100-County Underwriting Atlas › Alabama › Madison County (Huntsville)

Madison County (Huntsville), AL Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Madison County (Huntsville) PITIA Escrow Takeaway): In Madison County (Huntsville), Alabama, 1–4 unit investment properties carry an effective property tax rate of 0.48% ($134/mo on a $335,000 median acquisition) and landlord hazard/windstorm insurance averaging $590/yr per $100K ($165/mo), resulting in a combined monthly T&I escrow of $299/mo against a median Form 1007 rent of $2,400/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Madison County (Huntsville) are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.48% ($134/mo)

Landlord Ins. / $100K

$590/yr ($165/mo)

1–4u Price / 75% Loan

$335,000 / $251,250

Form 1007 Median Rent

$2,400/mo

Madison County (Huntsville) Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Statutory county assessor periodic revaluation; underwriters use post-acquisition projected tax bill (typically 85%–100% of purchase price × county millage rate).
2. Hazard, Windstorm & Catastrophe Insurance Tier: Redstone Arsenal Aerospace/Defense Growth Hub
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Madison County (Huntsville), AL DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Madison County (Huntsville) Term Sheet →Alabama State Hub AL Market Report AL Deal Team