6261 Highway 144 · Ragland, AL 35131

$54,900

3 bd · 1.0 ba · 1,581 sqft · SingleFamily public records · 245 Days on market

Built 1971 0.90 ac lot ↓ 31% since listing

---

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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +7.7/10.0
• ARV discount +7.5/15.0
• Schools +3.2/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

3/2 1,500 sqft on . 9 of an acre 10 minutes from I-20

Key facts

• 0.9 acre lot
• Built 1971
• Listed 245 days

Property features AI

Finance

• Financial info: Down payment assistance available
• HOA & community: No association fee

Exterior

• Parking: Circular drive; Driveway parking; Off-street parking; Multi-level parking mentioned; RV parking
• Utilities: Public water; Septic system; Electric water heater; Internet service available (Ragland Telephone)
• Home design: Existing (previously built) structure
• Construction: Vinyl siding; Crawl space foundation with pillars/support
• Exterior features: Barn; Workshop; Covered and open decks; Some trees on the lot; Ramps (special needs access)

Interior

• Kitchen: Laminate countertops; Refrigerator; Electric stove
• Bedrooms: Master bedroom on main level; Multiple additional bedrooms on main level (total bedrooms indicated in rooms list)
• Flooring: Carpet; Vinyl
• Bathrooms: One full bathroom with separate shower
• Heating & cooling: Window heating units; Window cooling units
• Interior features: Carpet and vinyl flooring; Brick gas fireplace in the living room; Ceilings noted as 'Other (see remarks)'; Attic present; No additional interior features listed
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $726 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $48k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 54/100 on livability (#464 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
• St Clair County (rural): math 21% / reading 52% proficiency, ranked #33 of 129 in AL (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 12 active listings in the ZIP; 557 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($380 loan paydown + $3k appreciation (5.3% local appreciation)).
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (5.3% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 245 days — a 12% lower offer ($48k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 26% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $48,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 245 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1971 — 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. 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. 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: 2.43% ✓
• Cap rate: 22.17%
• Cash-on-cash: 56.70%
• DSCR: 3.52
• GRM: 3.4

CMA / ARV

• ARV (on-the-fly): $219,759
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
75 Charles Douglas Rd	0.68mi	3/2.0	1,488 (-6%)	8mo	$207,000	$139	48

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.33% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 64.2%
• Equity multiple: 4.90×
• Total profit: $59,948
• Equity at exit: $32,229

10-year hold

• IRR: 61.7%
• Equity multiple: 10.16×
• Total profit: $140,747
• Equity at exit: $56,570

Cash invested: $15,372 (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 35131

• Home prices YoY: 3.5%
• Active inventory: 12
• Price-to-rent: 3.4×

Monthly cashflow live

• Estimated rent: $1,332 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$16 /mo · $188/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$280
• Net cashflow: $726

Break-even live

Break-even rent $413

Max offer price $54,900

Occupancy floor 40%

Sensitivity live

Price	-10% $757	-5% $742	+0% $726	+5% $711	+10% $695
Rent	-10% $621	-5% $674	+0% $726	+5% $779	+10% $832
Rate	-1.0pp $754	-0.5pp $740	base $726	+0.5pp $712	+1.0pp $698

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: $13,725
• Closing costs: $1,647
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-18
   days on market $54,900 Active 245 DOM
2. 2026-06-17
   days on market $54,900 Active 244 DOM
3. 2026-06-16
   days on market $54,900 Active 243 DOM
4. 2026-06-15
   days on market $54,900 Active 242 DOM
5. 2026-06-13
   days on market $54,900 Active 240 DOM
6. 2026-06-10
   days on market $54,900 Active 237 DOM
7. 2026-06-09
   days on market $54,900 Active 236 DOM
8. 2026-06-08
   days on market $54,900 Active 235 DOM
9. 2026-06-07
   days on market $54,900 Active 234 DOM
10. 2026-06-03
    days on market $54,900 Active 230 DOM
11. 2026-06-02
    days on market $54,900 Active 229 DOM
12. 2026-06-01
    days on market $54,900 Active 228 DOM
13. 2026-05-31
    days on market $54,900 Active 227 DOM
14. 2026-05-13
    price $54,900
15. 2026-04-14
    price $59,900
16. 2026-02-24
    price $69,900
17. 2025-10-16
    listed $79,900 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: $188 · $16/mo
• Projected year-2 tax: $225 · $19/mo
• Expected delta: +$38/yr (+$3/mo · 20.0%)

ⓘ 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 6/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 26% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,990
• − Mortgage interest: −$3,075
• − Property taxes: −$188
• − Insurance: −$274
• − Repairs & maintenance: −$1,279
• − Management: −$1,279
• − Depreciation: −$1,597
• Taxable income: $8,297
• Est. tax owed @ 24.0%: −$1,991
• After-tax cash flow: $6,724/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: St Clair County
• NCES district ID: 0103062
• Math proficiency: 21% ▼ -34.00%
• Reading proficiency: 52% ▬ 0.00%
• Median HH income: $53,324
• Composite: 31.79/100
• National rank: #5887
• State rank: #33 of 129 in AL

Livability — Ragland

• Score: 54/100
• State rank: #464
• US rank: #23993

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 3,161

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 6% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Slovak 2% Romanian 1% Lithuanian 1%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.33%
• Current HPI: 156.0204
• 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

-31.3% since first listed

4 events — show timeline

• 2026-05-13 Price Changed $54,900 Greater Alabama MLS
• 2026-04-14 Price Changed $59,900 Greater Alabama MLS
• 2026-02-24 Price Changed $69,900 Greater Alabama MLS
• 2025-10-16 Listed $79,900 Greater Alabama MLS

Property tax history

+2.0%/yr

Latest (2025): $188 · +2.0% YoY. Source: county tax records.