7119 Springwell Ct SE · Huntsville, AL 35748

$534,278

5 bd · 3.5 ba · 3,360 sqft · SingleFamily · 4 Days on market

0.34 ac lot Est $564k · 5% under $50/mo HOA · 1% of rent

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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 +9.9/15.0
• Cash flow +7.8/30.0
• Livability +4.1/5.0
• Schools +3.7/10.0
• 1% rule +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.9/10.0

Listing remarks MLS

* 2/1 buydown with rate as low as 3.99% for the first 12 months. Contact Builder Sales Rep(s) for current incentive details. * Located on a corner lot the TRUETT IV G in Hickory Cove at Mountain Preserve community offers a 5 bedroom, 3.5 bathrooms, open 2-story design with pocket office & game room. Upgrades for this home include undercabinet lighting, wood flooring, wood look ceramic tile flooring, upgraded granite countertops, and more! Features: separate vanities, garden tub, separate custom tiled shower, & walk-in closet in master bath, double vanity in 2nd bath, kitchen island, pantry, boot bench/drop zone, custom kitchen backsplash, gas fireplace, LED lighting, crown molding, built-in shelving in panty/closets, landscaping with stone edging and irrigation, gutters, stone address block, & more! Energy Efficient: tankless gas water heater, gas kitchen appliance package, vinyl low E3 tilt-in windows, & more!

Key facts

• Open 2-story design
• Pocket office
• Separate vanities

Tags

• CORNER LOT
• OPEN 2-STORY DESIGN
• POCKET OFFICE
• GAME ROOM
• SEPARATE VANITIES
• GARDEN TUB

Property features AI

Finance

• Other: Living area listed as 3,360 square feet; Property type: Residential
• HOA & community: Homeowners association with community pool; Annual association fee of $600; Community features include curbs, lake, sidewalks, and street lights; Subdivision: Hickory Cove at Mountain Preserve

Exterior

• Parking: Attached two-car garage with garage door opener; garage faces front
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two levels
• Construction: Brick construction; Slab foundation; Built as new construction
• Exterior features: Curb and gutters; Sidewalk; Underground utilities; Concrete driveway; Corner lot; Covered patio; Front porch; See remarks for additional exterior details

Interior

• Kitchen: Dishwasher; Microwave; Gas oven; Garbage disposal; Tankless water heater; Other kitchen features (see remarks)
• Bedrooms: 13 total rooms (bedrooms not itemized separately in data)
• Bathrooms: 3 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (natural gas); Central cooling (electric)
• Interior features: Fireplace (one); New construction
• Laundry & utility: Tankless water heater (listed under appliances)

What this means for you Summary

Snapshot

• This is a 5-bed/3.5-bath single-family listed at $534k.

Deal economics

• At list price, monthly cash flow is $-582 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $450k (15.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $400k (25.1% below list).
• Recommended offer: $400k (25.1% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 3.8% in Huntsville — 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 82/100 on livability (#3 in AL, #1,082 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime 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: Madison County Elementary School (math 17% / reading 47%, grade F, #331 of 627 statewide, top 57%, 412 students, 59% FRL); Madison County High School (math 32% / reading 42%, grade F, #39 of 305 statewide, top 13%, 483 students, 35% FRL) — zoned schools average 47% FRL vs 29% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 183 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).

Forward outlook

• In year one you build about $57k of equity ($4k loan paydown + $53k 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 ~$92k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 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: extreme-heat days projected 8→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $400,000 (25.1% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.75% ✗
• Cap rate: 4.99%
• Cash-on-cash: -4.67%
• DSCR: 0.79
• GRM: 11.1

CMA / ARV

• ARV (on-the-fly): $564,480
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7117 Springwell Ct SE	0.02mi	5/3.0	3,275 (-2%)	3mo	$499,632	$153	91
8889 Mountain Preserve Blvd SE	0.08mi	4/3.5 (-1)	3,350 (-0%)	2mo	$555,383	$166	89
7017 Cranbourne Row SE	0.08mi	5/3.0	3,265 (-3%)	1mo	$561,605	$172	89
7105 Springwell Ct SE	0.03mi	5/3.0	3,275 (-2%)	4mo	$533,145	$163	89
7103 Springwell Ct SE	0.03mi	5/3.0	3,280 (-2%)	6mo	$519,816	$158	88
7012 Springwell Ct SE	0.04mi	4/3.5 (-1)	3,350 (-0%)	6mo	$570,315	$170	87
8806 Bryson Ter SE	0.16mi	5/3.0	3,280 (-2%)	2mo	$543,844	$166	85
8805 Bryson Ter SE	0.15mi	5/3.0	3,275 (-2%)	2mo	$551,386	$168	85
8906 Lockwood Ln	0.32mi	4/3.5 (-1)	3,293 (-2%)	4mo	$639,000	$194	73
7104 Springwell Ct SE	0.05mi	4/3.0 (-1)	3,022 (-10%)	2mo	$503,912	$167	72
8883 Mountain Preserve Blvd SE	0.08mi	4/3.0 (-1)	3,013 (-10%)	3mo	$537,495	$178	70
7014 Huddersfield Ln SE	0.18mi	4/3.0 (-1)	2,903 (-14%)	3mo	$531,381	$183	60

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: 21.0%
• Equity multiple: 2.70×
• Total profit: $253,988
• Equity at exit: $481,320

10-year hold

• IRR: 19.0%
• Equity multiple: 6.20×
• Total profit: $777,296
• Equity at exit: $1,037,985

Cash invested: $149,598 (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 35748

• Home prices YoY: 4.0%
• Active inventory: 183
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $4,000 medium
• Mortgage (P&I): −$2,802
• Tax est. 1.5%: −$668 /mo · $8,014/yr
• Insurance: −$223
• HOA: −$50
• Vacancy / Maint / Mgmt: −$840
• Net cashflow: $-582

Break-even live

Break-even rent $4,737

Max offer price $450,022

Occupancy floor —

Sensitivity live

Price	-10% $-213	-5% $-398	+0% $-582	+5% $-767	+10% $-952
Rent	-10% $-898	-5% $-740	+0% $-582	+5% $-424	+10% $-266
Rate	-1.0pp $-313	-0.5pp $-446	base $-582	+0.5pp $-721	+1.0pp $-862

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: $133,570
• Closing costs: $16,028
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8889 Mountain Preserve Blvd SE Gurley, AL	4.0	3.5	3350	$4,000	$1.19	45d	1	0.08mi

HOA detail

• Monthly dues: $50 · $600/yr
• Likely covers: watergaslandscaping

Listing history 3 events

1. 2026-06-22
   days on market $534,278 Active 4 DOM
2. 2026-06-18
   remarks 687-char remark

   Show marketing remark (947 chars)

   * 2/1 buydown with rate as low as 3.99% for the first 12 months. Contact Builder Sales Rep(s) for current incentive details. * Located on a corner lot the TRUETT IV G in Hickory Cove at Mountain Preserve community offers a 5 bedroom, 3.5 bathrooms, open 2-story design with pocket office & game room. Upgrades for this home include undercabinet lighting, wood flooring, wood look ceramic tile flooring, upgraded granite countertops, and more! Features: separate vanities, garden tub, separate custom tiled shower, & walk-in closet in master bath, double vanity in 2nd bath, kitchen island, pantry, boot bench/drop zone, custom kitchen backsplash, gas fireplace, LED lighting, crown molding, built-in shelving in panty/closets, landscaping with stone edging and irrigation, gutters, stone address block, & more! Energy Efficient: tankless gas water heater, gas kitchen appliance package, vinyl low E3 tilt-in windows, & more!

3. 2026-06-18
   listed $534,278 Active 1 DOM

   Show marketing remark (947 chars)

   * 2/1 buydown with rate as low as 3.99% for the first 12 months. Contact Builder Sales Rep(s) for current incentive details. * Located on a corner lot the TRUETT IV G in Hickory Cove at Mountain Preserve community offers a 5 bedroom, 3.5 bathrooms, open 2-story design with pocket office & game room. Upgrades for this home include undercabinet lighting, wood flooring, wood look ceramic tile flooring, upgraded granite countertops, and more! Features: separate vanities, garden tub, separate custom tiled shower, & walk-in closet in master bath, double vanity in 2nd bath, kitchen island, pantry, boot bench/drop zone, custom kitchen backsplash, gas fireplace, LED lighting, crown molding, built-in shelving in panty/closets, landscaping with stone edging and irrigation, gutters, stone address block, & more! Energy Efficient: tankless gas water heater, gas kitchen appliance package, vinyl low E3 tilt-in windows, & more!

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥105°F today · 24 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $48,000
• − Mortgage interest: −$29,928
• − Property taxes: −$8,014
• − Insurance: −$2,671
• − Repairs & maintenance: −$3,840
• − Management: −$3,840
• − HOA: −$600
• − Depreciation: −$15,543
• Taxable loss: −$16,436
• Est. tax savings @ 24.0%: +$3,945
• After-tax cash flow: $-3,043/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 — Huntsville

• Score: 82/100
• State rank: #3
• US rank: #1082

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, AL
• City population: 220,435
• Population (ZIP): 7,311

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 (92%)
• Race & ethnicity: White 92% Two or more races 3% Black 3%
• Common ancestry: Lithuanian 5% Slovak 4% Italian 1%
• Foreign-born: 1%
• Languages at home: 97% English-only · French/Haitian/Cajun 1% Other Indo-European 1% Tagalog/Filipino 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: ▲ 13.02%
• Current HPI: 337.7613
• 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

+0.0% since first listed

2 events — show timeline

• 2026-06-18 Listed $534,278 Zillow
• 2026-06-17 Listed $534,278 VMLS