6600 4th Ave S · Birmingham, AL 35212

$95,000

3 bd · 1.0 ba · 950 sqft · SingleFamily public records · 160 Days on market

Built 1952 0.29 ac lot $100/sqft · 11% above area Est $85k · 11% 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 +25.3/30.0
• DSCR +8.3/10.0
• 1% rule +6.8/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.4/15.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

PRICE IMPROVEMENT! Located at 6600 4th Avenue South in Birmingham, this charming home offers a great opportunity for a future homeowner ready to add personal touches and build long-term value. Built in the early 1950s, the home features three bedrooms and one full bathroom with a functional layout. The eat-in kitchen provides comfortable dining space and includes the option for additional pantry or storage space located just off the kitchen. A large deck extends the living area outdoors and overlooks a fenced-in backyard, ideal for entertaining, pets, or relaxation. Situated on a spacious corner lot, the property offers ample outdoor space and flexibility. With updates and vision, this home is a great canvas in an established neighborhood with growing potential. HVAC and Roof less than 3 years old!!!!!

Key facts

• 0.29 acre lot
• Built 1952
• Listed 159 days

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 $216 ($3k/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 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-, 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: 81 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% 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 37% of the median local income ($37k/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.

Negotiation context

• It's been on market 160 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 9y ago; this cycle's ask has dropped $16k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $14k; list at $95k implies a 579% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1952 — 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 160 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 1952 — 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: 1.18% ✓
• Cap rate: 9.02%
• Cash-on-cash: 9.74%
• DSCR: 1.43
• GRM: 7.1

CMA / ARV

• ARV (median comp): $85,332
• List price: $95,000
• Delta: 11.33%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6511 3rd Ave S	0.14mi	3/1.0	1,020 (+7%)	10mo	$25,000	$25	73
6821 65th St S	0.25mi	3/1.0	1,013 (+7%)	6mo	$45,000	$44	72
6924 67th St S	0.26mi	2/1.0 (-1)	916 (-4%)	8mo	$15,000	$16	70
6936 66th St S	0.30mi	3/1.0	880 (-7%)	6mo	$80,500	$91	68
6713 Harve Ave	0.48mi	2/1.0 (-1)	936 (-2%)	9mo	$35,000	$37	62
7005 S 1st Ave	0.52mi	2/1.0 (-1)	930 (-2%)	11mo	$72,000	$77	58
221 72nd St S	0.64mi	3/1.0	1,015 (+7%)	2mo	$75,000	$74	57
521 Athens Ct	0.50mi	3/1.0	876 (-8%)	10mo	$48,000	$55	56
7213 Higdon Rd	0.57mi	3/1.5	1,008 (+6%)	12mo	$60,000	$60	52
6022 5th Ter S	0.62mi	2/1.0 (-1)	840 (-12%)	1mo	$210,000	$250	46
613 62nd St S	0.66mi	3/2.0	1,064 (+12%)	3mo	$173,000	$163	43
517 59th Pl S	0.69mi	3/1.0	1,040 (+10%)	12mo	$225,000	$216	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.6%
• Equity multiple: 0.94×
• Total profit: $-1,619
• Equity at exit: $14,165

10-year hold

• IRR: 8.1%
• Equity multiple: 1.62×
• Total profit: $16,394
• 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 35212

• Active inventory: 81
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,118 high
• Mortgage (P&I): −$498
• Tax from tax record: −$130 /mo · $1,557/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$235
• Net cashflow: $216

Break-even live

Break-even rent $845

Max offer price $95,000

Occupancy floor 76%

Sensitivity live

Price	-10% $270	-5% $243	+0% $216	+5% $189	+10% $162
Rent	-10% $128	-5% $172	+0% $216	+5% $260	+10% $304
Rate	-1.0pp $264	-0.5pp $240	base $216	+0.5pp $191	+1.0pp $166

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
417 Athens Ave Birmingham, AL	3.0	1.5	978	$1,250	$1.28	24d	1	0.11mi
6732 Frankfort Ave Birmingham, AL	3.0	1.0	924	$995	$1.08	44d	1	0.27mi
6936 66th St S Birmingham, AL	3.0	1.0	880	$1,050	$1.19	44d	1	0.29mi
201 70th St S Birmingham, AL	2.0	1.0	989	$950	$0.96	44d	1	0.47mi
6820 Division Ave Birmingham, AL	3.0	2.0	1122	$1,050	$0.94	24d	1	0.47mi
516 Athens Ct Birmingham, AL	2.0	1.0	738	$1,123	$1.52	2d	1	0.48mi
7005 2nd Ave S Birmingham, AL	2.0	1.0	939	$950	$1.01	44d	1	0.48mi
7025 4th Ave S Birmingham, AL	3.0	1.0	1090	$845	$0.78	44d	1	0.49mi
126 66th Pl N Birmingham, AL	2.0	1.0	1038	$1,200	$1.16	15d	1	0.54mi
605 71st St S Birmingham, AL	3.0	1.5	1024	$1,303	$1.27	2d	1	0.55mi
559 63rd St S Birmingham, AL	3.0	1.0	930	$1,000	$1.08	4d	1	0.55mi
7017 Division Ave Birmingham, AL	3.0	1.0	1100	$1,050	$0.95	44d	1	0.59mi
573 61st St S Birmingham, AL	2.0	1.0	800	$850	$1.06	44d	1	0.61mi
7119 1st Ave S Birmingham, AL	2.0	1.0	720	$1,000	$1.39	44d	1	0.64mi
224 69th Pl N Birmingham, AL	3.0	1.0	894	$975	$1.09	44d	1	0.70mi
137 59th St N Apt 6 Birmingham, AL	2.0	1.0	800	$725	$0.91	44d	1	0.82mi
137 59th St N Unit 3 Birmingham, AL	2.0	1.0	800	$725	$0.91	24d	1	0.82mi
5811 2nd Ave N Birmingham, AL	2.0	1.0	1000	$1,200	$1.20	4d	1	0.88mi
7716 Sunrise Cir Birmingham, AL	1.0–2.0	1.0	795	$1,000	$1.26	44d	1	0.91mi
7213 Naples Ave Birmingham, AL	3.0	1.5	937	$1,100	$1.17	12d	1	0.97mi
7213 Naples Ave Birmingham, AL	3.0	1.5	925	$1,100	$1.19	44d	1	0.97mi
7216 Paris Ave Birmingham, AL	3.0	1.5	966	$1,125	$1.16	19d	1	1.07mi
7313 Paris Ave Birmingham, AL	3.0	2.0	1000	$1,395	$1.40	3d	1	1.13mi
630 77th St S Birmingham, AL	2.0	2.0	1100	$983	$0.89	3d	1	1.14mi
7404 Paris Ave Birmingham, AL	3.0	1.5	802	$1,200	$1.50	44d	1	1.16mi
7728 Rugby Ave Birmingham, AL	2.0	1.0	700	$850	$1.21	44d	1	1.19mi
7721 1st Ave S Birmingham, AL	3.0	1.0	956	$949	$0.99	24d	1	1.20mi
7701 7th Ave S Birmingham, AL	2.0	1.0	800	$850	$1.06	24d	1	1.21mi
7728 1st Ave S Apt C Birmingham, AL	2.0	1.0	950	$950	$1.00	44d	1	1.22mi
7740 Rugby Ave Unit 2 Birmingham, AL	2.0	1.0	800	$1,000	$1.25	44d	1	1.23mi
7740 Rugby Ave Unit b Birmingham, AL	2.0	1.0	800	$1,100	$1.38	44d	1	1.23mi
972 53rd St N Birmingham, AL	2.0	1.0	841	$900	$1.07	44d	1	1.26mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,300	$1.30	44d	1	1.28mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,275	$1.27	4d	1	1.28mi
7801 3rd Ave S Unit B Birmingham, AL	2.0	1.5	1100	$1,000	$0.91	44d	1	1.32mi
756 Vanderbilt St Birmingham, AL	3.0	2.0	1096	$1,000	$0.91	44d	1	1.34mi
7829 3rd Ave S Birmingham, AL	3.0	1.5	1005	$1,025	$1.02	44d	1	1.39mi
836 Vanderbilt St Birmingham, AL	3.0	1.0	1072	$850	$0.79	24d	1	1.43mi
7823 Rugby Ave Birmingham, AL	3.0	1.0	1023	$1,175	$1.15	44d	1	1.45mi
7825 Rugby Ct Birmingham, AL	2.0	1.0	929	$875	$0.94	22d	1	1.48mi

Listing history 22 events

1. 2026-06-18
   days on market $95,000 Active 160 DOM
2. 2026-06-17
   days on market $95,000 Active 159 DOM
3. 2026-06-16
   days on market $95,000 Active 158 DOM
4. 2026-06-15
   days on market $95,000 Active 157 DOM
5. 2026-06-13
   days on market $95,000 Active 155 DOM
6. 2026-06-10
   days on market $95,000 Active 152 DOM
7. 2026-06-09
   days on market $95,000 Active 151 DOM
8. 2026-06-08
   days on market $95,000 Active 150 DOM
9. 2026-06-07
   days on market $95,000 Active 149 DOM
10. 2026-06-03
    days on market $95,000 Active 145 DOM
11. 2026-06-02
    days on market $95,000 Active 144 DOM
12. 2026-06-01
    days on market $95,000 Active 143 DOM
13. 2026-05-31
    days on market $95,000 Active 142 DOM
14. 2026-05-19
    status Active 813-char remark

    Show marketing remark (813 chars)

    PRICE IMPROVEMENT! Located at 6600 4th Avenue South in Birmingham, this charming home offers a great opportunity for a future homeowner ready to add personal touches and build long-term value. Built in the early 1950s, the home features three bedrooms and one full bathroom with a functional layout. The eat-in kitchen provides comfortable dining space and includes the option for additional pantry or storage space located just off the kitchen. A large deck extends the living area outdoors and overlooks a fenced-in backyard, ideal for entertaining, pets, or relaxation. Situated on a spacious corner lot, the property offers ample outdoor space and flexibility. With updates and vision, this home is a great canvas in an established neighborhood with growing potential. HVAC and Roof less than 3 years old!!!!!

15. 2026-05-10
    historical Contingent 813-char remark

    Show marketing remark (813 chars)

    PRICE IMPROVEMENT! Located at 6600 4th Avenue South in Birmingham, this charming home offers a great opportunity for a future homeowner ready to add personal touches and build long-term value. Built in the early 1950s, the home features three bedrooms and one full bathroom with a functional layout. The eat-in kitchen provides comfortable dining space and includes the option for additional pantry or storage space located just off the kitchen. A large deck extends the living area outdoors and overlooks a fenced-in backyard, ideal for entertaining, pets, or relaxation. Situated on a spacious corner lot, the property offers ample outdoor space and flexibility. With updates and vision, this home is a great canvas in an established neighborhood with growing potential. HVAC and Roof less than 3 years old!!!!!

16. 2026-03-26
    price $95,000 813-char remark

    Show marketing remark (813 chars)

    PRICE IMPROVEMENT! Located at 6600 4th Avenue South in Birmingham, this charming home offers a great opportunity for a future homeowner ready to add personal touches and build long-term value. Built in the early 1950s, the home features three bedrooms and one full bathroom with a functional layout. The eat-in kitchen provides comfortable dining space and includes the option for additional pantry or storage space located just off the kitchen. A large deck extends the living area outdoors and overlooks a fenced-in backyard, ideal for entertaining, pets, or relaxation. Situated on a spacious corner lot, the property offers ample outdoor space and flexibility. With updates and vision, this home is a great canvas in an established neighborhood with growing potential. HVAC and Roof less than 3 years old!!!!!

17. 2026-01-10
    listed $110,900 Active 813-char remark

    Show marketing remark (813 chars)

    PRICE IMPROVEMENT! Located at 6600 4th Avenue South in Birmingham, this charming home offers a great opportunity for a future homeowner ready to add personal touches and build long-term value. Built in the early 1950s, the home features three bedrooms and one full bathroom with a functional layout. The eat-in kitchen provides comfortable dining space and includes the option for additional pantry or storage space located just off the kitchen. A large deck extends the living area outdoors and overlooks a fenced-in backyard, ideal for entertaining, pets, or relaxation. Situated on a spacious corner lot, the property offers ample outdoor space and flexibility. With updates and vision, this home is a great canvas in an established neighborhood with growing potential. HVAC and Roof less than 3 years old!!!!!

18. 2026-01-04
    historical $110,900 813-char remark

    Show marketing remark (813 chars)

    PRICE IMPROVEMENT! Located at 6600 4th Avenue South in Birmingham, this charming home offers a great opportunity for a future homeowner ready to add personal touches and build long-term value. Built in the early 1950s, the home features three bedrooms and one full bathroom with a functional layout. The eat-in kitchen provides comfortable dining space and includes the option for additional pantry or storage space located just off the kitchen. A large deck extends the living area outdoors and overlooks a fenced-in backyard, ideal for entertaining, pets, or relaxation. Situated on a spacious corner lot, the property offers ample outdoor space and flexibility. With updates and vision, this home is a great canvas in an established neighborhood with growing potential. HVAC and Roof less than 3 years old!!!!!

19. 2017-06-30
    soldstatus $14,000
20. 2017-06-15
    soldstatus $14,000 Sold 154-char remark

    Show marketing remark (154 chars)

    So much potential! Outside doesn't do it justice. 3/1 on large corner lot with lots of possibilities. Needs some work but awesome investment opportunity.

21. 2017-05-07
    historical 154-char remark

    Show marketing remark (154 chars)

    So much potential! Outside doesn't do it justice. 3/1 on large corner lot with lots of possibilities. Needs some work but awesome investment opportunity.

22. 2017-01-30
    listed $22,900 Active 154-char remark

    Show marketing remark (154 chars)

    So much potential! Outside doesn't do it justice. 3/1 on large corner lot with lots of possibilities. Needs some work but awesome investment opportunity.

ⓘ 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: $1,557 · $130/mo
• Projected year-2 tax: $1,557 · $130/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 ≥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 8 unhealthy d/yr today · 10 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,420
• − Mortgage interest: −$5,321
• − Property taxes: −$1,557
• − Insurance: −$475
• − Repairs & maintenance: −$1,074
• − Management: −$1,074
• − Depreciation: −$2,764
• Taxable income: $1,155
• Est. tax owed @ 24.0%: −$277
• After-tax cash flow: $2,314/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): 10,160
• Household income: $36,633
• Rent vs Own: 55.4% rent · 44.6% own
• Severe rent burden: 798.0

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 (68%)
• Race & ethnicity: Black 68% White 24% Hispanic / Latino 6% Two or more races 3% Asian 1%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Italian 2% Slovak 2% Hispanic 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 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: ▼ -190.24%
• Current HPI: 120.1264
• 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

+314.8% since first listed

9 events — show timeline

• 2026-05-19 Relisted — Greater Alabama MLS
• 2026-05-10 Contingent — Greater Alabama MLS
• 2026-03-26 Price Changed $95,000 Greater Alabama MLS
• 2026-01-10 Listed $110,900 Greater Alabama MLS
• 2026-01-04 Coming Soon $110,900 Greater Alabama MLS
• 2017-06-30 Sold (Public Records) $14,000 Public Records
• 2017-06-15 Sold (MLS) $14,000 Greater Alabama MLS
• 2017-05-07 Delisted — Greater Alabama MLS
• 2017-01-30 Listed $22,900 Greater Alabama MLS

Property tax history

+4.5%/yr

Latest (2025): $1,557 · +0.0% YoY. Source: county tax records.