9359 Brunswick Ave · Kimberly, AL 35091

$298,855

4 bd · 2.0 ba · 1,754 sqft · SingleFamily · 3 Days on market

Built 2026 10,018 sqft lot Est $288k · at est.

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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).

• Appreciation +10.0/10.0
• Cash flow +7.8/30.0
• ARV discount +5.7/15.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• DSCR +1.9/10.0
• Schools +1.8/10.0

Listing remarks MLS

Introducing the Hampton D at Jersey Park, a stunning example of one-level living that combines elegance and functionality. This home features 1,754 square feet of beautifully designed space, offering four spacious bedrooms and two meticulously crafted bathrooms. The open floor plan seamlessly connects the living areas, making it ideal for both relaxation and entertaining. Step outside onto the covered patio or the inviting covered porch, perfect for enjoying your morning coffee or hosting evening gatherings. Each detail of the Hampton D Prototype has been thoughtfully considered to enhance your lifestyle, providing a harmonious blend of comfort and style. Dont miss the opportunity to own this exquisite homecontact us today to learn more or to schedule your personal tour!

Key facts

• Covered porch
• Open floor plan
• Covered patio

Tags

• ONE LEVEL LIVING
• OPEN FLOOR PLAN
• COVERED PATIO
• COVERED PORCH

Property features AI

Exterior

• Parking: Front garage entry; Attached 2-car garage
• Utilities: Public water; Connected sewer; Gas water heater; Underground utilities; Internet service availability unknown
• Home design: Brick over foundation with Hardiplank siding; Slab foundation; New construction completed
• Construction: New complete construction; Brick and Hardiplank siding; Slab foundation
• Exterior features: Subdivision lot; No waterfront, pool, patio, garden/patio, or decks indicated; Underground utilities

Interior

• Kitchen: Stone countertops; Some stainless steel appliances
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level
• Flooring: Carpet; Hardwood laminate; Vinyl
• Bathrooms: Two full bathrooms; Master bath with separate shower and garden tub; Bathrooms include tub/shower combo and linen closet
• Heating & cooling: Gas heating; Central air conditioning
• Interior features: 9-foot and higher ceilings with smooth and trey ceiling details; Some stainless steel kitchen appliances; Stone kitchen countertops; No additional built-in interior features listed
• Laundry & utility: Main-level laundry room; Washer hookup and electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $299k.

Deal economics

• At list price, monthly cash flow is $-394 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $242k (19.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $220k (26.4% below list).
• Recommended offer: $220k (26.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#99 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; 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: Bryant Park Elementary (math 13% / reading 38%, grade F, #411 of 627 statewide, top 66%, 708 students, 62% FRL); North Jefferson Middle School (math 13% / reading 45%, grade F, #134 of 257 statewide, top 53%, 666 students, 52% FRL); Mortimer Jordan High School (math 23% / reading 27%, grade F, #114 of 305 statewide, top 38%, 861 students, 45% FRL) — zoned schools at 53% FRL track the district average.
• Market conditions: 131 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $32k of equity ($2k loan paydown + $30k appreciation (10.0% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$51k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $220,000 (26.4% 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's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 0.74% ✗
• Cap rate: 4.98%
• Cash-on-cash: -4.69%
• DSCR: 0.79
• GRM: 11.3

CMA / ARV

• ARV (on-the-fly): $287,656
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9324 Brunswick Ave	0.04mi	4/2.0	1,754 (0%)	4mo	$289,850	$165	95
9332 Brunswick Ave	0.07mi	3/2.0 (-1)	1,740 (-1%)	4mo	$279,195	$160	87
9510 Pharris Ln	0.34mi	3/2.0 (-1)	1,753 (-0%)	4mo	$267,000	$152	76
9340 Brunswick Ave	0.00mi	3/2.5 (-1)	1,933 (+10%)	1mo	$288,625	$149	75
9331 Brunswick Ave	0.00mi	3/2.0 (-1)	1,535 (-12%)	2mo	$252,685	$165	73
9312 Brunswick Ave	0.02mi	3/2.5 (-1)	1,933 (+10%)	3mo	$275,995	$143	72
1708 Bone Dry Rd	0.53mi	3/2.0 (-1)	1,748 (-0%)	4mo	$287,000	$164	66
2004 Darwin Cir	0.42mi	3/2.0 (-1)	1,610 (-8%)	1mo	$295,000	$183	61

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.3%
• Equity multiple: 2.65×
• Total profit: $137,758
• Equity at exit: $269,232

10-year hold

• IRR: 18.5%
• Equity multiple: 6.09×
• Total profit: $425,546
• Equity at exit: $580,610

Cash invested: $83,679 (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 35091

• Home prices YoY: 8.8%
• Active inventory: 131
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $2,200 medium
• Mortgage (P&I): −$1,567
• Tax est. 1.5%: −$374 /mo · $4,483/yr
• Insurance: −$125
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$462
• Net cashflow: $-394

Break-even live

Break-even rent $2,698

Max offer price $241,875

Occupancy floor —

Sensitivity live

Price	-10% $-187	-5% $-291	+0% $-394	+5% $-497	+10% $-600
Rent	-10% $-568	-5% $-481	+0% $-394	+5% $-307	+10% $-220
Rate	-1.0pp $-243	-0.5pp $-318	base $-394	+0.5pp $-471	+1.0pp $-550

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: $74,714
• Closing costs: $8,966
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
516 Way Station Pl Kimberly, AL	4.0	3.0	2256	$2,200	$0.98	3d	1	1.40mi

Listing history 3 events

1. 2026-06-22
   days on market $298,855 Active 3 DOM
2. 2026-06-18
   remarks 693-char remark

   Show marketing remark (781 chars)

   Introducing the Hampton D at Jersey Park, a stunning example of one-level living that combines elegance and functionality. This home features 1,754 square feet of beautifully designed space, offering four spacious bedrooms and two meticulously crafted bathrooms. The open floor plan seamlessly connects the living areas, making it ideal for both relaxation and entertaining. Step outside onto the covered patio or the inviting covered porch, perfect for enjoying your morning coffee or hosting evening gatherings. Each detail of the Hampton D Prototype has been thoughtfully considered to enhance your lifestyle, providing a harmonious blend of comfort and style. Dont miss the opportunity to own this exquisite homecontact us today to learn more or to schedule your personal tour!

3. 2026-06-18
   listed $298,855 Active 1 DOM

   Show marketing remark (781 chars)

   Introducing the Hampton D at Jersey Park, a stunning example of one-level living that combines elegance and functionality. This home features 1,754 square feet of beautifully designed space, offering four spacious bedrooms and two meticulously crafted bathrooms. The open floor plan seamlessly connects the living areas, making it ideal for both relaxation and entertaining. Step outside onto the covered patio or the inviting covered porch, perfect for enjoying your morning coffee or hosting evening gatherings. Each detail of the Hampton D Prototype has been thoughtfully considered to enhance your lifestyle, providing a harmonious blend of comfort and style. Dont miss the opportunity to own this exquisite homecontact us today to learn more or to schedule your personal tour!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 18 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 · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,400
• − Mortgage interest: −$16,741
• − Property taxes: −$4,483
• − Insurance: −$2,292
• − Repairs & maintenance: −$2,112
• − Management: −$2,112
• − Depreciation: −$8,694
• Taxable loss: −$10,033
• Est. tax savings @ 24.0%: +$2,408
• After-tax cash flow: $-2,317/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 — Kimberly

• Score: 66/100
• State rank: #99
• US rank: #11415

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Kimberly, AL
• Population (ZIP): 3,632

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 White (92%)
• Race & ethnicity: White 92% Black 5% Two or more races 2%
• Common ancestry: Italian 7% Slovak 4% Lithuanian 3%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Korean 1% Other Indo-European 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: ▲ 21.37%
• Current HPI: 265.4636
• Rent YoY: —
• Metro: —
• 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

2 events — show timeline

• 2026-06-18 Listed $298,855 Zillow
• 2026-06-18 Listed $298,855 Greater Alabama MLS