5131 Seven Pine Cir #5131 · Huntsville, AL 35816

$99,900

1 bd · 1.0 ba · 792 sqft · Condo public records · 411 Days on market

Built 1985 $126/sqft · 20% below area Est $127k · 21% under $165/mo HOA · 18% 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).

• ARV discount +15.0/15.0
• Cash flow +8.8/30.0
• 1% rule +4.1/10.0
• Livability +4.1/5.0
• Rent growth +3.2/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your cozy one-bedroom, one-bathroom condo, perfectly situated in a vibrant community that offers both comfort and convenience. The spacious bedroom boasts a large walk-in closet and access to one of the 2 large patios. Easy access to community amenities including pool and tennis court. Conveniently located to shopping, dining and entertainment.

Key facts

• Tennis court
• Large patios
• Walk-in closet

Tags

• WALK-IN CLOSET
• LARGE PATIOS
• COMMUNITY AMENITIES
• POOL
• TENNIS COURT

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $100k.

Deal economics

• At list price, monthly cash flow is $-83 ($-993/yr) — negative.
• To cash-flow at today's rent, offer at most $85k (14.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $91k (9.2% below list).
• Recommended offer: $85k (14.6% below list) — sets the bar for cash-flow.
• Cap rate 5.3% 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.
• Huntsville City (urban): math 21% / reading 46% proficiency, ranked #48 of 129 in AL (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Highlands Elementary School (math 2% / reading 27%, grade F, #508 of 627 statewide, top 84%, 371 students, 83% FRL); Ronald Mcnair 78 (math 0% / reading 23%, grade F, #225 of 257 statewide, top 88%, 414 students, 87% FRL) — zoned schools average 85% FRL vs 46% district-wide (39 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 13% at this address vs 34% district-wide (-20 pts) — the specific schools serving this property underperform the Huntsville City average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+2.7%/yr); 66 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 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 $691 of loan paydown is wiped out by about $3k 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

• It's been on market 411 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 6y 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.
• Current owner paid $40k; list at $100k implies a 150% gain — meaningful room to come down on a strong offer.

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 $85,287 (14.6% 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. It's been on market 411 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. 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.
10. 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.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.91% ✗
• Cap rate: 5.30%
• Cash-on-cash: -3.55%
• DSCR: 0.84
• GRM: 9.2

CMA / ARV

• ARV (median comp): $126,813
• List price: $99,900
• Delta: -21.22%
• Verdict: UNDERPRICED
• Comps: 18 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 2.66% rent growth · sell at horizon

5-year hold

• IRR: -22.6%
• Equity multiple: 0.22×
• Total profit: $-21,685
• Equity at exit: $14,895

10-year hold

• IRR: -17.6%
• Equity multiple: 0.05×
• Total profit: $-26,600
• Equity at exit: $8,638

Cash invested: $27,972 (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 35816

• Home prices YoY: -9.0%
• Rents YoY: 2.7%
• Active inventory: 66
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $907 high
• Mortgage (P&I): −$524
• Tax from tax record: −$69 /mo · $825/yr
• Insurance: −$42
• HOA: −$165
• Vacancy / Maint / Mgmt: −$190
• Net cashflow: $-83

Break-even live

Break-even rent $1,012

Max offer price $85,287

Occupancy floor —

Sensitivity live

Price	-10% $-26	-5% $-54	+0% $-83	+5% $-111	+10% $-139
Rent	-10% $-154	-5% $-119	+0% $-83	+5% $-47	+10% $-11
Rate	-1.0pp $-32	-0.5pp $-57	base $-83	+0.5pp $-109	+1.0pp $-135

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4924 Cotton Row NW Unit b Huntsville, AL	2.0	1.0	850	$850	$1.00	25d	1	0.07mi
4931 Cotton Row NW Unit C Huntsville, AL	2.0	1.5	995	$950	$0.95	45d	1	0.09mi
4918 Cotton Row NW Unit D Huntsville, AL	2.0	1.0	850	$850	$1.00	45d	1	0.12mi
5001 7 Pine Cir Unit 1 Huntsville, AL	2.0	2.0	1060	$1,400	$1.32	45d	1	0.16mi
4906 Cotton Row NW Unit B Huntsville, AL	2.0	1.0	850	$785	$0.92	25d	1	0.23mi
4906 Cotton Row NW Unit C Huntsville, AL	2.0	1.0	850	$750	$0.88	45d	1	0.23mi
4909 Cotton Row NW Unit C Huntsville, AL	2.0	1.0	846	$750	$0.89	45d	1	0.24mi
5001 Galaxy Way NW Huntsville, AL	1.0–2.0	1.0–2.0	796	$899	$1.13	25d	6	0.25mi
4947 7 Pine Cir Unit 4947 Huntsville, AL	1.0	1.0	744	$700	$0.94	15d	1	0.27mi
1601 Sparkman Dr NW Unit 108 Huntsville, AL	2.0	2.0	1072	$950	$0.89	45d	1	0.29mi
650 Wynn Dr NW Huntsville, AL	1.0–2.0	1.0–2.0	820	$914	$1.11	15d	2	0.39mi
4524 Bonnell Dr NW Unit C Huntsville, AL	2.0	1.0	800	$750	$0.94	15d	1	0.42mi
1535 Sparkman Dr NW Huntsville, AL	2.0	1.0–1.5	940	$959	$1.02	45d	1	0.43mi
1505 Sparkman Dr NW Huntsville, AL	2.0–3.0	1.5–2.0	1150	$1,069	$0.93	23d	4	0.44mi
1510 Halston Cir NW Unit A Huntsville, AL	2.0	2.0	1000	$850	$0.85	45d	1	0.44mi
1503 Halston Cir NW Unit D Huntsville, AL	2.0	2.0	1030	$850	$0.83	45d	1	0.44mi
4514 Bonnell Dr NW Unit C Huntsville, AL	2.0	1.0	833	$775	$0.93	45d	1	0.49mi
4515 Bonnell Dr NW Huntsville, AL	1.0–2.0	1.0–2.0	800	$899	$1.12	15d	8	0.62mi
1427 Ascent Trl NW Apt C Huntsville, AL	1.0	1.0	650	$775	$1.19	45d	1	0.64mi
1500 Sparkman Dr NW Huntsville, AL	1.0–2.0	1.0	725	$599	$0.83	45d	12	0.64mi
1504 Ascent Trl NW Unit b Huntsville, AL	2.0	2.0	900	$895	$0.99	25d	1	0.64mi
4434 Bonnell Dr NW Unit B Huntsville, AL	2.0	2.0	900	$900	$1.00	25d	1	0.67mi
4437 Torrance Dr NW Unit B Huntsville, AL	2.0	1.0	930	$898	$0.97	23d	1	0.67mi
100 Chawston Ave NW Huntsville, AL	1.0–3.0	1.0–2.5	1133	$1,519	$1.34	15d	31	0.69mi
6634 Willow Pointe Dr NW Unit F Huntsville, AL	1.0	1.0	572	$850	$1.49	45d	1	0.72mi
1401 Ascent Trl NW Huntsville, AL	2.0	1.0	850	$950	$1.12	45d	2	0.75mi
6620 Willow Pointe NW Huntsville, AL	1.0	1.0	714	$1,000	$1.40	45d	1	0.75mi
4426 Torrance Dr NW Huntsville, AL	1.0	1.0	750	$799	$1.07	45d	1	0.80mi
4414 Bonnell Dr NW Apt B Huntsville, AL	2.0	2.0	1015	$895	$0.88	45d	1	0.83mi
4414 Bonnell Dr NW Apt B Huntsville, AL	2.0	2.0	1015	$895	$0.88	25d	1	0.83mi
1002 Stones Throw Dr NW Unit 1 Huntsville, AL	1.0	1.0	976	$1,150	$1.18	45d	1	0.88mi
6644 Willow Pointe Dr NW Unit A Huntsville, AL	2.0	2.0	1044	$1,025	$0.98	15d	1	0.89mi
5810 Stax St NW Huntsville, AL	3.0	1.0–2.0	1188	$1,646	$1.38	15d	237	0.90mi
1155 Old Monrovia Rd NW Unit I Huntsville, AL	2.0	2.0	1075	$1,295	$1.20	15d	1	0.94mi
925 Makers Way NW Huntsville, AL	3.0	1.0–2.0	1072	$1,478	$1.38	25d	52	0.96mi
1155 Old Monrovia Rd NW Huntsville, AL	2.0	2.0	1050	$1,246	$1.19	23d	1	0.96mi
1155 Old Monrovia Rd NW Huntsville, AL	1.0–2.0	1.0–2.0	950	$1,178	$1.24	15d	3	0.96mi
5801 Sanderson St NW Huntsville, AL	1.0–3.0	1.0–2.0	1088	$1,113	$1.02	15d	14	1.02mi
1409 Lancewood Dr NW Huntsville, AL	1.0–3.0	1.0	900	$799	$0.89	15d	10	1.09mi
1550 Perimeter Pkwy NW Huntsville, AL	1.0–2.0	1.0	637	$1,299	$2.04	15d	4	1.12mi

HOA detail condo

• Monthly dues: $165 · $1,980/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 19 events

1. 2026-06-22
   days on market $99,900 Active 411 DOM
2. 2026-06-18
   days on market $99,900 Active 408 DOM
3. 2026-06-17
   days on market $99,900 Active 407 DOM
4. 2026-06-16
   days on market $99,900 Active 406 DOM
5. 2026-06-15
   days on market $99,900 Active 405 DOM
6. 2026-06-14
   days on market $99,900 Active 403 DOM
7. 2026-06-10
   days on market $99,900 Active 400 DOM
8. 2026-06-09
   days on market $99,900 Active 399 DOM
9. 2026-06-08
   days on market $99,900 Active 398 DOM
10. 2026-06-07
    days on market $99,900 Active 397 DOM
11. 2026-06-03
    days on market $99,900 Active 393 DOM
12. 2026-06-02
    days on market $99,900 Active 392 DOM
13. 2026-06-01
    days on market $99,900 Active 391 DOM
14. 2026-05-31
    days on market $99,900 Active 390 DOM
15. 2026-05-30
    days on market $99,900 Active 389 DOM
16. 2025-05-06
    listed $99,900 Active 357-char remark

    Show marketing remark (357 chars)

    Welcome to your cozy one-bedroom, one-bathroom condo, perfectly situated in a vibrant community that offers both comfort and convenience. The spacious bedroom boasts a large walk-in closet and access to one of the 2 large patios. Easy access to community amenities including pool and tennis court. Conveniently located to shopping, dining and entertainment.

17. 2020-12-17
    soldstatus $40,000
18. 2020-12-16
    soldstatus $40,000 Sold 57-char remark

    Show marketing remark (57 chars)

    1 Bedroom lower level condo. Being SOLD "AS IS"

19. 2020-11-28
    listed $40,000 57-char remark

    Show marketing remark (57 chars)

    1 Bedroom lower level condo. Being SOLD "AS IS"

ⓘ 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: $825 · $69/mo
• Projected year-2 tax: $825 · $69/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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 16% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,884
• − Mortgage interest: −$5,596
• − Property taxes: −$825
• − Insurance: −$500
• − Repairs & maintenance: −$871
• − Management: −$871
• − HOA: −$1,980
• − Depreciation: −$2,906
• Taxable loss: −$2,664
• Est. tax savings @ 24.0%: +$639
• After-tax cash flow: $-353/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: Huntsville City
• NCES district ID: 0101800
• Math proficiency: 21% ▼ -23.00%
• Reading proficiency: 46% ▬ 0.00%
• Median HH income: $48,264
• Composite: 28.84/100
• National rank: #6647
• State rank: #48 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
• County: Madison County · 380,832 people
• City population: 220,435
• Metro: Huntsville, AL
• Population (ZIP): 15,939
• Household income: $40,242
• Rent vs Own: 75.9% rent · 24.1% own
• Severe rent burden: 1145.0

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: Majority Black (63%)
• Race & ethnicity: Black 63% White 22% Hispanic / Latino 9% Two or more races 5% Native American 2% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Serbian 1% Italian 1% Swedish 1%
• Foreign-born: 5% · Canada
• Languages at home: 92% English-only · Spanish 5% 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: ▼ -24.06%
• Current HPI: 243.5404
• Rent YoY: ▲ 2.66%
• 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

+149.8% since first listed

4 events — show timeline

• 2025-05-06 Listed $99,900 VMLS
• 2020-12-17 Sold (Public Records) $40,000 Public Records
• 2020-12-16 Sold (MLS) $40,000 VMLS
• 2020-11-28 Listed $40,000 VMLS

Property tax history

+6.7%/yr

Latest (2024): $825 · +14.5% YoY. Source: county tax records.