50 County Road 616 · Enterprise, AL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 8/10 · Major
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the F 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 +12.0/30.0
- DSCR +3.5/10.0
- Rent growth +3.5/5.0
- 1% rule +3.4/10.0
- Schools +3.3/10.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- ARV discount +0.0/15.0
- Appreciation +0.0/10.0
$179,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks
Completely remodeled 3 bed / 2 bath home on a spacious ½-acre lot! This home has been updated from top to bottom and is move-in ready. Features include new vinyl siding, new windows, new metal roof, plus a new tankless water heater. Enjoy relaxing on the brand-new back deck with peaceful countryside views. Inside you’ll find a fully updated kitchen with new cabinets, countertops, stainless-steel appliances, and new sink/faucet. Both bathrooms have been completely redone with new vanities, tubs/showers, toilets, mirrors, and fixtures. The primary suite features a double vanity and walk-in closet. Other upgrades include new luxury vinyl plank flooring throughout, new interior and
Key facts
- New metal roof
- Spacious lot
- New vinyl siding
Tags
Property features AI
Exterior
- Parking: Driveway
- Utilities: Public water; Septic tank; Electricity available
- Home design: Single family residence; One story
- Construction: Vinyl siding
- Exterior features: Front porch; Level lot
Interior
- Kitchen: Electric cooktop; Electric oven; Electric range
- Flooring: Vinyl flooring
- Bathrooms: 2 full bathrooms
- Heating & cooling: Hot water heating; Central heating; Electric heating; Central air conditioning; Electric cooling
- Interior features: Full basement; Range hood; Tankless water heater; Electric water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $179k.
Deal economics
- At list price, monthly cash flow is $-44 ($-527/yr) — negative.
- To cash-flow at today's rent, offer at most $173k (3.6% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $151k (15.6% below list).
- Recommended offer: $151k (15.6% below list) — sets the bar for 1% rule.
- Cap rate 6.0% vs local median 4.2% in Enterprise — 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 (#127 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D, crime F, amenities F.
- Coffee County (rural): math 27% / reading 50% proficiency, ranked #30 of 129 in AL (top 23%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: Rents rising (+3.9%/yr); 441 active listings in the ZIP; solid renter incomes; 137 units permitted in Coffee County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
Negotiation context
- It's been on market 71 days — a 6% lower offer ($168k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% 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.
Questions for the listing agent
- 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?
- It's been on market 71 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 0.84% ✗
- Cap rate
- 6.00%
- Cash-on-cash
- -1.05%
- DSCR
- 0.95
- GRM
- 9.9
CMA / ARV
- ARV (on-the-fly)
- $151,200
- Comps found
- 1
Show comp detail 1 sale within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1336 County Road 606 | 0.15mi | 3/2.0 | 1,160 (-3%) | 22mo | $146,000 | $126 | 69 |
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 · 3.92% rent growth · sell at horizon
- IRR
- -17.0%
- Equity multiple
- 0.39×
- Total profit
- $-30,371
- Equity at exit
- $26,689
- IRR
- -7.3%
- Equity multiple
- 0.52×
- Total profit
- $-24,059
- Equity at exit
- $15,477
Cash invested: $50,120 (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
ZIP-level market 36330
- Home prices YoY
- -19.4%
- Rents YoY
- 3.9%
- Active inventory
- 441
- Price-to-rent
- 9.9×
Monthly cashflow live
- Estimated rent
- $1,510 medium interval (Pro) →
- Mortgage (P&I)
- −$939
- Tax est. 1.5%
- −$224 /mo · $2,685/yr
- Insurance
- −$75
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$317
- Net cashflow
- $-44
Break-even live
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
- $44,750
- Closing costs
- $5,370
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 14 events
-
2026-06-12statusdays on market $179,000 Pending 71 DOM
-
2026-06-09days on market $179,000 Active 68 DOM
-
2026-06-08days on market $179,000 Active 67 DOM
-
2026-06-07days on market $179,000 Active 66 DOM
-
2026-06-05days on market $179,000 Active 63 DOM
-
2026-06-03days on market $179,000 Active 62 DOM
-
2026-06-02days on market $179,000 Active 61 DOM
-
2026-06-01days on market $179,000 Active 60 DOM
-
2026-05-31days on market $179,000 Active 59 DOM
-
2026-05-30days on market $179,000 Active 58 DOM
-
2026-05-05status Pending
-
2026-04-24price $179,000
-
2026-04-05price $187,900
-
2026-03-07$192,900 Active
ⓘ 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 4/10 Moderate
- Heat 8/10 Severe 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
- Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $18,123
- − Mortgage interest
- −$10,027
- − Property taxes
- −$2,685
- − Insurance
- −$895
- − Repairs & maintenance
- −$1,450
- − Management
- −$1,450
- − Depreciation
- −$5,207
- Taxable loss
- −$3,591
- Est. tax savings @ 24.0%
- +$862
- After-tax cash flow
- $335/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
- Coffee County
- NCES district ID
- 0100810
- Math proficiency
- 27% ▼ -21.00%
- Reading proficiency
- 50% ▲ 3.00%
- Median HH income
- $43,693
- Composite
- 32.56/100
- National rank
- #5682
- State rank
- #30 of 129 in AL
Livability — Enterprise
- Score
- 65/100
- State rank
- #127
- US rank
- #12953
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Coffee County · 39,557 people
- City population
- 39,557
- Metro
- Enterprise, AL
- Population (ZIP)
- 39,557
- Household income
- $75,765
- Rent vs Own
- Severe rent burden
- 1126.0
Population outlook (Coffee County) Hauer SSP2
- Today (2025)
- 53,133 people
- By 2030
- 53,832 · +1.3%
- By 2040
- 54,504 · +2.6%
- By 2050
- 54,289 · +2.2%
- By 2075
- 51,175 · -3.7%
- By 2100
- 46,793 · -11.9%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.56)
- Race & ethnicity
- White 63% Black 17% Hispanic / Latino 13% Two or more races 9% Asian 1%
- Hispanic origin (detail)
- Mexican 6% Puerto Rican 3%
- Common ancestry
- Italian 3% Lithuanian 2% Serbian 2%
- Foreign-born
- 6% · Canada, Vietnam, South Korea
- Languages at home
- 89% English-only · Spanish 8% German/W. Germanic 2%
Political lean MEDSL · Coffee
- 2024 margin
- Solid R (+57.9) · D 20.7% · R 78.6%
- 2008→2024 swing
- -9.0pp toward R · 2008: -48.9pp · 2024: -57.9pp
- All cycles
- 2024: R+57.9 2020: R+53.1 2016: R+56.7 2012: R+49.4 2008: R+48.9
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -44.44%
- Current HPI
- 184.0163
- Rent YoY
- ▲ 3.92%
- Metro
- Enterprise, 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
-7.2% since first listed4 events — show timeline
- 2026-05-05 Pending — WBR
- 2026-04-24 Price Changed $179,000 WBR
- 2026-04-05 Price Changed $187,900 WBR
- 2026-03-07 Listed $192,900 WBR
Property tax history
+0.8%/yrLatest (2025): $98 · -21.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…