813 Savannah Ln · Calera, AL 35040

$248,000

3 bd · 2.0 ba · 1,670 sqft · SingleFamily public records · 118 Days on market

Built 2001 7,840 sqft lot $149/sqft · 5% below area Est $262k · 5% under

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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).

• Cash flow +10.5/30.0
• ARV discount +9.9/15.0
• Schools +3.9/10.0
• Rent growth +3.4/5.0
• DSCR +3.0/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Single-level garden home with a relaxed, open-concept layout perfect for easy living. Featuring two spacious bedrooms and an extra room that was converted to theatre room for easy entertainment that can easily be converted back. There are two modern bathrooms with the primary bathroom that has double vanities and a walk in closet with lots of space. The main living area and marble flooring flows seamlessly from the entryway into the living room, dining area, and kitchen offering a warm and inviting space for entertaining or unwinding. Open patio that is perfect for outdoor gatherings or having your peaceful morning coffee. Schedule your private showing today.

Key facts

• Marble flooring
• Modern bathrooms
• Double vanities

Tags

• OPEN CONCEPT LAYOUT
• THEATRE ROOM
• MODERN BATHROOMS
• DOUBLE VANITIES
• WALK IN CLOSET
• MARBLE FLOORING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $248k.

Deal economics

• At list price, monthly cash flow is $-127 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $226k (9.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $175k (29.5% below list).
• Recommended offer: $175k (29.5% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 4.5% in Calera — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 59/100 on livability (#325 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, employment A-; Watch: amenities F, commute F, health & safety F.
• Shelby County (suburban): math 30% / reading 58% proficiency, ranked #16 of 129 in AL (top 12%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Calera Intermediate School (math 22% / reading 46%, grade F, #311 of 627 statewide, top 50%, 766 students, 68% FRL); Calera Middle (math 9% / reading 45%, grade F, #147 of 257 statewide, top 58%, 755 students, 61% FRL); Calera High (math 18% / reading 21%, grade F, #169 of 305 statewide, top 59%, 1,066 students, 59% FRL) — zoned schools average 63% FRL vs 26% district-wide (37 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 27% at this address vs 44% district-wide (-17 pts) — the specific schools serving this property underperform the Shelby County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.7%/yr); 374 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 987 units permitted in Shelby County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Shelby County population projected at +23% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 118 days — a 9% lower offer ($226k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y 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

• Climate carrying-cost: major wind risk, 46% 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 $174,763 (29.5% 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 118 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
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 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?
6. 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?
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: 0.70% ✗
• Cap rate: 5.68%
• Cash-on-cash: -2.19%
• DSCR: 0.90
• GRM: 11.8

CMA / ARV

• ARV (median comp): $262,109
• List price: $248,000
• Delta: -5.38%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
159 Charlton Ln	0.12mi	3/2.0	1,712 (+2%)	5mo	$249,000	$145	86
108 Hannah Cir	0.13mi	3/2.5	1,596 (-4%)	3mo	$264,900	$166	82
1042 Little Sorrel Dr	0.21mi	3/2.0	1,676 (+0%)	12mo	$250,000	$149	79
1032 Maryanna Rd	0.22mi	3/2.0	1,492 (-11%)	1mo	$250,000	$168	71
1126 Savannah Ln	0.29mi	3/2.0	1,477 (-12%)	2mo	$237,000	$160	65
166 Savannah Ln	0.27mi	3/2.0	1,878 (+12%)	2mo	$285,000	$152	65
1206 Savannah Ln	0.28mi	3/2.0	1,529 (-8%)	10mo	$223,000	$146	64
207 Bedford Ln	0.54mi	3/2.0	1,692 (+1%)	15mo	$259,000	$153	60
326 Bedford Cir	0.42mi	3/2.0	1,768 (+6%)	13mo	$258,900	$146	60
244 Crisfield Cir	0.54mi	3/2.0	1,506 (-10%)	4mo	$279,000	$185	55
129 Aviators View Dr	0.40mi	3/2.0	1,525 (-9%)	16mo	$252,500	$166	54
1057 Savannah Ln	0.36mi	3/2.0	1,423 (-15%)	6mo	$226,000	$159	54

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 · 3.67% rent growth · sell at horizon

5-year hold

• IRR: -19.3%
• Equity multiple: 0.32×
• Total profit: $-47,168
• Equity at exit: $36,978

10-year hold

• IRR: -11.0%
• Equity multiple: 0.32×
• Total profit: $-46,936
• Equity at exit: $21,443

Cash invested: $69,440 (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 35040

• Home prices YoY: -16.5%
• Rents YoY: 3.7%
• Active inventory: 374
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $1,748 high
• Mortgage (P&I): −$1,301
• Tax from tax record: −$103 /mo · $1,241/yr
• Insurance: −$103
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $-127

Break-even live

Break-even rent $1,908

Max offer price $225,625

Occupancy floor —

Sensitivity live

Price	-10% $14	-5% $-56	+0% $-127	+5% $-197	+10% $-267
Rent	-10% $-265	-5% $-196	+0% $-127	+5% $-58	+10% $11
Rate	-1.0pp $-2	-0.5pp $-64	base $-127	+0.5pp $-191	+1.0pp $-256

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: $62,000
• Closing costs: $7,440
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
115 Charlton Ln Calera, AL	3.0	2.0	1367	$1,695	$1.24	45d	1	0.17mi
951 Savannah Ln Calera, AL	3.0	2.0	1512	$1,595	$1.05	3d	1	0.21mi
446 Savannah Cv Calera, AL	3.0	2.0	1492	$1,800	$1.21	25d	1	0.42mi
680 The Heights Ln Calera, AL	3.0	2.5	1397	$1,750	$1.25	3d	1	0.73mi
699 The Heights Ln Calera, AL	2.0	2.5	1100	$1,400	$1.27	12d	1	0.74mi
192 Stonecreek Pl Calera, AL	3.0	2.0	1220	$1,738	$1.42	4d	1	0.79mi
316 Union Station Dr Calera, AL	4.0	2.0	1620	$1,775	$1.10	45d	1	0.92mi
549 Waterstone Dr Montevallo, AL	3.0	2.0	1651	$1,601	$0.97	16d	1	1.04mi
141 Union Station Dr Calera, AL	4.0	2.5	1800	$1,695	$0.94	25d	1	1.05mi
2027 Rossburg Pl Calera, AL	2.0	2.0	1073	$1,300	$1.21	25d	1	1.17mi
2000 Rossburg Pl Calera, AL	2.0	2.0	1142	$1,500	$1.31	4d	1	1.18mi
155 King Richards Way Calera, AL	3.0	2.5	1804	$1,900	$1.05	4d	1	1.32mi
916 Daventry Trl Calera, AL	3.0	2.0	1331	$1,550	$1.16	3d	1	1.33mi
109 Star View Cir Alabaster, AL	3.0	2.0	1601	$1,675	$1.05	25d	1	1.44mi

Listing history 29 events

1. 2026-06-08
   days on market $248,000 Active 118 DOM
2. 2026-06-07
   days on market $248,000 Active 117 DOM
3. 2026-06-05
   days on market $248,000 Active 114 DOM
4. 2026-06-03
   days on market $248,000 Active 113 DOM
5. 2026-06-02
   days on market $248,000 Active 112 DOM
6. 2026-06-01
   days on market $248,000 Active 111 DOM
7. 2026-05-31
   days on market $248,000 Active 110 DOM
8. 2026-05-13
   price $248,000 667-char remark

   Show marketing remark (667 chars)

   Single-level garden home with a relaxed, open-concept layout perfect for easy living. Featuring two spacious bedrooms and an extra room that was converted to theatre room for easy entertainment that can easily be converted back. There are two modern bathrooms with the primary bathroom that has double vanities and a walk in closet with lots of space. The main living area and marble flooring flows seamlessly from the entryway into the living room, dining area, and kitchen offering a warm and inviting space for entertaining or unwinding. Open patio that is perfect for outdoor gatherings or having your peaceful morning coffee. Schedule your private showing today.

9. 2026-04-13
   price $252,000 667-char remark

   Show marketing remark (667 chars)

   Single-level garden home with a relaxed, open-concept layout perfect for easy living. Featuring two spacious bedrooms and an extra room that was converted to theatre room for easy entertainment that can easily be converted back. There are two modern bathrooms with the primary bathroom that has double vanities and a walk in closet with lots of space. The main living area and marble flooring flows seamlessly from the entryway into the living room, dining area, and kitchen offering a warm and inviting space for entertaining or unwinding. Open patio that is perfect for outdoor gatherings or having your peaceful morning coffee. Schedule your private showing today.

10. 2026-04-01
    price $246,900 667-char remark

    Show marketing remark (667 chars)

    Single-level garden home with a relaxed, open-concept layout perfect for easy living. Featuring two spacious bedrooms and an extra room that was converted to theatre room for easy entertainment that can easily be converted back. There are two modern bathrooms with the primary bathroom that has double vanities and a walk in closet with lots of space. The main living area and marble flooring flows seamlessly from the entryway into the living room, dining area, and kitchen offering a warm and inviting space for entertaining or unwinding. Open patio that is perfect for outdoor gatherings or having your peaceful morning coffee. Schedule your private showing today.

11. 2026-03-16
    status Active 667-char remark

    Show marketing remark (667 chars)

    Single-level garden home with a relaxed, open-concept layout perfect for easy living. Featuring two spacious bedrooms and an extra room that was converted to theatre room for easy entertainment that can easily be converted back. There are two modern bathrooms with the primary bathroom that has double vanities and a walk in closet with lots of space. The main living area and marble flooring flows seamlessly from the entryway into the living room, dining area, and kitchen offering a warm and inviting space for entertaining or unwinding. Open patio that is perfect for outdoor gatherings or having your peaceful morning coffee. Schedule your private showing today.

12. 2026-03-05
    historical Contingent 667-char remark

    Show marketing remark (667 chars)

    Single-level garden home with a relaxed, open-concept layout perfect for easy living. Featuring two spacious bedrooms and an extra room that was converted to theatre room for easy entertainment that can easily be converted back. There are two modern bathrooms with the primary bathroom that has double vanities and a walk in closet with lots of space. The main living area and marble flooring flows seamlessly from the entryway into the living room, dining area, and kitchen offering a warm and inviting space for entertaining or unwinding. Open patio that is perfect for outdoor gatherings or having your peaceful morning coffee. Schedule your private showing today.

13. 2026-02-10
    listed $249,900 Active 667-char remark

    Show marketing remark (667 chars)

    Single-level garden home with a relaxed, open-concept layout perfect for easy living. Featuring two spacious bedrooms and an extra room that was converted to theatre room for easy entertainment that can easily be converted back. There are two modern bathrooms with the primary bathroom that has double vanities and a walk in closet with lots of space. The main living area and marble flooring flows seamlessly from the entryway into the living room, dining area, and kitchen offering a warm and inviting space for entertaining or unwinding. Open patio that is perfect for outdoor gatherings or having your peaceful morning coffee. Schedule your private showing today.

14. 2025-07-14
    price $257,000
15. 2025-04-25
    price $267,000
16. 2025-03-27
    price $269,000
17. 2024-08-15
    price $269,500
18. 2024-05-12
    price $271,500
19. 2023-11-30
    price $272,000
20. 2023-10-18
    price $278,000
21. 2023-02-24
    soldstatus $225,000 Sold
22. 2023-02-15
    soldstatus $225,000
23. 2023-01-10
    historical Contingent
24. 2022-12-01
    listed $239,000 Active
25. 2022-11-29
    historical $239,000
26. 2013-06-21
    soldstatus $100,000
27. 2013-03-12
    listed $115,000
28. 2009-09-23
    soldstatus $146,500
29. 2007-06-12
    soldstatus $145,000

ⓘ 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: $1,241 · $103/mo
• Projected year-2 tax: $1,241 · $103/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 ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 46% 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: $20,972
• − Mortgage interest: −$13,892
• − Property taxes: −$1,241
• − Insurance: −$1,240
• − Repairs & maintenance: −$1,678
• − Management: −$1,678
• − Depreciation: −$7,215
• Taxable loss: −$5,971
• Est. tax savings @ 24.0%: +$1,433
• After-tax cash flow: $-87/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: Shelby County
• NCES district ID: 0103030
• Math proficiency: 30% ▼ -28.00%
• Reading proficiency: 58% ▲ 2.00%
• Median HH income: $66,672
• Composite: 39.29/100
• National rank: #3995
• State rank: #16 of 129 in AL

Livability — Calera

• Score: 59/100
• State rank: #325
• US rank: #19917

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Calera, AL
• County: Shelby County · 188,970 people
• City population: 19,304
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 19,304
• Household income: $84,554
• Rent vs Own: 21.1% rent · 78.9% own
• Severe rent burden: 388.0

Population outlook (Shelby County) Hauer SSP2

• Today (2025): 237,024 people
• By 2030: 249,868 · +5.4%
• By 2040: 272,778 · +15.1%
• By 2050: 291,062 · +22.8%
• By 2075: 326,049 · +37.6%
• By 2100: 335,870 · +41.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 59% Black 30% Hispanic / Latino 9% Two or more races 3%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Slovak 3% Italian 1% Serbian 1%
• Foreign-born: 6% · Canada, China
• Languages at home: 91% English-only · Spanish 6% Arabic 1% Chinese 1%

Political lean MEDSL · Shelby

• 2024 margin: Solid R (+40.9) · D 29.0% · R 69.9% · Other 1.1%
• 2008→2024 swing: +12.6pp toward D · 2008: -53.4pp · 2024: -40.9pp
• All cycles: 2024: R+40.9 2020: R+40.4 2016: R+50.3 2012: R+55.6 2008: R+53.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -43.58%
• Current HPI: 220.2843
• Rent YoY: ▲ 3.67%
• 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

+71.0% since first listed

22 events — show timeline

• 2026-05-13 Price Changed $248,000 Greater Alabama MLS
• 2026-04-13 Price Changed $252,000 Greater Alabama MLS
• 2026-04-01 Price Changed $246,900 Greater Alabama MLS
• 2026-03-16 Relisted — Greater Alabama MLS
• 2026-03-05 Contingent — Greater Alabama MLS
• 2026-02-10 Listed $249,900 Greater Alabama MLS
• 2025-07-14 Price Changed $257,000 Greater Alabama MLS
• 2025-04-25 Price Changed $267,000 Greater Alabama MLS
• 2025-03-27 Price Changed $269,000 Greater Alabama MLS
• 2024-08-15 Price Changed $269,500 Greater Alabama MLS
• 2024-05-12 Price Changed $271,500 Greater Alabama MLS
• 2023-11-30 Price Changed $272,000 Greater Alabama MLS
• 2023-10-18 Price Changed $278,000 Greater Alabama MLS
• 2023-02-24 Sold (MLS) $225,000 Greater Alabama MLS
• 2023-02-15 Sold (Public Records) $225,000 Public Records
• 2023-01-10 Contingent — Greater Alabama MLS
• 2022-12-01 Listed $239,000 Greater Alabama MLS
• 2022-11-29 Coming Soon $239,000 Greater Alabama MLS
• 2013-06-21 Sold (MLS) $100,000 Greater Alabama MLS
• 2013-03-12 Listed $115,000 Greater Alabama MLS
• 2009-09-23 Sold (Public Records) $146,500 Public Records
• 2007-06-12 Sold (Public Records) $145,000 Public Records

Property tax history

+5.5%/yr

Latest (2025): $1,241 · -0.9% YoY. Source: county tax records.