3260 NW Uvalde Ln NW · Huntsville, AL 35810

$179,900

4 bd · 0.5 ba · 1,237 sqft · SingleFamily public records · 27 Days on market

Built 1973 9,147 sqft lot Est $183k · at est.

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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 +18.9/30.0
• ARV discount +8.3/15.0
• DSCR +6.0/10.0
• Livability +4.1/5.0
• 1% rule +4.0/10.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fabulous floor plan comes with this three bedroom tri-level home! Main level offers inviting living room with crown molding, and sunny eat-in kitchen, upstairs are three good size bedrooms and a full bath. Downstairs is a large family room with French doors to the backyard plus a study or 4th bedroom (no closet) and half bath. Great backyard with tree lined fence row for privacy. Call today for more information about all the potential this home has to offer.

Key facts

• 9,147 sq ft lot
• Garage
• Built 1973

Tags

• FULLY FENCED BACKYARD

Property features AI

Finance

• Other: Residential property, not new construction
• HOA & community: No homeowners association; Subdivision: Grove Park

Exterior

• Parking: Attached garage
• Utilities: Public water; Public sewer; Electric service (standard)
• Home design: Single-family residence; Built in 1973; One story; Vinyl siding
• Construction: Slab foundation
• Exterior features: Public water; Public sewer; Lot approximately 0.21 acres with dimensions 65 x 103 x 46 x 144

Interior

• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central cooling
• Interior features: Crawl space basement; 8 total rooms; One level

What this means for you Summary

Snapshot

• This is a 4-bed/0.5-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $186 ($2k/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 $162k (10.1% below list).
• Recommended offer: $162k (10.1% below list) — sets the bar for 1% rule.
• Cap rate 7.5% 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: James Dawson Elementary (math 0% / reading 24%, grade F, #536 of 627 statewide, top 88%, 432 students, 88% FRL); Jemison High School (math 12% / reading 12%, grade F, #242 of 305 statewide, top 80%, 843 students, 64% FRL) — zoned schools average 76% FRL vs 46% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 12% at this address vs 34% district-wide (-21 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 soft (-0.1%/yr); 337 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; 4,709 units permitted in Madison County in 2024 (1,186 in 5+ unit buildings).
• This rent runs 38% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

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.
• 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 27 days — a 2% lower offer ($177k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 11y 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 $44k; list at $180k implies a 314% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $161,704 (10.1% below list)

Questions for the listing agent

1. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 0.90% ✗
• Cap rate: 7.53%
• Cash-on-cash: 4.43%
• DSCR: 1.20
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $183,076
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3234 Uvalde Ln NW	0.13mi	4/1.5	1,175 (-5%)	10mo	$175,000	$149	73
3304 NW Watson Dr	0.35mi	3/1.5 (-1)	1,291 (+4%)	6mo	$190,700	$148	62
3207 NW Delicado Dr	0.15mi	3/1.5 (-1)	1,327 (+7%)	14mo	$159,900	$120	60
3110 Delia Ln NW	0.30mi	3/2.0 (-1)	1,189 (-4%)	10mo	$170,000	$143	60
3314 Clifford Rd NW	0.23mi	3/2.0 (-1)	1,323 (+7%)	10mo	$199,000	$150	58
3207 Delia Ln NW	0.19mi	3/2.0 (-1)	1,080 (-13%)	8mo	$175,000	$162	52
3413 Avondale Dr NW	0.72mi	3/2.0 (-1)	1,220 (-1%)	4mo	$139,000	$114	50
4636 NW Broadmeadow Ln NW	0.74mi	3/1.5 (-1)	1,220 (-1%)	12mo	$186,500	$153	44
3511 Avondale Dr NW	0.74mi	3/1.0 (-1)	1,113 (-10%)	2mo	$150,000	$135	40
3116 Gayhart Dr NW	0.57mi	3/2.0 (-1)	1,370 (+11%)	9mo	$145,000	$106	37
2705 Trail Ridge Rd	0.61mi	3/2.0 (-1)	1,408 (+14%)	8mo	$151,000	$107	31
2622 Dry Creek Dr	0.68mi	3/2.0 (-1)	1,414 (+14%)	11mo	$220,000	$156	24

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -12.5%
• Equity multiple: 0.56×
• Total profit: $-22,125
• Equity at exit: $26,824

10-year hold

• IRR: -8.2%
• Equity multiple: 0.55×
• Total profit: $-22,620
• Equity at exit: $15,554

Cash invested: $50,372 (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 35810

• Home prices YoY: -23.5%
• Rents YoY: -0.1%
• Active inventory: 337
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,617 high
• Mortgage (P&I): −$943
• Tax from tax record: −$73 /mo · $879/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$340
• Net cashflow: $186

Break-even live

Break-even rent $1,382

Max offer price $179,900

Occupancy floor 84%

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: $44,975
• Closing costs: $5,397
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3423 Rosedale Dr NW Huntsville, AL	3.0	1.0	1145	$1,000	$0.87	43d	1	0.57mi
3100 Gayhart Dr NW Huntsville, AL	3.0	1.0	1050	$1,298	$1.24	43d	1	0.63mi
2508 Piney Branch Rd NW Huntsville, AL	3.0	1.5	1205	$1,385	$1.15	43d	1	0.90mi
2505 Piney Branch Rd NW Huntsville, AL	3.0	1.5	1222	$1,300	$1.06	23d	1	0.90mi
3210 Caywood Dr NW Huntsville, AL	3.0	1.0	1005	$1,475	$1.47	13d	1	1.05mi
3304 Caywood Dr NW Huntsville, AL	3.0	1.5	1300	$1,475	$1.13	23d	1	1.05mi
3415 Mimosa Ln NW Huntsville, AL	3.0	2.0	1320	$1,590	$1.20	43d	1	1.07mi
4214 Fortson Ln NW Huntsville, AL	3.0	2.0	1308	$1,395	$1.07	43d	1	1.18mi
3210 Tucker Dr NW Huntsville, AL	3.0	1.0	1005	$1,475	$1.47	13d	1	1.19mi
3803 Mastin Lake Rd NW Huntsville, AL	3.0	1.0	1103	$1,295	$1.17	43d	1	1.26mi
4706 Whitehall Dr NW Huntsville, AL	3.0	2.0	1469	$1,550	$1.06	21d	1	1.27mi
2215 Shady Lane Dr NW Huntsville, AL	4.0	1.0	1450	$1,500	$1.03	43d	1	1.33mi
3203 Dyas Dr NW Huntsville, AL	3.0	2.0	1346	$2,100	$1.56	23d	1	1.34mi
3614 Wilbur Ave NW Huntsville, AL	3.0	1.5	1196	$1,420	$1.19	23d	1	1.36mi
2201 Shady Lane Dr NW Huntsville, AL	3.0	1.5	1472	$3,000	$2.04	43d	1	1.44mi
1725 Millican Pl NW Huntsville, AL	3.0	2.0	1200	$1,295	$1.08	43d	1	1.45mi
4216 Chalet Cir NW Huntsville, AL	3.0	2.0	1296	$1,500	$1.16	23d	1	1.45mi
3721 Broadmor Rd NW Huntsville, AL	3.0	1.5	1423	$1,450	$1.02	43d	1	1.50mi
3505 Mastin Lake Rd NW Huntsville, AL	3.0	2.0	1376	$2,000	$1.45	43d	1	1.50mi

Listing history 17 events

1. 2026-06-18
   days on market $179,900 Active 27 DOM
2. 2026-06-17
   days on market $179,900 Active 26 DOM
3. 2026-06-16
   days on market $179,900 Active 25 DOM
4. 2026-06-15
   days on market $179,900 Active 24 DOM
5. 2026-06-14
   days on market $179,900 Active 22 DOM
6. 2026-06-10
   days on market $179,900 Active 19 DOM
7. 2026-06-09
   days on market $179,900 Active 18 DOM
8. 2026-06-08
   days on market $179,900 Active 17 DOM
9. 2026-06-07
   days on market $179,900 Active 16 DOM
10. 2026-06-03
    days on market $179,900 Active 12 DOM
11. 2026-06-02
    days on market $179,900 Active 11 DOM
12. 2026-06-01
    days on market $179,900 Active 10 DOM
13. 2026-05-31
    days on market $179,900 Active 9 DOM
14. 2026-05-30
    days on market $179,900 Active 8 DOM
15. 2026-05-22
    listed $179,900 Active
16. 2016-02-23
    soldstatus $43,500 466-char remark

    Show marketing remark (466 chars)

    Fabulous floor plan comes with this three bedroom tri-level home! Main level offers inviting living room with crown molding, and sunny eat-in kitchen, upstairs are three good size bedrooms and a full bath. Downstairs is a large family room with French doors to the backyard plus a study or 4th bedroom (no closet) and half bath. Great backyard with tree lined fence row for privacy. Call today for more information about all the potential this home has to offer.

17. 2015-12-30
    listed $45,000 466-char remark

    Show marketing remark (466 chars)

    Fabulous floor plan comes with this three bedroom tri-level home! Main level offers inviting living room with crown molding, and sunny eat-in kitchen, upstairs are three good size bedrooms and a full bath. Downstairs is a large family room with French doors to the backyard plus a study or 4th bedroom (no closet) and half bath. Great backyard with tree lined fence row for privacy. Call today for more information about all the potential this home has to offer.

ⓘ 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: $879 · $73/mo
• Projected year-2 tax: $879 · $73/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 6/10 Major FEMA zone X (shaded) · 70% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 16% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,404
• − Mortgage interest: −$10,077
• − Property taxes: −$879
• − Insurance: −$900
• − Repairs & maintenance: −$1,552
• − Management: −$1,552
• − Depreciation: −$5,233
• Taxable loss: −$790
• Est. tax savings @ 24.0%: +$190
• After-tax cash flow: $2,419/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): 32,843
• Household income: $51,233
• Rent vs Own: 36.6% rent · 63.4% own
• Severe rent burden: 1223.0

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: Predominantly Black (69%)
• Race & ethnicity: Black 69% White 18% Hispanic / Latino 9% Two or more races 5%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2% Dominican 2%
• Common ancestry: Italian 2% Lithuanian 0%
• Foreign-born: 6% · Canada
• Languages at home: 92% English-only · Spanish 7%

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: ▼ -61.00%
• Current HPI: 198.9629
• Rent YoY: ▬ -0.05%
• 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

+299.8% since first listed

3 events — show timeline

• 2026-05-22 Listed $179,900 VMLS
• 2016-02-23 Sold (MLS) $43,500 VMLS
• 2015-12-30 Listed $45,000 VMLS

Property tax history

+6.5%/yr

Latest (2024): $879 · +0.0% YoY. Source: county tax records.