9295 Whippoorwill Ln · Pinson, AL 35126

$225,000

3 bd · 2.0 ba · 1,100 sqft · SingleFamily public records · 6 Days on market

Built 1976 2.41 ac lot $205/sqft · 27% above area Est $295k · 24% under

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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).

• ARV discount +15.0/15.0
• Cash flow +12.4/30.0
• DSCR +3.7/10.0
• Livability +3.0/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Charming and full of potential, this 3 bedroom, 2 bathroom home in Pinson is ready for its next chapter! If you’re looking for space, privacy, and the opportunity to make a home your own, don’t miss this one. Inside, you’ll find abundant natural light, a cozy wood-burning brick fireplace, and built-in bookshelves that add timeless character. The main level features updated flooring and fresh paint, offering a great starting point to add your personal style. The kitchen includes ample cabinet and counter space with a large eat-in area. The main level primary suite offers double closets, while an additional den provides flexible space for an office, media room, or playroom.

Key facts

• Double closets
• Updated flooring
• Large eat-in area

Tags

• WOOD-BURNING BRICK FIREPLACE
• BUILT-IN BOOKSHELVES
• UPDATED FLOORING
• LARGE EAT-IN AREA
• DOUBLE CLOSETS
• MASSIVE COVERED DECK

Property features AI

Finance

• Other: Property includes approximately 2.41 acres; Fees included: fire fee, garbage fee, library fee

Exterior

• Parking: Attached 2-car garage with side entry; Driveway parking
• Security: Security system
• Utilities: Public water; Septic system; Electric water heater; Underground utilities; Internet service available
• Home design: Existing construction; Tri-level style (main and upper level living areas noted)
• Construction: 4-side brick with wood siding; Crawl space foundation
• Exterior features: Covered and open patio; Covered and open deck; Front or rear porch

Interior

• Kitchen: Laminate countertops; Built-in dishwasher; Electric stove
• Bedrooms: Main level master bedroom; Two additional bedrooms on upper level
• Flooring: Carpet; Hardwood laminate; Tile
• Bathrooms: Two full bathrooms; Tub/shower combo; Linen closet
• Heating & cooling: Central heat (heat pump); Heat pump for cooling; Electric cooling
• Interior features: French doors; Handyman special; Security system; Brick wood-burning fireplace in the den; Ceilings: other (see remarks)
• Laundry & utility: Main level laundry in a closet; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $-37 ($-449/yr) — negative.
• To cash-flow at today's rent, offer at most $218k (2.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $162k (28.1% below list).
• Recommended offer: $162k (28.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 60/100 on livability (#289 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, health & safety 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: Kermit Johnson School (math 12% / reading 32%, grade F, #442 of 627 statewide, top 72%, 606 students, 62% FRL); Rudd Middle School (math 0% / reading 26%, grade F, #214 of 257 statewide, top 83%, 667 students, 61% FRL); Pinson Valley High School (math 6% / reading 17%, grade F, #246 of 305 statewide, top 81%, 1,029 students, 81% FRL) — zoned schools average 68% FRL vs 49% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 183 active listings in the ZIP; solid renter incomes; 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 $2k of loan paydown is wiped out by about $7k 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

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $78k; list at $225k implies a 189% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $161,716 (28.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.72% ✗
• Cap rate: 6.09%
• Cash-on-cash: -0.71%
• DSCR: 0.97
• GRM: 11.6

CMA / ARV

• ARV (median comp): $294,732
• List price: $225,000
• Delta: -18.57%
• Verdict: UNDERPRICED
• Comps: 9 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4152 Dean Rd	0.60mi	3/1.0	1,211 (+10%)	8mo	$189,000	$156	45

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 · 1.61% rent growth · sell at horizon

5-year hold

• IRR: -18.9%
• Equity multiple: 0.35×
• Total profit: $-41,195
• Equity at exit: $33,548

10-year hold

• IRR: -14.1%
• Equity multiple: 0.23×
• Total profit: $-48,341
• Equity at exit: $19,454

Cash invested: $63,000 (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 35126

• Home prices YoY: -22.4%
• Rents YoY: 1.6%
• Active inventory: 183
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $1,617 medium
• Mortgage (P&I): −$1,180
• Tax from tax record: −$41 /mo · $495/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$340
• Net cashflow: $-37

Break-even live

Break-even rent $1,664

Max offer price $218,394

Occupancy floor 97%

Sensitivity live

Price	-10% $90	-5% $26	+0% $-37	+5% $-101	+10% $-165
Rent	-10% $-165	-5% $-101	+0% $-37	+5% $26	+10% $90
Rate	-1.0pp $76	-0.5pp $20	base $-37	+0.5pp $-96	+1.0pp $-155

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-22
   days on market $225,000 Active 6 DOM
2. 2026-06-18
   days on market $225,000 Active 3 DOM
3. 2026-06-17
   days on market $225,000 Active 2 DOM
4. 2026-06-15
   pricedays on marketlisting id $225,000 Active 1 DOM
5. 2026-06-15
   days on market $240,000 Active 78 DOM
6. 2026-06-13
   days on market $240,000 Active 76 DOM
7. 2026-06-10
   days on market $240,000 Active 73 DOM
8. 2026-06-09
   days on market $240,000 Active 72 DOM
9. 2026-06-08
   days on market $240,000 Active 71 DOM
10. 2026-06-07
    days on market $240,000 Active 70 DOM
11. 2026-06-03
    days on market $240,000 Active 66 DOM
12. 2026-06-02
    days on market $240,000 Active 65 DOM
13. 2026-06-01
    days on market $240,000 Active 64 DOM
14. 2026-05-31
    days on market $240,000 Active 63 DOM
15. 2026-05-11
    status Active 894-char remark
16. 2026-05-04
    historical Contingent 894-char remark
17. 2026-03-29
    listed $240,000 Active 894-char remark
18. 2025-10-03
    price $265,000
19. 1994-11-20
    soldstatus $77,900
20. 1990-07-13
    soldstatus $77,900

ⓘ 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: $495 · $41/mo
• Projected year-2 tax: $923 · $77/mo
• Expected delta: +$427/yr (+$36/mo · 86.3%)

ⓘ 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 6/10 Major
• 🌡 Heat 5/10 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 4/10 Moderate 4 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,406
• − Mortgage interest: −$12,603
• − Property taxes: −$495
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,552
• − Management: −$1,552
• − Depreciation: −$6,545
• Taxable loss: −$4,468
• Est. tax savings @ 24.0%: +$1,072
• After-tax cash flow: $624/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 — Pinson

• Score: 60/100
• State rank: #289
• US rank: #18763

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• City population: 22,599
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 22,599
• Household income: $83,732
• Rent vs Own: 14.6% rent · 85.4% own
• Severe rent burden: 267.0

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 0.58)
• Race & ethnicity: White 58% Black 28% Hispanic / Latino 8% Two or more races 7% Asian 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 1%
• Common ancestry: Slovak 2% Lithuanian 1% Italian 1%
• Foreign-born: 5% · Canada, China, Jamaica
• Languages at home: 92% English-only · Spanish 5% Vietnamese 1% Chinese 0%

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: ▼ -54.52%
• Current HPI: 188.6439
• Rent YoY: ▲ 1.61%
• 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

+188.8% since first listed

4 events — show timeline

• 2026-06-15 Listed $225,000 Greater Alabama MLS
• 2025-10-03 Price Changed $265,000 Greater Alabama MLS
• 1994-11-20 Sold (Public Records) $77,900 Public Records
• 1990-07-13 Sold (Public Records) $77,900 Public Records

Property tax history

+4.2%/yr

Latest (2025): $495 · +0.0% YoY. Source: county tax records.