207 20th St, Pell City, AL 35125

3 bd · 1 ba · 1,318 sqft · built 1932 · Pell City · SINGLE_FAMILY·source listing ↗

$185,000

rent, three ways

OnePercent model (vv1)$1,968/mo

p10–p90 confidence band

HUD Fair Market Rent · 35125 · 3BR$1,430/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

St. Clair

Flood risk indexRelatively Moderate FEMA NRI

Median household income$59,891

Median area rent$925/mo

Median home value$183,100

the verdict

1.06%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$185,000

1.06% · rent $1,968

Intrinsic value · income approach

$236,335

22% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.