2705 4th Pl NW · Center Point, AL 35215

$109,900

2 bd · 2.0 ba · 2,496 sqft · SingleFamily public records · 10 Days on market

Built 1961 Est $167k · 34% under

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Why this score? — see what drove the B 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 +28.5/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• Rent growth +3.3/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Spacious home on a generous lot featuring a finished basement and flexible living space. Conveniently located near shopping, dining, and everyday amenities

Key facts

• Generous lot
• Finished basement
• Conveniently located

Tags

• FINISHED BASEMENT
• FLEXIBLE LIVING SPACE
• GENEROUS LOT
• CONVENIENTLY LOCATED

Property features AI

Finance

• Other: Subdivision: Valleydale

Exterior

• Parking: Basement parking; Rear garage entry; One garage space (basement level); One carport space
• Utilities: Public water; Septic sewer; Gas water heater; Internet availability unknown
• Home design: Existing construction; Four-sided brick exterior
• Construction: Concrete block basement; Basement foundation
• Exterior features: Open deck; Balcony; No pool, patio, or garden/patio reported; Not waterfront; Lot not in flood plain

Interior

• Kitchen: Kitchen with stone countertops; Fireplace in kitchen
• Bedrooms: Bedrooms on main level (2 listed)
• Flooring: Hardwood; Marble; Vinyl
• Bathrooms: Three full bathrooms; Tub/shower combo
• Heating & cooling: Gas heating; Central cooling
• Interior features: Smooth ceilings; One wood-burning fireplace with stone surround located in the kitchen; Full basement (both finished and unfinished; concrete block foundation); Has laundry
• Laundry & utility: Main-level laundry room; Washer hookup; Gas dryer hookup; Gas water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $359 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Cap rate 10.2% vs local median 7.3% in Center Point — 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 63/100 on livability (#193 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, commute A, housing A; Watch: crime D, amenities F, employment F.
• Jefferson County (suburban): math 9% / reading 32% proficiency, ranked #104 of 129 in AL (top 81%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Center Point Elementary School (618 students, 82% FRL); Center Point High School (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 774 students, 91% FRL) — zoned schools average 86% FRL vs 49% district-wide (38 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 2% at this address vs 20% district-wide (-18 pts) — the specific schools serving this property underperform the Jefferson County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.0%/yr); 334 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 31% of the median local income ($53k/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 $760 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 3y 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 $78k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• 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 $109,900

Questions for the listing agent

1. Built in 1961 — 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. 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?
4. Crime grade is D 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: 1.25% ✓
• Cap rate: 10.21%
• Cash-on-cash: 14.00%
• DSCR: 1.62
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $167,232
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
436 26th Ave NW	0.17mi	3/2.0 (+1)	2,272 (-9%)	8mo	$135,000	$59	65
2832 2nd Way NW	0.30mi	3/2.0 (+1)	2,816 (+13%)	5mo	$188,000	$67	56
436 27th Ave	0.08mi	3/2.0 (+1)	2,137 (-14%)	14mo	$250,000	$117	56
608 27th Ave NW	0.42mi	3/2.5 (+1)	2,208 (-12%)	3mo	$99,275	$45	52
2433 4th St NW	0.39mi	3/2.5 (+1)	2,135 (-14%)	6mo	$100,000	$47	46
2433 5th Pl NW	0.37mi	3/2.0 (+1)	2,779 (+11%)	21mo	$189,500	$68	41

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 · 3.04% rent growth · sell at horizon

5-year hold

• IRR: 4.3%
• Equity multiple: 1.17×
• Total profit: $5,113
• Equity at exit: $16,386

10-year hold

• IRR: 13.8%
• Equity multiple: 2.11×
• Total profit: $34,124
• Equity at exit: $9,502

Cash invested: $30,772 (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 35215

• Home prices YoY: -34.4%
• Rents YoY: 3.0%
• Active inventory: 334
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,374 medium
• Mortgage (P&I): −$576
• Tax from tax record: −$104 /mo · $1,249/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $359

Break-even live

Break-even rent $919

Max offer price $109,900

Occupancy floor 69%

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
457 Tupelo Way Center Point, AL	3.0	1.0	1658	$995	$0.60	21d	1	1.23mi
345 Saint John Rd NW Birmingham, AL	3.0	2.0	2142	$1,731	$0.81	3d	1	1.37mi
2655 6th St NE Center Point, AL	3.0	2.0	1600	$1,390	$0.87	3d	1	1.41mi
605 Country View Dr Birmingham, AL	3.0	2.0	1698	$1,560	$0.92	43d	1	1.43mi

Listing history 8 events

1. 2026-06-18
   days on market $109,900 Active 10 DOM
2. 2026-06-17
   days on market $109,900 Active 9 DOM
3. 2026-06-16
   days on market $109,900 Active 8 DOM
4. 2026-06-15
   days on market $109,900 Active 7 DOM
5. 2026-06-13
   days on market $109,900 Active 5 DOM
6. 2026-06-10
   days on market $109,900 Active 2 DOM
7. 2026-06-09
   remarks 156-char remark
8. 2026-06-09
   listed $109,900 Active 1 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: $1,249 · $104/mo
• Projected year-2 tax: $1,249 · $104/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 3/10 Moderate
• 🌡 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 5/10 Major 6 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,484
• − Mortgage interest: −$6,156
• − Property taxes: −$1,249
• − Insurance: −$550
• − Repairs & maintenance: −$1,319
• − Management: −$1,319
• − Depreciation: −$3,197
• Taxable income: $2,695
• Est. tax owed @ 24.0%: −$647
• After-tax cash flow: $3,661/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: Jefferson County
• NCES district ID: 0101920
• Math proficiency: 9% ▼ -24.00%
• Reading proficiency: 32% ▼ -5.00%
• Median HH income: $51,712
• Composite: 18.4/100
• National rank: #8937
• State rank: #104 of 129 in AL

Livability — Center Point

• Score: 63/100
• State rank: #193
• US rank: #15671

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Center Point, AL
• County: Jefferson County · 527,445 people
• City population: 43,903
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 43,903
• Household income: $52,793
• Rent vs Own: 43.4% rent · 56.6% own
• Severe rent burden: 1729.0

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 (75%)
• Race & ethnicity: Black 75% White 15% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Lithuanian 1% Italian 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 7%

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: ▼ -112.97%
• Current HPI: 215.0607
• Rent YoY: ▲ 3.04%
• 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

+40.9% since first listed

6 events — show timeline

• 2026-06-08 Listed $109,900 Greater Alabama MLS
• 2024-04-26 Rental Removed $1,595 APPFOLIO
• 2024-04-23 Listed for Rent $1,595 APPFOLIO
• 2023-12-22 Rental Removed $1,595 APPFOLIO
• 2023-10-23 Listed for Rent $1,595 APPFOLIO
• 2010-12-16 Sold (Public Records) $78,000 Public Records

Property tax history

+11.6%/yr

Latest (2025): $1,249 · +0.0% YoY. Source: county tax records.