5312 Court G · Fairfield, AL 35064

$65,000

2 bd · 2.0 ba · 1,248 sqft · SingleFamily public records · 632 Days on market

Built 1960 5,227 sqft lot $52/sqft · 8% below area Est $70k · 8% under ↓ 35% since listing

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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 +30.0/30.0
• ARV discount +10.9/15.0
• 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
• Appreciation +0.0/10.0

Listing remarks MLS

This is a great opportunity to own a full brick, one level home at a low cost. Whether you are an investor or looking for a home to live in, this could be the one you have been waiting on. Come on out and look.

Key facts

• One level
• Full brick home
• 5,227 sq ft lot

Tags

• FULL BRICK HOME
• ONE LEVEL

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $346 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Recommended offer: $57k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.7% 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+, schools F, amenities 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.
• Market conditions: 52 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); 62% 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

• It's been on market 632 days — a 12% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $35k (35%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $57,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 632 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 1960 — 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 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?
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: 1.64% ✓
• Cap rate: 12.69%
• Cash-on-cash: 22.84%
• DSCR: 2.02
• GRM: 5.1

CMA / ARV

• ARV (median comp): $70,315
• List price: $65,000
• Delta: -7.56%
• 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
5219 Court G	0.05mi	3/1.0 (+1)	1,140 (-9%)	4mo	$47,000	$41	71
405 55th St	0.37mi	3/2.0 (+1)	1,207 (-3%)	2mo	$99,000	$82	71
821 46th St	0.44mi	3/1.0 (+1)	1,254 (+0%)	0mo	$116,000	$93	70
704 61st St	0.32mi	3/1.0 (+1)	1,184 (-5%)	3mo	$88,500	$75	65
513 Lloyd Noland Pkwy	0.50mi	3/1.5 (+1)	1,212 (-3%)	3mo	$77,900	$64	62
1105 50th St Ensley	0.51mi	3/1.0 (+1)	1,204 (-4%)	5mo	$106,000	$88	57
1037 W 51st St	0.41mi	3/2.0 (+1)	1,392 (+12%)	3mo	$174,000	$125	54
1112 47th St	0.63mi	2/1.0	1,166 (-7%)	5mo	$83,000	$71	52
117 62nd St	0.73mi	2/1.0	1,220 (-2%)	9mo	$61,000	$50	51
109 60th St	0.69mi	2/2.0	1,148 (-8%)	4mo	$86,850	$76	50
940 47th Street Ensley	0.47mi	3/1.0 (+1)	1,100 (-12%)	0mo	$49,000	$45	49
5314 Belrosa Ter	0.65mi	2/1.0	1,078 (-14%)	6mo	$25,000	$23	38

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: 15.8%
• Equity multiple: 1.64×
• Total profit: $11,576
• Equity at exit: $9,692

10-year hold

• IRR: 24.5%
• Equity multiple: 3.12×
• Total profit: $38,672
• 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: 5.1×

Monthly cashflow live

• Estimated rent: $1,064 high
• Mortgage (P&I): −$341
• Tax from tax record: −$127 /mo · $1,518/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$224
• Net cashflow: $346

Break-even live

Break-even rent $626

Max offer price $65,000

Occupancy floor 62%

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 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5219 Court G Unit G Fairfield, AL	3.0	1.0	1140	$950	$0.83	23d	1	0.03mi
5406 Court G Unit G Fairfield, AL	3.0	2.0	1449	$1,199	$0.83	12d	1	0.05mi
5503 Myron Massey Blvd Fairfield, AL	3.0	2.0	1119	$1,200	$1.07	44d	1	0.12mi
829 51st Street Ensley Birmingham, AL	3.0	1.0	1203	$1,340	$1.11	3d	1	0.15mi
5316 Court I Birmingham, AL	3.0	2.0	1284	$1,200	$0.93	44d	1	0.21mi
704 61st St Fairfield, AL	3.0	1.0	1184	$1,050	$0.89	23d	1	0.34mi
5712 Monte Sano Rd Birmingham, AL	2.0	1.0	700	$900	$1.29	44d	1	0.34mi
410 54th St Fairfield, AL	2.0	1.0	1068	$700	$0.66	3d	1	0.39mi
813 46th St Fairfield, AL	2.0	1.0	1100	$825	$0.75	10d	1	0.41mi
1045 57th St Birmingham, AL	1.0	1.0	700	$775	$1.11	44d	1	0.42mi
920 47th Street Ensley Birmingham, AL	3.0	1.0	1070	$895	$0.84	3d	1	0.42mi
5710 Monte Sano Dr Birmingham, AL	2.0	1.0	700	$950	$1.36	44d	1	0.46mi
518 Oak Pl Fairfield, AL	3.0	1.0	1236	$875	$0.71	19d	1	0.48mi
435 62nd St Fairfield, AL	3.0	2.0	1249	$985	$0.79	44d	1	0.51mi
1037 47th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1299	$1,000	$0.77	44d	1	0.54mi
5001 Farrell Ave Fairfield, AL	2.0	1.0	1218	$995	$0.82	44d	1	0.56mi
502 64th St Fairfield, AL	3.0	1.0	1250	$695	$0.56	44d	1	0.56mi
621 Valley Rd Fairfield, AL	2.0	1.0	935	$900	$0.96	44d	1	0.58mi
209 58th St Fairfield, AL	3.0	2.0	1468	$1,200	$0.82	44d	1	0.60mi
1112 47th St W Birmingham, AL	2.0	1.0	1166	$975	$0.84	44d	1	0.61mi
1309 41st St Fairfield, AL	3.0	1.0	1070	$1,200	$1.12	44d	1	0.64mi
931 41st Street Ensley Birmingham, AL	2.0	1.5	1048	$995	$0.95	3d	1	0.68mi
728 41st St Fairfield, AL	3.0	1.0	1316	$1,100	$0.84	44d	1	0.75mi
125 Jerry Coleman St Fairfield, AL	2.0	1.0	715	$725	$1.01	44d	1	0.77mi
1410 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1200	$1,000	$0.83	44d	1	0.83mi
1429 47th Street Ensley Unit ENSLEY Birmingham, AL	2.0	1.0	768	$750	$0.98	44d	1	0.83mi
1340 Pineview Rd Birmingham, AL	3.0	2.0	1116	$1,075	$0.96	44d	1	0.85mi
708 40th St Fairfield, AL	2.0	1.0	788	$650	$0.82	44d	1	0.85mi
1272 Meadow Ln Birmingham, AL	2.0	1.0	744	$800	$1.08	44d	1	0.87mi
5717 Avenue O Unit O Birmingham, AL	3.0	2.0	1029	$1,250	$1.21	44d	1	0.88mi
5725 Avenue O Unit O Birmingham, AL	3.0	1.0	957	$1,073	$1.12	23d	1	0.88mi
518 41st St Fairfield, AL	3.0	2.0	1095	$1,200	$1.10	44d	1	0.89mi
5808 Court O Birmingham, AL	3.0	1.5	1227	$1,100	$0.90	44d	1	0.94mi
5516 Avenue P Birmingham, AL	2.0	1.0	888	$1,000	$1.13	44d	1	0.94mi
1515 45th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1440	$875	$0.61	3d	1	0.95mi
1509 44th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.5	1260	$1,123	$0.89	12d	1	0.98mi
1556 Burgin Ave Birmingham, AL	3.0	1.0	1168	$1,100	$0.94	21d	1	0.98mi
5713 Avenue P Unit P Birmingham, AL	3.0	1.0	1300	$1,100	$0.85	19d	1	0.99mi
1632 51st St W Birmingham, AL	3.0	1.0	1337	$1,000	$0.75	2d	1	1.03mi
1632 51st Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1337	$1,100	$0.82	44d	1	1.03mi

Listing history 18 events

1. 2026-06-18
   days on market $65,000 Active 632 DOM
2. 2026-06-17
   days on market $65,000 Active 631 DOM
3. 2026-06-16
   days on market $65,000 Active 630 DOM
4. 2026-06-15
   days on market $65,000 Active 629 DOM
5. 2026-06-13
   days on market $65,000 Active 627 DOM
6. 2026-06-10
   days on market $65,000 Active 624 DOM
7. 2026-06-09
   days on market $65,000 Active 623 DOM
8. 2026-06-08
   days on market $65,000 Active 622 DOM
9. 2026-06-07
   days on market $65,000 Active 621 DOM
10. 2026-06-03
    days on market $65,000 Active 617 DOM
11. 2026-06-02
    days on market $65,000 Active 616 DOM
12. 2026-06-01
    days on market $65,000 Active 615 DOM
13. 2026-05-31
    days on market $65,000 Active 614 DOM
14. 2026-04-04
    price $65,000 210-char remark

    Show marketing remark (210 chars)

    This is a great opportunity to own a full brick, one level home at a low cost. Whether you are an investor or looking for a home to live in, this could be the one you have been waiting on. Come on out and look.

15. 2025-09-23
    price $83,900 210-char remark

    Show marketing remark (210 chars)

    This is a great opportunity to own a full brick, one level home at a low cost. Whether you are an investor or looking for a home to live in, this could be the one you have been waiting on. Come on out and look.

16. 2025-03-28
    status Active 210-char remark

    Show marketing remark (210 chars)

    This is a great opportunity to own a full brick, one level home at a low cost. Whether you are an investor or looking for a home to live in, this could be the one you have been waiting on. Come on out and look.

17. 2025-01-31
    historical Contingent 210-char remark

    Show marketing remark (210 chars)

    This is a great opportunity to own a full brick, one level home at a low cost. Whether you are an investor or looking for a home to live in, this could be the one you have been waiting on. Come on out and look.

18. 2024-09-24
    listed $99,900 Active 210-char remark

    Show marketing remark (210 chars)

    This is a great opportunity to own a full brick, one level home at a low cost. Whether you are an investor or looking for a home to live in, this could be the one you have been waiting on. Come on out and look.

ⓘ 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: $1,518 · $127/mo
• Projected year-2 tax: $1,518 · $127/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 1/10 Low
• 🌡 Heat 6/10 Major 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: $12,774
• − Mortgage interest: −$3,641
• − Property taxes: −$1,518
• − Insurance: −$325
• − Repairs & maintenance: −$1,022
• − Management: −$1,022
• − Depreciation: −$1,891
• Taxable income: $3,355
• Est. tax owed @ 24.0%: −$805
• After-tax cash flow: $3,352/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

-34.9% since first listed

5 events — show timeline

• 2026-04-04 Price Changed $65,000 Greater Alabama MLS
• 2025-09-23 Price Changed $83,900 Greater Alabama MLS
• 2025-03-28 Relisted — Greater Alabama MLS
• 2025-01-31 Contingent — Greater Alabama MLS
• 2024-09-24 Listed $99,900 Greater Alabama MLS

Property tax history

-0.9%/yr

Latest (2025): $1,518 · -1.8% YoY. Source: county tax records.