7205 Roper Tunnel Rd · Trussville, AL 35173

$350,000

3 bd · 2.0 ba · 3,136 sqft · SingleFamily public records · 13 Days on market

Built 1993 0.39 ac lot $112/sqft · 25% below area Est $481k · 27% under

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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).

• ARV discount +15.0/15.0
• Cash flow +7.0/30.0
• Schools +5.5/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.2/10.0
• 1% rule +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome Home to Roper Tunnel Road in the heart of Trussville. This gorgeous 5 bedroom 3 bath home is move in ready with brand new carpeting, interior paint, HVAC, & roof! The home offers a main level master, formal dining area, gourmet kitchen, spacious great room with fireplace, massive rear decking with screened in and open area overlooking a beautiful view! Convenient to interstate access as well as shopping and entertainment, this home truly has it all at an amazing price!

Key facts

• Private deck
• Oversized craft room
• Mountain views

Tags

• OVERSIZED CRAFT ROOM
• PRIVATE DECK
• MOUNTAIN VIEWS
• QUICK ACCESS TO SHOPPING
• QUICK ACCESS TO DINING
• QUICK ACCESS TO SCHOOLS

Property features AI

Finance

• Other: Energy-efficient features including double-paned windows, LED lighting, ridge vent, and Energy Star appliances

Exterior

• Parking: Six total garage parking spaces (2 on main level, 4 in basement); Basement parking and driveway parking; lower level/multi-level parking; Side garage entry
• Utilities: Public water; Septic system; Spectrum internet available; Insulated door
• Home design: Siding exterior; Basement foundation; Existing construction
• Construction: Basement foundation (poured concrete walls); Siding-Other exterior construction
• Exterior features: Fenced yard; Workshop; Covered patio; Decks (covered, open, and screened); Subdivision lot with mountain view; Paved road access

Interior

• Kitchen: Butcher block and laminate countertops; Eating area and pantry with butler's pantry; Cooktop (gas), built-in dishwasher, gas oven, self-cleaning oven, refrigerator, stove (gas); Some stainless appliances; Energy Star appliances
• Bedrooms: Master bedroom on main level; Multiple additional bedrooms on main, upper and basement levels
• Flooring: Brick flooring, carpet, hardwood laminate, and tile flooring
• Bathrooms: Three full bathrooms; Tub/shower combo and linen closet
• Heating & cooling: Central heating (gas) and central air conditioning; Ceiling fans
• Interior features: 9 ft. + ceilings with crown molding; French doors; Some window treatments to remain; 1 fireplace (living room) with brick surround and gas starter; Finished and unfinished full basement with poured concrete walls; Walk-in attic
• Laundry & utility: Laundry on main level with closet-sized laundry space; Washer hookup and electric dryer hookup; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $350k.

Deal economics

• At list price, monthly cash flow is $-514 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $259k (25.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $209k (40.3% below list).
• Recommended offer: $209k (40.3% below list) — sets the bar for 1% rule.
• Cap rate 4.5% vs local median 3.4% in Trussville — 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 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 High School (math 50% / reading 50%, grade D+, #15 of 305 statewide, top 5%, 1,573 students, 15% FRL).
• Market conditions: 344 active listings in the ZIP; 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 $2k of loan paydown is wiped out by about $10k 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 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 12y 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 $172k; list at $350k implies a 103% 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; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $209,096 (40.3% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 0.60% ✗
• Cap rate: 4.53%
• Cash-on-cash: -6.29%
• DSCR: 0.72
• GRM: 13.9

CMA / ARV

• ARV (median comp): $481,260
• List price: $350,000
• Delta: -18.96%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3400 Ashford Ln	0.54mi	3/3.5	3,030 (-3%)	21mo	$465,000	$153	46
4025 Laurel Ridge Trl	0.58mi	3/2.0	2,733 (-13%)	10mo	$350,000	$128	44
6801 Ivy Way	0.52mi	4/3.5 (+1)	2,708 (-14%)	2mo	$490,000	$181	40
4041 Laurel Ridge Trl	0.67mi	4/3.0 (+1)	2,738 (-13%)	1mo	$405,000	$148	38
6618 Nobles Way	0.64mi	4/3.5 (+1)	3,461 (+10%)	20mo	$695,000	$201	25
3260 Cahaba Manor Dr	0.70mi	4/2.0 (+1)	2,764 (-12%)	24mo	$385,000	$139	23

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: -27.2%
• Equity multiple: 0.09×
• Total profit: $-89,568
• Equity at exit: $52,186

10-year hold

• IRR: -25.3%
• Equity multiple: -0.23×
• Total profit: $-120,642
• Equity at exit: $30,262

Cash invested: $98,000 (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 35173

• Home prices YoY: -33.4%
• Active inventory: 344
• Price-to-rent: 13.9×

Monthly cashflow live

• Estimated rent: $2,091 medium
• Mortgage (P&I): −$1,835
• Tax from tax record: −$184 /mo · $2,214/yr
• Insurance: −$146
• HOA: −$0
• Vacancy / Maint / Mgmt: −$439
• Net cashflow: $-514

Break-even live

Break-even rent $2,741

Max offer price $259,222

Occupancy floor —

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: $87,500
• Closing costs: $10,500
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $350,000 Active 13 DOM
2. 2026-06-17
   days on market $350,000 Active 12 DOM
3. 2026-06-16
   days on market $350,000 Active 11 DOM
4. 2026-06-15
   days on market $350,000 Active 10 DOM
5. 2026-06-13
   days on market $350,000 Active 8 DOM
6. 2026-06-13
   days on market $350,000 Active 7 DOM
7. 2026-06-10
   days on market $350,000 Active 5 DOM
8. 2026-06-09
   days on market $350,000 Active 4 DOM
9. 2026-06-08
   days on market $350,000 Active 3 DOM
10. 2026-06-07
    pricedays on marketlisting id $350,000 Active 2 DOM
11. 2026-06-03
    days on market $390,000 Active 16 DOM
12. 2026-06-02
    days on market $390,000 Active 15 DOM
13. 2026-06-01
    days on market $390,000 Active 14 DOM
14. 2026-05-31
    days on market $390,000 Active 13 DOM
15. 2026-05-18
    listed $400,000 Active 839-char remark
16. 2026-05-15
    historical $400,000 839-char remark
17. 2014-03-25
    soldstatus $172,000
18. 2014-03-21
    soldstatus $172,000 486-char remark

    Show marketing remark (486 chars)

    Welcome Home to Roper Tunnel Road in the heart of Trussville. This gorgeous 5 bedroom 3 bath home is move in ready with brand new carpeting, interior paint, HVAC, & roof! The home offers a main level master, formal dining area, gourmet kitchen, spacious great room with fireplace, massive rear decking with screened in and open area overlooking a beautiful view! Convenient to interstate access as well as shopping and entertainment, this home truly has it all at an amazing price!

19. 2014-01-01
    listed $174,900 486-char remark

    Show marketing remark (486 chars)

    Welcome Home to Roper Tunnel Road in the heart of Trussville. This gorgeous 5 bedroom 3 bath home is move in ready with brand new carpeting, interior paint, HVAC, & roof! The home offers a main level master, formal dining area, gourmet kitchen, spacious great room with fireplace, massive rear decking with screened in and open area overlooking a beautiful view! Convenient to interstate access as well as shopping and entertainment, this home truly has it all at an amazing price!

20. 2007-06-19
    soldstatus $226,000
21. 2005-06-21
    soldstatus $196,500
22. 1993-07-22
    soldstatus $133,700

ⓘ 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: $2,214 · $184/mo
• Projected year-2 tax: $2,214 · $184/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 5/10 Major
• 🌡 Heat 5/10 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 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,092
• − Mortgage interest: −$19,605
• − Property taxes: −$2,214
• − Insurance: −$1,750
• − Repairs & maintenance: −$2,007
• − Management: −$2,007
• − Depreciation: −$10,182
• Taxable loss: −$12,674
• Est. tax savings @ 24.0%: +$3,042
• After-tax cash flow: $-3,125/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: 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

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
• City population: 51,725
• Population (ZIP): 32,125

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

Price history

+161.8% since first listed

8 events — show timeline

• 2026-06-05 Listed $350,000 Greater Alabama MLS
• 2026-05-25 Price Changed $390,000 Greater Alabama MLS
• 2014-03-25 Sold (Public Records) $172,000 Public Records
• 2014-03-21 Sold (MLS) $172,000 Greater Alabama MLS
• 2014-01-01 Listed $174,900 Greater Alabama MLS
• 2007-06-19 Sold (Public Records) $226,000 Public Records
• 2005-06-21 Sold (Public Records) $196,500 Public Records
• 1993-07-22 Sold (Public Records) $133,700 Public Records

Property tax history

+6.1%/yr

Latest (2025): $2,214 · -0.7% YoY. Source: county tax records.