833 79th St S · Birmingham, AL 35206

$95,000

3 bd · 1.0 ba · 1,195 sqft · SingleFamily public records · 469 Days on market

Built 1954 $79/sqft · 18% below area Est $116k · 18% 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 +27.9/30.0
• ARV discount +15.0/15.0
• DSCR +9.9/10.0
• 1% rule +7.1/10.0
• Livability +3.4/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Urgent! This home * * QUALIFIES NOW * * for the * * "READY TO OWN" * * down payment assistance program—up to * * $10K available! * * Act fast—eligibility requirements apply through Birmingham City and financial institutions. Don’t miss out! This charming dollhouse-style home is ready for its new owners! Featuring a cozy living room with a fireplace, a dining room, and a versatile den/sunroom, this home offers plenty of space to relax and entertain. The eat-in kitchen is perfect for casual meals, and the home includes three bedrooms and 1.5 bathrooms. Beautiful hardwood floors add warmth and character throughout. A full, unfinished basement provides ample storage or potential for customization. Outside, enjoy a spacious backyard, ideal for outdoor gatherings. All appliances, including the washer and dryer, are included. Roof and unit 2020. Property is being sold as-is.

Key facts

• Eat in kitchen
• Dining room
• Den sunroom

Tags

• LIVING ROOM WITH FIREPLACE
• DINING ROOM
• DEN SUNROOM
• EAT IN KITCHEN
• HARDWOOD FLOORS
• FULL UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $293 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $84k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.0% 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: Rents rising (+1.8%/yr); 128 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% 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 33% of the median local income ($43k/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 $657 of loan paydown is wiped out by about $3k 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 + 1.8% rent growth), your $27k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 469 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $45k; list at $95k implies a 111% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• 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 $83,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 469 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 1.21% ✓
• Cap rate: 9.99%
• Cash-on-cash: 13.20%
• DSCR: 1.59
• GRM: 6.9

CMA / ARV

• ARV (median comp): $116,498
• List price: $95,000
• Delta: -18.45%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7915 7th Ave S	0.34mi	3/1.0	1,162 (-3%)	1mo	$85,000	$73	79
816 Vanderbilt St	0.21mi	3/1.0	1,096 (-8%)	3mo	$81,500	$74	74
7830 5th Ave S	0.49mi	3/1.0	1,151 (-4%)	2mo	$142,500	$124	70
758 Vanderbilt St	0.25mi	3/2.0	1,096 (-8%)	3mo	$175,000	$160	68
8020 4th Ave S	0.59mi	3/1.0	1,211 (+1%)	5mo	$84,500	$70	66
7432 Queenstown Ave	0.36mi	3/2.0	1,127 (-6%)	5mo	$179,000	$159	65
740 81st Pl S	0.39mi	2/2.0 (-1)	1,137 (-5%)	1mo	$40,000	$35	64
7705 Belmont Ave	0.37mi	3/1.0	1,324 (+11%)	5mo	$60,000	$45	61
713 77th Pl S	0.40mi	3/1.0	1,364 (+14%)	2mo	$215,000	$158	56
914 83rd St S	0.46mi	3/2.0	1,320 (+10%)	4mo	$90,000	$68	54
617 83rd Pl S	0.68mi	3/1.0	1,344 (+12%)	0mo	$82,000	$61	48
8201 4th Ave S	0.67mi	3/2.0	1,334 (+12%)	0mo	$170,000	$127	45

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 · 1.82% rent growth · sell at horizon

5-year hold

• IRR: 1.9%
• Equity multiple: 1.07×
• Total profit: $1,887
• Equity at exit: $14,165

10-year hold

• IRR: 10.3%
• Equity multiple: 1.76×
• Total profit: $20,197
• Equity at exit: $8,214

Cash invested: $26,600 (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 35206

• Home prices YoY: -32.0%
• Rents YoY: 1.8%
• Active inventory: 128
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,154 high
• Mortgage (P&I): −$498
• Tax from tax record: −$81 /mo · $973/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $293

Break-even live

Break-even rent $783

Max offer price $95,000

Occupancy floor 70%

Sensitivity live

Price	-10% $346	-5% $320	+0% $293	+5% $266	+10% $239
Rent	-10% $202	-5% $247	+0% $293	+5% $338	+10% $384
Rate	-1.0pp $341	-0.5pp $317	base $293	+0.5pp $268	+1.0pp $243

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
832 79th Pl S Birmingham, AL	3.0	1.0	960	$1,250	$1.30	24d	1	0.05mi
7808 Vienna Ave Birmingham, AL	2.0	1.0	904	$850	$0.94	44d	1	0.07mi
7825 Rugby Ct Birmingham, AL	2.0	1.0	929	$875	$0.94	22d	1	0.17mi
836 Vanderbilt St Birmingham, AL	3.0	1.0	1072	$850	$0.79	24d	1	0.18mi
768 80th Pl S Unit 1 Birmingham, AL	3.0	2.0	1134	$1,200	$1.06	44d	1	0.21mi
7827 Rugby Ave Birmingham, AL	3.0	1.0	1365	$850	$0.62	3d	1	0.25mi
7823 Rugby Ave Birmingham, AL	3.0	1.0	1023	$1,175	$1.15	44d	1	0.25mi
8013 Rugby Ave Birmingham, AL	3.0	2.0	1460	$1,150	$0.79	24d	1	0.26mi
756 Vanderbilt St Birmingham, AL	3.0	2.0	1096	$1,000	$0.91	44d	1	0.27mi
764 81st St S Unit B Birmingham, AL	2.0	1.0	800	$800	$1.00	44d	1	0.28mi
775 81st Pl S Birmingham, AL	3.0	1.0	1232	$1,095	$0.89	24d	1	0.34mi
7931 7th Ave S Birmingham, AL	3.0	1.0	1320	$1,450	$1.10	44d	1	0.36mi
735 81st St S Birmingham, AL	3.0	2.0	1224	$1,400	$1.14	24d	1	0.37mi
731 81st St S Birmingham, AL	3.0	1.0	1221	$995	$0.81	11d	1	0.38mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,300	$1.30	44d	1	0.40mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,275	$1.27	3d	1	0.40mi
8122 Rugby Ave Unit B Birmingham, AL	2.0	1.0	900	$795	$0.88	44d	1	0.40mi
7740 Rugby Ave Unit b Birmingham, AL	2.0	1.0	800	$1,100	$1.38	44d	1	0.43mi
7740 Rugby Ave Unit 2 Birmingham, AL	2.0	1.0	800	$1,000	$1.25	44d	1	0.43mi
8229 9th Ave S Birmingham, AL	2.0	1.0	997	$1,195	$1.20	3d	1	0.44mi
7404 Paris Ave Birmingham, AL	3.0	1.5	802	$1,200	$1.50	44d	1	0.46mi
730 82nd Pl S Birmingham, AL	3.0	1.0	896	$1,023	$1.14	3d	1	0.47mi
745 82nd Pl S Birmingham, AL	3.0	2.0	1200	$1,168	$0.97	2d	1	0.48mi
630 77th St S Birmingham, AL	2.0	2.0	1100	$983	$0.89	3d	1	0.48mi
7728 Rugby Ave Birmingham, AL	2.0	1.0	700	$850	$1.21	44d	1	0.49mi
7701 7th Ave S Birmingham, AL	2.0	1.0	800	$850	$1.06	24d	1	0.50mi
514 81st St S Birmingham, AL	4.0	2.0	1174	$1,295	$1.10	44d	1	0.50mi
512 81st St S Birmingham, AL	3.0	1.0	1156	$1,150	$0.99	44d	1	0.51mi
7313 Paris Ave Birmingham, AL	3.0	2.0	1000	$1,395	$1.40	3d	1	0.52mi
8242 Vassar Ave Birmingham, AL	4.0	1.0	1212	$1,100	$0.91	44d	1	0.53mi
7815 4th Ave S Birmingham, AL	3.0	2.0	1496	$1,650	$1.10	2d	1	0.57mi
8035 4th Ave S Birmingham, AL	3.0	2.0	1096	$1,050	$0.96	44d	1	0.59mi
8211 Rugby Ave Birmingham, AL	4.0	1.0	966	$1,250	$1.29	44d	1	0.61mi
7216 Paris Ave Birmingham, AL	3.0	1.5	966	$1,125	$1.16	19d	1	0.63mi
636 83rd Pl S Birmingham, AL	2.0	2.0	1062	$1,175	$1.11	44d	1	0.64mi
7829 3rd Ave S Birmingham, AL	3.0	1.5	1005	$1,025	$1.02	44d	1	0.64mi
7801 3rd Ave S Unit B Birmingham, AL	2.0	1.5	1100	$1,000	$0.91	44d	1	0.65mi
624 83rd Pl S Birmingham, AL	2.0	1.0	780	$975	$1.25	44d	1	0.66mi
8108 4th Ave S Birmingham, AL	3.0	2.0	1384	$1,200	$0.87	44d	1	0.66mi
7213 Naples Ave Birmingham, AL	3.0	1.5	937	$1,100	$1.17	12d	1	0.69mi

Listing history 12 events

1. 2026-06-18
   days on market $95,000 Active 469 DOM
2. 2026-06-17
   days on market $95,000 Active 468 DOM
3. 2026-06-16
   days on market $95,000 Active 467 DOM
4. 2026-06-15
   price $95,000 Active 466 DOM
5. 2026-06-15
   days on market $112,500 Active 466 DOM
6. 2026-06-13
   remarks 677-char remark
7. 2026-06-13
   statusdays on market $112,500 Active 464 DOM
8. 2026-05-17
   status Pending 921-char remark

   Show marketing remark (921 chars)

   Urgent! This home * * QUALIFIES NOW * * for the * * "READY TO OWN" * * down payment assistance program—up to * * $10K available! * * Act fast—eligibility requirements apply through Birmingham City and financial institutions. Don’t miss out! This charming dollhouse-style home is ready for its new owners! Featuring a cozy living room with a fireplace, a dining room, and a versatile den/sunroom, this home offers plenty of space to relax and entertain. The eat-in kitchen is perfect for casual meals, and the home includes three bedrooms and 1.5 bathrooms. Beautiful hardwood floors add warmth and character throughout. A full, unfinished basement provides ample storage or potential for customization. Outside, enjoy a spacious backyard, ideal for outdoor gatherings. All appliances, including the washer and dryer, are included. Roof and unit 2020. Property is being sold as-is.

9. 2026-02-24
   price $112,500 921-char remark

   Show marketing remark (921 chars)

   Urgent! This home * * QUALIFIES NOW * * for the * * "READY TO OWN" * * down payment assistance program—up to * * $10K available! * * Act fast—eligibility requirements apply through Birmingham City and financial institutions. Don’t miss out! This charming dollhouse-style home is ready for its new owners! Featuring a cozy living room with a fireplace, a dining room, and a versatile den/sunroom, this home offers plenty of space to relax and entertain. The eat-in kitchen is perfect for casual meals, and the home includes three bedrooms and 1.5 bathrooms. Beautiful hardwood floors add warmth and character throughout. A full, unfinished basement provides ample storage or potential for customization. Outside, enjoy a spacious backyard, ideal for outdoor gatherings. All appliances, including the washer and dryer, are included. Roof and unit 2020. Property is being sold as-is.

10. 2025-06-21
    price $122,500 921-char remark

    Show marketing remark (921 chars)

    Urgent! This home * * QUALIFIES NOW * * for the * * "READY TO OWN" * * down payment assistance program—up to * * $10K available! * * Act fast—eligibility requirements apply through Birmingham City and financial institutions. Don’t miss out! This charming dollhouse-style home is ready for its new owners! Featuring a cozy living room with a fireplace, a dining room, and a versatile den/sunroom, this home offers plenty of space to relax and entertain. The eat-in kitchen is perfect for casual meals, and the home includes three bedrooms and 1.5 bathrooms. Beautiful hardwood floors add warmth and character throughout. A full, unfinished basement provides ample storage or potential for customization. Outside, enjoy a spacious backyard, ideal for outdoor gatherings. All appliances, including the washer and dryer, are included. Roof and unit 2020. Property is being sold as-is.

11. 2025-02-08
    listed $142,500 Active 921-char remark

    Show marketing remark (921 chars)

    Urgent! This home * * QUALIFIES NOW * * for the * * "READY TO OWN" * * down payment assistance program—up to * * $10K available! * * Act fast—eligibility requirements apply through Birmingham City and financial institutions. Don’t miss out! This charming dollhouse-style home is ready for its new owners! Featuring a cozy living room with a fireplace, a dining room, and a versatile den/sunroom, this home offers plenty of space to relax and entertain. The eat-in kitchen is perfect for casual meals, and the home includes three bedrooms and 1.5 bathrooms. Beautiful hardwood floors add warmth and character throughout. A full, unfinished basement provides ample storage or potential for customization. Outside, enjoy a spacious backyard, ideal for outdoor gatherings. All appliances, including the washer and dryer, are included. Roof and unit 2020. Property is being sold as-is.

12. 1988-02-08
    soldstatus $45,000

ⓘ 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: $973 · $81/mo
• Projected year-2 tax: $973 · $81/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 ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,846
• − Mortgage interest: −$5,321
• − Property taxes: −$973
• − Insurance: −$475
• − Repairs & maintenance: −$1,108
• − Management: −$1,108
• − Depreciation: −$2,764
• Taxable income: $2,098
• Est. tax owed @ 24.0%: −$503
• After-tax cash flow: $3,009/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): 15,621
• Household income: $42,549
• Rent vs Own: 51.1% rent · 48.9% own
• Severe rent burden: 1169.0

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 (73%)
• Race & ethnicity: Black 73% White 22% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 0%

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: ▼ -68.70%
• Current HPI: 146.2168
• Rent YoY: ▲ 1.82%
• 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

+150.0% since first listed

5 events — show timeline

• 2026-05-17 Pending — Greater Alabama MLS
• 2026-02-24 Price Changed $112,500 Greater Alabama MLS
• 2025-06-21 Price Changed $122,500 Greater Alabama MLS
• 2025-02-08 Listed $142,500 Greater Alabama MLS
• 1988-02-08 Sold (Public Records) $45,000 Public Records

Property tax history

+15.8%/yr

Latest (2025): $973 · +19.2% YoY. Source: county tax records.