The Hampton Brunswick Ave · Kimberly, AL 35091

$266,900

4 bd · 2.0 ba · 1,754 sqft · SingleFamily · 85 Days on market

Built 2026 Good condition 10,018 sqft lot 2-car garage $152/sqft · at area comps Est $279k · 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
• ARV discount +9.5/15.0
• Cash flow +7.9/30.0
• Condition / age +4.0/5.0
• Livability +3.3/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• 1% rule +2.4/10.0
• DSCR +2.0/10.0

Listing remarks

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.

Key facts

• Covered porch
• Open floor plan
• Covered patio

Tags

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

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $267k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-347 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $217k (18.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $198k (25.8% below list).
• Recommended offer: $198k (25.8% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 3.8% in Kimberly — 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 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: 150 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $29k of equity ($2k loan paydown + $27k 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 ~$46k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 85 days — a 6% lower offer ($251k) is reasonable based on typical stale-listing flexibility.

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 $198,000 (25.8% 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. It's been on market 85 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 0.74% ✗
• Cap rate: 5.03%
• Cash-on-cash: -4.50%
• DSCR: 0.80
• GRM: 11.2

CMA / ARV

• ARV (median comp): $279,039
• List price: $266,900
• Delta: -4.35%
• 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
9355 Brunswick Ave	0.02mi	3/2.0 (-1)	1,740 (-1%)	0mo	$270,155	$155	93
9347 Brunswick Ave	0.02mi	3/2.0 (-1)	1,740 (-1%)	2mo	$268,640	$154	92
9339 Brunswick Ave	0.02mi	3/2.0 (-1)	1,740 (-1%)	2mo	$260,945	$150	92
9344 Brunswick Ave	0.05mi	3/2.0 (-1)	1,740 (-1%)	0mo	$289,995	$167	91
9332 Brunswick Ave	0.06mi	3/2.0 (-1)	1,740 (-1%)	5mo	$279,195	$160	87
9351 Brunswick Ave	0.02mi	3/2.5 (-1)	1,933 (+10%)	0mo	$276,995	$143	75
9510 Pharris Ln	0.33mi	3/2.0 (-1)	1,753 (-0%)	5mo	$267,000	$152	75
9340 Brunswick Ave	0.02mi	3/2.5 (-1)	1,933 (+10%)	3mo	$288,625	$149	73
9312 Brunswick Ave	0.00mi	3/2.5 (-1)	1,933 (+10%)	5mo	$275,995	$143	72
9331 Brunswick Ave	0.02mi	3/2.0 (-1)	1,535 (-12%)	3mo	$252,685	$165	71
1708 Bone Dry Rd	0.53mi	3/2.0 (-1)	1,748 (-0%)	6mo	$287,000	$164	65
2004 Darwin Cir	0.41mi	3/2.0 (-1)	1,610 (-8%)	3mo	$295,000	$183	60

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: $123,347
• Equity at exit: $240,445

10-year hold

• IRR: 18.6%
• Equity multiple: 6.09×
• Total profit: $380,745
• Equity at exit: $518,528

Cash invested: $74,732 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 12 active · 21 under contract
• Months of supply: 4.8 mo (21%/mo absorbed)
• Median asking: $266,490 ($143/sqft)
• Median days on market: 235 d
• This list price: 50% of active listings are priced below it
• ARV vs active asking: +11.2% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 35091

• Home prices YoY: 8.8%
• Active inventory: 150
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $1,980 medium
• Mortgage (P&I): −$1,400
• Tax est. 1.5%: −$334 /mo · $4,004/yr
• Insurance: −$111
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$416
• Net cashflow: $-347

Break-even live

Break-even rent $2,419

Max offer price $216,726

Occupancy floor —

Sensitivity live

Price	-10% $-162	-5% $-255	+0% $-347	+5% $-439	+10% $-531
Rent	-10% $-503	-5% $-425	+0% $-347	+5% $-269	+10% $-190
Rate	-1.0pp $-212	-0.5pp $-279	base $-347	+0.5pp $-416	+1.0pp $-486

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: $66,725
• Closing costs: $8,007
• Club membership (one-time): —
• 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	$1,980	$0.88	25d	1	1.48mi

Property features AI

Exterior

• Parking: Front garage entryAttached 2-car garage
• Utilities: Public waterConnected sewerGas water heaterUnderground utilitiesInternet service availability unknown
• Home design: Proposed constructionBrick over foundation with Hardiplank sidingSingle-story living areas (all main-level rooms listed)
• Construction: Slab foundation
• Exterior features: Located in a subdivisionNo waterfront, pool, patio, deck, or garden/patio listedUnderground utilitiesFlood plain: No

Interior

• Kitchen: Stone countertops in the kitchenSome stainless steel appliances included
• Bedrooms: Master bedroom on main levelThree additional bedrooms on main level
• Flooring: CarpetHardwood laminateVinyl
• Bathrooms: Two full bathroomsMaster bath with separate shower and garden tubSecondary bath with tub/shower comboLinen closet
• Heating & cooling: Gas heatingCentral air conditioning
• Interior features: 9-foot or higher ceilings with smooth and trey ceiling detailsNo additional built-in interior features listed
• Laundry & utility: Main-level laundry roomWasher hookup and electric dryer hookup

Listing history 50 events

1. 2026-08-08
   days on market $266,900 Active 85 DOM
2. 2026-08-07
   days on market $266,900 Active 84 DOM
3. 2026-08-06
   days on market $266,900 Active 83 DOM
4. 2026-08-05
   days on market $266,900 Active 82 DOM
5. 2026-08-04
   days on market $266,900 Active 81 DOM
6. 2026-08-03
   days on market $266,900 Active 80 DOM
7. 2026-07-31
   days on market $266,900 Active 77 DOM
8. 2026-07-30
   days on market $266,900 Active 75 DOM
9. 2026-07-28
   days on market $266,900 Active 74 DOM
10. 2026-07-26
    days on market $266,900 Active 72 DOM
11. 2026-07-24
    days on market $266,900 Active 70 DOM
12. 2026-07-23
    days on market $266,900 Active 69 DOM
13. 2026-07-22
    days on market $266,900 Active 68 DOM
14. 2026-07-21
    days on market $266,900 Active 67 DOM
15. 2026-07-20
    days on market $266,900 Active 66 DOM
16. 2026-07-19
    days on market $266,900 Active 64 DOM
17. 2026-07-18
    days on market $266,900 Active 63 DOM
18. 2026-07-16
    days on market $266,900 Active 62 DOM
19. 2026-07-15
    days on market $266,900 Active 61 DOM
20. 2026-07-14
    days on market $266,900 Active 60 DOM
21. 2026-07-13
    days on market $266,900 Active 59 DOM
22. 2026-07-13
    days on market $266,900 Active 58 DOM
23. 2026-07-11
    days on market $266,900 Active 57 DOM
24. 2026-07-10
    days on market $266,900 Active 56 DOM
25. 2026-07-09
    days on market $266,900 Active 55 DOM
26. 2026-07-07
    days on market $266,900 Active 53 DOM
27. 2026-07-06
    days on market $266,900 Active 52 DOM
28. 2026-07-05
    days on market $266,900 Active 51 DOM
29. 2026-07-03
    days on market $266,900 Active 49 DOM
30. 2026-07-02
    days on market $266,900 Active 48 DOM
31. 2026-07-01
    days on market $266,900 Active 47 DOM
32. 2026-06-30
    days on market $266,900 Active 46 DOM
33. 2026-06-29
    days on market $266,900 Active 45 DOM
34. 2026-06-28
    days on market $266,900 Active 44 DOM
35. 2026-06-27
    days on market $266,900 Active 43 DOM
36. 2026-06-27
    days on market $266,900 Active 42 DOM
37. 2026-06-25
    days on market $266,900 Active 40 DOM
38. 2026-06-22
    days on market $266,900 Active 38 DOM
39. 2026-06-22
    days on market $266,900 Active 37 DOM
40. 2026-06-18
    days on market $266,900 Active 34 DOM
41. 2026-06-17
    days on market $266,900 Active 33 DOM
42. 2026-06-16
    days on market $266,900 Active 32 DOM
43. 2026-06-15
    days on market $266,900 Active 31 DOM
44. 2026-06-13
    days on market $266,900 Active 29 DOM
45. 2026-06-10
    days on market $266,900 Active 26 DOM
46. 2026-06-09
    days on market $266,900 Active 25 DOM
47. 2026-06-08
    days on market $266,900 Active 24 DOM
48. 2026-06-07
    days on market $266,900 Active 23 DOM
49. 2026-06-03
    days on market $266,900 Active 19 DOM
50. 2026-06-02
    days on market $266,900 Active 18 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 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: $23,760
• − Mortgage interest: −$14,951
• − Property taxes: −$4,004
• − Insurance: −$2,132
• − Repairs & maintenance: −$1,901
• − Management: −$1,901
• − Depreciation: −$7,764
• Taxable loss: −$8,892
• Est. tax savings @ 24.0%: +$2,134
• After-tax cash flow: $-2,027/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.

Condition & rehab AI · 13 photos

Good 80/100 None rehab

This single-family home is in excellent condition with no visible repairs needed. It offers a good investment opportunity with potential for modest improvements to enhance its curb appeal and value.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and value ↑
• Both Landscaping the front yard — Improves curb appeal and enhances property value ↑
• Resale Upgrading the kitchen backsplash — Modernizes the kitchen and adds value ↑
• Both Installing smart home features — Enhances convenience and adds value ↑

F Composite school gradezoned avg 26/100

Zoned Schools

Elementary Bryant Park Elementary F AL #411/627 Nat'l #29,743/41,679 Middle North Jefferson Middle School F AL #134/257 Nat'l #9,290/14,009 High Mortimer Jordan High School F AL #114/305 Nat'l #12,347/17,239

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

C Composite livability gradescore 66/100

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
• County: Jefferson · 669,185 people
• Metro: Birmingham, AL
• Population (ZIP): 3,632
• Household income: $93,444
• Rent vs Own: 5.7% rent · 94.3% own

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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%

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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%

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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

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Property features AI

Exterior

• Parking: Front garage entryAttached 2-car garage
• Utilities: Public waterConnected sewerGas water heaterUnderground utilitiesInternet service availability unknown
• Home design: Proposed constructionBrick over foundation with Hardiplank sidingSingle-story living areas (all main-level rooms listed)
• Construction: Slab foundation
• Exterior features: Located in a subdivisionNo waterfront, pool, patio, deck, or garden/patio listedUnderground utilitiesFlood plain: No

Interior

• Kitchen: Stone countertops in the kitchenSome stainless steel appliances included
• Bedrooms: Master bedroom on main levelThree additional bedrooms on main level
• Flooring: CarpetHardwood laminateVinyl
• Bathrooms: Two full bathroomsMaster bath with separate shower and garden tubSecondary bath with tub/shower comboLinen closet
• Heating & cooling: Gas heatingCentral air conditioning
• Interior features: 9-foot or higher ceilings with smooth and trey ceiling detailsNo additional built-in interior features listed
• Laundry & utility: Main-level laundry roomWasher hookup and electric dryer hookup

Price history

1 event — show timeline

• 2026-05-15 Listed $266,900 Greater Alabama MLS