14143 Delta Dr · Tuscaloosa, AL 35405

$165,000

3 bd · 1.0 ba · 1,708 sqft · SingleFamily public records · 101 Days on market

Built 1986 0.41 ac lot $97/sqft · 41% below area Est $279k · 41% under

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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 +23.0/30.0
• ARV discount +15.0/15.0
• DSCR +7.4/10.0
• 1% rule +4.7/10.0
• Rent growth +3.9/5.0
• Livability +3.9/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 14143 Delta Drive, a one level 3 bedroom, 2 bath home situated on a flat lot just off McPherson Landing Road! This property features an open kitchen with stainless steel appliances, tile backsplash, and warm wood cabinetry, flowing seamlessly into the open living areas. Two living spaces, including a spacious open den with a fireplace and elevated dining area, provide flexibility for everyday living and entertaining. Outside, enjoy a large yard with plenty of room for entertainment or activities! Call today to schedule your showing!

Key facts

• Two living spaces
• Spacious open den
• Warm wood cabinetry

Tags

• OPEN KITCHEN
• STAINLESS STEEL APPLIANCES
• TILE BACKSPLASH
• WARM WOOD CABINETRY
• TWO LIVING SPACES
• SPACIOUS OPEN DEN

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $165k.

Deal economics

• At list price, monthly cash flow is $294 ($4k/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 $160k (3.3% below list).
• Recommended offer: $150k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 3.4% in Tuscaloosa — 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 77/100 on livability (#9 in AL, #2,909 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, health & safety A+, cost of living A; Watch: crime F, employment D-.
• Tuscaloosa County (suburban): math 21% / reading 45% proficiency, ranked #47 of 129 in AL (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.4%/yr); 457 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; 622 units permitted in Tuscaloosa County in 2024 (69 in 5+ unit buildings).
• This rent runs 31% of the median local income ($62k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Tuscaloosa County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 5.4% rent growth), your $46k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 101 days — a 9% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 59% 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 $150,150 (9.0% below list)

Questions for the listing agent

1. It's been on market 101 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.97% ✗
• Cap rate: 8.43%
• Cash-on-cash: 7.64%
• DSCR: 1.34
• GRM: 8.6

CMA / ARV

• ARV (median comp): $279,422
• List price: $165,000
• Delta: -40.95%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14148 River Point Cir Cir	0.32mi	3/2.0	1,771 (+4%)	1mo	$289,900	$164	74
14675 Griffin St	0.27mi	4/2.0 (+1)	1,685 (-1%)	3mo	$251,500	$149	74
14149 Delta Dr	0.02mi	3/2.0	1,932 (+13%)	9mo	$147,000	$76	66
11679 River Point Way	0.33mi	3/2.0	1,826 (+7%)	9mo	$335,000	$183	62
14439 Griffin St	0.27mi	4/3.0 (+1)	1,847 (+8%)	7mo	$280,000	$152	55
14390 Gentry Drive Dr	0.69mi	3/2.0	1,623 (-5%)	5mo	$248,000	$153	51
11518 Andrew Way	0.31mi	4/3.0 (+1)	1,751 (+2%)	23mo	$255,000	$146	49
11689 River Point Ln	0.34mi	3/2.0	1,554 (-9%)	21mo	$265,000	$171	47
14203 Phares Hinton Rd	0.70mi	3/2.0	1,508 (-12%)	1mo	$209,000	$139	44
14380 Chase Dr	0.47mi	4/2.0 (+1)	1,846 (+8%)	15mo	$228,000	$124	43
11616 River Point Ln	0.58mi	4/2.0 (+1)	1,879 (+10%)	5mo	$340,000	$181	43
14364 Chase Dr	0.47mi	4/2.0 (+1)	1,846 (+8%)	22mo	$230,000	$125	37

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 · 5.42% rent growth · sell at horizon

5-year hold

• IRR: -2.3%
• Equity multiple: 0.91×
• Total profit: $-4,106
• Equity at exit: $24,602

10-year hold

• IRR: 9.6%
• Equity multiple: 1.81×
• Total profit: $37,371
• Equity at exit: $14,266

Cash invested: $46,200 (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 35405

• Home prices YoY: -26.9%
• Rents YoY: 5.4%
• Active inventory: 457
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,596 high
• Mortgage (P&I): −$865
• Tax from tax record: −$32 /mo · $389/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$335
• Net cashflow: $294

Break-even live

Break-even rent $1,223

Max offer price $165,000

Occupancy floor 77%

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: $41,250
• Closing costs: $4,950
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11605 McCord Ln Tuscaloosa, AL	4.0	2.0	1497	$1,575	$1.05	21d	1	1.09mi
14349 Buttercup Way , AL	3.0	2.0	1187	$1,495	$1.26	43d	1	1.14mi
14391 Buttercup Way , AL	4.0	2.0	1444	$1,665	$1.15	11d	1	1.16mi
11343 Snapdragon Cv , AL	3.0	2.0	1187	$1,495	$1.26	43d	1	1.17mi
14320 Firefly LN Tuscaloosa, AL	4.0	2.0	1417	$1,595	$1.13	11d	1	1.25mi
14338 Firefly Ln Tuscaloosa, AL	3.0	2.0	1187	$1,600	$1.35	43d	1	1.26mi
11146 Longbow Dr Tuscaloosa, AL	3.0	1.0	1120	$1,500	$1.34	11d	1	1.42mi

Listing history 25 events

1. 2026-06-18
   days on market $165,000 Active 101 DOM
2. 2026-06-17
   days on market $165,000 Active 100 DOM
3. 2026-06-16
   days on market $165,000 Active 99 DOM
4. 2026-06-15
   days on market $165,000 Active 98 DOM
5. 2026-06-14
   days on market $165,000 Active 96 DOM
6. 2026-06-13
   days on market $165,000 Active 95 DOM
7. 2026-06-10
   days on market $165,000 Active 93 DOM
8. 2026-06-09
   days on market $165,000 Active 92 DOM
9. 2026-06-08
   days on market $165,000 Active 91 DOM
10. 2026-06-07
    days on market $165,000 Active 90 DOM
11. 2026-06-05
    days on market $165,000 Active 87 DOM
12. 2026-06-03
    days on market $165,000 Active 86 DOM
13. 2026-06-02
    days on market $165,000 Active 85 DOM
14. 2026-06-01
    days on market $165,000 Active 84 DOM
15. 2026-05-31
    days on market $165,000 Active 83 DOM
16. 2026-05-30
    days on market $165,000 Active 82 DOM
17. 2026-05-19
    price $165,000 549-char remark

    Show marketing remark (549 chars)

    Welcome to 14143 Delta Drive, a one level 3 bedroom, 2 bath home situated on a flat lot just off McPherson Landing Road! This property features an open kitchen with stainless steel appliances, tile backsplash, and warm wood cabinetry, flowing seamlessly into the open living areas. Two living spaces, including a spacious open den with a fireplace and elevated dining area, provide flexibility for everyday living and entertaining. Outside, enjoy a large yard with plenty of room for entertainment or activities! Call today to schedule your showing!

18. 2026-03-09
    listed $172,000 Active 549-char remark

    Show marketing remark (549 chars)

    Welcome to 14143 Delta Drive, a one level 3 bedroom, 2 bath home situated on a flat lot just off McPherson Landing Road! This property features an open kitchen with stainless steel appliances, tile backsplash, and warm wood cabinetry, flowing seamlessly into the open living areas. Two living spaces, including a spacious open den with a fireplace and elevated dining area, provide flexibility for everyday living and entertaining. Outside, enjoy a large yard with plenty of room for entertainment or activities! Call today to schedule your showing!

19. 2026-01-22
    price $176,000
20. 2025-12-18
    listed $179,900 Active
21. 2024-02-27
    price $159,000
22. 2024-02-21
    price $165,000
23. 2019-07-23
    soldstatus $145,000
24. 2019-07-22
    soldstatus $145,000
25. 2018-02-15
    listed $149,900

ⓘ 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: $389 · $32/mo
• Projected year-2 tax: $677 · $56/mo
• Expected delta: +$287/yr (+$24/mo · 73.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 59% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,149
• − Mortgage interest: −$9,243
• − Property taxes: −$389
• − Insurance: −$825
• − Repairs & maintenance: −$1,532
• − Management: −$1,532
• − Depreciation: −$4,800
• Taxable income: $828
• Est. tax owed @ 24.0%: −$199
• After-tax cash flow: $3,331/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: Tuscaloosa County
• NCES district ID: 0103390
• Math proficiency: 21% ▼ -24.00%
• Reading proficiency: 45% ▲ 2.00%
• Median HH income: $53,000
• Composite: 28.88/100
• National rank: #6641
• State rank: #47 of 129 in AL

Livability — Tuscaloosa

• Score: 77/100
• State rank: #9
• US rank: #2909

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Tuscaloosa County · 206,491 people
• City population: 134,228
• Metro: Tuscaloosa, AL
• Population (ZIP): 49,420
• Household income: $62,301
• Rent vs Own: 45.6% rent · 54.4% own
• Severe rent burden: 1963.0

Population outlook (Tuscaloosa County) Hauer SSP2

• Today (2025): 228,293 people
• By 2030: 240,551 · +5.4%
• By 2040: 263,856 · +15.6%
• By 2050: 286,491 · +25.5%
• By 2075: 335,783 · +47.1%
• By 2100: 370,520 · +62.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 56% White 35% Hispanic / Latino 5% Two or more races 3% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Italian 1% Lithuanian 1% Slovak 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 94% English-only · Spanish 4% Other Indo-European 1% Chinese 1%

Political lean MEDSL · Tuscaloosa

• 2024 margin: Strong R (+20.4) · D 39.4% · R 59.8%
• 2008→2024 swing: -4.4pp toward R · 2008: -16.0pp · 2024: -20.4pp
• All cycles: 2024: R+20.4 2020: R+14.8 2016: R+19.5 2012: R+17.4 2008: R+16.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.25%
• Current HPI: 193.1929
• Rent YoY: ▲ 5.42%
• Metro: Tuscaloosa, 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

+10.1% since first listed

9 events — show timeline

• 2026-05-19 Price Changed $165,000 WAMLS
• 2026-03-09 Listed $172,000 WAMLS
• 2026-01-22 Price Changed $176,000 WAMLS
• 2025-12-18 Listed $179,900 WAMLS
• 2024-02-27 Price Changed $159,000 Greater Alabama MLS
• 2024-02-21 Price Changed $165,000 Greater Alabama MLS
• 2019-07-23 Sold (Public Records) $145,000 Public Records
• 2019-07-22 Sold (MLS) $145,000 WAMLS
• 2018-02-15 Listed $149,900 WAMLS

Property tax history

+5.0%/yr

Latest (2025): $389 · +7.8% YoY. Source: county tax records.