programmable thermostat. Beautiful home for potential first time home buyers.

7. 2015-12-18
   soldstatus $127,645

   Show marketing remark (326 chars)

   $4,000 BUYER INCENTIVE WITH PREFERRED LENDER!! MOVE IN READY!! Trey ceilings. Recessed lights. Stainless steel appliances. Bay window in the kitchen. 9 ft ceilings. Covered back porch. 2 car garage. Programmable thermostat. Close to shopping, restaurants, and schools. Builder warranty!! Model home open Mon-Sat 10-6, Sun 1-6.

8. 2015-01-12
   listed $134,850

   Show marketing remark (326 chars)

   $4,000 BUYER INCENTIVE WITH PREFERRED LENDER!! MOVE IN READY!! Trey ceilings. Recessed lights. Stainless steel appliances. Bay window in the kitchen. 9 ft ceilings. Covered back porch. 2 car garage. Programmable thermostat. Close to shopping, restaurants, and schools. Builder warranty!! Model home open Mon-Sat 10-6, Sun 1-6.

ⓘ 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: $696 · $58/mo
• Projected year-2 tax: $1,046 · $87/mo
• Expected delta: +$349/yr (+$29/mo · 50.2%)

ⓘ 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 6/10 Major 7 d/yr ≥103°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% 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: $21,709
• − Mortgage interest: −$14,284
• − Property taxes: −$696
• − Insurance: −$1,275
• − Repairs & maintenance: −$1,737
• − Management: −$1,737
• − Depreciation: −$7,418
• Taxable loss: −$5,438
• Est. tax savings @ 24.0%: +$1,305
• After-tax cash flow: $437/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 — Harvest

• Score: 72/100
• State rank: #27
• US rank: #5986

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

• Census place: Harvest, AL
• County: Madison County · 380,832 people
• City population: 30,710
• Metro: Huntsville, AL
• Population (ZIP): 30,710
• Household income: $103,901
• Rent vs Own: 12.4% rent · 87.6% own
• Severe rent burden: 174.0

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 0.56)
• Race & ethnicity: White 60% Black 29% Two or more races 7% Hispanic / Latino 4% Asian 2%
• Common ancestry: Italian 2% Slovak 1% Serbian 1%
• Foreign-born: 3% · Canada, South Korea
• Languages at home: 95% English-only · Spanish 3% Korean 1% Other Indo-European 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: ▼ -16.54%
• Current HPI: 291.1184
• Rent YoY: ▲ 0.81%
• 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

+89.1% since first listed

9 events — show timeline

• 2026-06-05 Sold (MLS) $255,000 VMLS
• 2026-05-05 Pending — VMLS
• 2026-04-30 Listed $255,000 VMLS
• 2020-11-04 Sold (Public Records) $176,000 Public Records
• 2020-11-03 Sold (MLS) $176,000 VMLS
• 2020-09-14 Contingent — VMLS
• 2020-09-12 Listed $168,000 VMLS
• 2015-12-18 Sold (MLS) $127,645 VMLS
• 2015-01-12 Listed $134,850 VMLS

Property tax history

+18.7%/yr

Latest (2024): $696 · +4.1% YoY. Source: county tax records.