3019 50th St · Valley, AL 36854

$100,000

3 bd · 1.0 ba · 1,328 sqft · SingleFamily public records · 102 Days on market

Built 1929 0.38 ac lot $75/sqft · 36% below area Est $156k · 36% under

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Why this score? — see what drove the B 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover this cozy 3-bedroom, 1-bath gem featuring 1,328 sq. ft. of comfortable living space. Newly renovated, : New floors, new roof, freshly painted walls, new appliances, new hot water heater. Enjoy a bright living room, a separate dining area, and plenty of room to relax. Nestled on a generous 0.329-acre lot, there’s ample space for outdoor activities, gardening, or future expansion. Note: No heating or air conditioning. For SALE AS IS. Prime Location! Situated in the heart of Valley, Alabama, this home is conveniently located near local schools, shopping centers, and dining options. Enjoy easy access to I-85, making commuting to Auburn, Opelika, and LaGrange a breeze. Just minutes from Valley Sportsplex, Lake Harding, and the Chattahoochee River. Don’t miss out on this great opportunity—schedule your showing today!

Key facts

• New floors
• Generous lot
• New hot water heater

Tags

• NEW FLOORS
• NEW ROOF
• FRESHLY PAINTED WALLS
• NEW APPLIANCES
• NEW HOT WATER HEATER
• GENEROUS LOT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $486 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $91k (9.0% below list) — sets the bar for market timing.
• Cap rate 12.1% vs local median 2.9% in Valley — 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 66/100 on livability (#96 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B; Watch: schools F, crime F, amenities F.
• Chambers County (town): math 10% / reading 37% proficiency, ranked #101 of 129 in AL (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 151 active listings in the ZIP; 43 units permitted in Chambers County in 2024 (0 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.
• Chambers County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 102 days — a 9% lower offer ($91k) 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.
• Current owner paid $57k; list at $100k implies a 75% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1929 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 62% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $91,000 (9.0% below list)

Questions for the listing agent

1. It's been on market 102 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1929 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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.
8. 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.
9. 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: 1.39% ✓
• Cap rate: 12.12%
• Cash-on-cash: 20.81%
• DSCR: 1.93
• GRM: 6.0

CMA / ARV

• ARV (median comp): $155,633
• List price: $100,000
• Delta: -35.75%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7217 King Rd	0.42mi	3/2.0	1,402 (+6%)	3mo	$253,900	$181	65

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.2%
• Equity multiple: 1.52×
• Total profit: $14,699
• Equity at exit: $14,910

10-year hold

• IRR: 22.0%
• Equity multiple: 2.88×
• Total profit: $52,509
• Equity at exit: $8,646

Cash invested: $28,000 (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 36854

• Active inventory: 151
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,385 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$43 /mo · $513/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$291
• Net cashflow: $486

Break-even live

Break-even rent $771

Max offer price $100,000

Occupancy floor 60%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-19
   days on market $100,000 Active 102 DOM
2. 2026-06-18
   days on market $100,000 Active 101 DOM
3. 2026-06-17
   days on market $100,000 Active 100 DOM
4. 2026-06-16
   days on market $100,000 Active 99 DOM
5. 2026-06-15
   days on market $100,000 Active 98 DOM
6. 2026-06-14
   days on market $100,000 Active 96 DOM
7. 2026-06-12
   days on market $100,000 Active 95 DOM
8. 2026-06-09
   days on market $100,000 Active 92 DOM
9. 2026-06-08
   days on market $100,000 Active 91 DOM
10. 2026-06-07
    days on market $100,000 Active 90 DOM
11. 2026-06-05
    days on market $100,000 Active 87 DOM
12. 2026-06-02
    days on market $100,000 Active 85 DOM
13. 2026-06-01
    days on market $100,000 Active 84 DOM
14. 2026-05-31
    days on market $100,000 Active 83 DOM
15. 2026-05-30
    days on market $100,000 Active 82 DOM
16. 2026-05-06
    price $100,000 849-char remark

    Show marketing remark (849 chars)

    Discover this cozy 3-bedroom, 1-bath gem featuring 1,328 sq. ft. of comfortable living space. Newly renovated, : New floors, new roof, freshly painted walls, new appliances, new hot water heater. Enjoy a bright living room, a separate dining area, and plenty of room to relax. Nestled on a generous 0.329-acre lot, there’s ample space for outdoor activities, gardening, or future expansion. Note: No heating or air conditioning. For SALE AS IS. Prime Location! Situated in the heart of Valley, Alabama, this home is conveniently located near local schools, shopping centers, and dining options. Enjoy easy access to I-85, making commuting to Auburn, Opelika, and LaGrange a breeze. Just minutes from Valley Sportsplex, Lake Harding, and the Chattahoochee River. Don’t miss out on this great opportunity—schedule your showing today!

17. 2026-03-09
    listed $105,000 Active 849-char remark

    Show marketing remark (849 chars)

    Discover this cozy 3-bedroom, 1-bath gem featuring 1,328 sq. ft. of comfortable living space. Newly renovated, : New floors, new roof, freshly painted walls, new appliances, new hot water heater. Enjoy a bright living room, a separate dining area, and plenty of room to relax. Nestled on a generous 0.329-acre lot, there’s ample space for outdoor activities, gardening, or future expansion. Note: No heating or air conditioning. For SALE AS IS. Prime Location! Situated in the heart of Valley, Alabama, this home is conveniently located near local schools, shopping centers, and dining options. Enjoy easy access to I-85, making commuting to Auburn, Opelika, and LaGrange a breeze. Just minutes from Valley Sportsplex, Lake Harding, and the Chattahoochee River. Don’t miss out on this great opportunity—schedule your showing today!

18. 2025-08-25
    price $115,000
19. 2025-08-12
    price $115,000
20. 2025-06-27
    price $118,000
21. 2025-06-16
    price $120,000
22. 2025-06-16
    price $120,000
23. 2025-06-16
    price $123,000
24. 2025-06-05
    price $122,000
25. 2025-02-24
    listed $125,000 Active
26. 2024-03-04
    soldstatus $57,250

ⓘ 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: $513 · $43/mo
• Projected year-2 tax: $513 · $43/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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 62% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,626
• − Mortgage interest: −$5,602
• − Property taxes: −$513
• − Insurance: −$500
• − Repairs & maintenance: −$1,330
• − Management: −$1,330
• − Depreciation: −$2,909
• Taxable income: $4,442
• Est. tax owed @ 24.0%: −$1,066
• After-tax cash flow: $4,762/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: Chambers County
• NCES district ID: 0100600
• Math proficiency: 10% ▼ -26.00%
• Reading proficiency: 37% ▼ -1.00%
• Median HH income: $36,011
• Composite: 19.37/100
• National rank: #8785
• State rank: #101 of 129 in AL

Livability — Valley

• Score: 66/100
• State rank: #96
• US rank: #11347

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Valley, AL
• Population (ZIP): 15,913

Population outlook (Chambers County) Hauer SSP2

• Today (2025): 33,868 people
• By 2030: 33,504 · -1.1%
• By 2040: 32,594 · -3.8%
• By 2050: 31,422 · -7.2%
• By 2075: 29,054 · -14.2%
• By 2100: 25,431 · -24.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (67%)
• Race & ethnicity: White 67% Black 28% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Slovak 2% Italian 1% Serbian 1%
• Foreign-born: 3% · Canada, South Korea
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1% Korean 1%

Political lean MEDSL · Chambers

• 2024 margin: Strong R (+23.2) · D 38.0% · R 61.2%
• 2008→2024 swing: -14.8pp toward R · 2008: -8.5pp · 2024: -23.2pp
• All cycles: 2024: R+23.2 2020: R+15.6 2016: R+14.8 2012: R+5.1 2008: R+8.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -149.05%
• Current HPI: 186.0298
• 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

+74.7% since first listed

11 events — show timeline

• 2026-05-06 Price Changed $100,000 EABOR
• 2026-03-09 Listed $105,000 EABOR
• 2025-08-25 Price Changed $115,000 CBOR
• 2025-08-12 Price Changed $115,000 EABOR
• 2025-06-27 Price Changed $118,000 EABOR
• 2025-06-16 Price Changed $120,000 EABOR
• 2025-06-16 Price Changed $120,000 CBOR
• 2025-06-16 Price Changed $123,000 CBOR
• 2025-06-05 Price Changed $122,000 EABOR
• 2025-02-24 Listed $125,000 EABOR
• 2024-03-04 Sold (Public Records) $57,250 Public Records

Property tax history

+5.4%/yr

Latest (2025): $513 · +51.8% YoY. Source: county tax records.