137 Randall Cir · Clanton, AL 35045

$181,900

4 bd · 2.0 ba · 1,010 sqft · SingleFamily public records · 20 Days on market

Built 1991 0.43 ac lot $180/sqft · 30% above area Est $279k · 35% under ↓ 9% since listing

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Why this score? — see what drove the C- 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 +17.2/30.0
• ARV discount +15.0/15.0
• DSCR +5.4/10.0
• 1% rule +3.4/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Come see this 4 bedroom and 2 bath, all brick home on a large lot. It is in a nice subdivision and would make a great home for a family. It also has 2 living areas. "Purchasers may use any lender they choose to finance the purchase of a property. However, the seller requires that all non-cash offers must be pre-qualified by Caliber Home Loans, Inc. prior to offer acceptance. For the free pre-qualification, contact Patricia Nicholson at [phone]". All offers will be reviewed on day 8. Under FinCens new RRE Rule, transfers will be subject to reporting when buyers use entities or trusts to take title to residential real estate, when the transaction is all cash, privately financed or HELOC.

Key facts

• Large lot
• All brick home
• 2 living areas

Tags

• ALL BRICK HOME
• LARGE LOT
• 2 LIVING AREAS

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $182k.

Deal economics

• At list price, monthly cash flow is $76 ($909/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $153k (15.7% below list).
• Recommended offer: $153k (15.7% below list) — sets the bar for 1% rule.
• Cap rate 7.2% vs local median 3.4% in Clanton — 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 61/100 on livability (#259 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, crime D-, amenities F.
• Chilton County (rural): math 15% / reading 34% proficiency, ranked #94 of 129 in AL (top 73%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 125 active listings in the ZIP; 25 units permitted in Chilton 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.
• Chilton County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($179k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo.
• Climate carrying-cost: major flood risk; major wind risk, 67% 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 $153,300 (15.7% below list)

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is D 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. 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.
6. 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.
7. 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: 7.16%
• Cash-on-cash: 3.09%
• DSCR: 1.14
• GRM: 9.9

CMA / ARV

• ARV (median comp): $279,258
• List price: $181,900
• Delta: -34.86%
• Verdict: UNDERPRICED
• Comps: 11 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -13.5%
• Equity multiple: 0.52×
• Total profit: $-24,702
• Equity at exit: $27,122

10-year hold

• IRR: -4.6%
• Equity multiple: 0.70×
• Total profit: $-15,506
• Equity at exit: $15,727

Cash invested: $50,932 (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 35045

• Home prices YoY: -25.8%
• Active inventory: 125
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $1,533 medium
• Mortgage (P&I): −$954
• Tax from tax record: −$50 /mo · $601/yr
• Insurance: −$76
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$322
• Net cashflow: $76

Break-even live

Break-even rent $1,437

Max offer price $181,900

Occupancy floor 90%

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: $45,475
• Closing costs: $5,457
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-05-11
   status Pending 711-char remark

   Show marketing remark (711 chars)

   Come see this 4 bedroom and 2 bath, all brick home on a large lot. It is in a nice subdivision and would make a great home for a family. It also has 2 living areas. "Purchasers may use any lender they choose to finance the purchase of a property. However, the seller requires that all non-cash offers must be pre-qualified by Caliber Home Loans, Inc. prior to offer acceptance. For the free pre-qualification, contact Patricia Nicholson at [phone]". All offers will be reviewed on day 8. Under FinCens new RRE Rule, transfers will be subject to reporting when buyers use entities or trusts to take title to residential real estate, when the transaction is all cash, privately financed or HELOC.

2. 2026-04-20
   listed $181,900 Active 711-char remark

   Show marketing remark (711 chars)

   Come see this 4 bedroom and 2 bath, all brick home on a large lot. It is in a nice subdivision and would make a great home for a family. It also has 2 living areas. "Purchasers may use any lender they choose to finance the purchase of a property. However, the seller requires that all non-cash offers must be pre-qualified by Caliber Home Loans, Inc. prior to offer acceptance. For the free pre-qualification, contact Patricia Nicholson at [phone]". All offers will be reviewed on day 8. Under FinCens new RRE Rule, transfers will be subject to reporting when buyers use entities or trusts to take title to residential real estate, when the transaction is all cash, privately financed or HELOC.

3. 2025-01-03
   soldstatus $263,000
4. 2024-12-13
   soldstatus $263,000 Sold 269-char remark

   Show marketing remark (269 chars)

   Spacious Living for Your Growing Family. This 4-side brick home showcases five bedrooms and two bathrooms. The finished basement could easily convert into an in-law suite, office or a game room. This home is in a great location very convenient to the interstate. No HOA

5. 2024-11-08
   historical Contingent 269-char remark

   Show marketing remark (269 chars)

   Spacious Living for Your Growing Family. This 4-side brick home showcases five bedrooms and two bathrooms. The finished basement could easily convert into an in-law suite, office or a game room. This home is in a great location very convenient to the interstate. No HOA

6. 2024-09-09
   price $250,000 269-char remark

   Show marketing remark (269 chars)

   Spacious Living for Your Growing Family. This 4-side brick home showcases five bedrooms and two bathrooms. The finished basement could easily convert into an in-law suite, office or a game room. This home is in a great location very convenient to the interstate. No HOA

7. 2024-07-24
   price $255,000 269-char remark

   Show marketing remark (269 chars)

   Spacious Living for Your Growing Family. This 4-side brick home showcases five bedrooms and two bathrooms. The finished basement could easily convert into an in-law suite, office or a game room. This home is in a great location very convenient to the interstate. No HOA

8. 2024-07-11
   price $260,000 269-char remark

   Show marketing remark (269 chars)

   Spacious Living for Your Growing Family. This 4-side brick home showcases five bedrooms and two bathrooms. The finished basement could easily convert into an in-law suite, office or a game room. This home is in a great location very convenient to the interstate. No HOA

9. 2024-07-08
   listed $270,000 Active 269-char remark

   Show marketing remark (269 chars)

   Spacious Living for Your Growing Family. This 4-side brick home showcases five bedrooms and two bathrooms. The finished basement could easily convert into an in-law suite, office or a game room. This home is in a great location very convenient to the interstate. No HOA

10. 2022-04-12
    soldstatus $180,000
11. 2022-04-01
    soldstatus $180,000 Sold
12. 2022-03-01
    historical Contingent
13. 2021-11-07
    listed $199,900 Active

ⓘ 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: $601 · $50/mo
• Projected year-2 tax: $746 · $62/mo
• Expected delta: +$145/yr (+$12/mo · 24.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 97% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 67% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,396
• − Mortgage interest: −$10,189
• − Property taxes: −$601
• − Insurance: −$1,576
• − Repairs & maintenance: −$1,472
• − Management: −$1,472
• − Depreciation: −$5,292
• Taxable loss: −$2,205
• Est. tax savings @ 24.0%: +$529
• After-tax cash flow: $1,438/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: Chilton County
• NCES district ID: 0100660
• Math proficiency: 15% ▼ -26.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $41,269
• Composite: 20.73/100
• National rank: #8520
• State rank: #94 of 129 in AL

Livability — Clanton

• Score: 61/100
• State rank: #259
• US rank: #18072

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Clanton, AL
• County: Chilton County · 15,324 people
• City population: 15,324
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 15,324
• Household income: $65,907
• Rent vs Own: 28.3% rent · 71.7% own
• Severe rent burden: 326.0

Population outlook (Chilton County) Hauer SSP2

• Today (2025): 44,064 people
• By 2030: 43,694 · -0.8%
• By 2040: 42,168 · -4.3%
• By 2050: 39,667 · -10.0%
• By 2075: 31,397 · -28.7%
• By 2100: 21,319 · -51.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Black 9% Hispanic / Latino 7% Two or more races 4% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Slovak 2% Serbian 2% Italian 1%
• Foreign-born: 3% · Canada, South Korea
• Languages at home: 95% English-only · Spanish 4% Other Indo-European 1%

Political lean MEDSL · Chilton

• 2024 margin: Solid R (+72.1) · D 13.7% · R 85.8%
• 2008→2024 swing: -14.3pp toward R · 2008: -57.8pp · 2024: -72.1pp
• All cycles: 2024: R+72.1 2020: R+67.4 2016: R+66.6 2012: R+60.3 2008: R+57.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -65.21%
• Current HPI: 187.6339
• Rent YoY: —
• Metro: Birmingham-Hoover, 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

-9.0% since first listed

13 events — show timeline

• 2026-05-11 Pending — Greater Alabama MLS
• 2026-04-20 Listed $181,900 Greater Alabama MLS
• 2025-01-03 Sold (Public Records) $263,000 Public Records
• 2024-12-13 Sold (MLS) $263,000 Greater Alabama MLS
• 2024-11-08 Contingent — Greater Alabama MLS
• 2024-09-09 Price Changed $250,000 Greater Alabama MLS
• 2024-07-24 Price Changed $255,000 Greater Alabama MLS
• 2024-07-11 Price Changed $260,000 Greater Alabama MLS
• 2024-07-08 Listed $270,000 Greater Alabama MLS
• 2022-04-12 Sold (Public Records) $180,000 Public Records
• 2022-04-01 Sold (MLS) $180,000 Greater Alabama MLS
• 2022-03-01 Contingent — Greater Alabama MLS
• 2021-11-07 Listed $199,900 Greater Alabama MLS

Property tax history

+7.1%/yr

Latest (2025): $601 · -13.7% YoY. Source: county tax records.