11 16th St N · Pell City, AL 35125

$135,000

2 bd · 1.5 ba · 1,236 sqft · SingleFamily public records · 7 Days on market

Built 1940 Est $135k · at est.

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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 +21.2/30.0
• ARV discount +7.4/15.0
• DSCR +6.7/10.0
• 1% rule +4.3/10.0
• Livability +3.5/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Don't miss out on this 2 bedroom, 2 bathroom property. Here you will find a spacious living space with a fenced in yard. Conveniently located to downtown Pell City and I-20. Call today to schedule your private showing.

Key facts

• Fenced in yard
• Built 1940
• Listed 7 days

Tags

• FENCED IN YARD
• SPACIOUS LIVING SPACE
• CONVENIENTLY LOCATED TO I-20

Property features AI

Finance

• HOA & community: No association/HOA fees

Exterior

• Parking: Driveway parking; Off-street parking
• Utilities: Public water; Connected sewer; Gas water heater; Ceiling fans (energy/green feature); Internet availability unknown
• Home design: Existing single-family residence; All primary living spaces on main level
• Construction: Vinyl siding exterior; Crawl space foundation
• Exterior features: Fenced yard; Some trees on the lot; Open deck

Interior

• Kitchen: Laminate countertops; Built-in dishwasher; Electric oven; Electric stove; Eating area
• Bedrooms: Two bedrooms on the main level
• Flooring: Hardwood-look laminate flooring; Tile flooring
• Bathrooms: Two full bathrooms; Garden tub in bathroom; Tub/shower combination in bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: 9-foot (or higher) ceilings; Some window treatments to remain; No additional built-in interior features listed
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $194 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $125k (7.3% below list).
• Recommended offer: $125k (7.3% below list) — sets the bar for 1% rule.
• Cap rate 8.0% vs local median 2.4% in Pell City — 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 69/100 on livability (#50 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, employment D+, amenities F.
• Pell City (town): math 17% / reading 44% proficiency, ranked #67 of 129 in AL (top 52%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Iola Roberts Elementary School (math 17% / reading 47%, grade F, #331 of 627 statewide, top 57%, 388 students, 78% FRL); Pell City High School (math 17% / reading 21%, grade F, #181 of 305 statewide, top 60%, 1,171 students, 55% FRL) — zoned schools average 67% FRL vs 47% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 63 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 12d on market — plan ~1-2 weeks tenant-placement turnaround); 557 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 5y 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 $42k; list at $135k implies a 218% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $125,168 (7.3% below list)

Questions for the listing agent

1. Built in 1940 — 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. 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.
4. 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.
5. 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: 0.93% ✗
• Cap rate: 8.02%
• Cash-on-cash: 6.17%
• DSCR: 1.27
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $134,724
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1010 1st Pl S	0.39mi	3/2.0 (+1)	1,254 (+2%)	1mo	$195,600	$156	71
119 17th St N	0.10mi	2/2.0	1,334 (+8%)	23mo	$149,900	$112	61
705 17th St S	0.52mi	2/1.0	1,148 (-7%)	1mo	$125,000	$109	61
2414 4th Ave N	0.64mi	2/1.0	1,252 (+1%)	8mo	$69,000	$55	60
2020 2nd Ave S	0.37mi	2/1.0	1,132 (-8%)	12mo	$80,000	$71	57
110 S 11th St	0.39mi	3/1.5 (+1)	1,161 (-6%)	15mo	$95,000	$82	54
706 20th St N	0.73mi	3/2.0 (+1)	1,080 (-13%)	12mo	$196,000	$181	28

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: -6.8%
• Equity multiple: 0.75×
• Total profit: $-9,559
• Equity at exit: $20,129

10-year hold

• IRR: 2.7%
• Equity multiple: 1.19×
• Total profit: $7,351
• Equity at exit: $11,672

Cash invested: $37,800 (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 35125

• Home prices YoY: -22.0%
• Active inventory: 63
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,252 high
• Mortgage (P&I): −$708
• Tax from tax record: −$30 /mo · $362/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $194

Break-even live

Break-even rent $1,006

Max offer price $135,000

Occupancy floor 79%

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1917 2nd Ave N Pell City, AL	2.0	1.5	1400	$1,350	$0.96	11d	1	0.29mi
1919 2nd Ave N Pell City, AL	2.0	1.5	1400	$1,350	$0.96	11d	1	0.29mi
2000 3rd Ave S Pell City, AL	2.0	1.0	1158	$1,190	$1.03	23d	1	0.39mi
713 21st St N Unit A Pell City, AL	2.0	2.0	1200	$985	$0.82	2d	1	0.73mi
1103 23rd St N Pell City, AL	1.0–3.0	1.0–3.0	990	$1,310	$1.32	1d	11	0.99mi
570 Woodland Crest Rd Pell City, AL	3.0	2.0	1200	$1,566	$1.30	19d	1	1.01mi
311 7th Ct N Pell City, AL	2.0	2.0	960	$1,155	$1.20	23d	1	1.12mi
312 7th Ct N Pell City, AL	1.0	1.0	837	$974	$1.16	23d	1	1.14mi
1000 Comer Ave Pell City, AL	2.0	1.0	835	$795	$0.95	1d	1	1.41mi

Listing history 6 events

1. 2026-06-18
   days on market $135,000 Active 7 DOM
2. 2026-06-17
   days on market $135,000 Active 6 DOM
3. 2026-06-16
   days on market $135,000 Active 5 DOM
4. 2026-06-15
   days on market $135,000 Active 4 DOM
5. 2026-06-13
   remarks 218-char remark
6. 2026-06-13
   listed $135,000 Active 2 DOM

ⓘ 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: $362 · $30/mo
• Projected year-2 tax: $554 · $46/mo
• Expected delta: +$191/yr (+$16/mo · 52.7%)

ⓘ 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 7/10 Severe 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,020
• − Mortgage interest: −$7,562
• − Property taxes: −$362
• − Insurance: −$675
• − Repairs & maintenance: −$1,202
• − Management: −$1,202
• − Depreciation: −$3,927
• Taxable income: $90
• Est. tax owed @ 24.0%: −$22
• After-tax cash flow: $2,311/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: Pell City
• NCES district ID: 0102650
• Math proficiency: 17% ▼ -30.00%
• Reading proficiency: 44% ▼ -4.00%
• Median HH income: $45,051
• Composite: 26.04/100
• National rank: #7303
• State rank: #67 of 129 in AL

Livability — Pell City

• Score: 69/100
• State rank: #50
• US rank: #8246

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pell City, AL
• City population: 10,546
• Population (ZIP): 10,969

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 9% Two or more races 5% Hispanic / Latino 3% Pacific Islander 1% Asian 1%
• Common ancestry: Serbian 1% Italian 1% Slovak 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 2%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -51.53%
• Current HPI: 182.9461
• 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

+93.1% since first listed

6 events — show timeline

• 2026-06-10 Listed $135,000 Greater Alabama MLS
• 2024-10-23 Price Changed $154,900 Greater Alabama MLS
• 2023-04-29 Price Changed $154,000 Greater Alabama MLS
• 2021-12-21 Sold (MLS) $42,500 WAMLS
• 2021-11-22 Listed $47,700 WAMLS
• 2020-03-11 Price Changed $69,900 Greater Alabama MLS

Property tax history

-6.4%/yr

Latest (2025): $362 · -50.1% YoY. Source: county tax records.