412 5th St · Sylacauga, AL 35150

$75,000

3 bd · 1.0 ba · 1,258 sqft · SingleFamily public records · 2 Days on market

Built 1945 0.36 ac lot $60/sqft · 37% below area Est $120k · 37% 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 +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• Livability +3.2/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Simple home in Sylacauga with 3 bedrooms and 1 bathroom. Nice interior with beautiful living room space and kitchen!

Key facts

• Hardwood flooring
• Covered front porch
• Large kitchen

Tags

• SPACIOUS LIVING ROOM
• SEPARATE DINING AREA
• LARGE KITCHEN
• HARDWOOD FLOORING
• LARGE FLAT YARD
• COVERED FRONT PORCH

Property features AI

Finance

• Other: Lot size approximately 0.36 acres; Located in the Sylacauga subdivision area

Exterior

• Parking: On-street parking
• Utilities: Public water; Connected sewer; Electric water heater; Internet service availability unknown
• Home design: Existing structure; Wood siding construction
• Construction: Crawl space foundation
• Exterior features: Covered deck; Interior lot; No pool; No patio; No garden/patio; Not waterfront

Interior

• Kitchen: Laminate countertops; Kitchen on the main level
• Bedrooms: Three bedrooms, all on the main level
• Flooring: Hardwood floors; Tile flooring
• Bathrooms: One full bathroom with tub/shower combo (main level)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Smooth ceilings; No notable built-in interior features listed
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry located on the main level; Laundry space described as 'Other' (see remarks)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $295 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($962 rent vs $75k).
• Cap rate 11.0% vs local median 4.3% in Sylacauga — 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 64/100 on livability (#157 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A-; Watch: crime F, amenities F, commute F.
• Sylacauga City (town): math 20% / reading 45% proficiency, ranked #63 of 129 in AL (top 49%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Indian Valley Elementary School (553 students, 66% FRL); Sylacauga High School (math 22% / reading 32%, grade F, #90 of 305 statewide, top 35%, 677 students, 63% FRL) — zoned schools average 64% FRL vs 50% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 134 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $519 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 6y 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.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 46% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $75,000

Questions for the listing agent

1. Built in 1945 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
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: 1.28% ✓
• Cap rate: 11.01%
• Cash-on-cash: 16.86%
• DSCR: 1.75
• GRM: 6.5

CMA / ARV

• ARV (median comp): $119,946
• List price: $75,000
• Delta: -38.31%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
400 E 3rd St	0.16mi	2/1.0 (-1)	1,276 (+1%)	1mo	$74,800	$59	84
412 E 6th St	0.10mi	3/1.0	1,176 (-6%)	14mo	$45,000	$38	73
305 N Nashville Ave	0.15mi	2/1.0 (-1)	1,232 (-2%)	20mo	$110,000	$89	68
1004 Cook Dr	0.46mi	3/1.5	1,317 (+5%)	1mo	$50,000	$38	67
1121 Cook Dr	0.51mi	3/1.0	1,200 (-5%)	7mo	$70,000	$58	63
116 Oldfield Rd	0.69mi	2/1.0 (-1)	1,258 (0%)	6mo	$101,000	$80	58
305 E 4th St	0.13mi	3/2.0	1,413 (+12%)	20mo	$115,000	$81	53
210 E Spring St	0.57mi	3/1.0	1,070 (-15%)	18mo	$35,000	$33	34
17 Montgomery Ave	0.70mi	2/2.0 (-1)	1,392 (+11%)	9mo	$77,200	$55	33

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: 8.0%
• Equity multiple: 1.32×
• Total profit: $6,620
• Equity at exit: $11,183

10-year hold

• IRR: 17.3%
• Equity multiple: 2.42×
• Total profit: $29,886
• Equity at exit: $6,485

Cash invested: $21,000 (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 35150

• Home prices YoY: -7.9%
• Active inventory: 134
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $962 high
• Mortgage (P&I): −$393
• Tax from tax record: −$40 /mo · $483/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$202
• Net cashflow: $295

Break-even live

Break-even rent $588

Max offer price $75,000

Occupancy floor 64%

Sensitivity live

Price	-10% $337	-5% $316	+0% $295	+5% $274	+10% $253
Rent	-10% $219	-5% $257	+0% $295	+5% $333	+10% $371
Rate	-1.0pp $333	-0.5pp $314	base $295	+0.5pp $276	+1.0pp $256

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14 E Clay St Sylacauga, AL	3.0	1.0	1000	$895	$0.90	44d	1	0.90mi
12 E Clay St Sylacauga, AL	3.0	1.0	1000	$895	$0.90	44d	1	0.90mi
307 N Cannon Ave Sylacauga, AL	4.0	2.0	1540	$1,350	$0.88	44d	1	1.09mi
123 Avondale Ave Sylacauga, AL	3.0	1.5	1316	$915	$0.70	44d	1	1.19mi
600 S Broadway Ave Sylacauga, AL	1.0–2.0	1.0	785	$700	$0.89	44d	1	1.21mi

Listing history 22 events

1. 2026-06-19
   days on market $75,000 Active 2 DOM
2. 2026-06-18
   pricestatusdays on marketlisting id $75,000 Active 1 DOM
3. 2026-04-23
   price $74,000
4. 2026-04-15
   price $89,000
5. 2026-03-25
   price $105,000
6. 2026-03-21
   price $119,000
7. 2025-10-02
   historical $975
8. 2025-09-26
   listed $975
9. 2025-09-22
   historical $975
10. 2025-09-05
    listed $975
11. 2024-08-24
    historical $915
12. 2024-07-31
    listed $915
13. 2021-07-14
    soldstatus $97,500
14. 2021-06-28
    soldstatus $97,500 116-char remark

    Show marketing remark (116 chars)

    Simple home in Sylacauga with 3 bedrooms and 1 bathroom. Nice interior with beautiful living room space and kitchen!

15. 2021-05-11
    soldstatus $55,000
16. 2021-04-27
    listed $97,500 116-char remark

    Show marketing remark (116 chars)

    Simple home in Sylacauga with 3 bedrooms and 1 bathroom. Nice interior with beautiful living room space and kitchen!

17. 2020-12-11
    soldstatus $30,000 Sold
18. 2020-10-02
    historical Contingent
19. 2020-09-12
    price $37,000
20. 2020-07-14
    status Active
21. 2020-07-03
    historical Contingent
22. 2020-06-25
    listed $39,000 Active

ⓘ 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: $483 · $40/mo
• Projected year-2 tax: $483 · $40/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 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 46% 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: $11,542
• − Mortgage interest: −$4,201
• − Property taxes: −$483
• − Insurance: −$375
• − Repairs & maintenance: −$923
• − Management: −$923
• − Depreciation: −$2,182
• Taxable income: $2,454
• Est. tax owed @ 24.0%: −$589
• After-tax cash flow: $2,951/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: Sylacauga City
• NCES district ID: 0103120
• Math proficiency: 20% ▼ -25.00%
• Reading proficiency: 45% ▲ 4.00%
• Median HH income: $33,900
• Composite: 26.64/100
• National rank: #7170
• State rank: #63 of 129 in AL

Livability — Sylacauga

• Score: 64/100
• State rank: #157
• US rank: #14297

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sylacauga, AL
• City population: 17,118
• Population (ZIP): 17,118

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: Majority White (62%)
• Race & ethnicity: White 62% Black 32% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Hispanic 1% Italian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

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: ▼ -20.65%
• Current HPI: 240.527
• 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

+92.3% since first listed

21 events — show timeline

• 2026-06-17 Listed $75,000 Greater Alabama MLS
• 2026-04-23 Price Changed $74,000 Greater Alabama MLS
• 2026-04-15 Price Changed $89,000 Greater Alabama MLS
• 2026-03-25 Price Changed $105,000 Greater Alabama MLS
• 2026-03-21 Price Changed $119,000 Greater Alabama MLS
• 2025-10-02 Rental Removed $975 TENANTTURNER2
• 2025-09-26 Listed for Rent $975 TENANTTURNER2
• 2025-09-22 Rental Removed $975 TENANTTURNER2
• 2025-09-05 Listed for Rent $975 TENANTTURNER2
• 2024-08-24 Rental Removed $915 SHOWMOJO
• 2024-07-31 Listed for Rent $915 SHOWMOJO
• 2021-07-14 Sold (Public Records) $97,500 Public Records
• 2021-06-28 Sold (MLS) $97,500 Greater Alabama MLS
• 2021-05-11 Sold (Public Records) $55,000 Public Records
• 2021-04-27 Listed $97,500 Greater Alabama MLS
• 2020-12-11 Sold (MLS) $30,000 Greater Alabama MLS
• 2020-10-02 Contingent — Greater Alabama MLS
• 2020-09-12 Price Changed $37,000 Greater Alabama MLS
• 2020-07-14 Relisted — Greater Alabama MLS
• 2020-07-03 Contingent — Greater Alabama MLS
• 2020-06-25 Listed $39,000 Greater Alabama MLS

Property tax history

+3.4%/yr

Latest (2025): $483 · +0.6% YoY. Source: county tax records.