425 NW 14th Ave · Center Point, AL 35215

$116,900

3 bd · 1.5 ba · 1,175 sqft · SingleFamily public records · 106 Days on market

Built 1964 0.30 ac lot $99/sqft · 6% below area Est $124k · 6% 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 +24.3/30.0
• ARV discount +10.2/15.0
• DSCR +7.9/10.0
• 1% rule +5.7/10.0
• 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

What a find for under $125K! This freshly updated 3-bedroom, 2-bath home is ready for its next owner. Featuring spacious hardwood floors throughout and fresh interior paint, the home offers both charm and comfort. Step outside to a large fenced backyard with a deck—perfect for relaxing evenings and weekend cookouts. Recently updated kitchen appliances. A storage building provides space for a workshop or extra storage. Recent upgrades include the HVAC system and roof. The property also offers a nice lot with an attached covered carport. Whether you're looking for a home or a smart investment, this one is worth a look!

Key facts

• Move-in ready
• Hvac updated
• Roof updated

Tags

• MOVE-IN READY
• HARDWOOD FLOORS
• EAT-IN KITCHEN
• LARGE FENCED BACKYARD
• HVAC UPDATED
• ROOF UPDATED

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $117k.

Deal economics

• At list price, monthly cash flow is $236 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $117k).
• Recommended offer: $106k (9.0% below list) — sets the bar for market timing.

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); 333 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $808 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 106 days — a 9% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y ago; this cycle's ask has dropped $8k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $60k; list at $117k implies a 95% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; 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 $106,379 (9.0% below list)

Questions for the listing agent

1. It's been on market 106 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.07% ✓
• Cap rate: 8.72%
• Cash-on-cash: 8.66%
• DSCR: 1.39
• GRM: 7.8

CMA / ARV

• ARV (median comp): $124,286
• List price: $116,900
• Delta: -5.94%
• 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
424 13th Ct NW	0.09mi	3/1.0	1,118 (-5%)	1mo	$92,500	$83	84
1360 5th Pl NW	0.18mi	3/1.0	1,220 (+4%)	1mo	$92,500	$76	82
409 13th Ct NW	0.14mi	3/1.5	1,118 (-5%)	6mo	$98,672	$88	80
1317 5th Pl NW	0.17mi	3/1.0	1,086 (-8%)	1mo	$92,500	$85	77
421 Wedgeworth Rd	0.36mi	3/1.5	1,092 (-7%)	2mo	$116,400	$107	69
1640 4th Way NW	0.59mi	3/1.0	1,144 (-3%)	4mo	$149,900	$131	62
1712 4th Pl NW	0.71mi	3/1.0	1,182 (+1%)	3mo	$90,000	$76	62
512 16th Ter NW	0.63mi	3/2.0	1,225 (+4%)	1mo	$183,000	$149	61
1240 Lynn Acres Dr	0.64mi	3/1.5	1,224 (+4%)	6mo	$168,000	$137	58
432 13th Ave NW	0.26mi	4/1.0 (+1)	1,346 (+15%)	4mo	$35,100	$26	53
1209 Rose Lynn Ln	0.73mi	3/1.0	1,080 (-8%)	0mo	$150,000	$139	51
628 16th Ct NW	0.68mi	3/2.0	1,323 (+13%)	5mo	$165,000	$125	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: -3.1%
• Equity multiple: 0.88×
• Total profit: $-3,860
• Equity at exit: $17,430

10-year hold

• IRR: 6.6%
• Equity multiple: 1.49×
• Total profit: $16,167
• Equity at exit: $10,107

Cash invested: $32,732 (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: 333
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,256 high
• Mortgage (P&I): −$613
• Tax from tax record: −$94 /mo · $1,133/yr
• Insurance: −$49
• HOA: −$0
• Vacancy / Maint / Mgmt: −$264
• Net cashflow: $236

Break-even live

Break-even rent $957

Max offer price $116,900

Occupancy floor 76%

Sensitivity live

Price	-10% $302	-5% $269	+0% $236	+5% $203	+10% $170
Rent	-10% $137	-5% $187	+0% $236	+5% $286	+10% $335
Rate	-1.0pp $295	-0.5pp $266	base $236	+0.5pp $206	+1.0pp $175

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: $29,225
• Closing costs: $3,507
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
324 13th Ter NW Center Point, AL	3.0	1.5	1418	$1,295	$0.91	24d	1	0.10mi
405 13th Ct NW Center Point, AL	4.0	1.5	1248	$1,415	$1.13	22d	1	0.14mi
1333 5th Pl NW Center Point, AL	3.0	2.0	1056	$1,275	$1.21	44d	1	0.14mi
400 13th Ave NW Birmingham, AL	2.0	1.0	1100	$890	$0.81	44d	1	0.17mi
1328 5th Pl NW Center Point, AL	3.0	1.0	1250	$1,050	$0.84	17d	1	0.18mi
1356 5th Pl NW Center Point, AL	3.0	1.0	1064	$1,105	$1.04	44d	1	0.18mi
1305 5th Pl NW Center Point, AL	3.0	2.0	1092	$1,200	$1.10	44d	1	0.18mi
1301 5th Pl NW Center Point, AL	3.0	1.0	1170	$1,100	$0.94	4d	1	0.20mi
1232 Oakwood St Birmingham, AL	3.0	1.5	1301	$1,223	$0.94	24d	1	0.20mi
1237 Linwood St Birmingham, AL	3.0	1.5	1066	$995	$0.93	44d	1	0.21mi
1225 Birchwood St Birmingham, AL	3.0	2.0	1092	$1,175	$1.08	4d	1	0.22mi
500 15th Ave NW Center Point, AL	3.0	1.0	1079	$1,050	$0.97	4d	1	0.28mi
108 13th Ave NW Center Point, AL	4.0	2.0	1444	$1,265	$0.88	24d	1	0.30mi
1153 Linwood St Birmingham, AL	3.0	2.0	1250	$1,295	$1.04	4d	1	0.34mi
434 15th Ter NW Center Point, AL	3.0	2.0	1053	$1,200	$1.14	44d	1	0.36mi
621 15th Ave NW Birmingham, AL	4.0	2.0	1070	$1,200	$1.12	17d	1	0.42mi
1612 Glenwood St NW Center Point, AL	4.0	3.0	1344	$1,480	$1.10	24d	1	0.44mi
120 Shawnee Ln NW Birmingham, AL	3.0	1.0	1120	$1,075	$0.96	44d	1	0.50mi
1617 3rd Pl NW Center Point, AL	3.0	2.0	1404	$1,150	$0.82	24d	1	0.53mi
433 Orchid Rd Birmingham, AL	3.0	1.0	1162	$1,255	$1.08	17d	1	0.53mi
1541 Charter East Cir NE Birmingham, AL	1.0–2.0	1.0–1.5	807	$1,095	$1.36	3d	8	0.69mi
1700 4th Pl NW Center Point, AL	3.0	1.0	914	$1,075	$1.18	24d	1	0.71mi
1112 Violet Dr Birmingham, AL	3.0	2.0	1414	$1,600	$1.13	12d	1	0.72mi
1712 4th Pl NW Center Point, AL	3.0	1.0	1182	$1,150	$0.97	24d	1	0.72mi
1628 1st St NW Center Point, AL	3.0	1.0	1124	$1,150	$1.02	44d	1	0.76mi
1629 1st St NW Center Point, AL	3.0	1.0	900	$1,025	$1.14	24d	1	0.78mi
405 18th Ave NW Center Point, AL	3.0	2.0	1162	$1,299	$1.12	44d	1	0.82mi
1732 6th St NW Center Point, AL	3.0	1.5	1300	$1,250	$0.96	4d	1	0.82mi
769 15th Ct NW Birmingham, AL	3.0	1.5	1130	$1,310	$1.16	12d	1	0.83mi
1628 1st St NE Center Point, AL	3.0	1.0	1027	$1,165	$1.13	44d	1	0.84mi
224 13th Ave NE Birmingham, AL	3.0	1.5	1213	$1,273	$1.05	22d	1	0.85mi
217 Killough Dr Birmingham, AL	3.0	2.0	1212	$1,200	$0.99	15d	1	0.89mi
520 Camellia Rd Birmingham, AL	3.0	1.0	1053	$1,100	$1.04	4d	1	0.90mi
239 Lake Drive Cir NE Birmingham, AL	3.0	1.0	1159	$1,125	$0.97	4d	1	0.92mi
241 Lake Drive Cir NE Birmingham, AL	2.0	1.0	1358	$1,025	$0.75	3d	1	0.94mi
305 18th Ct NW Center Point, AL	3.0	1.5	1270	$1,100	$0.87	44d	1	0.94mi
1801 Carson Rd Unit 2 Birmingham, AL	2.0	1.0	800	$600	$0.75	11d	1	1.01mi
213 Meadwood Dr NE Center Point, AL	3.0	1.0	1194	$995	$0.83	44d	1	1.02mi
1821 Carson Rd Unit 2 Birmingham, AL	2.0	1.5	800	$765	$0.96	44d	1	1.05mi
1821 Carson Rd Unit 3 Birmingham, AL	2.0	1.5	800	$580	$0.72	22d	1	1.05mi

Listing history 25 events

1. 2026-06-18
   days on market $116,900 Active 106 DOM
2. 2026-06-17
   days on market $116,900 Active 105 DOM
3. 2026-06-16
   days on market $116,900 Active 104 DOM
4. 2026-06-15
   days on market $116,900 Active 103 DOM
5. 2026-06-13
   days on market $116,900 Active 101 DOM
6. 2026-06-10
   days on market $116,900 Active 98 DOM
7. 2026-06-09
   days on market $116,900 Active 97 DOM
8. 2026-06-08
   days on market $116,900 Active 96 DOM
9. 2026-06-07
   days on market $116,900 Active 95 DOM
10. 2026-06-03
    days on market $116,900 Active 91 DOM
11. 2026-06-02
    days on market $116,900 Active 90 DOM
12. 2026-06-01
    days on market $116,900 Active 89 DOM
13. 2026-05-31
    days on market $116,900 Active 88 DOM
14. 2026-05-06
    price $116,900 630-char remark

    Show marketing remark (630 chars)

    What a find for under $125K! This freshly updated 3-bedroom, 2-bath home is ready for its next owner. Featuring spacious hardwood floors throughout and fresh interior paint, the home offers both charm and comfort. Step outside to a large fenced backyard with a deck—perfect for relaxing evenings and weekend cookouts. Recently updated kitchen appliances. A storage building provides space for a workshop or extra storage. Recent upgrades include the HVAC system and roof. The property also offers a nice lot with an attached covered carport. Whether you're looking for a home or a smart investment, this one is worth a look!

15. 2026-03-27
    price $122,500 630-char remark

    Show marketing remark (630 chars)

    What a find for under $125K! This freshly updated 3-bedroom, 2-bath home is ready for its next owner. Featuring spacious hardwood floors throughout and fresh interior paint, the home offers both charm and comfort. Step outside to a large fenced backyard with a deck—perfect for relaxing evenings and weekend cookouts. Recently updated kitchen appliances. A storage building provides space for a workshop or extra storage. Recent upgrades include the HVAC system and roof. The property also offers a nice lot with an attached covered carport. Whether you're looking for a home or a smart investment, this one is worth a look!

16. 2026-03-04
    listed $124,900 Active 630-char remark

    Show marketing remark (630 chars)

    What a find for under $125K! This freshly updated 3-bedroom, 2-bath home is ready for its next owner. Featuring spacious hardwood floors throughout and fresh interior paint, the home offers both charm and comfort. Step outside to a large fenced backyard with a deck—perfect for relaxing evenings and weekend cookouts. Recently updated kitchen appliances. A storage building provides space for a workshop or extra storage. Recent upgrades include the HVAC system and roof. The property also offers a nice lot with an attached covered carport. Whether you're looking for a home or a smart investment, this one is worth a look!

17. 2025-12-08
    historical $995
18. 2025-09-17
    listed $995
19. 2020-05-08
    soldstatus $60,000
20. 2020-04-17
    soldstatus $80,000 Sold 257-char remark

    Show marketing remark (257 chars)

    Come see this charming home. This home is completely move-in ready, with new paint hardwood floors, and no carpet. Large eat-in kitchen with opening to deck and backyard. Large living room for entertaining. Fenced backyard with a above ground pool and shed.

21. 2020-03-31
    historical Contingent 257-char remark

    Show marketing remark (257 chars)

    Come see this charming home. This home is completely move-in ready, with new paint hardwood floors, and no carpet. Large eat-in kitchen with opening to deck and backyard. Large living room for entertaining. Fenced backyard with a above ground pool and shed.

22. 2020-03-06
    listed $80,000 Active 257-char remark

    Show marketing remark (257 chars)

    Come see this charming home. This home is completely move-in ready, with new paint hardwood floors, and no carpet. Large eat-in kitchen with opening to deck and backyard. Large living room for entertaining. Fenced backyard with a above ground pool and shed.

23. 2009-12-03
    soldstatus $68,500
24. 1987-12-29
    soldstatus $46,900
25. 1979-10-01
    soldstatus $38,563

ⓘ 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: $1,133 · $94/mo
• Projected year-2 tax: $1,133 · $94/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 5/10 Major FEMA zone X (unshaded) · 24% 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 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,074
• − Mortgage interest: −$6,548
• − Property taxes: −$1,133
• − Insurance: −$584
• − Repairs & maintenance: −$1,206
• − Management: −$1,206
• − Depreciation: −$3,401
• Taxable income: $996
• Est. tax owed @ 24.0%: −$239
• After-tax cash flow: $2,596/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: 210,422
• 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

+203.1% since first listed

12 events — show timeline

• 2026-05-06 Price Changed $116,900 Greater Alabama MLS
• 2026-03-27 Price Changed $122,500 Greater Alabama MLS
• 2026-03-04 Listed $124,900 Greater Alabama MLS
• 2025-12-08 Rental Removed $995 APPFOLIO
• 2025-09-17 Listed for Rent $995 APPFOLIO
• 2020-05-08 Sold (Public Records) $60,000 Public Records
• 2020-04-17 Sold (MLS) $80,000 Greater Alabama MLS
• 2020-03-31 Contingent — Greater Alabama MLS
• 2020-03-06 Listed $80,000 Greater Alabama MLS
• 2009-12-03 Sold (Public Records) $68,500 Public Records
• 1987-12-29 Sold (Public Records) $46,900 Public Records
• 1979-10-01 Sold (Public Records) $38,563 Public Records

Property tax history

+6.6%/yr

Latest (2025): $1,133 · +7.0% YoY. Source: county tax records.