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1323 Stubblefield Aly
F Composite 27.63
Why this score? — see what drove the F 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).

  • ARV discount +7.5/15.0
  • Cash flow +6.8/30.0
  • Condition / age +4.8/5.0
  • Livability +2.5/5.0
  • 1% rule +2.4/10.0
  • Rent growth +2.3/5.0
  • DSCR +1.0/10.0
  • Schools +0.4/10.0
  • Appreciation +0.0/10.0

$379,990

1323 Stubblefield Aly · Nashville-Davidson metropolitan government (balance), TN 37218
3 bd · 2.5 ba · 1,765 sqft · Townhouse · 62 Days on market
Built 2026 Excellent condition 2-car garage $215/sqft · 53% below area $190/mo HOA · 7% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Special incentive opportunities available on select homes as part of our Purple Tag event when using our preferred lender—opportunities are limited, and terms apply. Connect today to learn more and say yes to your new home while enjoying added value. To Be Built- Oct/Nov 2026 est. completion date. Stokers Village is a brand new community now selling in North Nashville, just 5 miles from downtown! Designed to shine, the Cameron floorplan offers open living and dining areas creating a welcoming space to gather. In the kitchen, shaker style cabinets are paired with quartz countertops and a crisp white backsplash, adding contrast and a modern finish that elevates the entire space. A convenient powder bath and smart storage keep the main level both stylish and functional. Upstairs, you are welcomed into a serene owner’s suite featuring two walk-in closets—rare for townhome living—and a private bath with dual sinks and a walk-in tiled shower. Two additional bedrooms, each with walk-in closets, offer flexible living options for guests, work-from-home needs, or hobbies. An upstairs laundry room adds everyday convenience. Additionally, the alley-loaded 2-bay garage keeps the exterior polished and gives extra room for storage. Every home at Stokers Village includes Century Home Connect® smart home features, along with stainless steel LG kitchen appliances—refrigerator, oven, microwave, and dishwasher—so you can move in with confidence from day one. Reach out to Community Sales Agent for more information on specific features of each individual home.

Key facts

  • Quartz countertops
  • Smart storage
  • White backsplash

Tags

OPEN LIVING AND DINING AREASSHAKER STYLE CABINETSQUARTZ COUNTERTOPSWHITE BACKSPLASHPOWDER BATHSMART STORAGE

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.5-bath townhouse listed at $380k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-596 ($-7k/yr) — negative.
  • To cash-flow at today's rent, offer at most $294k (22.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $281k (26.0% below list).
  • Recommended offer: $281k (26.0% below list) — sets the bar for 1% rule.
  • Cap rate 4.4% vs local median 3.0% in Nashville-Davidson metropolitan government (balance) — 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: area grade F — affects rentability + tenant quality, not the cash-flow math above.
  • Davidson County (urban): math 12% / reading 19% proficiency, ranked #126 of 139 in TN (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Cumberland Elementary (math 2% / reading 2%, grade F, #926 of 952 statewide, top 100%, 438 students, 0% FRL); Haynes Middle (math 0% / reading 3%, grade F, #332 of 333 statewide, top 100%, 291 students, 0% FRL); Whites Creek High (math 2% / reading 12%, grade F, #294 of 332 statewide, top 91%, 587 students, 0% FRL) — zoned schools average 0% FRL vs 66% district-wide (66 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents soft (-0.7%/yr); 273 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 76d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; 6,873 units permitted in Davidson County in 2024 (4,138 in 5+ unit buildings).
  • At $2,810/mo this rent would consume 54% of the median local household income ($62k/yr) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
  • Davidson County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 62 days — a 6% lower offer ($357k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts 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.
Recommended offer $281,005 (26.0% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 62 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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.
  8. 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.
  9. 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
0.74%
Cap rate
4.41%
Cash-on-cash
-6.72%
DSCR
0.70
GRM
11.3

CMA / ARV

ARV (median comp)
$808,957
List price
$379,990
Delta
-53.03%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 7 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3025 Stokers Ln 0.04mi 3/2.5 1,765 (0%) 0mo $349,990 $198 98
1309 Stubblefield Aly 0.00mi 3/2.5 1,765 (0%) 4mo $379,990 $215 97
3011 Stokers Ln 0.12mi 3/2.5 1,765 (0%) 0mo $349,990 $198 94
3009 Stokers Ln 0.12mi 3/2.5 1,765 (0%) 0mo $349,990 $198 94
3015 Stokers Ln 0.13mi 3/2.5 1,765 (0%) 1mo $367,990 $208 93
3021 Stokers Ln 0.14mi 3/2.5 1,765 (0%) 3mo $379,990 $215 91
1007A Alice St 0.65mi 3/3.0 1,910 (+8%) 17mo $490,000 $257 40

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
-31.6%
Equity multiple
-0.01×
Total profit
$-107,616
Equity at exit
$56,658
10-year hold
IRR
-58.7%
Equity multiple
-0.63×
Total profit
$-173,775
Equity at exit
$32,855

Cash invested: $106,397 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Tennessee
87 Strongly Landlord-Friendly · R+13
County
— inherits STATE
City
— inherits STATE
14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
17 active · 13 under contract
Months of supply
14.6 mo (7%/mo absorbed)
Median asking
$459,900 ($256/sqft)
Median days on market
69 d
This list price
35% of active listings are priced below it
ARV vs active asking
+79.0% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 37218

Home prices YoY
-25.0%
Rents YoY
-0.7%
Active inventory
273
Price-to-rent
11.3×

Monthly cashflow live

Estimated rent
$2,810 high interval (Pro) →
Mortgage (P&I)
$1,993
Tax est. 1.5%
$475 /mo · $5,700/yr
Insurance
$158
HOA
$190
Vacancy / Maint / Mgmt
$590
Net cashflow
$-596

Break-even live

Break-even rent $3,565
Max offer price $293,735
Occupancy floor

Sensitivity live

Price -10% $-333 -5% $-465 +0% $-596 +5% $-727 +10% $-859
Rent -10% $-818 -5% $-707 +0% $-596 +5% $-485 +10% $-374
Rate -1.0pp $-405 -0.5pp $-499 base $-596 +0.5pp $-695 +1.0pp $-795

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
$94,998
Closing costs
$11,400
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3839 Buena Vista Pike Nashville, TN 3.0 2.0 1674 $1,150 $0.69 87d 1 0.31mi
3068 Chateau Valley Dr Nashville, TN 3.0 2.0 1354 $2,185 $1.61 0d 1 0.35mi
1205 Saint Marys Ln Nashville, TN 3.0 2.0 2191 $2,600 $1.19 9d 1 0.38mi
970 Youngs Ln Unit A Nashville, TN 4.0 4.0 1772 $4,200 $2.37 112d 1 0.55mi
968 Youngs Ln Unit 1051746P Nashville, TN 4.0 4.0 1711 $6,192 $3.62 98d 1 0.57mi
966 Youngs Ln Unit 1051745P Nashville, TN 4.0 4.0 1754 $7,110 $4.05 103d 1 0.57mi
647 Shipp Ln Nashville, TN 3.0 2.0 1560 $2,000 $1.28 82d 1 0.58mi
960 Youngs Ln Nashville, TN 4.0 4.0 1920 $3,000 $1.56 106d 1 0.58mi
3817 Augusta Dr Nashville, TN 4.0 2.0 2112 $2,550 $1.21 9d 1 0.61mi
1007A Alice St Nashville, TN 3.0 3.0 2062 $2,900 $1.41 62d 1 0.68mi
3004 Lytle Dr Nashville, TN 3.0 1.0 1350 $2,000 $1.48 68d 1 0.76mi
3004 Lytle Dr Nashville, TN 3.0 1.5 1350 $2,000 $1.48 74d 1 0.76mi
3004 Lytle Dr Nashville, TN 3.0 1.5 1350 $2,000 $1.48 82d 1 0.76mi
910 Youngs Ln Nashville, TN 3.0 3.5 1959 $2,750 $1.40 97d 1 0.79mi
908 Youngs Ln Nashville, TN 3.0 2.5 1984 $2,995 $1.51 87d 1 0.81mi
908 Youngs Ln Nashville, TN 3.0 2.5 1984 $3,300 $1.66 119d 1 0.81mi
910 Youngs Ln #7 Nashville, TN 3.0 3.5 1959 $3,800 $1.94 80d 1 0.82mi
906A Youngs Ln Nashville, TN 3.0 2.5 1850 $4,500 $2.43 119d 1 0.82mi
2420 Stivers St Nashville, TN 3.0 2.5 1736 $2,350 $1.35 9d 1 0.84mi
514 Sterling Rdg Nashville, TN 3.0–4.0 2.5–3.5 2346 $2,899 $1.24 58d 10 0.91mi
140 Hillside Cottage Ln Nashville, TN 3.0 2.5–3.5 2224 $3,274 $1.47 0d 8 0.93mi
3217 Alpine Ave Nashville, TN 3.0 2.5 2000 $2,995 $1.50 9d 1 0.94mi
3212A Lincoln Ave Nashville, TN 4.0 3.0 1871 $2,690 $1.44 76d 1 0.98mi
3221B Lincoln Ave Nashville, TN 3.0 2.5 2134 $2,700 $1.27 110d 1 1.01mi
200 Hillside Cottage Ln Nashville, TN 3.0 1.0–2.0 1063 $2,969 $2.79 0d 45 1.04mi
3209 Curtis St Nashville, TN 3.0 2.5 1750 $2,695 $1.54 9d 1 1.12mi
2206 Buena Vista Pike Unit D Nashville, TN 3.0 2.5 1703 $2,473 $1.45 9d 1 1.14mi
2050 McKinley St Nashville, TN 3.0 3.5 2277 $2,950 $1.30 119d 1 1.14mi
2050 McKinley St Nashville, TN 3.0 4.0 2277 $2,950 $1.30 93d 1 1.14mi
2327 Whites Creek Pike Nashville, TN 2.0 2.0 1391 $1,950 $1.40 103d 1 1.16mi
544 Cliff Cir Nashville, TN 3.0 3.5 1955 $2,495 $1.28 9d 1 1.16mi
4021 Clarksville Pike #7 Nashville, TN 4.0 3.5 2000 $2,700 $1.35 82d 1 1.22mi
4021 Clarksville Pike #1 Nashville, TN 4.0 3.5 2000 $2,700 $1.35 9d 1 1.22mi
2131 Goodrich Ave Nashville, TN 4.0–8.0 4.0–8.0 3314 $5,348 $1.61 0d 2 1.25mi
2131 Goodrich Ave Unit 1051732P Nashville, TN 4.0 4.5 2206 $5,558 $2.52 80d 1 1.25mi
550 Great Circle Rd Nashville, TN 2.0 1.0–2.0 883 $2,735 $3.10 2d 84 1.26mi
4064 Cedar Cir Nashville, TN 3.0 2.5 1500 $2,350 $1.57 85d 1 1.31mi
427 Toney Rd Unit B Nashville, TN 3.0 2.5 1554 $2,403 $1.55 5d 1 1.37mi
101 Athens Way Nashville, TN 1.0–2.0 1.0–2.0 997 $2,364 $2.37 0d 23 1.37mi
3715 Fairview Dr Nashville, TN 3.0 2.5 2180 $3,700 $1.70 9d 1 1.38mi

Property features AI

Finance

Other
Green features: energy-efficient windows, low-flow plumbing fixtures, programmable thermostat
HOA & community
HOA with monthly fee of $190One-time association fee of $550HOA includes maintenance of grounds, insurance, and trashCondominium common interestPets allowed

Exterior

Parking
Attached 2-car garage (garage faces rear)2 covered parking spaces, 2 total parking spaces
Security
Smoke detector(s)
Utilities
Public waterPublic sewerElectricity availableWater available
Home design
Attached townhouseTwo levelsNew constructionBuilder-provided living area: 1765
Construction
Hardboard siding and brick exteriorShingle roofSlab foundationTo-be-built (year built to be built)
Exterior features
Landscaping and grounds maintenance includedTrash service included

Interior

Kitchen
Electric ovenElectric rangeDishwasherMicrowaveRefrigerator
Bedrooms
3 bedrooms (Bedroom sizes: 13x13, 12x11, 14x11)
Flooring
Tile
Bathrooms
2 full bathrooms1 half bathroom
Heating & cooling
Electric heatingElectric cooling
Interior features
Stainless steel appliancesDisposalTile flooringSmoke detector(s)
Laundry & utility
Electric dryer hookup

Listing history 50 events

  1. 2026-09-16
    pricedays on market $379,990 Active 62 DOM
  2. 2026-09-15
    days on market $389,990 Active 61 DOM
  3. 2026-09-14
    days on market $389,990 Active 60 DOM
  4. 2026-09-13
    days on market $389,990 Active 59 DOM
  5. 2026-09-12
    days on market $389,990 Active 58 DOM
  6. 2026-09-11
    days on market $389,990 Active 57 DOM
  7. 2026-09-05
    days on market $389,990 Active 51 DOM
  8. 2026-09-04
    days on market $389,990 Active 50 DOM
  9. 2026-09-03
    days on market $389,990 Active 49 DOM
  10. 2026-08-31
    days on market $389,990 Active 46 DOM
  11. 2026-08-29
    days on market $389,990 Active 44 DOM
  12. 2026-08-28
    days on market $389,990 Active 43 DOM
  13. 2026-08-27
    days on market $389,990 Active 42 DOM
  14. 2026-08-26
    days on market $389,990 Active 41 DOM
  15. 2026-08-25
    days on market $389,990 Active 40 DOM
  16. 2026-08-24
    days on market $389,990 Active 39 DOM
  17. 2026-08-23
    days on market $389,990 Active 38 DOM
  18. 2026-08-22
    days on market $389,990 Active 37 DOM
  19. 2026-08-21
    days on market $389,990 Active 36 DOM
  20. 2026-08-20
    days on market $389,990 Active 35 DOM
  21. 2026-08-19
    days on market $389,990 Active 34 DOM
  22. 2026-08-18
    days on market $389,990 Active 33 DOM
  23. 2026-08-17
    days on market $389,990 Active 32 DOM
  24. 2026-08-16
    days on market $389,990 Active 31 DOM
  25. 2026-08-15
    days on market $389,990 Active 30 DOM
  26. 2026-08-14
    days on market $389,990 Active 29 DOM
  27. 2026-08-13
    days on market $389,990 Active 28 DOM
  28. 2026-08-12
    days on market $389,990 Active 27 DOM
  29. 2026-08-11
    days on market $389,990 Active 26 DOM
  30. 2026-08-10
    days on market $389,990 Active 25 DOM
  31. 2026-08-09
    days on market $389,990 Active 24 DOM
  32. 2026-08-08
    days on market $389,990 Active 23 DOM
  33. 2026-08-07
    days on market $389,990 Active 22 DOM
  34. 2026-08-06
    days on market $389,990 Active 21 DOM
  35. 2026-08-05
    days on market $389,990 Active 20 DOM
  36. 2026-08-04
    days on market $389,990 Active 19 DOM
  37. 2026-08-03
    days on market $389,990 Active 18 DOM
  38. 2026-07-31
    days on market $389,990 Active 15 DOM
  39. 2026-07-30
    days on market $389,990 Active 14 DOM
  40. 2026-07-30
    days on market $389,990 Active 13 DOM
  41. 2026-07-28
    days on market $389,990 Active 12 DOM
  42. 2026-07-26
    days on market $389,990 Active 10 DOM
  43. 2026-07-24
    days on market $389,990 Active 8 DOM
  44. 2026-07-23
    days on market $389,990 Active 7 DOM
  45. 2026-07-22
    days on market $389,990 Active 6 DOM
  46. 2026-07-21
    days on market $389,990 Active 5 DOM
  47. 2026-07-20
    days on market $389,990 Active 4 DOM
  48. 2026-07-18
    days on market $389,990 Active 2 DOM
  49. 2026-07-18
    days on marketlisting id $389,990 Active 1 DOM
  50. 2026-07-13
    days on market $389,990 Active 37 DOM

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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$33,721
− Mortgage interest
−$21,285
− Property taxes
−$5,700
− Insurance
−$1,900
− Repairs & maintenance
−$2,698
− Management
−$2,698
− HOA
−$2,280
− Depreciation
−$11,054
Taxable loss
−$13,894
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,335
After-tax cash flow
$-3,818/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.

Condition & rehab AI · 14 photos

Excellent 95/100 None rehab

This brand new townhouse in Stokers Village is move-in ready with excellent condition and a fresh, modern design. Minimal maintenance and updates would further enhance its value.

Value-add opportunities

  • Resale Painting the exterior siding — Fresh paint can enhance curb appeal and property value
  • Both Landscaping the front yard — A well-maintained yard can improve both resale and rental value
F Composite school gradezoned avg 4/100

Zoned Schools

Elementary Cumberland Elementary F TN #926/952 Nat'l #41,309/41,679 Middle Haynes Middle F TN #332/333 Nat'l #14,000/14,009 High Whites Creek High F TN #294/332 Nat'l #16,721/17,239

Schools (NCES district)

District
Davidson County
NCES district ID
4703180
Math proficiency
12% ▼ -17.00%
Reading proficiency
19% ▼ -7.00%
Median HH income
$48,667
Composite
14.03/100
National rank
#9472
State rank
#126 of 139 in TN

Livability — Nashville-Davidson metropolitan government (balance)

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
Nashville-Davidson metropolitan government (balance), TN
County
Davidson County · 808,568 people
City population
677,595
Metro
Nashville-Davidson--Murfreesboro--Franklin, TN
Population (ZIP)
15,292
Household income
$61,919
Rent vs Own
34.8% rent · 65.2% own
Severe rent burden
12% of renters

Population outlook (Davidson County) Hauer SSP2

Today (2025)
808,568 people
By 2030
874,489 · +8.2%
By 2040
1,009,046 · +24.8%
By 2050
1,147,294 · +41.9%
By 2075
1,475,439 · +82.5%
By 2100
1,714,101 · +112.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Black (68%)
Race & ethnicity
Black 68% White 19% Two or more races 6% Hispanic / Latino 4% Asian 1%
Common ancestry
Italian 1%
Foreign-born
3% · Canada, Vietnam
Languages at home
96% English-only · Spanish 2% Vietnamese 1%

Political lean MEDSL · Davidson

2024 margin
Strong D (+27.4) · D 62.7% · R 35.3% · Other 2.0%
2008→2024 swing
+6.5pp toward D · 2008: 21.0pp · 2024: 27.4pp
All cycles
2024: D+27.4 2020: D+32.1 2016: D+26.0 2012: D+18.7 2008: D+21.0

Not yet ingested

Civics

Price history

+0.0% since first listed
3 events — show timeline
  • 2026-07-16 Listed $389,990 REALTRACS as Distributed by MLS Grid
  • 2026-07-14 Listing Removed REALTRACS as Distributed by MLS Grid
  • 2026-06-06 Listed $389,990 REALTRACS as Distributed by MLS Grid

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…