1317 Pineview Rd · Birmingham, AL 35228

$105,000

3 bd · 1.0 ba · 1,115 sqft · SingleFamily public records · 8 Days on market

Built 1950 8,276 sqft lot Est $84k · 26% over

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Why this score? — see what drove the C- 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 +25.2/30.0
• DSCR +8.3/10.0
• 1% rule +6.2/10.0
• Livability +3.4/5.0
• Appreciation +2.6/10.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Schools +0.9/10.0
• ARV discount +0.0/15.0

Listing remarks

Section 8 Rental Turnkey 3 Bed Investment with Reliable Cash Flow! This 3 bed, 1 bath home with 1,115 sq ft, built in 1950, is tenant-occupied and bringing in $1,250/month in rent majority paid through Section 8, ensuring consistent and on-time payments. Located in a strong rental market, this property offers immediate income with low risk of vacancy. Ideal for investors seeking stability and passive cash flow. With Section 8 in place and minimal maintenance needs, this is a hassle-free, income-generating asset. Please do not disturb tenant, drive-by only.

Key facts

• 8,276 sq ft lot
• Built 1950
• Listed 8 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $235 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Cap rate 9.0% 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-, crime F, employment 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.
• Zoned schools: Central Park Elementary School (math 0% / reading 12%, grade F, #616 of 627 statewide, top 98%, 447 students, 83% FRL) — zoned schools at 83% FRL track the district average.
• Market conditions: Rents soft (-1.5%/yr); 87 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); 65% 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 $726 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.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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 $74k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1950 — 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 $105,000

Questions for the listing agent

1. Built in 1950 — 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 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?
4. 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?
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: 1.12% ✓
• Cap rate: 8.98%
• Cash-on-cash: 9.60%
• DSCR: 1.43
• GRM: 7.4

CMA / ARV

• ARV (on-the-fly): $83,625
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6144 Court M	0.09mi	3/1.0	1,066 (-4%)	2mo	$76,000	$71	86
6633 Avenue	0.40mi	3/2.0	1,107 (-1%)	2mo	$99,900	$90	74
5621 Avenue Q	0.54mi	3/1.0	1,136 (+2%)	1mo	$72,000	$63	71
5604 Terrace O	0.42mi	4/1.0 (+1)	1,072 (-4%)	2mo	$80,000	$75	67
1569 Meadow Ln	0.38mi	3/1.5	1,192 (+7%)	2mo	$50,000	$42	67
1205 Brighton Rd	0.51mi	3/1.5	1,147 (+3%)	3mo	$93,000	$81	67
1560 Meadow Ln	0.35mi	3/1.0	1,008 (-10%)	1mo	$87,000	$86	67
5800 Court Q	0.52mi	3/1.0	1,024 (-8%)	2mo	$111,000	$108	60
5541 Court P	0.49mi	2/1.0 (-1)	1,035 (-7%)	1mo	$35,000	$34	60
5528 Avenue Q	0.54mi	3/1.0	1,252 (+12%)	2mo	$52,900	$42	53
1101 Susan Ln	0.66mi	3/2.0	1,025 (-8%)	1mo	$164,000	$160	51
1508 W 51st St	0.67mi	3/1.5	1,264 (+13%)	2mo	$30,000	$24	42

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -5.2%
• Equity multiple: 0.81×
• Total profit: $-5,478
• Equity at exit: $15,656

10-year hold

• IRR: 0.7%
• Equity multiple: 1.04×
• Total profit: $1,192
• Equity at exit: $9,078

Cash invested: $29,400 (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 35228

• Home prices YoY: -3.5%
• Rents YoY: -1.5%
• Active inventory: 87
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,177 high
• Mortgage (P&I): −$551
• Tax from tax record: −$100 /mo · $1,202/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$247
• Net cashflow: $235

Break-even live

Break-even rent $879

Max offer price $105,000

Occupancy floor 75%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1341 Pineview Rd Birmingham, AL	4.0	2.0	1409	$1,300	$0.92	44d	1	0.07mi
1340 Pineview Rd Birmingham, AL	3.0	2.0	1116	$1,075	$0.96	44d	1	0.09mi
1272 Meadow Ln Birmingham, AL	2.0	1.0	744	$800	$1.08	44d	1	0.13mi
5808 Court O Birmingham, AL	3.0	1.5	1227	$1,100	$0.90	44d	1	0.29mi
5725 Avenue O Unit O Birmingham, AL	3.0	1.0	957	$1,073	$1.12	24d	1	0.32mi
5717 Avenue O Unit O Birmingham, AL	3.0	2.0	1029	$1,250	$1.21	44d	1	0.34mi
5710 Monte Sano Dr Birmingham, AL	2.0	1.0	700	$950	$1.36	44d	1	0.39mi
1417 Brighton Rd Birmingham, AL	3.0	2.0	1048	$1,200	$1.15	44d	1	0.42mi
5713 Avenue P Unit P Birmingham, AL	3.0	1.0	1300	$1,100	$0.85	19d	1	0.42mi
5604 Terrace O Birmingham, AL	4.0	1.0	1072	$1,325	$1.24	44d	1	0.44mi
5832 Court Q Birmingham, AL	3.0	1.0	912	$950	$1.04	44d	1	0.48mi
5516 Avenue P Birmingham, AL	2.0	1.0	888	$1,000	$1.13	44d	1	0.49mi
5712 Monte Sano Rd Birmingham, AL	2.0	1.0	700	$900	$1.29	44d	1	0.50mi
1012 33rd St SW Birmingham, AL	1.0–2.0	1.0–2.0	800	$750	$0.94	3d	1	0.50mi
5820 Court Q Birmingham, AL	3.0	1.0	902	$1,200	$1.33	44d	1	0.51mi
913 Daniel Cir Birmingham, AL	4.0	2.0	1317	$1,300	$0.99	44d	1	0.53mi
5709 Court H Birmingham, AL	4.0	1.5	1455	$1,400	$0.96	2d	1	0.61mi
3116 Steiner Ave SW Birmingham, AL	3.0	1.0	1362	$1,200	$0.88	44d	1	0.65mi
1112 S Gale Dr Birmingham, AL	3.0	1.5	1053	$1,175	$1.12	44d	1	0.68mi
5316 Court I Birmingham, AL	3.0	2.0	1284	$1,200	$0.93	44d	1	0.68mi
5320 Ter Q Unit Q Birmingham, AL	3.0	2.0	1116	$1,250	$1.12	44d	1	0.70mi
5219 Court Q Birmingham, AL	3.0	2.0	1082	$1,200	$1.11	19d	1	0.73mi
1632 51st Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1337	$1,100	$0.82	44d	1	0.74mi
5300 Avenue I Birmingham, AL	4.0	2.0	1360	$1,500	$1.10	2d	1	0.74mi
1632 51st St W Birmingham, AL	3.0	1.0	1337	$1,000	$0.75	2d	1	0.75mi
373 Belcher Dr Birmingham, AL	4.0	1.0	1255	$1,100	$0.88	44d	1	0.77mi
5211 Ter Q Unit Q Birmingham, AL	2.0	1.0	756	$775	$1.03	44d	1	0.78mi
829 51st Street Ensley Birmingham, AL	3.0	1.0	1203	$1,340	$1.11	3d	1	0.79mi
408 Midway St Birmingham, AL	3.0	1.0	1301	$1,075	$0.83	19d	1	0.82mi
5503 Myron Massey Blvd Fairfield, AL	3.0	2.0	1119	$1,200	$1.07	44d	1	0.82mi
4716 Court M Birmingham, AL	4.0	1.0	932	$1,200	$1.29	44d	1	0.82mi
5406 Court G Unit G Fairfield, AL	3.0	2.0	1449	$1,199	$0.83	12d	1	0.83mi
1556 Burgin Ave Birmingham, AL	4.0	1.0	1168	$1,100	$0.94	19d	1	0.83mi
1556 Burgin Ave Birmingham, AL	3.0	1.0	1168	$1,100	$0.94	21d	1	0.83mi
709 30th St SW Birmingham, AL	3.0	1.0	1273	$1,000	$0.79	44d	1	0.86mi
5219 Court G Unit G Fairfield, AL	3.0	1.0	1140	$950	$0.83	24d	1	0.86mi
1606 49th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1136	$1,100	$0.97	44d	1	0.86mi
1429 47th Street Ensley Unit ENSLEY Birmingham, AL	2.0	1.0	768	$750	$0.98	44d	1	0.86mi
704 61st St Fairfield, AL	3.0	1.0	1184	$1,050	$0.89	24d	1	0.86mi
1781 51st Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.5	1069	$950	$0.89	44d	1	0.88mi

Listing history 6 events

1. 2025-09-09
   status Pending
2. 2025-09-09
   status Active
3. 2025-08-07
   status Pending
4. 2025-07-30
   listed $105,000 Active
5. 2007-03-22
   soldstatus $74,500
6. 2005-11-05
   soldstatus $42,000

ⓘ 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: $1,202 · $100/mo
• Projected year-2 tax: $1,202 · $100/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 4/10 Moderate FEMA zone X (unshaded) · 22% 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: $14,125
• − Mortgage interest: −$5,882
• − Property taxes: −$1,202
• − Insurance: −$525
• − Repairs & maintenance: −$1,130
• − Management: −$1,130
• − Depreciation: −$3,055
• Taxable income: $1,201
• Est. tax owed @ 24.0%: −$288
• After-tax cash flow: $2,535/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): 10,216
• Household income: $50,815
• Rent vs Own: 41.2% rent · 58.8% own
• Severe rent burden: 456.0

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 (89%)
• Race & ethnicity: Black 89% Hispanic / Latino 5% Two or more races 5% White 5%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 5%

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: ▼ -4.84%
• Current HPI: 134.8633
• Rent YoY: ▼ -1.47%
• 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

6 events — show timeline

• 2025-09-09 Pending — Greater Alabama MLS
• 2025-09-09 Relisted — Greater Alabama MLS
• 2025-08-07 Pending — Greater Alabama MLS
• 2025-07-30 Listed $105,000 Greater Alabama MLS
• 2007-03-22 Sold (Public Records) $74,500 Public Records
• 2005-11-05 Sold (Public Records) $42,000 Public Records

Property tax history

+2.7%/yr

Latest (2025): $1,202 · +0.0% YoY. Source: county tax records.