124 Fox Hill Dr · Center Point, AL 35215

$149,900

3 bd · 2.5 ba · 1,624 sqft · SingleFamily public records · 52 Days on market

Built 1979 0.34 ac lot $92/sqft · 6% above area Est $219k · 31% 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 +17.5/30.0
• ARV discount +15.0/15.0
• DSCR +5.5/10.0
• 1% rule +4.4/10.0
• 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 MLS

Welcome to this charming 3-bedroom, 2-bath home located in established Center Point within Jefferson County. Situated on a spacious lot, this home offers approximately 1,700+ square feet of comfortable living space with a functional layout perfect for everyday living and entertaining. Enjoy a bright and inviting living area, a well-appointed kitchen with ample cabinet space, and generously sized bedrooms. The primary suite features a private bath, while additional bedrooms provide flexibility for family, guests, or a home office. Step outside to a large yard ideal for outdoor activities, gardening, or relaxing evenings. Conveniently located near shopping, dining, and major roadways, with easy access to Birmingham. Great opportunity for homeowners or investors—don’t miss your chance to make this property your own!

Key facts

• Bright living area
• Large yard
• Spacious lot

Tags

• SPACIOUS LOT
• BRIGHT LIVING AREA
• WELL-APPOINTED KITCHEN
• LARGE YARD
• CONVENIENTLY LOCATED

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $115 ($1k/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 $141k (5.7% below list).
• Recommended offer: $141k (5.7% below list) — sets the bar for 1% rule.

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, schools F, amenities 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.
• Market conditions: Rents rising (+3.0%/yr); 334 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 46% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 32% 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 $1k of loan paydown is wiped out by about $4k 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

• It's been on market 52 days — a 3% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
• 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.

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 $141,290 (5.7% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.94% ✗
• Cap rate: 7.21%
• Cash-on-cash: 3.28%
• DSCR: 1.15
• GRM: 8.8

CMA / ARV

• ARV (median comp): $218,590
• List price: $149,900
• Delta: -31.42%
• 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
100 26th Ave NW	0.29mi	4/2.0 (+1)	1,706 (+5%)	8mo	$145,000	$85	64
2620 2nd Way NW	0.26mi	4/2.0 (+1)	1,451 (-11%)	1mo	$220,000	$152	62
2421 2nd St NE	0.56mi	3/2.0	1,661 (+2%)	8mo	$196,000	$118	62
2813 4th Pl NW	0.52mi	4/2.5 (+1)	1,530 (-6%)	4mo	$220,000	$144	58
3105 3rd St NE	0.72mi	3/2.0	1,593 (-2%)	5mo	$169,500	$106	57
3035 Apple Valley Ln	0.73mi	3/2.0	1,682 (+4%)	5mo	$225,000	$134	54
3054 Wood Cir	0.52mi	4/2.5 (+1)	1,763 (+9%)	8mo	$235,000	$133	50
3009 Wood Cir	0.73mi	3/2.5	1,734 (+7%)	7mo	$195,000	$112	49
2505 2nd St NW	0.34mi	3/1.0	1,386 (-15%)	7mo	$134,500	$97	48
317 26th Ave NE	0.66mi	3/1.5	1,500 (-8%)	7mo	$158,500	$106	46
508 26th Ave NW	0.63mi	3/2.0	1,383 (-15%)	2mo	$197,600	$143	42
109 36th Ave NE	0.73mi	3/2.0	1,456 (-10%)	7mo	$219,900	$151	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: -11.1%
• Equity multiple: 0.60×
• Total profit: $-16,925
• Equity at exit: $22,351

10-year hold

• IRR: -1.8%
• Equity multiple: 0.88×
• Total profit: $-5,094
• Equity at exit: $12,961

Cash invested: $41,972 (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: 8.8×

Monthly cashflow live

• Estimated rent: $1,413 high
• Mortgage (P&I): −$786
• Tax from tax record: −$153 /mo · $1,835/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $115

Break-even live

Break-even rent $1,268

Max offer price $149,900

Occupancy floor 87%

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
127 Fox Hill Ct Center Point, AL	3.0	2.0	1418	$1,545	$1.09	43d	1	0.10mi
408 Sunhill Rd NW Center Point, AL	3.0	1.5	1290	$1,355	$1.05	43d	1	0.45mi
2629 Wood Dr NE Center Point, AL	3.0	1.0	1203	$1,250	$1.04	43d	1	0.46mi
202 Westchester Dr Birmingham, AL	4.0	2.0	1374	$1,300	$0.95	23d	1	0.47mi
3309 Chase Ln Unit 3309 Birmingham, AL	2.0	2.0	1068	$1,000	$0.94	43d	1	0.56mi
2613 5th St NW Center Point, AL	3.0	1.0	1170	$1,150	$0.98	11d	1	0.58mi
2416 4th St NW Center Point, AL	4.0	2.0	1400	$1,500	$1.07	23d	1	0.62mi
3073 Panorama E Birmingham, AL	1.0–3.0	1.0–2.0	975	$1,275	$1.31	1d	20	0.62mi
2412 4th St NW Center Point, AL	3.0	1.0	1224	$1,150	$0.94	16d	1	0.62mi
2324 3rd St NE Center Point, AL	3.0	2.0	1329	$1,300	$0.98	23d	1	0.75mi
532 26th Ave NW Center Point, AL	4.0	1.0	1644	$1,250	$0.76	43d	1	0.76mi
2245 3rd St NW Center Point, AL	3.0	1.0	1156	$1,100	$0.95	23d	1	0.78mi
319 23rd Ave NW Center Point, AL	3.0	2.0	1284	$1,395	$1.09	43d	1	0.81mi
2320 5th St NW Center Point, AL	3.0	1.0	1098	$1,150	$1.05	43d	1	0.84mi
2655 6th St NE Center Point, AL	3.0	2.0	1600	$1,390	$0.87	2d	1	0.89mi
3814 Mars Ave Center Point, AL	4.0	2.0	2063	$1,890	$0.92	43d	1	0.91mi
2245 3rd St NE Center Point, AL	3.0	1.0	1150	$1,100	$0.96	23d	1	0.92mi
605 Country View Dr Birmingham, AL	3.0	2.0	1698	$1,560	$0.92	43d	1	0.92mi
607 Country View Dr Birmingham, AL	4.0	2.0	1568	$1,550	$0.99	23d	1	0.93mi
2708 7th St NE Center Point, AL	3.0	1.0	1451	$1,150	$0.79	43d	1	0.97mi
332 23rd Ave NE Center Point, AL	3.0	1.0	1100	$1,350	$1.23	2d	1	0.97mi
2229 3rd St NE Center Point, AL	3.0	1.0	1215	$1,125	$0.93	23d	1	1.00mi
5992 Princess Blvd Birmingham, AL	3.0	2.0	1454	$1,661	$1.14	43d	1	1.15mi
149 Martin Dr Birmingham, AL	3.0	2.0	1164	$1,485	$1.28	23d	1	1.15mi
2249 4th Place Cir NE Center Point, AL	3.0	1.5	1400	$1,400	$1.00	43d	1	1.16mi
424 Tupelo Way Center Point, AL	4.0	2.0	1233	$1,300	$1.05	43d	1	1.18mi
340 40th Ave NE Center Point, AL	3.0	2.0	2007	$1,650	$0.82	16d	1	1.19mi
457 Tupelo Way Center Point, AL	3.0	1.0	1658	$995	$0.60	21d	1	1.27mi
212 Saint John Dr NW Birmingham, AL	2.0	2.0	1445	$1,423	$0.98	14d	1	1.28mi
107 Sterling Ct NW Center Point, AL	2.0	1.5–2.0	1026	$1,062	$1.04	2d	4	1.29mi
2232 6th St NE Center Point, AL	3.0	1.0	1550	$1,150	$0.74	43d	1	1.29mi
345 Saint John Rd NW Birmingham, AL	3.0	2.0	2142	$1,731	$0.81	2d	1	1.33mi
1905 2nd St NW Center Point, AL	3.0	1.0	1258	$1,395	$1.11	43d	1	1.33mi
413 20th Ct NE Center Point, AL	3.0	1.5	1540	$1,375	$0.89	43d	1	1.36mi
113 19th Ave NW Center Point, AL	3.0	2.0	1407	$1,250	$0.89	11d	1	1.38mi
305 18th Ct NW Center Point, AL	3.0	1.5	1270	$1,100	$0.87	43d	1	1.46mi
1104 Oak Creek Trl NE Birmingham, AL	3.0	2.0	1233	$1,543	$1.25	2d	1	1.49mi

Listing history 17 events

1. 2026-06-10
   status $149,900 Pending 52 DOM
2. 2026-06-09
   days on market $149,900 Active 52 DOM
3. 2026-06-08
   days on market $149,900 Active 51 DOM
4. 2026-06-07
   days on market $149,900 Active 50 DOM
5. 2026-06-03
   days on market $149,900 Active 46 DOM
6. 2026-06-02
   days on market $149,900 Active 45 DOM
7. 2026-06-01
   days on market $149,900 Active 44 DOM
8. 2026-05-31
   days on market $149,900 Active 43 DOM
9. 2026-05-15
   price $149,900 836-char remark

   Show marketing remark (836 chars)

   Welcome to this charming 3-bedroom, 2-bath home located in established Center Point within Jefferson County. Situated on a spacious lot, this home offers approximately 1,700+ square feet of comfortable living space with a functional layout perfect for everyday living and entertaining. Enjoy a bright and inviting living area, a well-appointed kitchen with ample cabinet space, and generously sized bedrooms. The primary suite features a private bath, while additional bedrooms provide flexibility for family, guests, or a home office. Step outside to a large yard ideal for outdoor activities, gardening, or relaxing evenings. Conveniently located near shopping, dining, and major roadways, with easy access to Birmingham. Great opportunity for homeowners or investors—don’t miss your chance to make this property your own!

10. 2026-04-18
    listed $154,900 Active 836-char remark

    Show marketing remark (836 chars)

    Welcome to this charming 3-bedroom, 2-bath home located in established Center Point within Jefferson County. Situated on a spacious lot, this home offers approximately 1,700+ square feet of comfortable living space with a functional layout perfect for everyday living and entertaining. Enjoy a bright and inviting living area, a well-appointed kitchen with ample cabinet space, and generously sized bedrooms. The primary suite features a private bath, while additional bedrooms provide flexibility for family, guests, or a home office. Step outside to a large yard ideal for outdoor activities, gardening, or relaxing evenings. Conveniently located near shopping, dining, and major roadways, with easy access to Birmingham. Great opportunity for homeowners or investors—don’t miss your chance to make this property your own!

11. 2024-03-11
    soldstatus $7,216,000
12. 2016-02-01
    soldstatus $26,016,500
13. 2014-10-03
    soldstatus $45,500
14. 2014-09-30
    soldstatus $45,250 736-char remark

    Show marketing remark (736 chars)

    What an opportunity! This home has room for everyone!! Two story home on a full basement that features a finished den with a fireplace to enjoy on those chilly nights, bedroom and full bath for visiting family or friends. Main level offers a large living room for entertaining guests, kitchen with ample cabinet and counter space for preparing meals, just off the kitchen is the dining room for sharing meals, a half bath for your convenience. Enjoy a nice cup of coffee on the large open deck. On the second level you will find the master bedroom and master bath as well as 2 bedrooms and additional full bath. This home is conveniently located near schools, shopping and entertainment. AL Right of Redemption may affect this property.

15. 2014-08-05
    listed $45,500 736-char remark

    Show marketing remark (736 chars)

    What an opportunity! This home has room for everyone!! Two story home on a full basement that features a finished den with a fireplace to enjoy on those chilly nights, bedroom and full bath for visiting family or friends. Main level offers a large living room for entertaining guests, kitchen with ample cabinet and counter space for preparing meals, just off the kitchen is the dining room for sharing meals, a half bath for your convenience. Enjoy a nice cup of coffee on the large open deck. On the second level you will find the master bedroom and master bath as well as 2 bedrooms and additional full bath. This home is conveniently located near schools, shopping and entertainment. AL Right of Redemption may affect this property.

16. 2004-02-09
    soldstatus $110,250
17. 1988-03-01
    soldstatus $59,451

ⓘ 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: $1,835 · $153/mo
• Projected year-2 tax: $1,835 · $153/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: $16,955
• − Mortgage interest: −$8,397
• − Property taxes: −$1,835
• − Insurance: −$750
• − Repairs & maintenance: −$1,356
• − Management: −$1,356
• − Depreciation: −$4,361
• Taxable loss: −$1,100
• Est. tax savings @ 24.0%: +$264
• After-tax cash flow: $1,641/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

+152.1% since first listed

9 events — show timeline

• 2026-05-15 Price Changed $149,900 Greater Alabama MLS
• 2026-04-18 Listed $154,900 Greater Alabama MLS
• 2024-03-11 Sold (Public Records) $7,216,000 Public Records
• 2016-02-01 Sold (Public Records) $26,016,500 Public Records
• 2014-10-03 Sold (Public Records) $45,500 Public Records
• 2014-09-30 Sold (MLS) $45,250 Greater Alabama MLS
• 2014-08-05 Listed $45,500 Greater Alabama MLS
• 2004-02-09 Sold (Public Records) $110,250 Public Records
• 1988-03-01 Sold (Public Records) $59,451 Public Records

Property tax history

+11.5%/yr

Latest (2025): $1,835 · +0.0% YoY. Source: county tax records.