1713 Courtney Ave · Lipscomb, AL 35020

$69,900

2 bd · 1.0 ba · 932 sqft · SingleFamily public records · 8 Days on market

Built 1960 6,534 sqft lot

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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
• DSCR +10.0/10.0
• 1% rule +9.4/10.0
• ARV discount +7.5/15.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Rent growth +1.7/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome home to 1713 Courtney Avenue in Bessemer. a charming, 2-bedroom, 1-bath residence on a spacious lot with carport parking. Inside, the freshly painted interior offers a bright, updated feel ready for your personal touch. Major upgrades add peace of mind: a central HVAC system installed just 5 years ago (including ductwork) and all interior plumbing replaced at the same time. These improvements bring modern comfort to a classic home. The large lot provides room for outdoor living, play, or future expansion, making this property ideal for families or first-time buyers seeking both value and potential. With its inviting curb appeal and thoughtful updates, this home is ready for new memo

Key facts

• 6,534 sq ft lot
• Parking
• Built 1960

Property features AI

Finance

• Other: Property accessed via public road
• Financial info: Down payment assistance available; Annual fire fee ($75) and monthly garbage fee ($20)
• HOA & community: No association fee

Exterior

• Parking: Attached parking; Driveway parking; One covered carport space
• Security: Security system
• Utilities: Public water; Connected sewer; Gas water heater; Cable and DSL internet available
• Home design: Existing home; Crescent Heights subdivision
• Construction: Two-side brick, vinyl siding and stucco exterior; Crawl space foundation
• Exterior features: Fenced yard; Open patio; Porch; Storage building; Interior lot; Sidewalks; Street lights

Interior

• Kitchen: Eating area; Laminate countertops; Disposal; Self-cleaning oven; Gas stove; Refrigerator; Plumbed for gas
• Bedrooms: Two bedrooms on main level
• Flooring: Hardwood floors; Vinyl floors
• Bathrooms: One full bathroom with garden tub and tub/shower combo; Dressing room
• Heating & cooling: Central heating (gas); Central cooling (electric)
• Interior features: 9+ foot smooth ceilings; Bay window; Recessed lighting; Security system; Split bedroom floor plan; Pull-down attic
• Laundry & utility: Laundry room on main level; Washer hookup; Electric dryer hookup; Utility sink

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $362 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).

Location & tenants

• Location reads 67/100 on livability (#76 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, commute A+, cost of living A+; Watch: schools F, amenities F, employment 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.
• Market conditions: Rents falling (-3.1%/yr); 115 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% 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 34% of the median local income ($35k/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 $483 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $20k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• 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 $69,900

Questions for the listing agent

1. Built in 1960 — 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. 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.
5. 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.
6. 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: 1.44% ✓
• Cap rate: 12.50%
• Cash-on-cash: 22.17%
• DSCR: 1.99
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $41,940
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5928 Warner St	0.71mi	3/1.0 (+1)	999 (+7%)	2mo	$37,500	$38	48
6001 Ivy St	0.75mi	3/1.0 (+1)	966 (+4%)	8mo	$75,000	$78	47
724 Illinois Rd	0.63mi	3/1.5 (+1)	1,008 (+8%)	8mo	$110,000	$109	43
5741 King Dr	0.61mi	3/1.0 (+1)	1,009 (+8%)	14mo	$45,000	$45	41
5817 Ellington St	0.61mi	3/1.0 (+1)	1,018 (+9%)	12mo	$15,000	$15	41
5737 King Dr	0.60mi	3/1.5 (+1)	1,056 (+13%)	15mo	$43,000	$41	30

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 11.7%
• Equity multiple: 1.45×
• Total profit: $8,736
• Equity at exit: $10,422

10-year hold

• IRR: 18.3%
• Equity multiple: 2.32×
• Total profit: $25,800
• Equity at exit: $6,044

Cash invested: $19,572 (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 35020

• Home prices YoY: -24.2%
• Rents YoY: -3.1%
• Active inventory: 115
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,006 high
• Mortgage (P&I): −$367
• Tax from tax record: −$38 /mo · $453/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$211
• Net cashflow: $362

Break-even live

Break-even rent $549

Max offer price $69,900

Occupancy floor 59%

Sensitivity live

Price	-10% $401	-5% $381	+0% $362	+5% $342	+10% $322
Rent	-10% $282	-5% $322	+0% $362	+5% $401	+10% $441
Rate	-1.0pp $397	-0.5pp $379	base $362	+0.5pp $343	+1.0pp $325

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5704 14th St S Bessemer, AL	2.0	2.0	1024	$850	$0.83	16d	1	0.27mi
5709 13th St S Bessemer, AL	3.0	1.0	1120	$1,200	$1.07	44d	1	0.31mi
6001 Ivy St Birmingham, AL	3.0	1.0	906	$950	$1.05	44d	1	0.73mi
830 Burwell St Birmingham, AL	3.0	1.5	1011	$1,200	$1.19	44d	1	0.79mi
5703 Avenue O Unit O Bessemer, AL	2.0	1.0	936	$800	$0.85	44d	1	0.81mi
520 Brewer Dr Bessemer, AL	3.0	1.0	1040	$1,100	$1.06	3d	1	0.89mi
5906 5th St S Bessemer, AL	2.0	1.0	916	$900	$0.98	24d	1	0.90mi
5107 5th St N Bessemer, AL	2.0	1.0	775	$950	$1.23	44d	1	1.07mi
546 Selma Rd Bessemer, AL	3.0	1.0	888	$900	$1.01	44d	1	1.08mi
36 Wilkes Cir Birmingham, AL	2.0	1.0	762	$875	$1.15	44d	1	1.19mi
925 Woodward Rd Birmingham, AL	2.0	2.0	1104	$950	$0.86	44d	1	1.44mi
4009 Grasselli Ave SW Birmingham, AL	3.0	1.0	875	$900	$1.03	24d	1	1.44mi
1721 Collier Dr Birmingham, AL	2.0	1.0	925	$800	$0.86	44d	1	1.44mi
3640 Wenonah Rd SW Birmingham, AL	3.0	2.0	1100	$1,195	$1.09	24d	1	1.48mi
3640 Wenonah Rd SW Birmingham, AL	3.0	2.0	1100	$1,195	$1.09	12d	1	1.48mi
4120 George Ave SW Birmingham, AL	2.0	1.0	944	$850	$0.90	24d	1	1.49mi

Listing history 7 events

1. 2026-06-18
   days on market $69,900 Active 8 DOM
2. 2026-06-17
   days on market $69,900 Active 7 DOM
3. 2026-06-16
   days on market $69,900 Active 6 DOM
4. 2026-06-15
   days on market $69,900 Active 5 DOM
5. 2026-06-13
   days on market $69,900 Active 3 DOM
6. 2026-06-10
   remarks 699-char remark
7. 2026-06-10
   listed $69,900 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: $453 · $38/mo
• Projected year-2 tax: $453 · $38/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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥107°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: $12,076
• − Mortgage interest: −$3,915
• − Property taxes: −$453
• − Insurance: −$350
• − Repairs & maintenance: −$966
• − Management: −$966
• − Depreciation: −$2,033
• Taxable income: $3,392
• Est. tax owed @ 24.0%: −$814
• After-tax cash flow: $3,524/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 — Lipscomb

• Score: 67/100
• State rank: #76
• US rank: #10121

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lipscomb, AL
• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 24,892
• Household income: $35,362
• Rent vs Own: 40.6% rent · 59.4% own
• Severe rent burden: 1001.0

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 (74%)
• Race & ethnicity: Black 74% Hispanic / Latino 13% White 11% Two or more races 6%
• Hispanic origin (detail): Mexican 10%
• Foreign-born: 5% · Canada
• Languages at home: 89% English-only · Spanish 11%

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: ▼ -57.54%
• Current HPI: 179.7702
• Rent YoY: ▼ -3.12%
• 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

2 events — show timeline

• 2026-06-10 Listed $69,900 Greater Alabama MLS
• 2026-06-09 Coming Soon $69,900 Greater Alabama MLS

Property tax history

+0.6%/yr

Latest (2025): $453 · +0.0% YoY. Source: county tax records.