102 Lakeland Ave · Hueytown, AL 35023

$125,000

2 bd · 1.0 ba · 853 sqft · SingleFamily public records · 4 Days on market

Built 1959 0.25 ac lot Est $86k · 45% over

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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 +18.9/30.0
• DSCR +6.0/10.0
• Appreciation +4.7/10.0
• 1% rule +3.8/10.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• ARV discount +0.0/15.0

Listing remarks

ONE LEVEL BRICK CONVENIENT TO SHOPPING, INTERSTATES, AND BIRMINGHAM. TWO BEDROOMS AND ONE FULL BATH. LARGE EAT IN KITCHEN PLUS AND EXTRA LOT TO THE RIGHT OF HOUSE.

Key facts

• Extra lot
• Large eat in kitchen
• One level brick

Tags

• ONE LEVEL BRICK
• LARGE EAT IN KITCHEN
• EXTRA LOT

Property features AI

Finance

• Other: Parcel ID: 30-00-29-3-014-002.000
• Financial info: Quarterly garbage fee applies
• HOA & community: No association fee

Exterior

• Parking: Driveway parking; Off-street parking; Parking on main level
• Utilities: Public water; Connected sewer; Gas water heater; Internet service available (Charter)
• Home design: Existing home; 4-sided brick construction; Crawl space foundation
• Construction: 4-sided brick exterior; Crawl space foundation
• Exterior features: Porch; Open deck; Some trees on lot; Subdivision setting; City view

Interior

• Kitchen: Laminate countertops; Electric oven; Electric stove; Eating area
• Bedrooms: Master bedroom on main level; Additional bedroom on main level
• Flooring: Carpet; Tile; Vinyl
• Bathrooms: One full bathroom with tub/shower combination
• Heating & cooling: Central heating (forced air); Central electric cooling
• Interior features: Smooth ceilings; Loft; Split bedroom layout; Some window treatments to remain; Eating area in kitchen; Attic present
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

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 $128 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $110k (12.0% below list).
• Recommended offer: $110k (12.0% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 5.9% in Hueytown — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities F.
• Jefferson County (suburban): math 9% / reading 32% proficiency, ranked #104 of 129 in AL (top 81%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Brighton School (math 5% / reading 15%, grade F, #566 of 627 statewide, top 90%, 365 students, 89% FRL); Hueytown High School (math 7% / reading 20%, grade F, #235 of 305 statewide, top 77%, 1,210 students, 79% FRL) — zoned schools average 84% FRL vs 49% district-wide (35 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 255 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $114 of equity ($864 loan paydown + $-750 appreciation (-0.6% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $32k; list at $125k implies a 297% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• 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 $110,052 (12.0% below list)

Questions for the listing agent

1. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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. 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?
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: 0.88% ✗
• Cap rate: 7.53%
• Cash-on-cash: 4.40%
• DSCR: 1.20
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $86,153
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
116 Ivy Ave	0.25mi	2/1.0	851 (-0%)	4mo	$80,000	$94	85
122 June Ave	0.20mi	2/1.0	866 (+2%)	8mo	$63,000	$73	82
207 June Ave	0.21mi	2/1.0	851 (-0%)	12mo	$130,000	$153	79
405 Wickstead Rd	0.58mi	2/1.0	864 (+1%)	23mo	$140,000	$162	51
2838 Brooklane Dr	0.36mi	3/2.0 (+1)	975 (+14%)	8mo	$98,150	$101	44
2822 Brooklane Dr	0.42mi	3/1.0 (+1)	975 (+14%)	12mo	$97,000	$99	42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold

• IRR: -0.3%
• Equity multiple: 0.98×
• Total profit: $-548
• Equity at exit: $32,591

10-year hold

• IRR: 4.8%
• Equity multiple: 1.47×
• Total profit: $16,284
• Equity at exit: $36,329

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 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 255
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,101 high
• Mortgage (P&I): −$656
• Tax from tax record: −$33 /mo · $401/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $128

Break-even live

Break-even rent $938

Max offer price $125,000

Occupancy floor 83%

Sensitivity live

Price	-10% $199	-5% $164	+0% $128	+5% $93	+10% $58
Rent	-10% $41	-5% $85	+0% $128	+5% $172	+10% $215
Rate	-1.0pp $191	-0.5pp $160	base $128	+0.5pp $96	+1.0pp $63

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: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
119 Lakeland Ave Bessemer, AL	3.0	1.0	1042	$1,125	$1.08	25d	1	0.07mi
2822 Brooklane Dr Bessemer, AL	2.0	1.0	975	$1,000	$1.03	45d	1	0.42mi
309 Sunrise Blvd Bessemer, AL	2.0	1.0	1105	$1,160	$1.05	13d	1	0.67mi
2423 Circle Dr Bessemer, AL	2.0	1.0	732	$1,050	$1.43	45d	1	0.89mi
110 Ray Ave Apt 7 Hueytown, AL	2.0	2.0	900	$875	$0.97	5d	1	1.03mi
116 Vail Ave Bessemer, AL	2.0	1.0	1008	$975	$0.97	21d	1	1.23mi
2020 High School Rd Unit C Bessemer, AL	2.0	1.0	733	$750	$1.02	16d	1	1.27mi
1409 Hueytown Rd Unit 76 Bessemer, AL	2.0	1.0	876	$995	$1.14	5d	1	1.40mi
1409 Hueytown Rd Unit 09 Bessemer, AL	1.0	1.0	695	$850	$1.22	45d	1	1.40mi
1409 Hueytown Rd Apt 63 Bessemer, AL	2.0	1.0	876	$995	$1.14	45d	1	1.40mi
109 Oak Ave Bessemer, AL	3.0	1.0	1120	$1,200	$1.07	5d	1	1.42mi
1623 26th Ave N Bessemer, AL	2.0	1.0	1004	$1,095	$1.09	13d	1	1.44mi
2234 19th St N Bessemer, AL	2.0	1.0	1106	$975	$0.88	45d	1	1.46mi
200 Love St Bessemer, AL	2.0	1.0	675	$1,100	$1.63	45d	1	1.48mi

Listing history 3 events

1. 2026-06-22
   days on market $125,000 Active 4 DOM
2. 2026-06-18
   remarks 163-char remark
3. 2026-06-18
   listed $125,000 Active 1 DOM

ⓘ 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: $401 · $33/mo
• Projected year-2 tax: $512 · $43/mo
• Expected delta: +$112/yr (+$9/mo · 27.9%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,206
• − Mortgage interest: −$7,002
• − Property taxes: −$401
• − Insurance: −$625
• − Repairs & maintenance: −$1,056
• − Management: −$1,056
• − Depreciation: −$3,636
• Taxable loss: −$571
• Est. tax savings @ 24.0%: +$137
• After-tax cash flow: $1,678/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: Jefferson County
• NCES district ID: 0101920
• Math proficiency: 9% ▼ -24.00%
• Reading proficiency: 32% ▼ -5.00%
• Median HH income: $51,712
• Composite: 18.4/100
• National rank: #8937
• State rank: #104 of 129 in AL

Livability — Hueytown

• Score: 57/100
• State rank: #378
• US rank: #21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hueytown, AL
• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 25,533
• Household income: $69,863
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 247.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% 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: ▼ -0.60%
• Current HPI: 389.38
• Rent YoY: ▲ 1.60%
• 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

+296.8% since first listed

3 events — show timeline

• 2026-06-17 Listed $125,000 Greater Alabama MLS
• 1993-12-31 Sold (Public Records) $31,500 Public Records
• 1984-03-13 Sold (Public Records) $31,500 Public Records

Property tax history

-6.6%/yr

Latest (2024): $401 · -6.1% YoY. Source: county tax records.