721 14th Ave NW · Birmingham, AL 35215

$114,900

3 bd · 2.0 ba · 1,146 sqft · SingleFamily public records · 93 Days on market

Built 1981 0.37 ac lot Est $101k · 14% over

---

Why this score? — see what drove the D+ 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 +24.4/30.0
• DSCR +7.9/10.0
• 1% rule +6.1/10.0
• Livability +3.4/5.0
• Rent growth +3.3/5.0
• Condition / age +2.5/5.0
• ARV discount +1.2/15.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

QUIET NEIGHBORHOOD. Bond with family & entertain friends while enjoying NATURAL lighting and freshly painted NEUTRAL colors. Plenty of space for whole family to spread out with 3 bedrooms and 2 full baths. Chill out on your spacious deck while overlooking large yard surrounded by tall natural landscaping. Conveniently located to restaurants, shopping, interstate access and more. This home is the perfect combination of space, location & price!

Key facts

• Natural light
• Back deck
• Corner lot

Tags

• NATURAL LIGHT
• SEPARATE LAUNDRY ROOM
• CORNER LOT
• BACK DECK

Property features AI

Finance

• Other: Lot size approximately 0.37 acres; Subdivision: QUEENSBURY EAST
• Financial info: Has down payment assistance available; Fire fee of $350 yearly; Garbage fee of $50 quarterly

Exterior

• Parking: Driveway parking
• Utilities: Public water; Connected sewer; Internet service available; Electric water heater
• Home design: Existing home; One-story layout (all listed rooms on main level)
• Construction: Concrete/block and wood siding construction; Crawl space foundation
• Exterior features: Open deck; No pool; No patio; No garden/patio; Not waterfront

Interior

• Kitchen: Laminate countertops; Refrigerator included
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level
• Flooring: Hardwood; Laminate
• Bathrooms: Two full bathrooms; Master bath on main level; Tub/shower combo; Linen closet
• Heating & cooling: Central heating; Central cooling; Electric water heater
• Interior features: Ceilings: other (see remarks); No additional interior features listed
• Laundry & utility: Laundry room on main level; Washer hookup; Electric dryer hookup; Has laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $233 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $105k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.7% vs local median 6.2% in Birmingham — 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 67/100 on livability (#78 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-, crime F, employment F.
• Birmingham City (urban): math 4% / reading 20% proficiency, ranked #116 of 129 in AL (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Huffman Academy (math 0% / reading 17%, grade F, #594 of 627 statewide, top 95%, 735 students, 79% FRL); Huffman High Schoolmagnet (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 1,147 students, 72% FRL).
• Market conditions: Rents rising (+3.0%/yr); 334 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $794 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 12y ago; this cycle's ask has dropped $15k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $104,559 (9.0% below list)

Questions for the listing agent

1. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 1.11% ✓
• Cap rate: 8.73%
• Cash-on-cash: 8.69%
• DSCR: 1.39
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $100,848
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1240 Lynn Acres Dr	0.25mi	3/1.5	1,224 (+7%)	6mo	$168,000	$137	70
1209 Rose Lynn Ln	0.37mi	3/1.0	1,080 (-6%)	0mo	$150,000	$139	69
1360 5th Pl NW	0.47mi	3/1.0	1,220 (+6%)	1mo	$92,500	$76	62
1317 5th Pl NW	0.52mi	3/1.0	1,086 (-5%)	1mo	$92,500	$85	62
421 Wedgeworth Rd	0.59mi	3/1.5	1,092 (-5%)	2mo	$116,400	$107	61
424 13th Ct NW	0.68mi	3/1.0	1,118 (-2%)	1mo	$92,500	$83	59
308 13th Ave NW	0.68mi	3/1.0	1,144 (-0%)	7mo	$87,500	$76	58
217 Killough Dr	0.63mi	3/2.0	1,212 (+6%)	5mo	$100,000	$83	57
1128 Cardwell Ln	0.53mi	3/1.0	1,225 (+7%)	4mo	$93,500	$76	56
512 16th Ter NW	0.72mi	3/2.0	1,225 (+7%)	1mo	$183,000	$149	55
409 13th Ct NW	0.74mi	3/1.5	1,118 (-2%)	6mo	$98,672	$88	54
536 16th Ter NW	0.66mi	3/2.0	1,225 (+7%)	7mo	$155,000	$127	52

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 · 3.04% rent growth · sell at horizon

5-year hold

• IRR: -3.1%
• Equity multiple: 0.88×
• Total profit: $-3,725
• Equity at exit: $17,132

10-year hold

• IRR: 6.7%
• Equity multiple: 1.50×
• Total profit: $16,094
• Equity at exit: $9,934

Cash invested: $32,172 (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 35215

• Home prices YoY: -34.4%
• Rents YoY: 3.0%
• Active inventory: 334
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,271 high
• Mortgage (P&I): −$603
• Tax from tax record: −$121 /mo · $1,453/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $233

Break-even live

Break-even rent $977

Max offer price $114,900

Occupancy floor 77%

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: $28,725
• Closing costs: $3,447
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
769 15th Ct NW Birmingham, AL	3.0	1.5	1130	$1,310	$1.16	12d	1	0.23mi
621 15th Ave NW Birmingham, AL	4.0	2.0	1070	$1,200	$1.12	16d	1	0.27mi
1356 5th Pl NW Center Point, AL	3.0	1.0	1064	$1,105	$1.04	44d	1	0.46mi
1328 5th Pl NW Center Point, AL	3.0	1.0	1250	$1,050	$0.84	16d	1	0.48mi
500 15th Ave NW Center Point, AL	3.0	1.0	1079	$1,050	$0.97	3d	1	0.48mi
1333 5th Pl NW Center Point, AL	3.0	2.0	1056	$1,275	$1.21	44d	1	0.50mi
1305 5th Pl NW Center Point, AL	3.0	2.0	1092	$1,200	$1.10	44d	1	0.52mi
1301 5th Pl NW Center Point, AL	3.0	1.0	1170	$1,100	$0.94	3d	1	0.53mi
1612 Glenwood St NW Center Point, AL	4.0	3.0	1344	$1,480	$1.10	24d	1	0.55mi
400 13th Ave NW Birmingham, AL	2.0	1.0	1100	$890	$0.81	44d	1	0.56mi
217 Killough Dr Birmingham, AL	3.0	2.0	1212	$1,200	$0.99	15d	1	0.61mi
1232 Oakwood St Birmingham, AL	3.0	1.5	1301	$1,223	$0.94	24d	1	0.65mi
434 15th Ter NW Center Point, AL	3.0	2.0	1053	$1,200	$1.14	44d	1	0.70mi
1225 Birchwood St Birmingham, AL	3.0	2.0	1092	$1,175	$1.08	3d	1	0.74mi
324 13th Ter NW Center Point, AL	3.0	1.5	1418	$1,295	$0.91	24d	1	0.74mi
405 13th Ct NW Center Point, AL	4.0	1.5	1248	$1,415	$1.13	21d	1	0.74mi
1732 6th St NW Center Point, AL	3.0	1.5	1300	$1,250	$0.96	3d	1	0.78mi
1237 Linwood St Birmingham, AL	3.0	1.5	1066	$995	$0.93	44d	1	0.78mi
433 Orchid Rd Birmingham, AL	3.0	1.0	1162	$1,255	$1.08	16d	1	0.78mi
241 Mamie Ln Birmingham, AL	3.0	2.0	1242	$1,495	$1.20	3d	1	0.84mi
1153 Linwood St Birmingham, AL	3.0	2.0	1250	$1,295	$1.04	3d	1	0.84mi
1801 Carson Rd Unit 2 Birmingham, AL	2.0	1.0	800	$600	$0.75	10d	1	0.87mi
1112 Violet Dr Birmingham, AL	3.0	2.0	1414	$1,600	$1.13	12d	1	0.90mi
1700 4th Pl NW Center Point, AL	3.0	1.0	914	$1,075	$1.18	24d	1	0.91mi
1821 Carson Rd Unit 2 Birmingham, AL	2.0	1.5	800	$765	$0.96	44d	1	0.91mi
1617 3rd Pl NW Center Point, AL	3.0	2.0	1404	$1,150	$0.82	24d	1	0.91mi
1821 Carson Rd Unit 3 Birmingham, AL	2.0	1.5	800	$580	$0.72	21d	1	0.91mi
1712 4th Pl NW Center Point, AL	3.0	1.0	1182	$1,150	$0.97	24d	1	0.92mi
108 13th Ave NW Center Point, AL	4.0	2.0	1444	$1,265	$0.88	24d	1	0.93mi
1827 Carson Rd Unit 7 Birmingham, AL	3.0	2.5	1332	$950	$0.71	24d	1	0.94mi
1827 Carson Rd Unit 1 Birmingham, AL	3.0	2.5	1332	$1,125	$0.84	44d	1	0.94mi
848 Old Trail Rd Birmingham, AL	2.0	1.5	930	$925	$0.99	24d	1	0.98mi
120 Shawnee Ln NW Birmingham, AL	3.0	1.0	1120	$1,075	$0.96	44d	1	0.99mi
208 Sam Pate Dr Birmingham, AL	3.0	2.0	988	$1,385	$1.40	2d	1	1.05mi
405 18th Ave NW Center Point, AL	3.0	2.0	1162	$1,299	$1.12	44d	1	1.08mi
46 Sunscape Dr Birmingham, AL	4.0	2.0	1178	$1,450	$1.23	44d	1	1.13mi
40 Sunscape Dr Birmingham, AL	3.0	2.0	1283	$1,555	$1.21	2d	1	1.16mi
520 Camellia Rd Birmingham, AL	3.0	1.0	1053	$1,100	$1.04	3d	1	1.18mi
1208 Americana Dr Birmingham, AL	3.0	2.0	1104	$1,631	$1.48	12d	1	1.20mi
957 Hickory Cir Birmingham, AL	3.0	2.0	1364	$1,195	$0.88	3d	1	1.21mi

Listing history 35 events

1. 2026-06-18
   days on market $114,900 Active 93 DOM
2. 2026-06-17
   days on market $114,900 Active 92 DOM
3. 2026-06-16
   statusdays on market $114,900 Active 91 DOM
4. 2026-06-15
   days on market $114,900 Contingent 90 DOM
5. 2026-06-13
   days on market $114,900 Contingent 88 DOM
6. 2026-06-10
   statusdays on market $114,900 Contingent 85 DOM
7. 2026-06-09
   days on market $114,900 Active 84 DOM
8. 2026-06-08
   days on market $114,900 Active 83 DOM
9. 2026-06-07
   days on market $114,900 Active 82 DOM
10. 2026-06-03
    days on market $114,900 Active 78 DOM
11. 2026-06-02
    pricedays on market $114,900 Active 77 DOM
12. 2026-06-01
    days on market $119,900 Active 76 DOM
13. 2026-05-31
    days on market $119,900 Active 75 DOM
14. 2026-05-21
    status Active
15. 2026-04-24
    historical Contingent
16. 2026-04-16
    price $119,900
17. 2026-04-07
    price $124,900
18. 2026-03-17
    listed $129,900 Active
19. 2024-06-15
    historical $1,250
20. 2024-06-01
    price $1,250
21. 2024-04-10
    price $1,280
22. 2024-03-29
    price $1,330
23. 2024-03-22
    listed $1,425
24. 2024-02-15
    historical
25. 2024-02-09
    listed
26. 2021-11-01
    soldstatus $130,000
27. 2021-10-29
    soldstatus $130,000 Sold 458-char remark

    Show marketing remark (458 chars)

    QUIET NEIGHBORHOOD. Bond with family & entertain friends while enjoying NATURAL lighting and freshly painted NEUTRAL colors. Plenty of space for whole family to spread out with 3 bedrooms and 2 full baths. Chill out on your spacious deck while overlooking large yard surrounded by tall natural landscaping. Conveniently located to restaurants, shopping, interstate access and more. This home is the perfect combination of space, location & price!

28. 2021-10-12
    historical 458-char remark

    Show marketing remark (458 chars)

    QUIET NEIGHBORHOOD. Bond with family & entertain friends while enjoying NATURAL lighting and freshly painted NEUTRAL colors. Plenty of space for whole family to spread out with 3 bedrooms and 2 full baths. Chill out on your spacious deck while overlooking large yard surrounded by tall natural landscaping. Conveniently located to restaurants, shopping, interstate access and more. This home is the perfect combination of space, location & price!

29. 2021-10-08
    listed $130,000 Active 458-char remark

    Show marketing remark (458 chars)

    QUIET NEIGHBORHOOD. Bond with family & entertain friends while enjoying NATURAL lighting and freshly painted NEUTRAL colors. Plenty of space for whole family to spread out with 3 bedrooms and 2 full baths. Chill out on your spacious deck while overlooking large yard surrounded by tall natural landscaping. Conveniently located to restaurants, shopping, interstate access and more. This home is the perfect combination of space, location & price!

30. 2021-10-06
    historical $130,000 458-char remark

    Show marketing remark (458 chars)

    QUIET NEIGHBORHOOD. Bond with family & entertain friends while enjoying NATURAL lighting and freshly painted NEUTRAL colors. Plenty of space for whole family to spread out with 3 bedrooms and 2 full baths. Chill out on your spacious deck while overlooking large yard surrounded by tall natural landscaping. Conveniently located to restaurants, shopping, interstate access and more. This home is the perfect combination of space, location & price!

31. 2015-10-15
    soldstatus $69,200
32. 2014-12-31
    soldstatus $33,597 159-char remark

    Show marketing remark (159 chars)

    IF YOU ARE LOOKING FOR A NICE STARTER HOME WITH GREAT POTENTIAL, THIS IS IT! THIS HOME HAS 3 BEDROOMS AND 2 BATHROOMS. HURRY! THIS PROPERTY WILL NOT LAST LONG.

33. 2014-10-28
    listed $38,000 159-char remark

    Show marketing remark (159 chars)

    IF YOU ARE LOOKING FOR A NICE STARTER HOME WITH GREAT POTENTIAL, THIS IS IT! THIS HOME HAS 3 BEDROOMS AND 2 BATHROOMS. HURRY! THIS PROPERTY WILL NOT LAST LONG.

34. 1994-07-20
    soldstatus $53,500
35. 1983-12-29
    soldstatus $39,433

ⓘ 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: $1,453 · $121/mo
• Projected year-2 tax: $1,453 · $121/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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,258
• − Mortgage interest: −$6,436
• − Property taxes: −$1,453
• − Insurance: −$574
• − Repairs & maintenance: −$1,221
• − Management: −$1,221
• − Depreciation: −$3,343
• Taxable income: $1,010
• Est. tax owed @ 24.0%: −$242
• After-tax cash flow: $2,553/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: Birmingham City
• NCES district ID: 0100390
• Math proficiency: 4% ▼ -17.00%
• Reading proficiency: 20% ▼ -4.00%
• Median HH income: $31,988
• Composite: 9.49/100
• National rank: #9850
• State rank: #116 of 129 in AL

Livability — Birmingham

• Score: 67/100
• State rank: #78
• US rank: #10412

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Birmingham, AL
• County: Jefferson County · 527,445 people
• City population: 43,903
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 43,903
• Household income: $52,793
• Rent vs Own: 43.4% rent · 56.6% own
• Severe rent burden: 1729.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 669,185 people
• By 2030: 669,694 · +0.1%
• By 2040: 661,388 · -1.2%
• By 2050: 643,086 · -3.9%
• By 2075: 577,267 · -13.7%
• By 2100: 474,758 · -29.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (75%)
• Race & ethnicity: Black 75% White 15% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Lithuanian 1% Italian 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Jefferson

• 2024 margin: D (+10.4) · D 54.6% · R 44.2% · Other 1.2%
• 2008→2024 swing: +5.4pp toward D · 2008: 5.1pp · 2024: 10.4pp
• All cycles: 2024: D+10.4 2020: D+13.2 2016: D+7.2 2012: D+6.0 2008: D+5.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -112.97%
• Current HPI: 215.0607
• Rent YoY: ▲ 3.04%
• Metro: Birmingham-Hoover, 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

+204.1% since first listed

22 events — show timeline

• 2026-05-21 Relisted — Greater Alabama MLS
• 2026-04-24 Contingent — Greater Alabama MLS
• 2026-04-16 Price Changed $119,900 Greater Alabama MLS
• 2026-04-07 Price Changed $124,900 Greater Alabama MLS
• 2026-03-17 Listed $129,900 Greater Alabama MLS
• 2024-06-15 Rental Removed $1,250 RENTLY
• 2024-06-01 Price Changed $1,250 RENTLY
• 2024-04-10 Price Changed $1,280 RENTLY
• 2024-03-29 Price Changed $1,330 RENTLY
• 2024-03-22 Listed for Rent $1,425 RENTLY
• 2024-02-15 Rental Removed — RENTLY
• 2024-02-09 Listed for Rent — RENTLY
• 2021-11-01 Sold (Public Records) $130,000 Public Records
• 2021-10-29 Sold (MLS) $130,000 Greater Alabama MLS
• 2021-10-12 Delisted — Greater Alabama MLS
• 2021-10-08 Listed $130,000 Greater Alabama MLS
• 2021-10-06 Coming Soon $130,000 Greater Alabama MLS
• 2015-10-15 Sold (Public Records) $69,200 Public Records
• 2014-12-31 Sold (MLS) $33,597 Greater Alabama MLS
• 2014-10-28 Listed $38,000 Greater Alabama MLS
• 1994-07-20 Sold (Public Records) $53,500 Public Records
• 1983-12-29 Sold (Public Records) $39,433 Public Records

Property tax history

+12.6%/yr

Latest (2025): $1,453 · +0.0% YoY. Source: county tax records.