348 Arthur St · Montgomery, 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 1/10 · Minimal
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 7/10 · Major
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 80.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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 +12.7/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Rent growth +3.8/5.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- Schools +1.7/10.0
- Appreciation +0.0/10.0
$49,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
Key facts
- 4,791 sq ft lot
- Parking
- Built 1930
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $50k.
Deal economics
- At list price, monthly cash flow is $580 ($7k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $50k).
- Recommended offer: $44k (12.0% below list) — sets the bar for market timing.
- Cap rate 20.2% vs local median 6.0% in Montgomery — 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 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D, crime F.
- Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents rising fast (+5.0%/yr); 67 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).
- This rent runs 41% of the median local income ($32k/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 $345 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
- Montgomery County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (-3.0% appreciation + 5.0% rent growth), your $14k cash investment doubles in ~3 years — after that, you're playing with house money.
Negotiation context
- It's been on market 495 days — a 12% lower offer ($44k) is reasonable based on typical stale-listing flexibility.
- 12 sale attempts since 26y ago; this cycle's ask has dropped $10k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $35k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 495 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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
- 2.25% ✓
- Cap rate
- 20.24%
- Cash-on-cash
- 49.80%
- DSCR
- 3.22
- GRM
- 3.7
CMA / ARV
- ARV (median comp)
- $56,429
- List price
- $49,900
- Delta
- -11.57%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2414 Chapman St | 0.30mi | 2/1.0 (-1) | 1,026 (-10%) | 4mo | $39,000 | $38 | 61 |
| 2809 Spann Pl | 0.50mi | 2/1.0 (-1) | 1,165 (+2%) | 8mo | $58,498 | $50 | 61 |
| 1619 Yancey Ave | 0.65mi | 3/1.0 | 1,143 (+0%) | 12mo | $87,000 | $76 | 59 |
| 2301 Cherry St | 0.39mi | 3/1.0 | 1,248 (+10%) | 9mo | $52,000 | $42 | 58 |
| 2318 Winona Ave | 0.70mi | 2/1.0 (-1) | 1,118 (-2%) | 2mo | $89,000 | $80 | 58 |
| 2405 Palmetto St | 0.30mi | 3/2.0 | 1,008 (-11%) | 13mo | $73,500 | $73 | 52 |
| 3010 Althea St | 0.75mi | 3/1.5 | 1,186 (+4%) | 7mo | $40,000 | $34 | 50 |
| 2206 Yancey Ave | 0.68mi | 3/2.0 | 1,123 (-1%) | 16mo | $85,000 | $76 | 49 |
| 2050 Yancey Ave | 0.62mi | 3/2.0 | 1,040 (-8%) | 8mo | $95,000 | $91 | 47 |
| 122 N Lewis St | 0.57mi | 2/1.0 (-1) | 1,246 (+10%) | 14mo | $84,000 | $67 | 41 |
| 405 E Shawnee Dr | 0.71mi | 3/1.0 | 999 (-12%) | 16mo | $40,000 | $40 | 33 |
| 2119 Mckinley Ave | 0.73mi | 2/1.0 (-1) | 987 (-13%) | 8mo | $34,000 | $34 | 32 |
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 · 5.05% rent growth · sell at horizon
- IRR
- 49.7%
- Equity multiple
- 3.23×
- Total profit
- $31,199
- Equity at exit
- $7,440
- IRR
- 56.0%
- Equity multiple
- 7.07×
- Total profit
- $84,789
- Equity at exit
- $4,314
Cash invested: $13,972 (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 36107
- Home prices YoY
- -10.9%
- Rents YoY
- 5.0%
- Active inventory
- 67
- Price-to-rent
- 3.7×
Monthly cashflow live
- Estimated rent
- $1,121 high interval (Pro) →
- Mortgage (P&I)
- −$262
- Tax from tax record
- −$23 /mo · $275/yr
- Insurance
- −$21
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$235
- Net cashflow
- $580
Break-even live
Sensitivity live
| Price | -10% $608 | -5% $594 | +0% $580 | +5% $566 | +10% $552 |
|---|---|---|---|---|---|
| Rent | -10% $491 | -5% $536 | +0% $580 | +5% $624 | +10% $668 |
| Rate | -1.0pp $605 | -0.5pp $593 | base $580 | +0.5pp $567 | +1.0pp $554 |
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
- $12,475
- Closing costs
- $1,497
- 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 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2009 Palmetto St Montgomery, AL | 3.0 | 1.0 | 1487 | $1,050 | $0.71 | 44d | 1 | 0.10mi |
| 1827 Capitol Ave Montgomery, AL | 2.0 | 1.0 | 1068 | $1,600 | $1.50 | 14d | 1 | 0.30mi |
| 1827 Capitol Ave Montgomery, AL | 2.0 | 1.0 | 1068 | $1,600 | $1.50 | 44d | 1 | 0.30mi |
| 2113 Brewton St Montgomery, AL | 3.0 | 1.0 | 1363 | $1,150 | $0.84 | 44d | 1 | 0.35mi |
| 2000 Cherry St Montgomery, AL | 2.0 | 1.0 | 1106 | $950 | $0.86 | 44d | 1 | 0.36mi |
| 39 S Lewis St Montgomery, AL | 2.0 | 1.0 | 1209 | $950 | $0.79 | 44d | 1 | 0.37mi |
| 1415 Madison Ave Apt E Montgomery, AL | 2.0 | 1.0 | 825 | $1,095 | $1.33 | 14d | 1 | 0.57mi |
| 2229 Madison Ave Montgomery, AL | 2.0 | 1.0 | 1100 | $625 | $0.57 | 44d | 1 | 0.57mi |
| 2009 Yancey Ave Montgomery, AL | 3.0 | 1.0 | 1140 | $1,080 | $0.95 | 22d | 1 | 0.65mi |
| 2243 Winona Ave Montgomery, AL | 3.0 | 1.0 | 1492 | $1,225 | $0.82 | 22d | 1 | 0.71mi |
| 424 N California St Apt D Montgomery, AL | 2.0 | 1.0 | 850 | $778 | $0.92 | 22d | 1 | 0.73mi |
| 1008 Pelham St Montgomery, AL | 4.0 | 2.0 | 1288 | $1,300 | $1.01 | 44d | 1 | 0.74mi |
| 2310 Yancey Ave Montgomery, AL | 3.0 | 1.0 | 1212 | $1,250 | $1.03 | 44d | 1 | 0.77mi |
| 2023 Windsor Ave Montgomery, AL | 2.0 | 1.0 | 889 | $895 | $1.01 | 44d | 1 | 0.78mi |
| 2122 Windsor Ave Montgomery, AL | 2.0 | 1.0 | 1052 | $725 | $0.69 | 44d | 1 | 0.79mi |
| 517 N Florida St Unit B Montgomery, AL | 2.0 | 1.0 | 900 | $750 | $0.83 | 44d | 1 | 0.79mi |
| 319 Olivia Ct Montgomery, AL | 2.0 | 1.0 | 850 | $700 | $0.82 | 22d | 1 | 0.81mi |
| 508 Glenmore Rd Montgomery, AL | 2.0 | 1.0 | 1135 | $1,000 | $0.88 | 44d | 1 | 0.81mi |
| 2020 E 3rd St Montgomery, AL | 2.0 | 1.0 | 1186 | $750 | $0.63 | 22d | 1 | 0.84mi |
| 311 Bradley Dr Montgomery, AL | 3.0 | 1.0 | 1104 | $825 | $0.75 | 44d | 1 | 0.87mi |
| 301 Bradley Dr Montgomery, AL | 2.0 | 1.0 | 841 | $935 | $1.11 | 14d | 1 | 0.87mi |
| 2454 Spruce Curv Montgomery, AL | 3.0 | 1.0 | 988 | $1,100 | $1.11 | 44d | 1 | 0.91mi |
| 122 Oak Forest Dr Montgomery, AL | 3.0 | 1.0 | 1092 | $975 | $0.89 | 22d | 1 | 0.91mi |
| 15 Bradley Dr Montgomery, AL | 3.0 | 2.0 | 1365 | $1,500 | $1.10 | 22d | 1 | 0.91mi |
| 2205 E 5th St Montgomery, AL | 3.0 | 1.0 | 1020 | $800 | $0.78 | 44d | 1 | 0.96mi |
| 7 Calhoun Rd Unit B Montgomery, AL | 2.0 | 1.0 | 961 | $850 | $0.88 | 44d | 1 | 1.06mi |
| 1347 Felder Ave Montgomery, AL | 2.0 | 1.0 | 1000 | $1,095 | $1.09 | 14d | 1 | 1.15mi |
| 1343 Felder Ave Montgomery, AL | 2.0 | 1.0 | 1000 | $1,095 | $1.09 | 14d | 1 | 1.15mi |
| 3136 Harrison Rd Montgomery, AL | 3.0 | 1.5 | 1355 | $1,025 | $0.76 | 44d | 1 | 1.15mi |
| 108 Calhoun Rd Unit 108B Montgomery, AL | 2.0 | 1.0 | 1350 | $750 | $0.56 | 44d | 1 | 1.21mi |
| 3233 Hillcrest Ln Montgomery, AL | 3.0 | 2.0 | 1278 | $1,395 | $1.09 | 22d | 1 | 1.33mi |
| 3319 Willow Lane Dr Montgomery, AL | 3.0 | 2.0 | 1032 | $1,200 | $1.16 | 44d | 1 | 1.35mi |
| 3329 Vermont Dr Montgomery, AL | 3.0 | 1.5 | 1465 | $1,395 | $0.95 | 14d | 1 | 1.38mi |
| 2006 Harmon St Unit 3 Montgomery, AL | 3.0 | 1.0 | 800 | $500 | $0.62 | 44d | 1 | 1.38mi |
| 3334 Cottonwood Dr Montgomery, AL | 3.0 | 2.0 | 1025 | $1,295 | $1.26 | 14d | 1 | 1.42mi |
| 1814 Pinecrest Dr Montgomery, AL | 3.0 | 1.0 | 1053 | $990 | $0.94 | 44d | 1 | 1.43mi |
| 2736 Chevy Chase Dr Montgomery, AL | 3.0 | 1.0 | 1100 | $1,300 | $1.18 | 44d | 1 | 1.46mi |
| 2503 Skyline Ave Montgomery, AL | 3.0 | 1.0 | 1015 | $1,150 | $1.13 | 44d | 1 | 1.47mi |
| 3323 Bedford Ln Montgomery, AL | 3.0 | 2.0 | 1134 | $1,200 | $1.06 | 22d | 1 | 1.47mi |
| 2845 Zelda Rd Montgomery, AL | 2.0 | 2.0 | 1013 | $1,042 | $1.03 | 14d | 3 | 1.49mi |
Listing history 37 events
-
2026-06-18days on market $49,900 Active 495 DOM
-
2026-06-17days on market $49,900 Active 494 DOM
-
2026-06-16days on market $49,900 Active 493 DOM
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2026-06-15days on market $49,900 Active 492 DOM
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2026-06-14days on market $49,900 Active 490 DOM
-
2026-06-13days on market $49,900 Active 489 DOM
-
2026-06-10days on market $49,900 Active 487 DOM
-
2026-06-09days on market $49,900 Active 486 DOM
-
2026-06-08days on market $49,900 Active 485 DOM
-
2026-06-07days on market $49,900 Active 484 DOM
-
2026-06-03days on market $49,900 Active 480 DOM
-
2026-06-02days on market $49,900 Active 479 DOM
-
2026-06-01days on market $49,900 Active 478 DOM
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2026-05-31days on market $49,900 Active 477 DOM
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2026-05-30days on market $49,900 Active 476 DOM
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2026-05-05price $49,900 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2026-02-02status Active 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2026-01-28status Active 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2026-01-09historical Contingent 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2025-10-27price $54,900 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2025-09-11status Active 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2025-08-18historical Contingent 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2025-07-22status Active 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2025-07-03historical Contingent 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
-
2025-03-19status Active 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
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2025-03-11status Pending 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
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2025-01-29$59,900 Active 421-char remark
Show marketing remark (421 chars)
This delightful three-bedroom, one-bath home in Montgomery is the perfect blend of comfort and convenience. Featuring a welcoming front porch, bright and airy living spaces, and a cozy atmosphere. In the backyard you will find beautiful mature trees. This adorable home is ready to welcome its next owner! Seller Financing Available! Own this home with just $10K down and $578/month at 10% interest. 20-year amortization.
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2021-06-15soldstatus $35,000 230-char remark
Show marketing remark (230 chars)
Home has living room, dining room, 3 bedrooms, kitchen & 1 bathroom with a front porch. Property is "Sold As Is Where‌‌‌‌‌‌‌‌‌‌‌‌ Is".
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2021-05-05$39,900 230-char remark
Show marketing remark (230 chars)
Home has living room, dining room, 3 bedrooms, kitchen & 1 bathroom with a front porch. Property is "Sold As Is Where‌‌‌‌‌‌‌‌‌‌‌‌ Is".
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2016-10-26soldstatus $4,500
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2016-02-24$7,900
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2015-08-20$14,500
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2004-11-30soldstatus $38,800
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2004-09-24$39,500
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2001-08-31soldstatus $34,000
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2001-02-08$30,000
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2000-03-16$42,500
ⓘ 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
- $275 · $23/mo
- Projected year-2 tax
- $275 · $23/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 1/10 Low
- Heat 7/10 Severe 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
- Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 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
- $13,448
- − Mortgage interest
- −$2,795
- − Property taxes
- −$275
- − Insurance
- −$250
- − Repairs & maintenance
- −$1,076
- − Management
- −$1,076
- − Depreciation
- −$1,452
- Taxable income
- $6,524
- Est. tax owed @ 24.0%
- −$1,566
- After-tax cash flow
- $5,393/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
- Montgomery County
- NCES district ID
- 0102430
- Math proficiency
- 9% ▼ -21.00%
- Reading proficiency
- 31% ▼ -1.00%
- Median HH income
- $43,902
- Composite
- 17.24/100
- National rank
- #9093
- State rank
- #106 of 129 in AL
Livability — Montgomery
- Score
- 65/100
- State rank
- #138
- US rank
- #13416
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Montgomery, AL
- County
- Montgomery County · 190,016 people
- City population
- 175,913
- Metro
- Montgomery, AL
- Population (ZIP)
- 8,001
- Household income
- $32,492
- Rent vs Own
- Severe rent burden
- 642.0
Population outlook (Montgomery County) Hauer SSP2
- Today (2025)
- 224,008 people
- By 2030
- 221,460 · -1.1%
- By 2040
- 214,179 · -4.4%
- By 2050
- 204,912 · -8.5%
- By 2075
- 177,821 · -20.6%
- By 2100
- 145,134 · -35.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.69)
- Race & ethnicity
- Black 43% White 27% Hispanic / Latino 23% Two or more races 20%
- Hispanic origin (detail)
- Mexican 8% Cuban 3%
- Common ancestry
- Slovak 1% Iranian 1% Serbian 1%
- Foreign-born
- 11% · Canada
- Languages at home
- 83% English-only · Spanish 13%
Political lean MEDSL · Montgomery
- 2024 margin
- Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
- 2008→2024 swing
- +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
- All cycles
- 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -18.16%
- Current HPI
- 147.8065
- Rent YoY
- ▲ 5.05%
- Metro
- Montgomery, 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 |
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| Healthcare | 1 | $5B |
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Price history
+17.4% since first listed22 events — show timeline
- 2026-05-05 Price Changed $49,900 MAAR
- 2026-02-02 Relisted — MAAR
- 2026-01-28 Relisted — MAAR
- 2026-01-09 Contingent — MAAR
- 2025-10-27 Price Changed $54,900 MAAR
- 2025-09-11 Relisted — MAAR
- 2025-08-18 Contingent — MAAR
- 2025-07-22 Relisted — MAAR
- 2025-07-03 Contingent — MAAR
- 2025-03-19 Relisted — MAAR
- 2025-03-11 Pending — MAAR
- 2025-01-29 Listed $59,900 MAAR
- 2021-06-15 Sold (MLS) $35,000 MAAR
- 2021-05-05 Listed $39,900 MAAR
- 2016-10-26 Sold (MLS) $4,500 MAAR
- 2016-02-24 Listed $7,900 MAAR
- 2015-08-20 Listed $14,500 MAAR
- 2004-11-30 Sold (MLS) $38,800 MAAR
- 2004-09-24 Listed $39,500 MAAR
- 2001-08-31 Sold (MLS) $34,000 MAAR
- 2001-02-08 Listed $30,000 MAAR
- 2000-03-16 Listed $42,500 MAAR
Property tax history
+4.3%/yrLatest (2025): $275 · +4.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…