5257 Meadow Ridge Trl · McCalla, AL 35022

$320,000

4 bd · 2.0 ba · 1,188 sqft · SingleFamily public records · 11 Days on market

Built 2014 7,405 sqft lot $269/sqft · 63% above area Est $353k · 9% under $44/mo HOA · 2% of rent

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Why this score? — see what drove the F 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 +11.7/15.0
• Cash flow +7.8/30.0
• Rent growth +5.0/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.9/10.0
• Schools +1.8/10.0
• 1% rule +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks

Meet 5257 Meadow Ridge Trl, a residence built for everyday comfort and functional use. The kitchen features all stainless steel appliances, an accent backsplash, and a central island. A central fireplace establishes a welcoming ambiance. The primary bathroom includes double sinks, plus a separate tub and shower. A covered patio leads to a fully fenced in backyard. Discover modern ease and outdoor tranquility in this property. Included 100-Day Home Warranty with buyer activation

Key facts

• Central island
• Double sinks
• Central fireplace

Tags

• STAINLESS STEEL APPLIANCES
• ACCENT BACKSPLASH
• CENTRAL ISLAND
• CENTRAL FIREPLACE
• DOUBLE SINKS
• SEPARATE TUB AND SHOWER

Property features AI

Finance

• Other: Subdivision: Rosser Farms
• HOA & community: Annual association fee of $525 (fees include: other)

Exterior

• Parking: Attached front-entry 2-car garage
• Utilities: Public water; Connected sewer; Gas water heater; Underground utilities; Internet availability unknown
• Home design: Existing single-family residence; Slab foundation
• Construction: Brick over foundation and other siding
• Exterior features: Community in-ground pool; No waterfront, no deck, no patio, no garden/patio

Interior

• Kitchen: Dishwasher (built-in); Built-in microwave; Electric stove; Stone countertops
• Bedrooms: Main level bedrooms and upstairs bedrooms (multiple bedrooms across levels)
• Flooring: Hardwood; Carpet; Tile
• Bathrooms: Two full bathrooms; One half bathroom; Separate shower
• Heating & cooling: Gas heating; Central electric air conditioning
• Interior features: 9-foot-plus ceilings with crown molding and smooth finish; One gas fireplace in the den with tile surround; Stone kitchen countertops; Has a walk-in attic
• Laundry & utility: Main-level laundry; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $320k.

Deal economics

• At list price, monthly cash flow is $-353 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $258k (19.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $208k (35.0% below list).
• Recommended offer: $208k (35.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• 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: Mcadory Elementary School (math 14% / reading 40%, grade F, #392 of 627 statewide, top 65%, 667 students, 61% FRL); Mcadory Middle School (math 2% / reading 33%, grade F, #199 of 257 statewide, top 77%, 854 students, 74% FRL); Mcadory High School (math 8% / reading 17%, grade F, #237 of 305 statewide, top 78%, 1,162 students, 72% FRL) — zoned schools average 69% FRL vs 49% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+14.8%/yr); 312 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 31% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 11 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 43% 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 $208,110 (35.0% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.65% ✗
• Cap rate: 4.97%
• Cash-on-cash: -4.72%
• DSCR: 0.79
• GRM: 12.8

CMA / ARV

• ARV (median comp): $352,626
• List price: $320,000
• Delta: -9.25%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5709 Rockdale Rd	0.49mi	3/1.0 (-1)	1,184 (-0%)	1mo	$125,000	$106	66
1633 Eastern Valley Rd	0.57mi	3/2.0 (-1)	1,176 (-1%)	8mo	$182,500	$155	60
1834 Brandon Way	0.58mi	3/2.0 (-1)	1,290 (+9%)	11mo	$230,000	$178	44
5644 Rockdale Ct	0.51mi	3/1.0 (-1)	1,276 (+7%)	19mo	$120,000	$94	39
1636 Eastern Valley Rd	0.47mi	3/2.0 (-1)	1,362 (+15%)	13mo	$249,900	$183	38
1782 Bradford Ln	0.41mi	3/2.0 (-1)	1,363 (+15%)	20mo	$248,000	$182	35
4503 Rosser Loop Dr	0.38mi	3/2.0 (-1)	1,363 (+15%)	23mo	$218,000	$160	34
4762 Rosser Loop Dr	0.65mi	3/2.0 (-1)	1,365 (+15%)	11mo	$260,000	$190	31
5153 Candle Brook Ter	0.68mi	3/2.0 (-1)	1,313 (+10%)	22mo	$225,000	$171	28

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -19.5%
• Equity multiple: 0.29×
• Total profit: $-63,418
• Equity at exit: $47,713

10-year hold

• IRR: -4.9%
• Equity multiple: 0.61×
• Total profit: $-34,498
• Equity at exit: $27,668

Cash invested: $89,600 (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 35022

• Home prices YoY: -20.2%
• Rents YoY: 14.8%
• Active inventory: 312
• Price-to-rent: 12.8×

Monthly cashflow live

• Estimated rent: $2,081 medium
• Mortgage (P&I): −$1,678
• Tax from tax record: −$141 /mo · $1,695/yr
• Insurance: −$133
• HOA: −$44
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $-353

Break-even live

Break-even rent $2,528

Max offer price $257,699

Occupancy floor —

Sensitivity live

Price	-10% $-172	-5% $-262	+0% $-353	+5% $-443	+10% $-534
Rent	-10% $-517	-5% $-435	+0% $-353	+5% $-270	+10% $-188
Rate	-1.0pp $-192	-0.5pp $-271	base $-353	+0.5pp $-436	+1.0pp $-520

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: $80,000
• Closing costs: $9,600
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4737 Longmeadow Dr Bessemer, AL	3.0	2.0	1356	$1,815	$1.34	12d	1	1.17mi

HOA detail

• Monthly dues: $44 · $528/yr

Listing history 1 events

1. 2026-05-15
   listed $320,000 Active 482-char remark

ⓘ 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: $1,695 · $141/mo
• Projected year-2 tax: $1,695 · $141/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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 43% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,973
• − Mortgage interest: −$17,925
• − Property taxes: −$1,695
• − Insurance: −$1,600
• − Repairs & maintenance: −$1,998
• − Management: −$1,998
• − HOA: −$528
• − Depreciation: −$9,309
• Taxable loss: −$10,080
• Est. tax savings @ 24.0%: +$2,419
• After-tax cash flow: $-1,813/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 — McCalla

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: McCalla, AL
• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 23,126
• Household income: $81,846
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 554.0

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: Black 53% White 41% Hispanic / Latino 3% Two or more races 2% Asian 1%
• Common ancestry: Italian 1% Slovak 1% Iranian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 96% English-only · Spanish 3% Chinese 1%

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: ▼ -55.40%
• Current HPI: 219.3839
• Rent YoY: ▲ 14.80%
• 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

+0.0% since first listed

3 events — show timeline

• 2026-05-26 Pending — Greater Alabama MLS
• 2026-05-15 Listed $320,000 Greater Alabama MLS
• 2026-05-04 Sold (Public Records) $320,000 Public Records

Property tax history

+25.4%/yr

Latest (2025): $1,695 · -0.9% YoY. Source: county tax records.