6667 Spring St · Trussville, AL
Flood risk 5/10 · Moderate
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.26%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 6/10 · Moderate
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
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 +12.0/15.0
- Cash flow +6.0/30.0
- Schools +6.0/10.0
- Livability +4.0/5.0
- Condition / age +4.0/5.0
- Rent growth +2.5/5.0
- 1% rule +1.7/10.0
- DSCR +0.4/10.0
- Appreciation +0.0/10.0
$359,000
6667 Spring St · Trussville, AL 35173
3 bd · 2.5 ba · 1,659 sqft · SingleFamily
· 10 Days on market
Built 2026
2,308 sqft lot
1-car garage
$216/sqft
· 10% below area
Est $399k · 10% under
$95/mo HOA · 4% of rent
↓ 5% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Experience the perfect blend of small-town charm and modern convenience in Trussville Springs. This newest offering of thoughtfully designed cottage-style homes is beautifully situated along the scenic Cahaba River, creating a peaceful and picturesque setting. Residents enjoy exceptional community amenities, including a sparkling pool, fenced playground, residents-only walking trail, and a community storm shelter for added peace of mind. Ideally located just off Gadsden Hwy (Hwy 11), this inviting neighborhood offers a private retreat while remaining only minutes from sought-after schools, shopping, dining, and convenient access to I-59, I-459, and I-20.
Key facts
- Scenic cahaba river
- Fenced playground
- Private retreat
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
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 $-679 ($-8k/yr) — negative.
- To cash-flow at today's rent, offer at most $261k (27.4% 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.
- Cap rate 4.0% vs local median 3.2% in Trussville — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
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 $2k of loan paydown is wiped out by about $11k 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 10 days on market — expect competitive offers; lowballing is unlikely to land.
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
- 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?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 0.67% ✗
- Cap rate
- 4.02%
- Cash-on-cash
- -8.10%
- DSCR
- 0.64
- GRM
- 12.5
CMA / ARV
- ARV (median comp)
- $398,750
- List price
- $359,000
- Delta
- -9.97%
- 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
- -30.5%
- Equity multiple
- -0.01×
- Total profit
- $-101,317
- Equity at exit
- $53,528
10-year hold
- IRR
- -32.5%
- Equity multiple
- -0.43×
- Total profit
- $-143,518
- Equity at exit
- $31,040
Cash invested: $100,520 (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.
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 interval (Pro) →
- Mortgage (P&I)
- −$1,883
- Tax est. 1.5%
- −$449 /mo · $5,385/yr
- Insurance
- −$150
- HOA
- −$95
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$504
- Net cashflow
- $-679
Break-even live
Break-even rent
$3,261
Max offer price
$260,764
Occupancy floor
—
Sensitivity live
| Price | -10% $-431 | -5% $-555 | +0% $-679 | +5% $-803 | +10% $-927 |
|---|---|---|---|---|---|
| Rent | -10% $-869 | -5% $-774 | +0% $-679 | +5% $-584 | +10% $-489 |
| Rate | -1.0pp $-498 | -0.5pp $-588 | base $-679 | +0.5pp $-772 | +1.0pp $-867 |
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
- $89,750
- Closing costs
- $10,770
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
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
- Lot number 333 in Trussville Springs subdivisionApproximately 0.053 acres
- Financial info
- Down payment assistance available
- HOA & community
- Annual association fee (yes) with yearly fee of $1,135HOA fees include common grounds maintenance and other items
Exterior
- Parking
- Rear garage entryDetached 1-car garageOn-street parking available
- Utilities
- Public waterConnected sewerUnderground utilitiesInternet service available
- Home design
- Proposed constructionSiding exterior (Hardiplank)Slab foundation
- Construction
- Hardiplank sidingSlab foundation
- Exterior features
- Front porchCommunity in-ground pool with perimeter fencingBBQ area, playground, river access, sidewalks and walking pathsLake/water view
Interior
- Kitchen
- Stone countertopsBuilt-in dishwasherBuilt-in microwaveGas oven/range
- Bedrooms
- Bedrooms located on upper levelSplit bedroom layout
- Flooring
- CarpetVinyl
- Bathrooms
- Two full bathroomsOne half bathroomMaster baths on upper level
- Heating & cooling
- Gas heatCentral air conditioning
- Interior features
- 9-foot ceilings and smooth ceilingsAttic with pull-down accessOpen plan including great room and dining roomPer building plan living area
- Laundry & utility
- Upper-level laundry in a closetWasher hookupElectric dryer hookupTankless water heater
HOA detail $95/mo · $1,140/yr
- Likely covers
- pool
Listing history 50 events
-
2026-09-24days on market $359,000 Active 10 DOM
-
2026-09-23days on market $359,000 Active 9 DOM
-
2026-09-22days on market $359,000 Active 8 DOM
-
2026-09-21pricedays on market $359,000 Active 7 DOM
-
2026-09-20days on market $349,000 Active 6 DOM
-
2026-09-19days on market $349,000 Active 5 DOM
-
2026-09-18days on market $349,000 Active 4 DOM
-
2026-09-17days on market $349,000 Active 3 DOM
-
2026-09-16days on market $349,000 Active 2 DOM
-
2026-09-15days on market $349,000 Active 1 DOM
-
2026-09-13days on market $349,000 Active 46 DOM
-
2026-09-12days on market $349,000 Active 45 DOM
-
2026-09-11days on market $349,000 Active 44 DOM
-
2026-09-05days on market $349,000 Active 38 DOM
-
2026-09-04days on market $349,000 Active 37 DOM
-
2026-09-03days on market $349,000 Active 36 DOM
-
2026-08-31days on market $349,000 Active 33 DOM
-
2026-08-30days on market $349,000 Active 32 DOM
-
2026-08-29days on market $349,000 Active 31 DOM
-
2026-08-28days on market $349,000 Active 30 DOM
-
2026-08-27days on market $349,000 Active 29 DOM
-
2026-08-26days on market $349,000 Active 28 DOM
-
2026-08-25days on market $349,000 Active 27 DOM
-
2026-08-24days on market $349,000 Active 26 DOM
-
2026-08-23days on market $349,000 Active 25 DOM
-
2026-08-22days on market $349,000 Active 24 DOM
-
2026-08-21days on market $349,000 Active 23 DOM
-
2026-08-20days on market $349,000 Active 22 DOM
-
2026-08-19days on market $349,000 Active 21 DOM
-
2026-08-18days on market $349,000 Active 20 DOM
-
2026-08-17days on market $349,000 Active 19 DOM
-
2026-08-16days on market $349,000 Active 18 DOM
-
2026-08-15days on market $349,000 Active 17 DOM
-
2026-08-14days on market $349,000 Active 16 DOM
-
2026-08-13days on market $349,000 Active 15 DOM
-
2026-08-12days on market $349,000 Active 14 DOM
-
2026-08-11days on market $349,000 Active 13 DOM
-
2026-08-10days on market $349,000 Active 12 DOM
-
2026-08-09days on market $349,000 Active 11 DOM
-
2026-08-08days on market $349,000 Active 10 DOM
-
2026-08-07days on market $349,000 Active 9 DOM
-
2026-08-06days on market $349,000 Active 8 DOM
-
2026-08-05days on market $349,000 Active 7 DOM
-
2026-08-04days on market $349,000 Active 6 DOM
-
2026-08-03days on market $349,000 Active 5 DOM
-
2026-07-31days on market $349,000 Active 2 DOM
-
2026-07-30pricedays on market $349,000 Active 1 DOM
-
2026-07-28days on market $351,000 Active 45 DOM
-
2026-07-26days on market $351,000 Active 43 DOM
-
2026-07-24days on market $351,000 Active 41 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $28,816
- − Mortgage interest
- −$20,110
- − Property taxes
- −$5,385
- − Insurance
- −$1,795
- − Repairs & maintenance
- −$2,305
- − Management
- −$2,305
- − HOA
- −$1,140
- − Depreciation
- −$10,444
- Taxable loss
- −$14,667
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$3,520
- After-tax cash flow
- $-4,626/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 · 9 photos
80/100
None rehab
This single-family home in Trussville Springs is in good condition with no visible repairs needed. It offers a peaceful setting with community amenities and is conveniently located near schools, shopping, and highways. Consider painting and landscaping improvements to further enhance its 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 roof (if needed) — Extends lifespan and enhances curb appeal ↑
- Both New HVAC system — Improves comfort and energy efficiency ↑
D
Composite school gradezoned avg 60/100
Zoned Schools
Elementary
Paine Elementary School
A
AL #14/627
Nat'l #2,065/41,679
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
- 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 |
|
||
Price history
-5.4% since first listed7 events — show timeline
- 2026-07-29 Listed $349,000 Greater Alabama MLS
- 2026-05-02 Price Changed $351,000 Greater Alabama MLS
- 2026-03-22 Price Changed $375,000 Greater Alabama MLS
- 2026-01-04 Price Changed $374,000 Greater Alabama MLS
- 2025-12-02 Price Changed $372,000 Greater Alabama MLS
- 2025-11-01 Price Changed $371,000 Greater Alabama MLS
- 2025-09-30 Price Changed $369,000 Greater Alabama MLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…