2079 N Seacliff Dr #2079 · Daphne, AL
Flood risk No data
- FEMA flood zone
- —
- Chance of flooding over 30 yrs
- —
- Est. flood insurance / yr
- —
Fire risk No data
- Est. fire insurance / yr
- —
Heat risk No data
- Hot days now (above threshold)
- —
- Hot days in 30 yrs
- —
Wind risk No data
- Chance of severe wind over 30 yrs
- —
Air-quality risk No data
- Unhealthy air days now
- —
- Unhealthy air days in 30 yrs
- —
Risk factors via First Street. Map © Google.
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 +7.8/30.0
- 1% rule +5.4/10.0
- Schools +4.4/10.0
- Livability +3.8/5.0
- Condition / age +3.8/5.0
- Rent growth +2.9/5.0
- DSCR +1.9/10.0
- Appreciation +0.0/10.0
$120,000
2079 N Seacliff Dr #2079 · Daphne, AL 36526
1 bd · 1.0 ba · 538 sqft · SingleFamily
· 128 Days on market
Built 1973
$223/sqft
· 20% below area
Est $150k · 20% under
$294/mo HOA · 24% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome to a rare opportunity to own a condo that will double as a short-term rental business! Whether you’re dreaming of being your own boss, this condo is ready to generate income from day one! Operate it as an Airbnb or long term rental. Nestled under trees and in a great location, this cute one bedroom one bath condo is located just off I-10 and close to the bay and all city amenities! With a little TLC, this condo could make the most adorable Airbnb around! Walk to a waterfront restaurant and enjoy the sunset! Laminate, tile and carpet flooring, large soaking tub in bath, granite countertops in bath, and balcony for sitting and enjoying nature. Don’t miss a chance to step into your own business while creating memorable guest experiences to our little piece of paradise! BUYER TO VERIFY ALL INFORMATION DURING DUE DILIGENCE. Buyer to verify all information during due diligence.
Key facts
- Large soaking tub
- Balcony
- Granite countertops
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 1-bed/1.0-bath single-family listed at $120k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-135 ($-2k/yr) — negative.
- To cash-flow at today's rent, offer at most $100k (16.3% below list).
- Meets the 1% rule at list price ($1k rent vs $120k).
- Recommended offer: $100k (16.3% below list) — sets the bar for cash-flow.
- Cap rate 4.9% vs local median 4.0% in Daphne — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
Location & tenants
- Location reads 75/100 on livability (#18 in AL, #3,949 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A; Watch: amenities F, commute F.
- Baldwin County (rural): math 33% / reading 57% proficiency, ranked #18 of 129 in AL (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Daphne Elementary School (math 37% / reading 57%, grade D-, #142 of 627 statewide, top 25%, 693 students, 53% FRL); Daphne Middle School (math 25% / reading 62%, grade D, #45 of 257 statewide, top 18%, 846 students, 45% FRL); Daphne High School (math 41% / reading 40%, grade F, #33 of 305 statewide, top 11%, 1,725 students, 40% FRL).
- Market conditions: Rents rising (+1.7%/yr); 764 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 70d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,883 units permitted in Baldwin County in 2024 (481 in 5+ unit buildings).
- This rent is only 17% of the median local income ($89k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $830 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Baldwin County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 128 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
- 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
- Watch-outs: HOA is 24% of rent.
Recommended offer
$100,428
(16.3% below list)
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 128 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
- Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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
- 1.04% ✓
- Cap rate
- 4.94%
- Cash-on-cash
- -4.83%
- DSCR
- 0.79
- GRM
- 8.0
CMA / ARV
- ARV (median comp)
- $150,350
- List price
- $120,000
- Delta
- -20.19%
- Verdict
- UNDERPRICED
- Comps
- 1 within 2.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2062 N Seacliff Dr #2062 | 0.02mi | 1/1.0 | 538 (0%) | 2mo | $135,000 | $251 | 97 |
| 2081 N Sea Cliff Dr Unit 2B | 0.00mi | 1/1.0 | 538 (0%) | 3mo | $115,000 | $214 | 97 |
| 2089 N Seacliff Dr #2089 | 0.00mi | 1/1.0 | 538 (0%) | 5mo | $120,000 | $223 | 96 |
| 2061 N Seacliff Dr #2061 | 0.00mi | 1/1.0 | 538 (0%) | 5mo | $123,000 | $229 | 96 |
| 1064 Sea Clf N #1064 | 0.08mi | 1/1.0 | 538 (0%) | 4mo | $110,000 | $204 | 93 |
| 1078 Sea Clf N #1078 | 0.13mi | 1/1.0 | 538 (0%) | 2mo | $85,000 | $158 | 92 |
| 1083 Sea Cliff Dr N Unit B | 0.12mi | 1/1.0 | 538 (0%) | 3mo | $119,000 | $221 | 92 |
| 1061 Sea Clf N Unit 2B-1061 | 0.07mi | 1/1.0 | 538 (0%) | 11mo | $119,900 | $223 | 87 |
| 1082 N Seacliff Dr Unit 2B-1082 | 0.07mi | 1/1.0 | 538 (0%) | 18mo | $130,000 | $242 | 82 |
| 102 Golf Ter Unit 1A102 | 1.40mi | 1/1.0 | 600 (+12%) | 4mo | $115,000 | $192 | 42 |
| 106 Golf Ter #106 | 1.45mi | 1/1.0 | 600 (+12%) | 12mo | $110,000 | $183 | 36 |
| 126 Golf Ter #0 | 1.45mi | 1/1.0 | 600 (+12%) | 16mo | $116,000 | $193 | 33 |
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 · 1.72% rent growth · sell at horizon
5-year hold
- IRR
- -26.3%
- Equity multiple
- 0.12×
- Total profit
- $-29,451
- Equity at exit
- $17,892
10-year hold
- IRR
- -29.6%
- Equity multiple
- -0.26×
- Total profit
- $-42,288
- Equity at exit
- $10,375
Cash invested: $33,600 (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.
Active competition Active MLS
- For sale now
- 0 active · 1 under contract
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 36526
- Home prices YoY
- -21.3%
- Rents YoY
- 1.7%
- Active inventory
- 764
- Price-to-rent
- 8.0×
Monthly cashflow live
↻
- Estimated rent
- $1,251 high interval (Pro) →
- Mortgage (P&I)
- −$629
- Tax est. 1.5%
- −$150 /mo · $1,800/yr
- Insurance
- −$50
- HOA
- −$294
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$263
- Net cashflow
- $-135
Break-even live
Break-even rent
$1,422
Max offer price
$100,428
Occupancy floor
—
Sensitivity live
| Price | -10% $-52 | -5% $-94 | +0% $-135 | +5% $-177 | +10% $-218 |
|---|---|---|---|---|---|
| Rent | -10% $-234 | -5% $-185 | +0% $-135 | +5% $-86 | +10% $-36 |
| Rate | -1.0pp $-75 | -0.5pp $-105 | base $-135 | +0.5pp $-166 | +1.0pp $-198 |
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
- $30,000
- Closing costs
- $3,600
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 6 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2024 Sea Cliff Dr N Unit 2024 Daphne, AL | 1.0 | 1.0 | 538 | $1,750 | $3.25 | 70d | 1 | 0.01mi |
| 1046 Sea Cliff Dr N Daphne, AL | — | 1.0 | 447 | $975 | $2.18 | 70d | 1 | 0.05mi |
| 1050 Sea Cliff Dr N Unit 1050 Daphne, AL | 1.0 | 1.0 | 447 | $850 | $1.90 | 62d | 1 | 0.12mi |
| 2200 E Bay Dr Daphne, AL | 1.0–2.0 | 1.0–2.0 | 925 | $1,175 | $1.27 | 70d | 7 | 0.13mi |
| 29100 N Main St Daphne, AL | 1.0–2.0 | 1.0–2.0 | 576 | $800 | $1.39 | 93d | 1 | 0.84mi |
| 133 Lake Front Dr Daphne, AL | 1.0–2.0 | 1.0–2.5 | 950 | $1,148 | $1.21 | 62d | 10 | 1.20mi |
Property features AI
Finance
- Other
- Ownership: whole/full
- HOA & community
- Monthly association fee of $294Association covers grounds maintenance, pest control, and poolNo transfer feesCommunity features include outdoor pool
Exterior
- Parking
- Parking lot with 2 spaces
- Utilities
- Daphne UtilitiesRiviera Utilities
- Home design
- CondoAttached propertyOne storyFaces westResale conditionZoned for 2+ family residence
- Construction
- Wood siding with wood frame constructionComposition roofAgent-measured building area
- Exterior features
- Community/association outdoor poolHas viewStorage (exterior)
Interior
- Kitchen
- Electric rangeDishwasherRefrigerator
- Bedrooms
- Primary bedroom is on the main level (approximately 10 x 13)
- Flooring
- CarpetTileLaminate
- Bathrooms
- One full bathroom
- Heating & cooling
- Central electric cooling
- Interior features
- En-suiteSoaking tub in primary bathroomNo fireplaceStorageTermite contract
- Laundry & utility
- Washer/dryer connections (laundry located outside)Community/association pool maintained
HOA detail $294/mo · $3,528/yr
- Likely covers
- water
Listing history 50 events
-
2026-08-08days on market $120,000 Active 128 DOM
-
2026-08-07days on market $120,000 Active 127 DOM
-
2026-08-06days on market $120,000 Active 126 DOM
-
2026-08-05days on market $120,000 Active 125 DOM
-
2026-08-04days on market $120,000 Active 124 DOM
-
2026-08-03days on market $120,000 Active 123 DOM
-
2026-07-31days on market $120,000 Active 120 DOM
-
2026-07-30days on market $120,000 Active 119 DOM
-
2026-07-29days on market $120,000 Active 118 DOM
-
2026-07-27days on market $120,000 Active 116 DOM
-
2026-07-25days on market $120,000 Active 114 DOM
-
2026-07-24days on market $120,000 Active 113 DOM
-
2026-07-23days on market $120,000 Active 112 DOM
-
2026-07-22days on market $120,000 Active 111 DOM
-
2026-07-21days on market $120,000 Active 110 DOM
-
2026-07-18pricedays on market $120,000 Active 107 DOM
-
2026-07-16days on market $124,000 Active 105 DOM
-
2026-07-16days on market $124,000 Active 104 DOM
-
2026-07-14days on market $124,000 Active 103 DOM
-
2026-07-13days on market $124,000 Active 102 DOM
-
2026-07-12days on market $124,000 Active 101 DOM
-
2026-07-11days on market $124,000 Active 100 DOM
-
2026-07-10days on market $124,000 Active 99 DOM
-
2026-07-09days on market $124,000 Active 98 DOM
-
2026-07-08days on market $124,000 Active 97 DOM
-
2026-07-07days on market $124,000 Active 96 DOM
-
2026-07-06days on market $124,000 Active 95 DOM
-
2026-07-05days on market $124,000 Active 94 DOM
-
2026-07-04days on market $124,000 Active 93 DOM
-
2026-07-03days on market $124,000 Active 92 DOM
-
2026-07-02days on market $124,000 Active 91 DOM
-
2026-07-01days on market $124,000 Active 90 DOM
-
2026-06-30days on market $124,000 Active 89 DOM
-
2026-06-29days on market $124,000 Active 88 DOM
-
2026-06-28days on market $124,000 Active 87 DOM
-
2026-06-28days on market $124,000 Active 86 DOM
-
2026-06-27days on market $124,000 Active 85 DOM
-
2026-06-25days on market $124,000 Active 83 DOM
-
2026-06-23days on market $124,000 Active 81 DOM
-
2026-06-21days on market $124,000 Active 80 DOM
-
2026-06-19days on market $124,000 Active 78 DOM
-
2026-06-18days on market $124,000 Active 77 DOM
-
2026-06-17days on market $124,000 Active 76 DOM
-
2026-06-16days on market $124,000 Active 75 DOM
-
2026-06-15days on market $124,000 Active 74 DOM
-
2026-06-14days on market $124,000 Active 72 DOM
-
2026-06-13days on market $124,000 Active 71 DOM
-
2026-06-10days on market $124,000 Active 69 DOM
-
2026-06-09days on market $124,000 Active 68 DOM
-
2026-06-08days on market $124,000 Active 67 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $15,008
- − Mortgage interest
- −$6,722
- − Property taxes
- −$1,800
- − Insurance
- −$600
- − Repairs & maintenance
- −$1,201
- − Management
- −$1,201
- − HOA
- −$3,528
- − Depreciation
- −$3,491
- Taxable loss
- −$3,534
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$848
- After-tax cash flow
- $-775/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.
Condition & rehab AI · 8 photos
75/100
Cosmetic rehab
Est. rehab $2,690–$8,070 screening
This one-bedroom condo is in good condition with some cosmetic updates needed to enhance its resale and rental value.
Repairs flagged
- Minor kitchen appliances — old and outdated
- Minor kitchen cabinets — dated design
Value-add opportunities
- Both update kitchen appliances — modernizing kitchen for better resale and rental appeal ↑
- Both paint interior walls — fresh paint enhances curb appeal and interior aesthetics ↑
- Both replace kitchen cabinets — modern cabinets improve functionality and aesthetics ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
F
Composite school gradezoned avg 44/100
Zoned Schools
Elementary
Daphne Elementary School
D-
AL #142/627
Nat'l #14,504/41,679
Middle
Daphne Middle School
D
AL #45/257
Nat'l #5,067/14,009
High
Daphne High School
F
AL #33/305
Nat'l #8,052/17,239
Schools (NCES district)
- District
- Baldwin County
- NCES district ID
- 0100270
- Math proficiency
- 33% ▼ -26.00%
- Reading proficiency
- 57% ▲ 1.00%
- Median HH income
- $50,677
- Composite
- 38.61/100
- National rank
- #4157
- State rank
- #18 of 129 in AL
B
Composite livability gradescore 75/100
Livability — Daphne
- Score
- 75/100
- State rank
- #18
- US rank
- #3949
Category grades
Amenities F
Commute F
Cost of living B+
Crime A+
Employment A-
Housing A+
Health & safety A
User ratings B+
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Daphne, AL
- County
- Baldwin County · 248,264 people
- City population
- 36,484
- Metro
- Daphne-Fairhope-Foley, AL
- Population (ZIP)
- 36,484
- Household income
- $88,750
- Rent vs Own
- Severe rent burden
- 8% of renters
Population outlook (Baldwin County) Hauer SSP2
- Today (2025)
- 248,264 people
- By 2030
- 270,315 · +8.9%
- By 2040
- 312,967 · +26.1%
- By 2050
- 352,262 · +41.9%
- By 2075
- 438,841 · +76.8%
- By 2100
- 487,736 · +96.5%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (78%)
- Race & ethnicity
- White 78% Black 12% Two or more races 6% Hispanic / Latino 5% Asian 1%
- Hispanic origin (detail)
- Mexican 3%
- Common ancestry
- Slovak 3% Lithuanian 2% Italian 2%
- Foreign-born
- 4% · Canada
- Languages at home
- 95% English-only · Spanish 2% French/Haitian/Cajun 1% Russian/Polish/Slavic 1%
Political lean MEDSL · Baldwin
- 2024 margin
- Solid R (+58.2) · D 20.5% · R 78.7%
- 2008→2024 swing
- -6.7pp toward R · 2008: -51.5pp · 2024: -58.2pp
- All cycles
- 2024: R+58.2 2020: R+53.8 2016: R+57.8 2012: R+55.8 2008: R+51.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -61.47%
- Current HPI
- 227.2692
- Rent YoY
- ▲ 1.72%
- Metro
- Daphne-Fairhope-Foley, 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
+0.0% since first listed2 events — show timeline
- 2026-04-02 Listed $124,000 GCMLS AL
- 2026-04-02 Listed $124,000 BCAR
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…