Taylor Plan · Trussville, AL 35173

$359,000

3 bd · 2.5 ba · 1,659 sqft · SingleFamily · 66 Days on market

Good condition Garage

---

Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +5.5/30.0
• Schools +5.2/10.0
• Livability +4.0/5.0
• Condition / age +4.0/5.0
• Rent growth +2.5/5.0
• 1% rule +1.0/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks

The Taylor is a quaint two-story home with a private primary suite on the second level, creating a peaceful retreat away from the main living spaces. The open kitchen, dining, and great room on the entry level flow naturally together, making everyday living and entertaining effortless. Additional bedrooms share the second level, while extra storage off the one-car garage adds everyday convenience. A charming front porch completes this thoughtfully designed plan, combining functionality and style in a compact, efficient layout. * Please note finishings, offerings, and structural options shown in photography and/or matterports vary by series level.

Key facts

• Charming front porch
• Extra storage
• Great room

Tags

• PRIVATE PRIMARY SUITE
• OPEN KITCHEN
• GREAT ROOM
• EXTRA STORAGE
• CHARMING FRONT PORCH

🏗️ New construction. The $359,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $398,750.

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $359k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-859 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $275k (23.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $240k (33.1% below list).
• Recommended offer: $240k (33.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 79/100 on livability (#7 in AL, #2,110 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: commute F.
• Trussville City (suburban): math 49% / reading 74% proficiency, ranked #5 of 129 in AL (top 4%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 7% free/reduced lunch — higher-income household profile.
• Zoned schools: Paine Elementary School (math 68% / reading 82%, grade A, #14 of 627 statewide, top 2%, 1,350 students, 16% FRL); Hewitttrussville Middle School (math 33% / reading 75%, grade B-, #20 of 257 statewide, top 8%, 1,202 students, 16% FRL); Hewitttrussville High School (math 50% / reading 50%, grade D+, #15 of 305 statewide, top 5%, 1,573 students, 15% FRL).
• Market conditions: 456 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals lingering (median 110d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 82% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 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 $3k of loan paydown is wiped out by about $12k 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 66 days — a 6% lower offer ($337k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $240,137 (33.1% 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 66 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
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 A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.60% ✗
• Cap rate: 3.71%
• Cash-on-cash: -9.23%
• DSCR: 0.59
• GRM: 13.8

CMA / ARV

• ARV (median comp): $398,750
• List price: $359,000
• Delta: -5.45%
• 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
6655 Spring St	0.00mi	3/2.5	1,659 (0%)	3mo	$355,015	$214	98
6459 Spring St	0.18mi	3/2.5	1,645 (-1%)	7mo	$399,000	$243	84
6651 Spring St	0.00mi	3/3.5	1,763 (+6%)	4mo	$417,879	$237	82
706 Sage Cir	0.34mi	3/2.0	1,690 (+2%)	12mo	$255,000	$151	69
214 Ash Cir	0.38mi	3/2.0	1,660 (+0%)	14mo	$289,900	$175	68
318 Cherokee Dr	0.36mi	4/3.0 (+1)	1,805 (+9%)	1mo	$325,000	$180	61
4304 Cahaba Bnd	0.12mi	3/2.0	1,876 (+13%)	14mo	$385,000	$205	59
4472 Parkwood Cir	0.62mi	2/2.0 (-1)	1,657 (-0%)	8mo	$282,000	$170	58
4461 Parkwood Cir	0.62mi	2/2.0 (-1)	1,581 (-5%)	4mo	$335,000	$212	53
643 E Oak Dr E	0.64mi	4/2.5 (+1)	1,822 (+10%)	4mo	$415,000	$228	45
621 Oak Dr	0.74mi	3/2.0	1,833 (+10%)	2mo	$335,000	$183	44
141 Vann Cir	0.71mi	3/1.5	1,430 (-14%)	6mo	$295,000	$206	34

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: -32.7%
• Equity multiple: -0.07×
• Total profit: $-119,262
• Equity at exit: $59,455

10-year hold

• IRR: -38.8%
• Equity multiple: -0.56×
• Total profit: $-174,119
• Equity at exit: $34,477

Cash invested: $111,650 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 13 active · 10 under contract
• Months of supply: 7.8 mo (13%/mo absorbed)
• Median asking: $391,500 ($207/sqft)
• Median days on market: 66 d
• This list price: 23% of active listings are priced below it
• ARV vs active asking: +16.1% above current asking $/sqft

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

ZIP-level market 35173

• Home prices YoY: -33.4%
• Active inventory: 456
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $2,401 high
• Mortgage (P&I): −$2,091
• Tax est. 1.5%: −$498 /mo · $5,981/yr
• Insurance: −$166
• HOA: −$0
• Vacancy / Maint / Mgmt: −$504
• Net cashflow: $-859

Break-even live

Break-even rent $3,488

Max offer price $274,511

Occupancy floor —

Sensitivity live

Price	-10% $-583	-5% $-721	+0% $-859	+5% $-996	+10% $-1,134
Rent	-10% $-1,048	-5% $-953	+0% $-859	+5% $-764	+10% $-669
Rate	-1.0pp $-658	-0.5pp $-757	base $-859	+0.5pp $-962	+1.0pp $-1,067

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: $99,688
• Closing costs: $11,962
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
211 Winterberry Ln Trussville, AL	3.0	2.0	1411	$1,850	$1.31	85d	1	0.53mi
4522 Rock Creek Cir Trussville, AL	3.0	2.0	1385	$1,680	$1.21	0d	1	0.98mi
165 Morrow Ave Unit 201 Trussville, AL	2.0	2.0	1870	$3,500	$1.87	139d	1	0.99mi
160 Morrow Ave Unit 208 Trussville, AL	2.0	2.0	1450	$2,650	$1.83	139d	1	1.02mi
160 Morrow Ave Unit 204 Trussville, AL	3.0	2.0	1836	$2,850	$1.55	139d	1	1.02mi
6735 Roper Rd Trussville, AL	3.0	2.0	1625	$2,400	$1.48	139d	1	1.04mi
125 Charleston Way Trussville, AL	3.0	3.0	2181	$2,106	$0.97	110d	1	1.22mi
6232 Halcyon Ter Trussville, AL	3.0	2.5	1818	$2,700	$1.49	111d	1	1.42mi
3509 Halcyon Way Trussville, AL	3.0	2.0	1412	$2,700	$1.91	7d	1	1.43mi
3129 Cedarbrook Ln Trussville, AL	3.0	2.0	1231	$1,766	$1.43	110d	1	1.47mi
5938 Limestone Ln Trussville, AL	3.0	2.0	2130	$2,506	$1.18	98d	1	1.48mi

Property features AI

Finance

• Other: Address: 6691 Spring St, Trussville AL 35173Listing status: Active
• Financial info: List price: 349000

Exterior

• Parking: 1 garage space (1 total parking space)
• Home design: Single-family plan (Taylor)New construction
• Exterior features: Living area of 1659

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms and 1 half bathroom
• Interior features: Plan named Taylor (new construction plan)

Listing history 50 events

1. 2026-09-24
   days on market $359,000 Active 66 DOM
2. 2026-09-23
   days on market $359,000 Active 65 DOM
3. 2026-09-22
   pricedays on market $359,000 Active 64 DOM
4. 2026-09-21
   days on market $377,000 Active 63 DOM
5. 2026-09-20
   days on market $377,000 Active 62 DOM
6. 2026-09-19
   days on market $377,000 Active 61 DOM
7. 2026-09-18
   pricedays on market $377,000 Active 60 DOM
8. 2026-09-17
   days on market $349,000 Active 59 DOM
9. 2026-09-16
   days on market $349,000 Active 58 DOM
10. 2026-09-15
    days on market $349,000 Active 57 DOM
11. 2026-09-14
    days on market $349,000 Active 56 DOM
12. 2026-09-13
    days on market $349,000 Active 55 DOM
13. 2026-09-12
    days on market $349,000 Active 54 DOM
14. 2026-09-11
    days on market $349,000 Active 53 DOM
15. 2026-09-05
    days on market $349,000 Active 47 DOM
16. 2026-09-04
    days on market $349,000 Active 46 DOM
17. 2026-09-03
    days on market $349,000 Active 45 DOM
18. 2026-08-31
    days on market $349,000 Active 42 DOM
19. 2026-08-30
    days on market $349,000 Active 41 DOM
20. 2026-08-29
    days on market $349,000 Active 40 DOM
21. 2026-08-28
    days on market $349,000 Active 39 DOM
22. 2026-08-27
    days on market $349,000 Active 38 DOM
23. 2026-08-26
    days on market $349,000 Active 37 DOM
24. 2026-08-25
    days on market $349,000 Active 36 DOM
25. 2026-08-24
    days on market $349,000 Active 35 DOM
26. 2026-08-23
    days on market $349,000 Active 34 DOM
27. 2026-08-22
    days on market $349,000 Active 33 DOM
28. 2026-08-21
    days on market $349,000 Active 32 DOM
29. 2026-08-20
    days on market $349,000 Active 31 DOM
30. 2026-08-19
    days on market $349,000 Active 30 DOM
31. 2026-08-18
    days on market $349,000 Active 29 DOM
32. 2026-08-17
    days on market $349,000 Active 28 DOM
33. 2026-08-16
    days on market $349,000 Active 27 DOM
34. 2026-08-15
    days on market $349,000 Active 26 DOM
35. 2026-08-14
    days on market $349,000 Active 25 DOM
36. 2026-08-13
    days on market $349,000 Active 24 DOM
37. 2026-08-12
    days on market $349,000 Active 23 DOM
38. 2026-08-11
    days on market $349,000 Active 22 DOM
39. 2026-08-10
    days on market $349,000 Active 21 DOM
40. 2026-08-09
    days on market $349,000 Active 20 DOM
41. 2026-08-08
    days on market $349,000 Active 19 DOM
42. 2026-08-07
    days on market $349,000 Active 18 DOM
43. 2026-08-06
    days on market $349,000 Active 17 DOM
44. 2026-08-05
    days on market $349,000 Active 16 DOM
45. 2026-08-04
    days on market $349,000 Active 15 DOM
46. 2026-08-03
    days on market $349,000 Active 14 DOM
47. 2026-07-31
    days on market $349,000 Active 11 DOM
48. 2026-07-30
    days on market $349,000 Active 9 DOM
49. 2026-07-28
    days on market $349,000 Active 8 DOM
50. 2026-07-26
    days on market $349,000 Active 6 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 5/10 Major FEMA zone X (unshaded) · 26% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,816
• − Mortgage interest: −$22,336
• − Property taxes: −$5,981
• − Insurance: −$1,994
• − Repairs & maintenance: −$2,305
• − Management: −$2,305
• − Depreciation: −$11,600
• Taxable loss: −$17,705
• Est. tax savings @ 24.0%: +$4,249
• After-tax cash flow: $-6,054/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 · 3 photos

Good 80/100 Cosmetic rehab Est. rehab $8,295–$24,885 screening

The Taylor Plan is a well-maintained, two-story home with good condition and minimal repairs needed. It offers a good return on investment with updates that can significantly increase its resale and rental value.

Value-add opportunities

• Both Painting exterior and interior — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Both New flooring in kitchen and bathrooms — Improves functionality and aesthetics ↑
• Both New kitchen appliances — Enhances functionality and aesthetics ↑
• Both New bathroom fixtures — Enhances functionality and aesthetics ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 52/100

Zoned Schools

Middle Hewitttrussville Middle School B- AL #20/257 Nat'l #2,699/14,009 High Hewitttrussville High School D+ AL #15/305 Nat'l #5,448/17,239

Schools (NCES district)

• District: Trussville City
• NCES district ID: 0100013
• Math proficiency: 49% ▼ -27.00%
• Reading proficiency: 74% ▲ 3.00%
• Median HH income: $83,473
• Composite: 55.42/100
• National rank: #1250
• State rank: #5 of 129 in AL

B Composite livability gradescore 79/100

Livability — Trussville

• Score: 79/100
• State rank: #7
• US rank: #2110

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Trussville, AL
• County: Jefferson · 669,185 people
• City population: 51,725
• Metro: Birmingham, AL
• Population (ZIP): 32,125
• Household income: $113,028
• Rent vs Own: 10.6% rent · 89.4% own
• Severe rent burden: 16% of renters

---

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 White (82%)
• Race & ethnicity: White 82% Black 10% Hispanic / Latino 5% Two or more races 4%
• Common ancestry: Slovak 2% Italian 2% Lithuanian 1%
• Foreign-born: 4% · Canada, Jamaica
• Languages at home: 95% English-only · Spanish 3%

---

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: ▼ -104.75%
• Current HPI: 208.5715
• Rent YoY: —
• Metro: —
• 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

Property features AI

Finance

• Other: Address: 6691 Spring St, Trussville AL 35173Listing status: Active
• Financial info: List price: 349000

Exterior

• Parking: 1 garage space (1 total parking space)
• Home design: Single-family plan (Taylor)New construction
• Exterior features: Living area of 1659

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms and 1 half bathroom
• Interior features: Plan named Taylor (new construction plan)