5171 Crowley Dr · Irondale, AL 35210

$244,500

4 bd · 2.0 ba · 2,130 sqft · SingleFamily public records · 16 Days on market

Built 1974 9,583 sqft lot Est $249k · 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).

• Cash flow +15.4/30.0
• ARV discount +8.4/15.0
• DSCR +4.7/10.0
• 1% rule +3.8/10.0
• Livability +3.7/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

PRICE REDUCED!! This home is located in such a desirable area! Close to major interstates, businesses and shopping! Split foyer design with living room, dining room and kitchen just steps apart, which is great for entertaining! All three bedrooms are on the main level with two full baths. Downstairs is a den, full bath, laundry area and one car garage. Don't miss out on this great opportunity! All offers subject to CORP APPROVAL. Property SOLD AS-IS & right of redemption may apply. ANY item of significance to be confirmed by selling agent.

Key facts

• Bonus room
• Private patio area
• All-new flooring

Tags

• OPEN-CONCEPT LIVING ROOM
• COMPLETELY RENOVATED KITCHEN
• ALL-NEW FLOORING
• GENEROUS DEN
• BONUS ROOM
• PRIVATE PATIO AREA

Property features AI

Finance

• Financial info: Quarterly garbage fee ($100)

Exterior

• Parking: Attached garage with front entry; Basement parking; Driveway parking; One garage space
• Utilities: Public water; Connected sewer; Electric water heater; Internet service available
• Home design: Existing home; Siding (vinyl) exterior; Basement foundation; Tri-level: no; Split level: no
• Construction: Vinyl siding
• Exterior features: Open patio; Porch; No pool; No decks; No garden/patio

Interior

• Kitchen: Solid surface countertops; Built-in dishwasher; Electric oven
• Bedrooms: Master bedroom on main level; Additional sleeping/flex areas in basement (bonus, den/family)
• Flooring: Carpet; Hardwood laminate; Tile
• Bathrooms: Three full bathrooms (one on main level, one in basement, master bath on main level); Linen closet
• Heating & cooling: Central heating; Central cooling
• Interior features: Smooth ceilings; Split foyer; Window treatments remain
• Laundry & utility: Laundry in basement with washer hookup and electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $244k.

Deal economics

• At list price, monthly cash flow is $92 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $214k (12.3% below list).
• Recommended offer: $214k (12.3% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 5.1% in Irondale — 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 74/100 on livability (#23 in AL, #4,921 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, amenities 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: Grantswood Community School (math 8% / reading 34%, grade F, #451 of 627 statewide, top 72%, 418 students, 52% FRL); Irondale Middle School (math 2% / reading 35%, grade F, #195 of 257 statewide, top 76%, 467 students, 58% FRL); Shades Valley High School (math 29% / reading 39%, grade F, #53 of 305 statewide, top 18%, 1,200 students, 68% FRL).
• Market conditions: Rents rising fast (+4.2%/yr); 83 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 35% of the median local income ($73k/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.
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($241k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y 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 $25k; list at $244k implies a 878% gain — meaningful room to come down on a strong offer.

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 $214,425 (12.3% below list)

Questions for the listing agent

1. Built in 1974 — 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 D-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. 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?
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: 0.88% ✗
• Cap rate: 6.74%
• Cash-on-cash: 1.61%
• DSCR: 1.07
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $249,210
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5188 Goldmar Dr	0.12mi	3/2.0 (-1)	1,971 (-8%)	1mo	$164,000	$83	76
509 Lasalle Ln	0.29mi	3/2.0 (-1)	2,089 (-2%)	10mo	$280,500	$134	70
760 Nytol Cir	0.11mi	3/2.0 (-1)	2,350 (+10%)	4mo	$325,000	$138	69
5045 Scenic View Dr	0.36mi	3/1.0 (-1)	2,100 (-1%)	5mo	$215,000	$102	68
603 Danton Ln	0.45mi	4/2.0	2,310 (+8%)	1mo	$245,000	$106	64
5038 Juiata Dr	0.51mi	3/2.5 (-1)	2,064 (-3%)	2mo	$285,000	$138	63
5269 Dresden Rd	0.36mi	3/2.0 (-1)	2,308 (+8%)	5mo	$208,000	$90	60
5233 Goldmar Dr	0.25mi	3/2.0 (-1)	2,335 (+10%)	9mo	$273,000	$117	60
5022 Juiata Dr	0.56mi	3/2.0 (-1)	2,229 (+5%)	5mo	$220,000	$99	57
5260 Dresden Rd	0.30mi	3/2.5 (-1)	2,305 (+8%)	13mo	$245,000	$106	54
5052 Ewell Ln	0.47mi	4/2.0	1,814 (-15%)	8mo	$291,000	$160	47
5327 Dixieland Rd	0.60mi	3/2.5 (-1)	1,896 (-11%)	1mo	$240,000	$127	46

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 · 4.18% rent growth · sell at horizon

5-year hold

• IRR: -12.5%
• Equity multiple: 0.54×
• Total profit: $-31,216
• Equity at exit: $36,456

10-year hold

• IRR: -1.8%
• Equity multiple: 0.87×
• Total profit: $-8,911
• Equity at exit: $21,140

Cash invested: $68,460 (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 35210

• Home prices YoY: -32.2%
• Rents YoY: 4.2%
• Active inventory: 83
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,144 high
• Mortgage (P&I): −$1,282
• Tax from tax record: −$218 /mo · $2,617/yr
• Insurance: −$102
• HOA: −$0
• Vacancy / Maint / Mgmt: −$450
• Net cashflow: $92

Break-even live

Break-even rent $2,028

Max offer price $244,500

Occupancy floor 91%

Sensitivity live

Price	-10% $230	-5% $161	+0% $92	+5% $23	+10% $-47
Rent	-10% $-78	-5% $7	+0% $92	+5% $177	+10% $261
Rate	-1.0pp $215	-0.5pp $154	base $92	+0.5pp $28	+1.0pp $-36

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: $61,125
• Closing costs: $7,335
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
509 Ardmore Ln Irondale, AL	3.0	1.5	1408	$1,580	$1.12	4d	1	0.22mi
5232 Beacon Cir Irondale, AL	4.0	2.0	2520	$1,870	$0.74	45d	1	0.28mi
504 Roselle Ln Irondale, AL	3.0	2.0	2162	$1,450	$0.67	4d	1	0.35mi
617 Princess Ln Irondale, AL	3.0	2.0	1662	$1,910	$1.15	3d	1	0.49mi
132 Woodside Dr Irondale, AL	3.0	1.0	1452	$1,595	$1.10	18d	1	0.79mi
3543 Mill Springs Rd Mountain Brk, AL	3.0	2.5	1868	$2,500	$1.34	45d	1	0.86mi
530 Elder St Unit 1 Irondale, AL	3.0	2.0	1700	$2,000	$1.18	45d	1	0.89mi
3560 Great Oak Ln Birmingham, AL	4.0	2.5	1935	$3,200	$1.65	12d	1	1.17mi
4324 Wilderness Rd #4324 Mountain Brook, AL	3.0	2.5	1800	$2,250	$1.25	25d	1	1.38mi
101 Moss Rock Ln Irondale, AL	3.0	3.0	2142	$2,336	$1.09	21d	1	1.49mi

Listing history 11 events

1. 2026-06-22
   days on market $244,500 Active 16 DOM
2. 2026-06-18
   days on market $244,500 Active 13 DOM
3. 2026-06-17
   days on market $244,500 Active 12 DOM
4. 2026-06-16
   days on market $244,500 Active 11 DOM
5. 2026-06-15
   days on market $244,500 Active 10 DOM
6. 2026-06-13
   days on market $244,500 Active 8 DOM
7. 2026-06-10
   days on market $244,500 Active 5 DOM
8. 2026-06-09
   days on market $244,500 Active 4 DOM
9. 2026-06-08
   days on market $244,500 Active 3 DOM
10. 2026-06-07
    remarks 687-char remark
11. 2026-06-07
    listed $244,500 Active 2 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: $2,617 · $218/mo
• Projected year-2 tax: $2,617 · $218/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 2/10 Low
• 🌡 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 5/10 Major 8 unhealthy d/yr today · 10 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,731
• − Mortgage interest: −$13,696
• − Property taxes: −$2,617
• − Insurance: −$1,222
• − Repairs & maintenance: −$2,058
• − Management: −$2,058
• − Depreciation: −$7,113
• Taxable loss: −$3,034
• Est. tax savings @ 24.0%: +$728
• After-tax cash flow: $1,830/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 — Irondale

• Score: 74/100
• State rank: #23
• US rank: #4921

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Irondale, AL
• County: Jefferson County · 527,445 people
• City population: 13,775
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 13,775
• Household income: $73,061
• Rent vs Own: 29.8% rent · 70.2% own
• Severe rent burden: 379.0

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: Majority White (62%)
• Race & ethnicity: White 62% Black 28% Hispanic / Latino 7% Two or more races 6%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 4% Italian 3% Serbian 2%
• Foreign-born: 6% · Canada
• Languages at home: 91% English-only · Spanish 6% Arabic 1% Russian/Polish/Slavic 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: ▼ -109.03%
• Current HPI: 230.033
• Rent YoY: ▲ 4.18%
• 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

+581.1% since first listed

5 events — show timeline

• 2026-06-05 Listed $244,500 Greater Alabama MLS
• 2022-09-15 Price Changed $279,900 Greater Alabama MLS
• 2012-06-29 Sold (MLS) $25,000 Greater Alabama MLS
• 2012-04-05 Listed $19,500 Greater Alabama MLS
• 1974-07-01 Sold (Public Records) $35,900 Public Records

Property tax history

+9.0%/yr

Latest (2025): $2,617 · +0.7% YoY. Source: county tax records.