129 Woodland Dr · Talladega, AL 35160

$130,000

3 bd · 1.5 ba · 1,040 sqft · SingleFamily public records · 48 Days on market

Built 1960 0.47 ac lot $125/sqft · 15% above area Est $124k · 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 +16.8/30.0
• ARV discount +5.3/15.0
• DSCR +5.2/10.0
• 1% rule +4.6/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Recently renovated, move-in ready 3-bedroom 1 1/2 bath brick home on double lot. The large back yard has Blueberry Bushes, Muscadines vines, Fig tree, Pecan trees, and Pear trees.

Key facts

• Blueberry bushes
• Pear trees
• Fig tree

Tags

• BLUEBERRY BUSHES
• MUSCADINES VINES
• FIG TREE
• PECAN TREES
• PEAR TREES

Property features AI

Finance

• Other: Property located in GREEN ACRES subdivision; Approximately 0.47 acre parcel

Exterior

• Parking: Attached parking; Driveway parking; Multilevel parking; Off-street parking; One carport space
• Utilities: Public water; Connected sewer; Electric water heater; Internet availability unknown
• Home design: Existing home; Four-sided brick construction; Crawl space foundation
• Construction: Four-sided brick exterior; Crawl space foundation
• Exterior features: Front porch

Interior

• Kitchen: Laminate countertops; Electric cooktop; Built-in dishwasher; Electric oven; Refrigerator included
• Bedrooms: Multiple bedrooms on main level (including master bedroom)
• Flooring: Hardwood floors; Tile flooring; Vinyl flooring
• Bathrooms: One full bathroom; One half bathroom; Master bath on main level; Tub/shower combination
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceilings noted as other (see remarks); No additional interior features listed
• Laundry & utility: Main-level laundry room; Washer hookup provided; Electric dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $18 ($215/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 $124k (4.3% below list).
• Recommended offer: $124k (4.3% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 4.8% in Talladega — 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 59/100 on livability (#327 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A, health & safety A-; Watch: crime F, amenities F, commute F.
• Talladega City (rural): math 7% / reading 25% proficiency, ranked #114 of 129 in AL (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Talladega High School (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 446 students, 84% FRL).
• Zoned-school proficiency averages 2% at this address vs 16% district-wide (-14 pts) — the specific schools serving this property underperform the Talladega City average; the district grade overstates school quality for this exact location.
• Market conditions: 170 active listings in the ZIP; 189 units permitted in Talladega County in 2024 (6 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Talladega County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $60k; list at $130k implies a 117% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; major wind risk, 27% chance of damaging wind over 30y; moderate wildfire 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 $124,402 (4.3% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-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. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.96% ✗
• Cap rate: 7.07%
• Cash-on-cash: 2.78%
• DSCR: 1.12
• GRM: 8.7

CMA / ARV

• ARV (median comp): $123,946
• List price: $130,000
• Delta: 4.88%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
100 Shields Dr	0.33mi	3/1.5	984 (-5%)	2mo	$139,000	$141	74
918 Nimitz Ave	0.20mi	3/1.0	1,031 (-1%)	17mo	$124,900	$121	73
107 Shields Dr	0.30mi	3/1.5	1,080 (+4%)	8mo	$160,000	$148	73
121 Brecon Access Rd	0.34mi	3/1.5	1,050 (+1%)	12mo	$118,000	$112	72
119 Franklin Dr S	0.15mi	3/1.0	1,010 (-3%)	20mo	$118,000	$117	70
711 Coleman Dr	0.15mi	3/1.0	900 (-14%)	5mo	$21,000	$23	64
810 Nimitz Ave	0.20mi	3/1.0	984 (-5%)	21mo	$90,000	$91	62
607 Broadway Ave	0.65mi	2/1.0 (-1)	1,070 (+3%)	23mo	$65,500	$61	39
1215 Nimitz Ave	0.60mi	3/1.0	1,196 (+15%)	20mo	$129,900	$109	28

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

5-year hold

• IRR: -15.3%
• Equity multiple: 0.45×
• Total profit: $-19,865
• Equity at exit: $19,383

10-year hold

• IRR: -6.7%
• Equity multiple: 0.57×
• Total profit: $-15,586
• Equity at exit: $11,240

Cash invested: $36,400 (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 35160

• Home prices YoY: -26.9%
• Active inventory: 170
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,244 medium
• Mortgage (P&I): −$682
• Tax est. 1.5%: −$162 /mo · $1,950/yr
• Insurance: −$54
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$261
• Net cashflow: $18

Break-even live

Break-even rent $1,221

Max offer price $130,000

Occupancy floor 94%

Sensitivity live

Price	-10% $108	-5% $63	+0% $18	+5% $-27	+10% $-72
Rent	-10% $-80	-5% $-31	+0% $18	+5% $67	+10% $116
Rate	-1.0pp $83	-0.5pp $51	base $18	+0.5pp $-16	+1.0pp $-50

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-19
   days on market $130,000 Active 48 DOM
2. 2026-06-18
   days on market $130,000 Active 47 DOM
3. 2026-06-17
   days on market $130,000 Active 46 DOM
4. 2026-06-16
   days on market $130,000 Active 45 DOM
5. 2026-06-15
   days on market $130,000 Active 44 DOM
6. 2026-06-14
   days on market $130,000 Active 42 DOM
7. 2026-06-12
   days on market $130,000 Active 41 DOM
8. 2026-06-09
   days on market $130,000 Active 38 DOM
9. 2026-06-08
   days on market $130,000 Active 37 DOM
10. 2026-06-07
    days on market $130,000 Active 36 DOM
11. 2026-06-04
    days on market $130,000 Active 32 DOM
12. 2026-06-02
    days on market $130,000 Active 31 DOM
13. 2026-06-01
    days on market $130,000 Active 30 DOM
14. 2026-05-31
    days on market $130,000 Active 29 DOM
15. 2026-05-31
    days on market $130,000 Active 28 DOM
16. 2026-05-02
    listed $130,000 Active 179-char remark
17. 2026-03-26
    soldstatus $60,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,928
• − Mortgage interest: −$7,282
• − Property taxes: −$1,950
• − Insurance: −$1,448
• − Repairs & maintenance: −$1,194
• − Management: −$1,194
• − Depreciation: −$3,782
• Taxable loss: −$1,922
• Est. tax savings @ 24.0%: +$461
• After-tax cash flow: $676/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: Talladega City
• NCES district ID: 0103150
• Math proficiency: 7% ▼ -19.00%
• Reading proficiency: 25% ▼ -4.00%
• Median HH income: $30,107
• Composite: 12.63/100
• National rank: #9610
• State rank: #114 of 129 in AL

Livability — Talladega

• Score: 59/100
• State rank: #327
• US rank: #19965

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Talladega, AL
• Population (ZIP): 26,177

Population outlook (Talladega County) Hauer SSP2

• Today (2025): 78,905 people
• By 2030: 77,160 · -2.2%
• By 2040: 72,937 · -7.6%
• By 2050: 68,279 · -13.5%
• By 2075: 57,884 · -26.6%
• By 2100: 47,220 · -40.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 49% Black 43% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Slovak 2% Italian 1% Iranian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Talladega

• 2024 margin: Solid R (+33.8) · D 32.9% · R 66.6%
• 2008→2024 swing: -15.3pp toward R · 2008: -18.5pp · 2024: -33.8pp
• All cycles: 2024: R+33.8 2020: R+25.5 2016: R+25.6 2012: R+16.0 2008: R+18.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -70.24%
• Current HPI: 190.5904
• 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

+116.7% since first listed

2 events — show timeline

• 2026-05-02 Listed $130,000 Greater Alabama MLS
• 2026-03-26 Sold (Public Records) $60,000 Public Records

Property tax history

+0.0%/yr

Latest (2025): $166 · +0.0% YoY. Source: county tax records.