1216 Oakdale Cir · Weaver, AL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 6/10 · Moderate
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 5/10 · Moderate
- Chance of severe wind over 30 yrs
- 25.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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 +25.3/30.0
- ARV discount +14.1/15.0
- DSCR +8.3/10.0
- 1% rule +5.9/10.0
- Livability +3.2/5.0
- Schools +2.9/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$159,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
One level great investment opportunity or first time buyers. Convenient to JSU 3 bedroom 1 bath, 2 living spaces, Laundry on mail level, hardwood floors, metal roof. A little TLC and you can call this home Sold "As Is"
Key facts
- Large bedrooms
- Spacious yard
- Near schools
Tags
Property features AI
Finance
- Other: Lot size approximately 0.36 acres; Located in the Weaver subdivision
Exterior
- Parking: Driveway parking
- Utilities: Public water; Septic system; Electric water heater; Internet service available
- Home design: Existing construction; Shingle construction; Basement foundation; Not waterfront; Not a log home
- Construction: Shingle exterior; Basement foundation; Daylight basement; Partial unfinished basement; Year built: existing (no new construction)
- Exterior features: Porch
Interior
- Kitchen: Laminate countertops; Electric oven; Refrigerator
- Bedrooms: Three bedrooms on main level
- Flooring: Vinyl
- Bathrooms: One full bathroom with separate shower
- Heating & cooling: Central heating; Central cooling
- Interior features: Vinyl floors; Ceilings: Other (see remarks); Partial unfinished daylight basement
- Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup; Electric water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $160k.
Deal economics
- At list price, monthly cash flow is $362 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $160k).
- Recommended offer: $158k (1.5% below list) — sets the bar for market timing.
- Cap rate 9.0% vs local median 6.6% in Weaver — 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 63/100 on livability (#195 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, amenities F, commute F.
- Calhoun County (rural): math 19% / reading 49% proficiency, ranked #46 of 129 in AL (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Weaver Elementary School (math 15% / reading 52%, grade F, #318 of 627 statewide, top 51%, 553 students, 73% FRL); Weaver High School (math 11% / reading 40%, grade F, #111 of 305 statewide, top 37%, 517 students, 67% FRL) — zoned schools average 70% FRL vs 49% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: 30 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 135 units permitted in Calhoun 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.
- Calhoun County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
Negotiation context
- It's been on market 16 days — a 2% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 7y 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 $31k; list at $160k implies a 416% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: moderate wind risk, 25% 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.
Questions for the listing agent
- Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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
- 1.09% ✓
- Cap rate
- 9.01%
- Cash-on-cash
- 9.71%
- DSCR
- 1.43
- GRM
- 7.6
CMA / ARV
- ARV (on-the-fly)
- $187,456
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1102 Bonnie Dr | 0.15mi | 3/2.0 | 1,724 (-7%) | 2mo | $174,900 | $101 | 76 |
| 1509 Maple Dr | 0.37mi | 3/2.0 | 1,824 (-2%) | 2mo | $175,000 | $96 | 74 |
| 418 Hilltop Rd | 0.37mi | 3/2.0 | 1,975 (+6%) | 1mo | $199,900 | $101 | 67 |
| 1520 Maple Dr | 0.45mi | 3/2.0 | 1,904 (+3%) | 11mo | $229,000 | $120 | 61 |
| 805 Jacksonville St | 0.45mi | 4/2.0 (+1) | 1,793 (-3%) | 9mo | $185,000 | $103 | 57 |
| 508 George St | 0.59mi | 3/2.0 | 1,946 (+5%) | 15mo | $164,900 | $85 | 48 |
| 104 Main St | 0.68mi | 4/2.0 (+1) | 1,661 (-10%) | 0mo | $110,000 | $66 | 42 |
| 809 Jacksonville St | 0.41mi | 3/2.5 | 2,111 (+14%) | 14mo | $215,000 | $102 | 40 |
| 1423 Peaceburg Rd | 0.73mi | 4/1.0 (+1) | 1,650 (-11%) | 4mo | $130,000 | $79 | 40 |
| 601 Parker Blvd | 0.53mi | 4/3.0 (+1) | 1,689 (-9%) | 11mo | $195,000 | $115 | 38 |
| 1510 Peaceburg Rd | 0.75mi | 4/3.0 (+1) | 2,049 (+10%) | 3mo | $215,900 | $105 | 32 |
| 505 Shamrock Ave | 0.63mi | 4/2.0 (+1) | 2,080 (+12%) | 14mo | $135,000 | $65 | 30 |
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
- IRR
- -1.7%
- Equity multiple
- 0.94×
- Total profit
- $-2,862
- Equity at exit
- $23,842
- IRR
- 8.0%
- Equity multiple
- 1.61×
- Total profit
- $27,116
- Equity at exit
- $13,825
Cash invested: $44,772 (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
ZIP-level market 36277
- Home prices YoY
- -17.7%
- Active inventory
- 30
- Price-to-rent
- 7.6×
Monthly cashflow live
- Estimated rent
- $1,750 medium interval (Pro) →
- Mortgage (P&I)
- −$839
- Tax from tax record
- −$115 /mo · $1,381/yr
- Insurance
- −$67
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$368
- Net cashflow
- $362
Break-even live
Sensitivity live
| Price | -10% $453 | -5% $408 | +0% $362 | +5% $317 | +10% $272 |
|---|---|---|---|---|---|
| Rent | -10% $224 | -5% $293 | +0% $362 | +5% $431 | +10% $501 |
| Rate | -1.0pp $443 | -0.5pp $403 | base $362 | +0.5pp $321 | +1.0pp $279 |
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
- $39,975
- Closing costs
- $4,797
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 1 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 567 Andrew Dr Weaver, AL | 3.0 | 2.0 | 1801 | $1,750 | $0.97 | 45d | 1 | 1.32mi |
Listing history 13 events
-
2026-06-21days on market $159,900 Active 16 DOM
-
2026-06-19days on market $159,900 Active 14 DOM
-
2026-06-18days on market $159,900 Active 13 DOM
-
2026-06-17days on market $159,900 Active 12 DOM
-
2026-06-16days on market $159,900 Active 11 DOM
-
2026-06-15days on market $159,900 Active 10 DOM
-
2026-06-14days on market $159,900 Active 8 DOM
-
2026-06-13days on market $159,900 Active 7 DOM
-
2026-06-10days on market $159,900 Active 5 DOM
-
2026-06-09days on market $159,900 Active 4 DOM
-
2026-06-08days on market $159,900 Active 3 DOM
-
2026-06-07remarks 443-char remark
-
2026-06-07$159,900 Active 2 DOM
ⓘ 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
- $1,381 · $115/mo
- Projected year-2 tax
- $1,381 · $115/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 5/10 Major 25% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $21,000
- − Mortgage interest
- −$8,957
- − Property taxes
- −$1,381
- − Insurance
- −$800
- − Repairs & maintenance
- −$1,680
- − Management
- −$1,680
- − Depreciation
- −$4,652
- Taxable income
- $1,851
- Est. tax owed @ 24.0%
- −$444
- After-tax cash flow
- $3,903/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
- Calhoun County
- NCES district ID
- 0100540
- Math proficiency
- 19% ▼ -26.00%
- Reading proficiency
- 49% ▬ 0.00%
- Median HH income
- $44,891
- Composite
- 28.91/100
- National rank
- #6635
- State rank
- #46 of 129 in AL
Livability — Weaver
- Score
- 63/100
- State rank
- #195
- US rank
- #15696
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Weaver, AL
- City population
- 5,153
- Population (ZIP)
- 5,153
Population outlook (Calhoun County) Hauer SSP2
- Today (2025)
- 109,765 people
- By 2030
- 105,708 · -3.7%
- By 2040
- 96,192 · -12.4%
- By 2050
- 86,413 · -21.3%
- By 2075
- 63,467 · -42.2%
- By 2100
- 44,704 · -59.3%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (76%)
- Race & ethnicity
- White 76% Black 16% Hispanic / Latino 5% Two or more races 3%
- Hispanic origin (detail)
- Mexican 4%
- Common ancestry
- Italian 3% Portuguese 2% Slovak 2%
- Foreign-born
- 2% · Canada, South Korea
- Languages at home
- 97% English-only · Spanish 2%
Political lean MEDSL · Calhoun
- 2024 margin
- Solid R (+44.8) · D 27.2% · R 71.9%
- 2008→2024 swing
- -12.2pp toward R · 2008: -32.5pp · 2024: -44.8pp
- All cycles
- 2024: R+44.8 2020: R+39.0 2016: R+41.4 2012: R+31.9 2008: R+32.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -41.96%
- Current HPI
- 195.0725
- 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
+255.3% since first listed8 events — show timeline
- 2026-06-05 Listed $159,900 Greater Alabama MLS
- 2024-10-13 Rental Removed $925 APPFOLIO
- 2024-10-04 Listed for Rent $925 APPFOLIO
- 2019-09-13 Sold (Public Records) $31,000 Public Records
- 2019-09-13 Sold (MLS) $31,000 Greater Alabama MLS
- 2019-09-05 Pending — Greater Alabama MLS
- 2019-06-26 Delisted — Greater Alabama MLS
- 2019-01-28 Listed $45,000 Greater Alabama MLS
Property tax history
+8.4%/yrLatest (2025): $1,381 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…