1325 Avenue V · Birmingham, AL 35218

$54,900

3 bd · 1.0 ba · 1,092 sqft · SingleFamily public records · 39 Days on market

Built 1952 0.32 ac lot $50/sqft · 23% below area Est $71k · 23% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +4.2/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0

Listing remarks MLS

Homebuyers and Investors, check this one out!! Three bedroom and one bath on one level. hardwood floors. Kitchen has lots of cabinet space! Don't let this one pass you by! Convenient to local shopping, schools, Downtown, and major interstates.

Key facts

• 0.32 acre lot
• Parking
• Built 1952

Property features AI

Finance

• HOA & community: Subdivision: Tuxedo Park; Fire fee included; Garbage fee included; Library fee included

Exterior

• Parking: Driveway parking; One carport space
• Utilities: Public water; Connected sewer; Electric water heater; Internet availability unknown
• Home design: Existing home; Single-story living spaces (rooms listed at level 1)
• Construction: Wood construction; Crawl space foundation; Built (existing) — year not specified
• Exterior features: No pool; No patio or garden listed; No decks; Not waterfront; Lot view: none

Interior

• Kitchen: Laminate countertops; Kitchen on main level
• Bedrooms: Two bedrooms on the main level
• Flooring: Carpet
• Bathrooms: One full bathroom with tub/shower combo (main level)
• Heating & cooling: Central heating; Central cooling
• Interior features: Carpet floors; Attic present (see remarks); Ceilings: see remarks; No additional interior features listed
• Laundry & utility: Washer hookup (main level); Electric dryer hookup; Has laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $63 ($761/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $53k (3.0% below list) — sets the bar for market timing.
• Cap rate 17.0% 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-, schools F, crime 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.
• Market conditions: 50 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 44% of the median local income ($31k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-1.5%/yr); year-one equity from $380 of loan paydown is wiped out by about $845 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 39 days — a 3% lower offer ($53k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 13y ago 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.
• Current owner paid $7k; list at $55k implies a 684% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo; built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $53,253 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 2.05% ✓
• Cap rate: 17.00%
• Cash-on-cash: 38.25%
• DSCR: 2.70
• GRM: 4.1

CMA / ARV

• ARV (median comp): $71,258
• List price: $54,900
• Delta: -22.96%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1921 10th St	0.36mi	3/1.0	1,120 (+3%)	2mo	$85,000	$76	77
2643 16th Street Ensley	0.39mi	3/1.0	1,084 (-1%)	17mo	$42,500	$39	66
1249 Avenue M	0.29mi	3/2.0	1,144 (+5%)	18mo	$30,000	$26	60
1306 Avenue R	0.28mi	3/1.0	980 (-10%)	14mo	$72,000	$73	58
1328 Avenue I	0.60mi	3/1.0	1,223 (+12%)	12mo	$51,500	$42	42
2016 26th St W	0.75mi	3/2.0	1,156 (+6%)	11mo	$70,000	$61	42
816 8th St	0.67mi	2/1.0 (-1)	1,113 (+2%)	22mo	$109,900	$99	42
2034 Avenue V	0.40mi	2/1.0 (-1)	972 (-11%)	20mo	$27,000	$28	41
811 W 17th St	0.75mi	3/1.0	1,146 (+5%)	22mo	$57,000	$50	39
2712 24th St	0.74mi	3/1.0	1,232 (+13%)	8mo	$42,000	$34	37
1722 Decatur Ave	0.59mi	3/1.0	948 (-13%)	23mo	$84,500	$89	31

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

Projected returns pro-forma

-1.54% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.7%
• Equity multiple: 0.93×
• Total profit: $-1,128
• Equity at exit: $11,844

10-year hold

• IRR: 6.1%
• Equity multiple: 1.56×
• Total profit: $8,544
• Equity at exit: $11,273

Cash invested: $15,372 (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 35218

• Home prices YoY: -0.9%
• Active inventory: 50
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $1,128 high
• Mortgage (P&I): −$288
• Tax from tax record: −$90 /mo · $1,080/yr
• Insurance: −$23
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$237
• Net cashflow: $63

Break-even live

Break-even rent $1,047

Max offer price $54,900

Occupancy floor 89%

Sensitivity live

Price	-10% $94	-5% $79	+0% $63	+5% $48	+10% $32
Rent	-10% $-26	-5% $19	+0% $63	+5% $108	+10% $152
Rate	-1.0pp $91	-0.5pp $77	base $63	+0.5pp $49	+1.0pp $35

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: $13,725
• Closing costs: $1,647
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1316 Court R Birmingham, AL	3.0	1.0	904	$900	$1.00	11d	1	0.28mi
1306 Avenue R Unit R Birmingham, AL	3.0	1.0	980	$950	$0.97	4d	1	0.29mi
1306 Avenue R Unit R Birmingham, AL	3.0	1.0	980	$950	$0.97	44d	1	0.29mi
1825 18th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1316	$1,123	$0.85	44d	1	0.38mi
2356 22nd Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1500	$985	$0.66	24d	1	0.47mi
2661 Bush Blvd Birmingham, AL	3.0	2.0	1024	$1,200	$1.17	44d	1	0.48mi
2609 20th Street Ensley Birmingham, AL	3.0	2.0	1229	$1,550	$1.26	44d	1	0.49mi
2609 20th Street Ensley Birmingham, AL	3.0	2.0	1500	$1,550	$1.03	4d	1	0.49mi
2621 20th Street Ensley Birmingham, AL	3.0	1.0	1117	$1,295	$1.16	44d	1	0.49mi
1720 Cullman Ave Unit 3 Birmingham, AL	3.0	2.0	1174	$950	$0.81	44d	1	0.52mi
1720 Cullman Ave Unit 2 Birmingham, AL	3.0	1.0	1174	$899	$0.77	22d	1	0.52mi
2337 23rd Street Ensley Birmingham, AL	3.0	1.0	1446	$1,295	$0.90	44d	1	0.55mi
2426 Avenue U Unit U Birmingham, AL	3.0	2.0	1260	$1,175	$0.93	20d	1	0.64mi
2108 25th Street Ensley Birmingham, AL	4.0	2.0	1446	$1,300	$0.90	44d	1	0.68mi
2720 23rd Street Ensley Birmingham, AL	4.0	2.0	1350	$1,500	$1.11	4d	1	0.69mi
2213 25th Street Ensley Birmingham, AL	4.0	2.0	1197	$1,150	$0.96	11d	1	0.71mi
1701 Avenue I Unit I Birmingham, AL	3.0	1.0	1140	$1,200	$1.05	4d	1	0.72mi
820 17th Street Ensley Birmingham, AL	3.0	2.0	1336	$1,250	$0.94	44d	1	0.72mi
2712 24th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1232	$1,099	$0.89	24d	1	0.73mi
3113 Pike Rd Birmingham, AL	3.0	2.0	1143	$1,275	$1.12	44d	1	0.74mi
1642 Graymont Ave W Birmingham, AL	3.0	1.0	1219	$1,090	$0.89	4d	1	0.77mi
811 17th Aly Birmingham, AL	4.0	1.0	1146	$1,050	$0.92	11d	1	0.77mi
2037 26th Street Ensley Birmingham, AL	3.0	1.0	1074	$995	$0.93	44d	1	0.78mi
1520 Avenue G Unit G Birmingham, AL	4.0	1.0	1231	$1,100	$0.89	44d	1	0.80mi
1521 22nd Street Ensley Unit B Birmingham, AL	2.0	1.0	750	$875	$1.17	24d	1	0.82mi
2304 Eufaula Ave Birmingham, AL	3.0	1.0	1381	$980	$0.71	44d	1	0.85mi
2309 Eufaula Ave Birmingham, AL	4.0	2.0	1454	$1,395	$0.96	24d	1	0.87mi
1001 21st Street Ensley Unit B Birmingham, AL	2.0	1.0	700	$725	$1.04	17d	1	0.88mi
2916 24th Street Ensley Birmingham, AL	2.0	1.0	850	$590	$0.69	24d	1	0.90mi
1609 Pike Rd Birmingham, AL	2.0	1.5	820	$800	$0.98	20d	5	0.91mi
2709 30th Street Ensley Birmingham, AL	4.0	2.0	1410	$1,323	$0.94	3d	1	0.91mi
2421 29th Street Ensley Unit C Birmingham, AL	2.0	1.0	950	$703	$0.74	24d	1	0.93mi
2610 Avenue P Birmingham, AL	3.0	2.0	1014	$850	$0.84	44d	1	0.98mi
2329 30th Street Ensley Birmingham, AL	2.0	1.0	917	$990	$1.08	24d	1	1.00mi
1616 28th Street Ensley Birmingham, AL	3.0	1.0	1081	$1,100	$1.02	44d	1	1.02mi
1521 27th Street Ensley Birmingham, AL	3.0	2.0	1120	$1,000	$0.89	44d	1	1.05mi
1724 30th Street Ensley Birmingham, AL	4.0	2.0	1428	$1,395	$0.98	17d	1	1.08mi
1621 2nd Ct W Birmingham, AL	3.0	1.0	1074	$1,095	$1.02	44d	1	1.12mi
1545 29th Street Ensley Birmingham, AL	3.0	1.5	1331	$1,200	$0.90	44d	1	1.13mi
2520 Avenue L Unit A Birmingham, AL	4.0	1.5	1260	$1,150	$0.91	24d	1	1.15mi

Listing history 16 events

1. 2026-06-18
   days on market $54,900 Active 39 DOM
2. 2026-06-17
   days on market $54,900 Active 38 DOM
3. 2026-06-16
   days on market $54,900 Active 37 DOM
4. 2026-06-15
   days on market $54,900 Active 36 DOM
5. 2026-06-13
   days on market $54,900 Active 34 DOM
6. 2026-06-10
   days on market $54,900 Active 31 DOM
7. 2026-06-09
   days on market $54,900 Active 30 DOM
8. 2026-06-08
   days on market $54,900 Active 29 DOM
9. 2026-06-07
   days on market $54,900 Active 28 DOM
10. 2026-06-03
    days on market $54,900 Active 24 DOM
11. 2026-06-02
    days on market $54,900 Active 23 DOM
12. 2026-06-01
    days on market $54,900 Active 22 DOM
13. 2026-05-31
    days on market $54,900 Active 21 DOM
14. 2026-05-08
    listed $54,900 Active 9-char remark
15. 2013-05-17
    soldstatus $7,000 243-char remark

    Show marketing remark (243 chars)

    Homebuyers and Investors, check this one out!! Three bedroom and one bath on one level. hardwood floors. Kitchen has lots of cabinet space! Don't let this one pass you by! Convenient to local shopping, schools, Downtown, and major interstates.

16. 2013-03-07
    listed $9,900 243-char remark

    Show marketing remark (243 chars)

    Homebuyers and Investors, check this one out!! Three bedroom and one bath on one level. hardwood floors. Kitchen has lots of cabinet space! Don't let this one pass you by! Convenient to local shopping, schools, Downtown, and major interstates.

ⓘ 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: $1,080 · $90/mo
• Projected year-2 tax: $1,080 · $90/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 AE · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 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 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,530
• − Mortgage interest: −$3,075
• − Property taxes: −$1,080
• − Insurance: −$5,393
• − Repairs & maintenance: −$1,082
• − Management: −$1,082
• − Depreciation: −$1,597
• Taxable income: $220
• Est. tax owed @ 24.0%: −$53
• After-tax cash flow: $708/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: 210,422
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 6,981
• Household income: $30,739
• Rent vs Own: 63.9% rent · 36.1% own
• Severe rent burden: 621.0

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 (76%)
• Race & ethnicity: Black 76% Two or more races 17% White 5% Hispanic / Latino 4%
• Foreign-born: 2% · Canada, South Korea
• Languages at home: 97% English-only · Spanish 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: ▼ -1.54%
• Current HPI: 170.4053
• Rent YoY: —
• 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

+454.5% since first listed

3 events — show timeline

• 2026-05-08 Listed $54,900 Greater Alabama MLS
• 2013-05-17 Sold (MLS) $7,000 Greater Alabama MLS
• 2013-03-07 Listed $9,900 Greater Alabama MLS

Property tax history

+3.3%/yr

Latest (2025): $1,080 · +0.0% YoY. Source: county tax records.