20057 Clover Field Ln · Summerdale, AL 36535

$247,335

4 bd · 2.0 ba · 1,413 sqft · SingleFamily · 9 Days on market

Built 2025 7,700 sqft lot $44/mo HOA · 2% of rent ↓ 1% since listing

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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 +20.4/30.0
• ARV discount +7.5/15.0
• DSCR +6.5/10.0
• 1% rule +5.6/10.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Brand new community in Summerdale! The Littleton floorplan offers 4 bedrooms and 2.5 baths with a HUGE walk-in closet in Owner's Suite and large Bonus area on second floor, at a very spacious 1,891 square feet. Features in the home include (but are not limited to) 2 car garage, beautiful open kitchen with upgraded quartz countertops, white shaker style cabinets, and stainless steel appliances. This spacious kitchen also features a pantry and large area for dining. Owner's Bath includes large walk-in shower just off the oversized bedroom. Second floor features an open loft perfect for a Game Room, Bonus Room, or Office. In addition, the second floor features 3 bedrooms and a large bathroom. Please note this home is under construction. Floorplan layout and elevation rendering in photos section are for reference only. Actual colors, finishes, options, and layout may vary. Information is deemed correct but buyer or buyer's agent to verify. Price subject to change without notice. Call today to schedule your tour and don't miss this chance to grab one of the first homes in this phase! Don't forget to inquire about current buyer incentives. Buyer to verify all information during due diligence.

Key facts

• 7,700 sq ft lot
• 2 garage spots
• Built 2025

🏗️ New construction. The $247,335 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $233,145.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $247k.

Deal economics

• At list price, monthly cash flow is $301 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $247k).
• Cap rate 7.8% vs local median 4.7% in Summerdale — 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 57/100 on livability (#384 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Baldwin County (rural): math 33% / reading 57% proficiency, ranked #18 of 129 in AL (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Summerdale School (math 23% / reading 55%, grade F, #257 of 627 statewide, top 41%, 573 students, 77% FRL); Elberta High School (math 32% / reading 37%, grade F, #47 of 305 statewide, top 17%, 784 students, 60% FRL) — zoned schools average 68% FRL vs 38% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.8%/yr); 875 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 3,883 units permitted in Baldwin County in 2024 (481 in 5+ unit buildings).
• This rent runs 45% of the median local income ($67k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Baldwin County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 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 $247,335

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 1.06% ✓
• Cap rate: 7.84%
• Cash-on-cash: 5.53%
• DSCR: 1.25
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $233,145
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
16118 Eden St	0.02mi	4/2.0	1,413 (0%)	4mo	$230,990	$163	96
16180 Eden St	0.08mi	3/2.0 (-1)	1,413 (0%)	1mo	$250,990	$178	91
19989 Clover Field Ln	0.04mi	3/2.0 (-1)	1,413 (0%)	5mo	$242,990	$172	89
19960 Clover Field Ln	0.02mi	3/2.0 (-1)	1,413 (0%)	6mo	$250,990	$178	89
20113 Clover Field Ln	0.02mi	3/2.0 (-1)	1,569 (+11%)	1mo	$259,490	$165	75
16068 Clover Field Ln	0.00mi	3/2.0 (-1)	1,569 (+11%)	4mo	$255,990	$163	73
16132 Eden St	0.03mi	3/2.0 (-1)	1,569 (+11%)	4mo	$254,273	$162	72
20037 Clover Field Ln	0.04mi	3/2.0 (-1)	1,569 (+11%)	4mo	$246,846	$157	72
16194 Eden St	0.09mi	3/2.0 (-1)	1,569 (+11%)	1mo	$259,490	$165	71
16212 Eden St	0.11mi	3/2.0 (-1)	1,569 (+11%)	1mo	$263,490	$168	71
19928 Clover Field Ln	0.03mi	3/2.0 (-1)	1,569 (+11%)	6mo	$274,990	$175	70
20045 Eden St	0.12mi	3/2.0 (-1)	1,569 (+11%)	3mo	$257,189	$164	69

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 · 1.81% rent growth · sell at horizon

5-year hold

• IRR: -9.1%
• Equity multiple: 0.67×
• Total profit: $-21,475
• Equity at exit: $34,763

10-year hold

• IRR: -1.3%
• Equity multiple: 0.92×
• Total profit: $-5,492
• Equity at exit: $20,158

Cash invested: $65,281 (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 36535

• Home prices YoY: -24.9%
• Rents YoY: 1.8%
• Active inventory: 875
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,476 high
• Mortgage (P&I): −$1,223
• Tax est. 1.5%: −$291 /mo · $3,497/yr
• Insurance: −$97
• HOA: −$44
• Vacancy / Maint / Mgmt: −$520
• Net cashflow: $301

Break-even live

Break-even rent $2,095

Max offer price $233,145

Occupancy floor 83%

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: $58,286
• Closing costs: $6,994
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14843 Dayton Cir Foley, AL	4.0	2.0	1791	$2,400	$1.34	13d	1	1.33mi
14654 Dayton Cir Foley, AL	4.0	2.0	1791	$2,300	$1.28	21d	1	1.34mi
14836 Dayton Cir Foley, AL	4.0	2.0	1791	$2,400	$1.34	21d	1	1.34mi
14746 Dayton Cir Foley, AL	4.0	2.0	1800	$2,300	$1.28	43d	1	1.40mi
15293 Troon Dr Foley, AL	3.0	2.0	1560	$2,600	$1.67	13d	1	1.48mi

HOA detail

• Monthly dues: $44 · $528/yr

Listing history 5 events

1. 2026-03-07
   status Pending
2. 2026-02-26
   listed $247,335 Active
3. 2026-02-19
   status Pending 1205-char remark

   Show marketing remark (1205 chars)

   Brand new community in Summerdale! The Littleton floorplan offers 4 bedrooms and 2.5 baths with a HUGE walk-in closet in Owner's Suite and large Bonus area on second floor, at a very spacious 1,891 square feet. Features in the home include (but are not limited to) 2 car garage, beautiful open kitchen with upgraded quartz countertops, white shaker style cabinets, and stainless steel appliances. This spacious kitchen also features a pantry and large area for dining. Owner's Bath includes large walk-in shower just off the oversized bedroom. Second floor features an open loft perfect for a Game Room, Bonus Room, or Office. In addition, the second floor features 3 bedrooms and a large bathroom. Please note this home is under construction. Floorplan layout and elevation rendering in photos section are for reference only. Actual colors, finishes, options, and layout may vary. Information is deemed correct but buyer or buyer's agent to verify. Price subject to change without notice. Call today to schedule your tour and don't miss this chance to grab one of the first homes in this phase! Don't forget to inquire about current buyer incentives. Buyer to verify all information during due diligence.

4. 2026-02-17
   price $260,990 1205-char remark

   Show marketing remark (1205 chars)

   Brand new community in Summerdale! The Littleton floorplan offers 4 bedrooms and 2.5 baths with a HUGE walk-in closet in Owner's Suite and large Bonus area on second floor, at a very spacious 1,891 square feet. Features in the home include (but are not limited to) 2 car garage, beautiful open kitchen with upgraded quartz countertops, white shaker style cabinets, and stainless steel appliances. This spacious kitchen also features a pantry and large area for dining. Owner's Bath includes large walk-in shower just off the oversized bedroom. Second floor features an open loft perfect for a Game Room, Bonus Room, or Office. In addition, the second floor features 3 bedrooms and a large bathroom. Please note this home is under construction. Floorplan layout and elevation rendering in photos section are for reference only. Actual colors, finishes, options, and layout may vary. Information is deemed correct but buyer or buyer's agent to verify. Price subject to change without notice. Call today to schedule your tour and don't miss this chance to grab one of the first homes in this phase! Don't forget to inquire about current buyer incentives. Buyer to verify all information during due diligence.

5. 2026-02-08
   listed $250,990 Active 1205-char remark

   Show marketing remark (1205 chars)

   Brand new community in Summerdale! The Littleton floorplan offers 4 bedrooms and 2.5 baths with a HUGE walk-in closet in Owner's Suite and large Bonus area on second floor, at a very spacious 1,891 square feet. Features in the home include (but are not limited to) 2 car garage, beautiful open kitchen with upgraded quartz countertops, white shaker style cabinets, and stainless steel appliances. This spacious kitchen also features a pantry and large area for dining. Owner's Bath includes large walk-in shower just off the oversized bedroom. Second floor features an open loft perfect for a Game Room, Bonus Room, or Office. In addition, the second floor features 3 bedrooms and a large bathroom. Please note this home is under construction. Floorplan layout and elevation rendering in photos section are for reference only. Actual colors, finishes, options, and layout may vary. Information is deemed correct but buyer or buyer's agent to verify. Price subject to change without notice. Call today to schedule your tour and don't miss this chance to grab one of the first homes in this phase! Don't forget to inquire about current buyer incentives. Buyer to verify all information during due diligence.

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

Taxation est. · year 1

• Rental income: $29,715
• − Mortgage interest: −$13,060
• − Property taxes: −$3,497
• − Insurance: −$1,166
• − Repairs & maintenance: −$2,377
• − Management: −$2,377
• − HOA: −$528
• − Depreciation: −$6,782
• Taxable loss: −$73
• Est. tax savings @ 24.0%: +$17
• After-tax cash flow: $3,629/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: Baldwin County
• NCES district ID: 0100270
• Math proficiency: 33% ▼ -26.00%
• Reading proficiency: 57% ▲ 1.00%
• Median HH income: $50,677
• Composite: 38.61/100
• National rank: #4157
• State rank: #18 of 129 in AL

Livability — Summerdale

• Score: 57/100
• State rank: #384
• US rank: #21872

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Summerdale, AL
• County: Baldwin County · 181,514 people
• City population: 7,025
• Metro: Daphne-Fairhope-Foley, AL
• Population (ZIP): 40,628
• Household income: $66,714
• Rent vs Own: 22.6% rent · 77.4% own
• Severe rent burden: 803.0

Population outlook (Baldwin County) Hauer SSP2

• Today (2025): 248,264 people
• By 2030: 270,315 · +8.9%
• By 2040: 312,967 · +26.1%
• By 2050: 352,262 · +41.9%
• By 2075: 438,841 · +76.8%
• By 2100: 487,736 · +96.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 10% Two or more races 8% Black 5% Asian 2%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 1%
• Foreign-born: 6% · Canada, China
• Languages at home: 89% English-only · Spanish 7% Other Indo-European 2% Chinese 1%

Political lean MEDSL · Baldwin

• 2024 margin: Solid R (+58.2) · D 20.5% · R 78.7%
• 2008→2024 swing: -6.7pp toward R · 2008: -51.5pp · 2024: -58.2pp
• All cycles: 2024: R+58.2 2020: R+53.8 2016: R+57.8 2012: R+55.8 2008: R+51.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -86.82%
• Current HPI: 262.2796
• Rent YoY: ▲ 1.81%
• Metro: Daphne-Fairhope-Foley, 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

-1.5% since first listed

5 events — show timeline

• 2026-03-07 Pending — BCAR
• 2026-02-26 Listed $247,335 BCAR
• 2026-02-19 Pending — BCAR
• 2026-02-17 Price Changed $260,990 BCAR
• 2026-02-08 Listed $250,990 BCAR