3335 Bedford Ln · Montgomery, AL 36109

$89,900

3 bd · 1.0 ba · 1,134 sqft · SingleFamily public records · 77 Days on market

Built 1960 7,405 sqft lot $79/sqft · 15% below area Est $106k · 15% under

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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 +14.2/15.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• Rent growth +3.2/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this charming 3-bedroom, 1-bathroom ranch-style home located in the established Morningview subdivision! Perfectly situated on a spacious lot, this move-in-ready residence features 1,134 square feet of comfortable living space. The functional floor plan includes a bright living room and a classic kitchen, perfect for everyday living. Enjoy the convenience of an attached carport and a large, fully fenced backyard—ideal for outdoor gatherings or pets. Located just minutes from local schools, shopping, and dining, this home offers the perfect blend of suburban tranquility and city accessibility. Whether you are a first-time homebuyer or looking for a solid investment property, 3335 Bedford Ln is a must-see! Schedule your private showing today.

Key facts

• Attached carport
• Ranch-style home
• Spacious lot

Tags

• RANCH-STYLE HOME
• SPACIOUS LOT
• ATTACHED CARPORT
• FULLY FENCED BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $465 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $85k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.5% 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 (+2.6%/yr); 209 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); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k 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 + 2.6% rent growth), your $25k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($85k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 23y 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 $55k; list at $90k implies a 63% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $84,506 (6.0% below list)

Questions for the listing agent

1. It's been on market 77 days. Have you received any prior offers? Is the seller open to a 6% 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. 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. 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?
6. 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.
7. 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.
8. 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: 1.45% ✓
• Cap rate: 12.49%
• Cash-on-cash: 22.15%
• DSCR: 1.99
• GRM: 5.7

CMA / ARV

• ARV (median comp): $105,665
• List price: $89,900
• Delta: -14.92%
• 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
3346 Bedford Ln	0.04mi	3/1.0	1,134 (0%)	6mo	$86,500	$76	93
3318 Bedford Ln	0.05mi	3/2.0	1,134 (0%)	2mo	$72,999	$64	92
3316 Loch Haven Rd	0.11mi	3/1.0	1,080 (-5%)	1mo	$110,000	$102	87
1100 Lombard Dr	0.17mi	3/1.0	1,100 (-3%)	7mo	$100,000	$91	81
1138 Noremac Dr	0.18mi	3/1.5	1,122 (-1%)	8mo	$96,500	$86	81
3205 Asbury Ln	0.30mi	3/1.5	1,092 (-4%)	6mo	$63,500	$58	73
963 Green Ridge Rd	0.22mi	3/1.0	1,032 (-9%)	5mo	$104,000	$101	71
968 Karen Rd	0.24mi	3/2.0	1,221 (+8%)	4mo	$92,000	$75	69
3201 Asbury Ln	0.31mi	4/2.0 (+1)	1,092 (-4%)	9mo	$116,000	$106	63
3506 Farwood Dr	0.54mi	3/1.0	1,053 (-7%)	3mo	$81,000	$77	60
3618 Nottingham Rd	0.54mi	3/1.0	1,035 (-9%)	6mo	$97,000	$94	55
2933 Willow Lane Dr	0.59mi	3/2.0	1,234 (+9%)	6mo	$121,000	$98	48

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 · 2.65% rent growth · sell at horizon

5-year hold

• IRR: 14.5%
• Equity multiple: 1.58×
• Total profit: $14,551
• Equity at exit: $13,404

10-year hold

• IRR: 23.0%
• Equity multiple: 2.94×
• Total profit: $48,850
• Equity at exit: $7,773

Cash invested: $25,172 (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 36109

• Home prices YoY: -20.1%
• Rents YoY: 2.6%
• Active inventory: 209
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,305 high
• Mortgage (P&I): −$471
• Tax from tax record: −$58 /mo · $693/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$274
• Net cashflow: $465

Break-even live

Break-even rent $717

Max offer price $89,900

Occupancy floor 59%

Sensitivity live

Price	-10% $515	-5% $490	+0% $465	+5% $439	+10% $414
Rent	-10% $361	-5% $413	+0% $465	+5% $516	+10% $568
Rate	-1.0pp $510	-0.5pp $487	base $465	+0.5pp $441	+1.0pp $418

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3323 Bedford Ln Montgomery, AL	3.0	2.0	1134	$1,200	$1.06	22d	1	0.02mi
3346 Bedford Ln Montgomery, AL	3.0	1.0	1134	$1,295	$1.14	14d	1	0.05mi
3318 Habersham Rd Montgomery, AL	3.0	2.0	1134	$1,250	$1.10	14d	1	0.18mi
1117 Karen Rd Montgomery, AL	3.0	1.0	1308	$1,195	$0.91	44d	1	0.29mi
3456 Harrison Rd Montgomery, AL	3.0	1.0	1008	$1,300	$1.29	44d	1	0.31mi
3136 Harrison Rd Montgomery, AL	3.0	1.5	1355	$1,025	$0.76	44d	1	0.35mi
1154 Lakewood Dr Montgomery, AL	3.0	2.0	1066	$1,350	$1.27	44d	1	0.35mi
1229 Karen Rd Montgomery, AL	4.0	2.0	1344	$1,590	$1.18	44d	1	0.44mi
2845 Zelda Rd Montgomery, AL	2.0	2.0	1013	$1,042	$1.03	14d	3	0.47mi
895 Greg Dr Montgomery, AL	3.0	2.0	1489	$1,600	$1.07	14d	1	0.67mi
860 Greg Dr Montgomery, AL	3.0	2.0	1400	$1,295	$0.93	14d	1	0.68mi
1216 Beechdale Rd Montgomery, AL	4.0	2.0	1495	$1,325	$0.89	44d	1	0.69mi
688 Joryne Dr Montgomery, AL	3.0	2.0	1500	$1,200	$0.80	44d	1	0.71mi
2736 Chevy Chase Dr Montgomery, AL	3.0	1.0	1100	$1,300	$1.18	44d	1	0.72mi
3233 Hillcrest Ln Montgomery, AL	3.0	2.0	1278	$1,395	$1.09	22d	1	0.78mi
311 Bradley Dr Montgomery, AL	3.0	1.0	1104	$825	$0.75	44d	1	0.80mi
1814 Pinecrest Dr Montgomery, AL	3.0	1.0	1053	$990	$0.94	44d	1	0.81mi
3602 Little John Dr Montgomery, AL	4.0	1.0	1286	$1,400	$1.09	22d	1	0.83mi
301 Bradley Dr Montgomery, AL	2.0	1.0	841	$935	$1.11	14d	1	0.84mi
1839 Robison Hill Rd Montgomery, AL	4.0	2.0	1370	$1,550	$1.13	22d	1	0.94mi
319 Olivia Ct Montgomery, AL	2.0	1.0	850	$700	$0.82	22d	1	0.95mi
2454 Spruce Curv Montgomery, AL	3.0	1.0	988	$1,100	$1.11	44d	1	0.96mi
122 Oak Forest Dr Montgomery, AL	3.0	1.0	1092	$975	$0.89	22d	1	0.96mi
3329 Vermont Dr Montgomery, AL	3.0	1.5	1465	$1,395	$0.95	14d	1	0.99mi
4041A Beth Manor Dr Montgomery, AL	1.0–3.0	1.0–2.0	925	$1,000	$1.08	22d	20	1.00mi
3334 Cottonwood Dr Montgomery, AL	3.0	2.0	1025	$1,295	$1.26	14d	1	1.01mi
3515 Cottonwood Dr Montgomery, AL	3.0	1.5	1246	$1,350	$1.08	44d	1	1.05mi
239 Forest Hills Dr Montgomery, AL	4.0	1.5	1500	$1,450	$0.97	22d	1	1.05mi
118 Nottingham Ct Montgomery, AL	3.0	2.0	1344	$1,275	$0.95	44d	1	1.05mi
3319 Willow Lane Dr Montgomery, AL	3.0	2.0	1032	$1,200	$1.16	44d	1	1.07mi
750 S Marquette Dr Montgomery, AL	3.0	1.0	1325	$1,195	$0.90	44d	1	1.08mi
15 Bradley Dr Montgomery, AL	3.0	2.0	1365	$1,500	$1.10	22d	1	1.17mi
2205 E 5th St Montgomery, AL	3.0	1.0	1020	$800	$0.78	44d	1	1.24mi
7 Calhoun Rd Unit B Montgomery, AL	2.0	1.0	961	$850	$0.88	44d	1	1.32mi
2113 Brewton St Montgomery, AL	3.0	1.0	1363	$1,150	$0.84	44d	1	1.34mi
2000 Cherry St Montgomery, AL	2.0	1.0	1106	$950	$0.86	44d	1	1.34mi
2020 E 3rd St Montgomery, AL	2.0	1.0	1186	$750	$0.63	22d	1	1.38mi
2229 Madison Ave Montgomery, AL	2.0	1.0	1100	$625	$0.57	44d	1	1.39mi
2009 Palmetto St Montgomery, AL	3.0	1.0	1487	$1,050	$0.71	44d	1	1.41mi
4132 Carmichael Rd Montgomery, AL	1.0–3.0	1.0–2.0	900	$1,156	$1.28	14d	10	1.44mi

Listing history 25 events

1. 2026-06-21
   statusdays on market $89,900 Pending 77 DOM
2. 2026-06-18
   days on market $89,900 Active 76 DOM
3. 2026-06-17
   days on market $89,900 Active 75 DOM
4. 2026-06-16
   days on market $89,900 Active 74 DOM
5. 2026-06-15
   days on market $89,900 Active 73 DOM
6. 2026-06-14
   days on market $89,900 Active 71 DOM
7. 2026-06-13
   days on market $89,900 Active 70 DOM
8. 2026-06-10
   days on market $89,900 Active 68 DOM
9. 2026-06-09
   days on market $89,900 Active 67 DOM
10. 2026-06-08
    days on market $89,900 Active 66 DOM
11. 2026-06-07
    days on market $89,900 Active 65 DOM
12. 2026-06-03
    days on market $89,900 Active 61 DOM
13. 2026-06-02
    days on market $89,900 Active 60 DOM
14. 2026-06-01
    days on market $89,900 Active 59 DOM
15. 2026-05-31
    days on market $89,900 Active 58 DOM
16. 2026-05-30
    days on market $89,900 Active 57 DOM
17. 2026-04-03
    listed $89,900 Active 767-char remark

    Show marketing remark (767 chars)

    Welcome to this charming 3-bedroom, 1-bathroom ranch-style home located in the established Morningview subdivision! Perfectly situated on a spacious lot, this move-in-ready residence features 1,134 square feet of comfortable living space. The functional floor plan includes a bright living room and a classic kitchen, perfect for everyday living. Enjoy the convenience of an attached carport and a large, fully fenced backyard—ideal for outdoor gatherings or pets. Located just minutes from local schools, shopping, and dining, this home offers the perfect blend of suburban tranquility and city accessibility. Whether you are a first-time homebuyer or looking for a solid investment property, 3335 Bedford Ln is a must-see! Schedule your private showing today.

18. 2021-07-13
    soldstatus $55,000
19. 2021-07-08
    soldstatus $55,000 521-char remark

    Show marketing remark (521 chars)

    INVESTOR'S OPPORTUNITY. COMPLETE RENTAL PORTFOLIO OF 5 HOUSES FOR SALE AS IS WHERE IS OR 5 RENTAL HOUSES CAN BE SOLD INDIVIDUALLY: 378 Shelly Ln. , Montgomery, AL, 4 BR/1 BA, rented for $ 555; 2811 Fairground Rd. , Montgomery, AL, rented for $ 630; 3335 Bedford Ln. , Montgomery, AL, rented for $ 620; 322 Gardendale Dr. , Montgomery, AL, vacant; 1620 Crouson St. , Montgomery, AL, vacant; Tenant occupied property can be shown if under contract only or with more than 48 notice to minimize tenant disruption.

20. 2021-05-06
    listed $63,500 521-char remark

    Show marketing remark (521 chars)

    INVESTOR'S OPPORTUNITY. COMPLETE RENTAL PORTFOLIO OF 5 HOUSES FOR SALE AS IS WHERE IS OR 5 RENTAL HOUSES CAN BE SOLD INDIVIDUALLY: 378 Shelly Ln. , Montgomery, AL, 4 BR/1 BA, rented for $ 555; 2811 Fairground Rd. , Montgomery, AL, rented for $ 630; 3335 Bedford Ln. , Montgomery, AL, rented for $ 620; 322 Gardendale Dr. , Montgomery, AL, vacant; 1620 Crouson St. , Montgomery, AL, vacant; Tenant occupied property can be shown if under contract only or with more than 48 notice to minimize tenant disruption.

21. 2005-03-31
    soldstatus $65,000
22. 2004-12-14
    listed $72,000
23. 2003-11-10
    soldstatus $49,100
24. 2003-08-13
    listed $50,400
25. 2003-06-20
    listed $56,000

ⓘ 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: $693 · $58/mo
• Projected year-2 tax: $693 · $58/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 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 19 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

Taxation est. · year 1

• Rental income: $15,664
• − Mortgage interest: −$5,036
• − Property taxes: −$693
• − Insurance: −$450
• − Repairs & maintenance: −$1,253
• − Management: −$1,253
• − Depreciation: −$2,615
• Taxable income: $4,365
• Est. tax owed @ 24.0%: −$1,048
• After-tax cash flow: $4,528/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

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

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): 23,581
• Household income: $59,193
• Rent vs Own: 35.1% rent · 64.9% own
• Severe rent burden: 1039.0

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 0.60)
• Race & ethnicity: White 49% Black 39% Hispanic / Latino 8% Two or more races 4%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 2% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada, South Korea
• Languages at home: 94% English-only · Spanish 5%

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: ▼ -37.64%
• Current HPI: 149.3867
• Rent YoY: ▲ 2.65%
• 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
▸Healthcare	1	$5B

Price history

+60.5% since first listed

9 events — show timeline

• 2026-04-03 Listed $89,900 Greater Alabama MLS
• 2021-07-13 Sold (Public Records) $55,000 Public Records
• 2021-07-08 Sold (MLS) $55,000 MAAR
• 2021-05-06 Listed $63,500 MAAR
• 2005-03-31 Sold (MLS) $65,000 MAAR
• 2004-12-14 Listed $72,000 MAAR
• 2003-11-10 Sold (MLS) $49,100 MAAR
• 2003-08-13 Listed $50,400 MAAR
• 2003-06-20 Listed $56,000 MAAR

Property tax history

+4.1%/yr

Latest (2025): $693 · -4.0% YoY. Source: county tax records.