107 Wellington St · Valley, AL 36854

$125,000

2 bd · 1.0 ba · 1,264 sqft · SingleFamily public records · 59 Days on market

Built 1923 871 sqft lot $99/sqft · 13% below area Est $134k · 7% under

---

Why this score? — see what drove the C 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 +25.1/30.0
• ARV discount +10.6/15.0
• DSCR +8.2/10.0
• 1% rule +5.4/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Come see this spacious two bedroom home. When you first enter the home you notice hardwood throughout. As you walk through you notice two spacious rooms and a kitchen that features white cabinets. All the appliances in the home are included. This house has a separate laundry room and a bath. This home sits on a corner lot and has a detached carport. The home is walking distance to the elementary school and not far from the grocery store. Call me today for your private showing

Key facts

• Detached carport
• Hardwood throughout
• Corner lot

Tags

• HARDWOOD THROUGHOUT
• SEPARATE LAUNDRY ROOM
• CORNER LOT
• DETACHED CARPORT
• NOT FAR FROM GROCERY STORE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $275 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $121k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.9% vs local median 2.9% in Valley — 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 66/100 on livability (#96 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B; Watch: schools F, crime F, amenities F.
• Chambers County (town): math 10% / reading 37% proficiency, ranked #101 of 129 in AL (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 151 active listings in the ZIP; 43 units permitted in Chambers County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Chambers County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 59 days — a 3% lower offer ($121k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y 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 $64k; list at $125k implies a 95% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1923 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 64% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $121,250 (3.0% below list)

Questions for the listing agent

1. It's been on market 59 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1923 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.04% ✓
• Cap rate: 8.94%
• Cash-on-cash: 9.44%
• DSCR: 1.42
• GRM: 8.0

CMA / ARV

• ARV (median comp): $134,361
• List price: $125,000
• Delta: -6.97%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
302 Denson St	0.10mi	2/2.0	1,280 (+1%)	5mo	$116,000	$91	85
105 Birch St	0.20mi	3/1.5 (+1)	1,248 (-1%)	3mo	$203,000	$163	79
405 Bailey St	0.09mi	2/1.5	1,176 (-7%)	9mo	$99,500	$85	74
308 Combs St	0.37mi	2/1.0	1,216 (-4%)	3mo	$150,000	$123	74
107 Maple St	0.55mi	1/1.0 (-1)	1,204 (-5%)	4mo	$97,000	$81	58
502 Francis St	0.66mi	3/1.0 (+1)	1,296 (+2%)	4mo	$173,000	$133	57
304 Combs St	0.39mi	3/2.0 (+1)	1,320 (+4%)	17mo	$220,000	$167	51
401 Crestview Ln	0.40mi	3/1.5 (+1)	1,436 (+14%)	7mo	$175,000	$122	45
116 Patton Hl	0.67mi	3/1.0 (+1)	1,302 (+3%)	18mo	$40,000	$31	44
805 Spring St	0.71mi	2/1.0	1,340 (+6%)	16mo	$115,000	$86	43
519 Francis St	0.71mi	3/2.0 (+1)	1,324 (+5%)	13mo	$166,100	$125	39
110 Church St	0.72mi	2/1.5	1,374 (+9%)	15mo	$117,500	$86	38

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: -2.1%
• Equity multiple: 0.92×
• Total profit: $-2,768
• Equity at exit: $18,638

10-year hold

• IRR: 7.6%
• Equity multiple: 1.57×
• Total profit: $19,975
• Equity at exit: $10,808

Cash invested: $35,000 (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 36854

• Active inventory: 151
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,303 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$46 /mo · $556/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$274
• Net cashflow: $275

Break-even live

Break-even rent $954

Max offer price $125,000

Occupancy floor 74%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 9 events

1. 2026-06-02
   days on market $125,000 Active 59 DOM
2. 2026-06-01
   days on market $125,000 Active 58 DOM
3. 2026-05-31
   days on market $125,000 Active 57 DOM
4. 2026-05-30
   days on market $125,000 Active 56 DOM
5. 2026-04-04
   listed $127,000 Active 480-char remark

   Show marketing remark (480 chars)

   Come see this spacious two bedroom home. When you first enter the home you notice hardwood throughout. As you walk through you notice two spacious rooms and a kitchen that features white cabinets. All the appliances in the home are included. This house has a separate laundry room and a bath. This home sits on a corner lot and has a detached carport. The home is walking distance to the elementary school and not far from the grocery store. Call me today for your private showing

6. 2019-05-15
   soldstatus $64,000 337-char remark

   Show marketing remark (337 chars)

   Come view this nice home in the Fairfax Mill Village area. This home features beautiful hardwood flooring throughout the house. The kitchen is updated with white cabinets and ornate backsplash. The home also features 2 large bedrooms, an updated bathroom, pantry/utility closet off the kitchen. A must see. Call for your private showing.

7. 2019-05-15
   soldstatus $64,000

   Show marketing remark (337 chars)

   Come view this nice home in the Fairfax Mill Village area. This home features beautiful hardwood flooring throughout the house. The kitchen is updated with white cabinets and ornate backsplash. The home also features 2 large bedrooms, an updated bathroom, pantry/utility closet off the kitchen. A must see. Call for your private showing.

8. 2019-01-31
   listed $69,900 337-char remark

   Show marketing remark (337 chars)

   Come view this nice home in the Fairfax Mill Village area. This home features beautiful hardwood flooring throughout the house. The kitchen is updated with white cabinets and ornate backsplash. The home also features 2 large bedrooms, an updated bathroom, pantry/utility closet off the kitchen. A must see. Call for your private showing.

9. 2019-01-30
   listed $69,900

ⓘ 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: $556 · $46/mo
• Projected year-2 tax: $556 · $46/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 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 64% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,634
• − Mortgage interest: −$7,002
• − Property taxes: −$556
• − Insurance: −$625
• − Repairs & maintenance: −$1,251
• − Management: −$1,251
• − Depreciation: −$3,636
• Taxable income: $1,313
• Est. tax owed @ 24.0%: −$315
• After-tax cash flow: $2,989/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: Chambers County
• NCES district ID: 0100600
• Math proficiency: 10% ▼ -26.00%
• Reading proficiency: 37% ▼ -1.00%
• Median HH income: $36,011
• Composite: 19.37/100
• National rank: #8785
• State rank: #101 of 129 in AL

Livability — Valley

• Score: 66/100
• State rank: #96
• US rank: #11347

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Valley, AL
• Population (ZIP): 15,913

Population outlook (Chambers County) Hauer SSP2

• Today (2025): 33,868 people
• By 2030: 33,504 · -1.1%
• By 2040: 32,594 · -3.8%
• By 2050: 31,422 · -7.2%
• By 2075: 29,054 · -14.2%
• By 2100: 25,431 · -24.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (67%)
• Race & ethnicity: White 67% Black 28% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Slovak 2% Italian 1% Serbian 1%
• Foreign-born: 3% · Canada, South Korea
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1% Korean 1%

Political lean MEDSL · Chambers

• 2024 margin: Strong R (+23.2) · D 38.0% · R 61.2%
• 2008→2024 swing: -14.8pp toward R · 2008: -8.5pp · 2024: -23.2pp
• All cycles: 2024: R+23.2 2020: R+15.6 2016: R+14.8 2012: R+5.1 2008: R+8.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -149.05%
• Current HPI: 186.0298
• 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

+81.7% since first listed

5 events — show timeline

• 2026-04-04 Listed $127,000 LCMLS
• 2019-05-15 Sold (MLS) $64,000 GAMLS
• 2019-05-15 Sold (MLS) $64,000 LCMLS
• 2019-01-31 Listed $69,900 LCMLS
• 2019-01-30 Listed $69,900 GAMLS

Property tax history

+13.2%/yr

Latest (2025): $556 · +6.9% YoY. Source: county tax records.