522 64th St · Fairfield, AL 35064

$65,000

2 bd · 1.0 ba · 925 sqft · SingleFamily public records · 5 Days on market

Built 1966 6,969 sqft lot Est $48k · 35% over

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Why this score? — see what drove the C 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Great investment opportunity! This 3-bedroom, 1-bath home offers strong rental potential with estimated market rent of $1,200/month. Roof replaced in 2021. Previously occupied by an elderly couple and well maintained, the home needs cosmetic updates to reach its full potential. Ideal for investors or buyers looking to add value.

Key facts

• Roof replaced
• 6,969 sq ft lot
• Built 1966

Tags

• INVESTMENT OPPORTUNITY
• STRONG RENTAL POTENTIAL
• ROOF REPLACED

Property features AI

Finance

• Other: Lot size approximately 0.16 acres; Located in the Fairfield subdivision
• Financial info: No investor or income/expense information provided
• HOA & community: No association fee

Exterior

• Parking: On-street parking
• Security: No security features listed
• Utilities: Public water; Connected sewer; Electric water heater; Underground utilities; Internet service available
• Home design: Existing property; Four-sided brick construction
• Construction: Crawl space foundation
• Exterior features: No pool, patio, decks, or garden/patio listed; Not waterfront

Interior

• Kitchen: Tile countertops; Kitchen on the main level
• Bedrooms: Three bedrooms on the main level
• Flooring: Hardwood floors
• Bathrooms: One full bathroom with tub/shower combo
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Smooth ceilings; No additional interior features listed
• Laundry & utility: Laundry on the main level; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $332 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($988 rent vs $65k).
• Cap rate 12.4% vs local median 10.2% in Fairfield — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 64/100 on livability (#160 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, amenities F, employment F.
• Fairfield City (suburban): math 2% / reading 15% proficiency, ranked #125 of 129 in AL (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 84% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Robinson Primary School (math 2% / reading 22%, grade F, #536 of 627 statewide, top 88%, 245 students, 89% FRL) — zoned schools at 89% FRL track the district average.
• Market conditions: 52 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 69% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $449 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 + 3.0% rent growth), your $18k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $52k; 24% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $65,000

Questions for the listing agent

1. Built in 1966 — 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. Crime grade is D 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. 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: 1.52% ✓
• Cap rate: 12.42%
• Cash-on-cash: 21.87%
• DSCR: 1.97
• GRM: 5.5

CMA / ARV

• ARV (on-the-fly): $48,100
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5704 Myron Massey Blvd	0.33mi	2/1.0	894 (-3%)	5mo	$35,000	$39	75
616 62nd St	0.13mi	3/1.0 (+1)	1,008 (+9%)	7mo	$47,500	$47	68
712 61st St	0.21mi	2/1.0	1,008 (+9%)	14mo	$3,000	$3	63
4944 Court G	0.61mi	2/1.0	869 (-6%)	1mo	$21,000	$24	60
721 51st St	0.63mi	2/1.0	962 (+4%)	7mo	$67,000	$70	58
5520 Avenue J	0.62mi	2/1.0	916 (-1%)	21mo	$48,000	$52	52
5512 Terrace J	0.72mi	3/1.0 (+1)	972 (+5%)	3mo	$22,000	$23	50
1100 Pineview Rd	0.70mi	2/1.0	842 (-9%)	5mo	$106,000	$126	48
4925 Court G	0.67mi	2/1.0	966 (+4%)	21mo	$53,000	$55	44
210 Hardy St	0.73mi	2/1.0	872 (-6%)	21mo	$35,000	$40	39
5621 Terrace J	0.71mi	3/1.0 (+1)	999 (+8%)	22mo	$60,000	$60	30
365 Midwood Ave	0.74mi	3/1.0 (+1)	1,049 (+13%)	20mo	$75,000	$71	21

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 14.5%
• Equity multiple: 1.58×
• Total profit: $10,603
• Equity at exit: $9,692

10-year hold

• IRR: 23.3%
• Equity multiple: 3.00×
• Total profit: $36,490
• Equity at exit: $5,620

Cash invested: $18,200 (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 35064

• Home prices YoY: -28.8%
• Active inventory: 52
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $988 high
• Mortgage (P&I): −$341
• Tax est. 1.5%: −$81 /mo · $975/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$208
• Net cashflow: $332

Break-even live

Break-even rent $569

Max offer price $65,000

Occupancy floor 61%

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
125 Jerry Coleman St Fairfield, AL	2.0	1.0	715	$725	$1.01	44d	1	0.41mi
5503 Myron Massey Blvd Fairfield, AL	3.0	2.0	1119	$1,200	$1.07	44d	1	0.42mi
5712 Monte Sano Rd Birmingham, AL	2.0	1.0	700	$900	$1.29	44d	1	0.56mi
1045 57th St Birmingham, AL	1.0	1.0	700	$775	$1.11	44d	1	0.64mi
410 54th St Fairfield, AL	2.0	1.0	1068	$700	$0.66	3d	1	0.65mi
340 McPherson Ave Birmingham, AL	2.0	1.0	924	$910	$0.98	44d	1	0.65mi
5710 Monte Sano Dr Birmingham, AL	2.0	1.0	700	$950	$1.36	44d	1	0.66mi
336 McPherson Ave Birmingham, AL	3.0	1.0	1094	$1,100	$1.01	24d	1	0.66mi
1317 Woodward Rd Birmingham, AL	2.0	1.0	672	$800	$1.19	2d	1	0.76mi
1272 Meadow Ln Birmingham, AL	2.0	1.0	744	$800	$1.08	44d	1	0.82mi
1376 Creel Ct Birmingham, AL	3.0	1.0	1008	$1,000	$0.99	44d	1	0.82mi
5714 Court M Unit 5720 Birmingham, AL	1.0	1.0	600	$700	$1.17	44d	1	0.84mi
1112 S Gale Dr Birmingham, AL	3.0	1.5	1053	$1,175	$1.12	44d	1	0.91mi
1340 Pineview Rd Birmingham, AL	3.0	2.0	1116	$1,075	$0.96	44d	1	0.93mi
1433 Rayfield Dr Birmingham, AL	3.0	1.0	1064	$950	$0.89	44d	1	0.94mi
813 46th St Fairfield, AL	2.0	1.0	1100	$825	$0.75	10d	1	0.94mi
920 47th Street Ensley Birmingham, AL	3.0	1.0	1070	$895	$0.84	3d	1	0.96mi
1417 Brighton Rd Birmingham, AL	3.0	2.0	1048	$1,200	$1.15	44d	1	1.01mi
621 Valley Rd Fairfield, AL	2.0	1.0	935	$900	$0.96	44d	1	1.07mi
5725 Avenue O Unit O Birmingham, AL	3.0	1.0	957	$1,073	$1.12	24d	1	1.08mi
5717 Avenue O Unit O Birmingham, AL	3.0	2.0	1029	$1,250	$1.21	44d	1	1.08mi
6516 Millard Fuller Rd Fairfield, AL	3.0	1.5	1120	$950	$0.85	3d	1	1.10mi
1309 41st St Fairfield, AL	3.0	1.0	1070	$1,200	$1.12	44d	1	1.16mi
5516 Avenue P Birmingham, AL	2.0	1.0	888	$1,000	$1.13	44d	1	1.20mi
931 41st Street Ensley Birmingham, AL	2.0	1.5	1048	$995	$0.95	3d	1	1.21mi
1429 47th Street Ensley Unit ENSLEY Birmingham, AL	2.0	1.0	768	$750	$0.98	44d	1	1.27mi
517 Grant St Birmingham, AL	3.0	1.0	912	$850	$0.93	24d	1	1.28mi
5832 Court Q Birmingham, AL	3.0	1.0	912	$950	$1.04	44d	1	1.32mi
518 41st St Fairfield, AL	3.0	2.0	1095	$1,200	$1.10	44d	1	1.34mi
5820 Court Q Birmingham, AL	3.0	1.0	902	$1,200	$1.33	44d	1	1.34mi
708 40th St Fairfield, AL	2.0	1.0	788	$650	$0.82	44d	1	1.34mi
1721 Collier Dr Birmingham, AL	2.0	1.0	925	$800	$0.86	44d	1	1.36mi
1012 33rd St SW Birmingham, AL	1.0–2.0	1.0–2.0	800	$750	$0.94	3d	1	1.37mi
5219 Court Q Birmingham, AL	3.0	2.0	1082	$1,200	$1.11	19d	1	1.44mi
5320 Ter Q Unit Q Birmingham, AL	3.0	2.0	1116	$1,250	$1.12	44d	1	1.46mi

Listing history 6 events

1. 2026-06-18
   days on market $65,000 Active 5 DOM
2. 2026-06-17
   days on market $65,000 Active 4 DOM
3. 2026-06-16
   days on market $65,000 Active 3 DOM
4. 2026-06-15
   days on market $65,000 Active 2 DOM
5. 2026-06-13
   remarks 330-char remark
6. 2026-06-13
   listed $65,000 Active 1 DOM

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°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: $11,861
• − Mortgage interest: −$3,641
• − Property taxes: −$975
• − Insurance: −$325
• − Repairs & maintenance: −$949
• − Management: −$949
• − Depreciation: −$1,891
• Taxable income: $3,131
• Est. tax owed @ 24.0%: −$751
• After-tax cash flow: $3,228/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: Fairfield City
• NCES district ID: 0101440
• Math proficiency: 2% ▼ -18.00%
• Reading proficiency: 15% ▼ -4.00%
• Median HH income: $35,288
• Composite: 6.92/100
• National rank: #9974
• State rank: #125 of 129 in AL

Livability — Fairfield

• Score: 64/100
• State rank: #160
• US rank: #14390

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fairfield, AL
• County: Jefferson County · 527,445 people
• City population: 9,872
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 9,872
• Household income: $48,692
• Rent vs Own: 40.5% rent · 59.5% own
• Severe rent burden: 784.0

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 (91%)
• Race & ethnicity: Black 91% White 7% Two or more races 2%
• Foreign-born: 1% · Canada
• Languages at home: 99% 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: ▼ -50.47%
• Current HPI: 124.7012
• 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

+23.8% since first listed

2 events — show timeline

• 2026-06-13 Listed $65,000 Greater Alabama MLS
• 2025-10-01 Sold (Public Records) $52,500 Public Records