338 Old Bridge Rd · Tuscaloosa, AL 35405

$239,900

3 bd · 2.0 ba · 1,463 sqft · SingleFamily public records · 9 Days on market

Built 2010 8,276 sqft lot $164/sqft · 6% below area Est $255k · 6% under $17/mo HOA · 1% of rent

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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).

• Cash flow +11.4/30.0
• ARV discount +10.2/15.0
• Rent growth +3.9/5.0
• Livability +3.9/5.0
• DSCR +3.3/10.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks

Discover comfort, style, and functionality in this beautifully maintained 3BR/2BA home located in the Fields Crossing community! This move-in ready home features Brand New Carpet throughout, an open-concept floor plan with stunning tray ceilings in the living room and bedrooms, Recessed lighting, kitchen offers ample cabinet space, and all kitchen appliances remain with the property. Spacious primary suite features double vanities, a soaking tub, and a large walk-in closet…Step outside to enjoy the fenced backyard complete with a wired storage shed that offers additional storage, workspace, or hobby space. Conveniently located near shopping, dining, and schools. Please schedule Your

Key facts

• Wired storage shed
• Ample cabinet space
• Fenced backyard

Tags

• FENCED BACKYARD
• WIRED STORAGE SHED
• AMPLE CABINET SPACE
• OPEN-CONCEPT FLOOR PLAN
• TRAY CEILINGS
• KITCHEN APPLIANCES REMAIN

Property features AI

Finance

• Other: Subdivision: Fields Crossing
• HOA & community: Homeowners association with an annual fee of $200

Exterior

• Parking: Attached garage with 2 spaces; Driveway parking; Concrete surfaces; Garage door opener
• Security: Smoke detectors
• Utilities: Public water; Sewer connected; Electric service
• Home design: Single-family residence; One level
• Construction: Aluminum siding and brick exterior; Composition shingle roof
• Exterior features: Front porch (screened); Wood fencing; Outbuilding; Corner lot; Paved road access

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Microwave; Refrigerator; Range hood; Granite counters; Kitchen island; Breakfast bar
• Bedrooms: Includes walk-in closet(s)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Ceiling fans; Electric cooling
• Interior features: Breakfast bar; Ceiling fans; Granite counters; Kitchen island; Vaulted ceilings; Walk-in closet(s); Blinds on windows; Gas-log fireplace in the great room
• Laundry & utility: Separate laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-84 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $225k (6.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $170k (29.3% below list).
• Recommended offer: $170k (29.3% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 3.4% in Tuscaloosa — 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 77/100 on livability (#9 in AL, #2,909 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, health & safety A+, cost of living A; Watch: crime F, employment D-.
• Tuscaloosa County (suburban): math 21% / reading 45% proficiency, ranked #47 of 129 in AL (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Englewood Elementary School (math 19% / reading 48%, grade F, #318 of 627 statewide, top 51%, 512 students, 74% FRL); Hillcrest High School (math 18% / reading 26%, grade F, #142 of 305 statewide, top 51%, 1,356 students, 65% FRL) — zoned schools average 69% FRL vs 45% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.4%/yr); 462 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 80% of comp listings sitting > 30 days — soft ceiling on asking rent; 622 units permitted in Tuscaloosa County in 2024 (69 in 5+ unit buildings).
• This rent runs 33% of the median local income ($62k/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 $7k of value loss. Plan a longer hold.
• Tuscaloosa County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 12y 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 $159k; list at $240k implies a 51% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 55% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $169,610 (29.3% 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. 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?
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: 0.71% ✗
• Cap rate: 5.87%
• Cash-on-cash: -1.50%
• DSCR: 0.93
• GRM: 11.8

CMA / ARV

• ARV (median comp): $255,215
• List price: $239,900
• Delta: -4.00%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
335 Old Bridge Rd	0.03mi	3/2.0	1,508 (+3%)	3mo	$258,900	$172	91
9046 Cotton Field Cir	0.12mi	3/2.0	1,478 (+1%)	5mo	$204,150	$138	89
333 Prairie Field Drive Dr	0.22mi	3/2.0	1,465 (+0%)	6mo	$255,900	$175	84
128 Roscommon Rd Rd	0.29mi	3/2.0	1,438 (-2%)	3mo	$235,000	$163	81
165 Roscommon Rd	0.29mi	3/2.0	1,473 (+1%)	7mo	$215,000	$146	79
200 Roscommon Rd	0.35mi	3/2.0	1,380 (-6%)	0mo	$230,000	$167	74
198 Wexford Way Way	0.30mi	3/2.0	1,339 (-8%)	0mo	$215,000	$161	72
9153 Cotton Field Cir	0.22mi	4/2.0 (+1)	1,635 (+12%)	2mo	$275,000	$168	63
162 Wexford Way	0.25mi	3/2.0	1,269 (-13%)	6mo	$214,900	$169	61
9332 Parkway Gardens Loop	0.61mi	4/2.0 (+1)	1,497 (+2%)	3mo	$284,900	$190	60
9218 Parkway Gardens Loop	0.71mi	4/2.0 (+1)	1,497 (+2%)	3mo	$274,900	$184	56
9374 Parkway Gardens Loop	0.62mi	3/2.0	1,617 (+10%)	5mo	$279,350	$173	49

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 · 5.42% rent growth · sell at horizon

5-year hold

• IRR: -16.5%
• Equity multiple: 0.40×
• Total profit: $-40,100
• Equity at exit: $35,770

10-year hold

• IRR: -5.0%
• Equity multiple: 0.64×
• Total profit: $-24,032
• Equity at exit: $20,742

Cash invested: $67,172 (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 35405

• Home prices YoY: -26.9%
• Rents YoY: 5.4%
• Active inventory: 462
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $1,696 high
• Mortgage (P&I): −$1,258
• Tax from tax record: −$49 /mo · $584/yr
• Insurance: −$100
• HOA: −$17
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $-84

Break-even live

Break-even rent $1,802

Max offer price $225,098

Occupancy floor 100%

Sensitivity live

Price	-10% $52	-5% $-16	+0% $-84	+5% $-152	+10% $-220
Rent	-10% $-218	-5% $-151	+0% $-84	+5% $-17	+10% $50
Rate	-1.0pp $37	-0.5pp $-23	base $-84	+0.5pp $-146	+1.0pp $-209

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: $59,975
• Closing costs: $7,197
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9046 Cotton Field Cir Tuscaloosa, AL	3.0	2.0	1478	$1,645	$1.11	45d	1	0.13mi
146 Wexford Way Tuscaloosa, AL	4.0	2.0	1498	$1,745	$1.16	22d	1	0.25mi
9332 Parkway Gardens Loop Tuscaloosa, AL	4.0	2.0	1497	$1,706	$1.14	45d	1	0.60mi
9212 Parkway Gardens Loop Tuscaloosa, AL	4.0	2.0	1774	$1,796	$1.01	45d	1	0.69mi
9230 Parkway Gardens Loop Tuscaloosa, AL	4.0	2.0	1774	$1,995	$1.12	45d	1	0.71mi
9576 Havenridge Loop Tuscaloosa, AL	3.0	2.0	1493	$1,795	$1.20	45d	1	0.79mi
9594 Havenridge Loop Tuscaloosa, AL	3.0	2.0	1679	$1,795	$1.07	45d	1	0.82mi
9295 Havenridge Loop Tuscaloosa, AL	4.0	2.0	1583	$1,745	$1.10	45d	1	0.97mi
8470 Rutherford Dr Duncanville, AL	3.0	2.0	1560	$1,400	$0.90	22d	1	1.41mi
2450 Bear Creek Rd E Duncanville, AL	3.0	2.0	1591	$1,400	$0.88	45d	1	1.43mi

HOA detail

• Monthly dues: $17 · $204/yr

Listing history 23 events

1. 2026-06-15
   statusdays on market $239,900 Pending 9 DOM
2. 2026-06-14
   days on market $239,900 Active 8 DOM
3. 2026-06-13
   days on market $239,900 Active 7 DOM
4. 2026-06-10
   days on market $239,900 Active 5 DOM
5. 2026-06-09
   days on market $239,900 Active 4 DOM
6. 2026-06-08
   days on market $239,900 Active 3 DOM
7. 2026-06-07
   remarks 692-char remark
8. 2026-06-07
   pricestatusdays on marketlisting id $239,900 Active 2 DOM
9. 2026-05-02
   price $245,000
10. 2026-04-14
    status Active
11. 2026-03-24
    status Pending
12. 2026-03-13
    listed $250,000 Active
13. 2026-03-12
    status Active
14. 2025-12-11
    status Pending
15. 2025-10-08
    status Active
16. 2025-10-04
    status Pending
17. 2025-09-08
    price $245,000
18. 2025-08-14
    listed $260,000 Active
19. 2014-06-03
    soldstatus $158,950
20. 2014-05-28
    soldstatus $149,900
21. 2014-02-26
    listed $149,900
22. 2011-02-28
    soldstatus $140,251
23. 2010-06-08
    soldstatus $119,600

ⓘ 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: $584 · $49/mo
• Projected year-2 tax: $984 · $82/mo
• Expected delta: +$399/yr (+$33/mo · 68.3%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 55% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,353
• − Mortgage interest: −$13,438
• − Property taxes: −$584
• − Insurance: −$1,200
• − Repairs & maintenance: −$1,628
• − Management: −$1,628
• − HOA: −$204
• − Depreciation: −$6,979
• Taxable loss: −$5,308
• Est. tax savings @ 24.0%: +$1,274
• After-tax cash flow: $268/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: Tuscaloosa County
• NCES district ID: 0103390
• Math proficiency: 21% ▼ -24.00%
• Reading proficiency: 45% ▲ 2.00%
• Median HH income: $53,000
• Composite: 28.88/100
• National rank: #6641
• State rank: #47 of 129 in AL

Livability — Tuscaloosa

• Score: 77/100
• State rank: #9
• US rank: #2909

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Tuscaloosa County · 206,491 people
• City population: 134,228
• Metro: Tuscaloosa, AL
• Population (ZIP): 49,420
• Household income: $62,301
• Rent vs Own: 45.6% rent · 54.4% own
• Severe rent burden: 1963.0

Population outlook (Tuscaloosa County) Hauer SSP2

• Today (2025): 228,293 people
• By 2030: 240,551 · +5.4%
• By 2040: 263,856 · +15.6%
• By 2050: 286,491 · +25.5%
• By 2075: 335,783 · +47.1%
• By 2100: 370,520 · +62.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 56% White 35% Hispanic / Latino 5% Two or more races 3% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Italian 1% Lithuanian 1% Slovak 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 94% English-only · Spanish 4% Other Indo-European 1% Chinese 1%

Political lean MEDSL · Tuscaloosa

• 2024 margin: Strong R (+20.4) · D 39.4% · R 59.8%
• 2008→2024 swing: -4.4pp toward R · 2008: -16.0pp · 2024: -20.4pp
• All cycles: 2024: R+20.4 2020: R+14.8 2016: R+19.5 2012: R+17.4 2008: R+16.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.25%
• Current HPI: 193.1929
• Rent YoY: ▲ 5.42%
• Metro: Tuscaloosa, 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

+100.6% since first listed

17 events — show timeline

• 2026-06-15 Pending — WAMLS
• 2026-06-05 Listed $239,900 WAMLS
• 2026-05-02 Price Changed $245,000 WAMLS
• 2026-04-14 Relisted — WAMLS
• 2026-03-24 Pending — WAMLS
• 2026-03-13 Listed $250,000 WAMLS
• 2026-03-12 Relisted — WAMLS
• 2025-12-11 Pending — WAMLS
• 2025-10-08 Relisted — WAMLS
• 2025-10-04 Pending — WAMLS
• 2025-09-08 Price Changed $245,000 WAMLS
• 2025-08-14 Listed $260,000 WAMLS
• 2014-06-03 Sold (Public Records) $158,950 Public Records
• 2014-05-28 Sold (MLS) $149,900 WAMLS
• 2014-02-26 Listed $149,900 WAMLS
• 2011-02-28 Sold (Public Records) $140,251 Public Records
• 2010-06-08 Sold (Public Records) $119,600 Public Records

Property tax history

+4.9%/yr

Latest (2025): $584 · +7.6% YoY. Source: county tax records.