600 Country View Ter · Center Point, AL 35215

$164,900

4 bd · 3.0 ba · 2,639 sqft · SingleFamily public records · 21 Days on market

Built 1970 Est $256k · 36% 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 +22.2/30.0
• ARV discount +15.0/15.0
• DSCR +7.1/10.0
• 1% rule +5.3/10.0
• 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

THIS IS A WONDERFUL CORNER LOT PROPERTY LOCATED IN THE CENTERPOINT AREA, THIS HOME HAS 4 BEDROOMS, 3 BATHS PLUS A DEN AND TWO CAR GARAGE, AND A FENCED IN BACKYARD. THIS HOME IS JUST WAITING ON A NEW OWNWER. THIS HOME WONT LAST LONG!!

Key facts

• Masonry fireplace
• Fenced in backyard
• Finished basement

Tags

• CORNER LOT
• LARGE COVERED DECK
• FENCED IN BACKYARD
• FINISHED BASEMENT
• MASONRY FIREPLACE
• DEDICATED LAUNDRY ROOM

Property features AI

Finance

• HOA & community: No association fee

Exterior

• Parking: Rear garage entry; Basement parking; 2 total garage spaces (both in basement)
• Utilities: Public water; Connected sewer; Internet service available
• Home design: One-story home with main-level living areas; Existing construction; 1-sided brick and wood siding exterior
• Construction: Concrete block basement foundation
• Exterior features: Fenced yard; Covered deck

Interior

• Kitchen: Laminate countertops
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level (total 4 bedrooms on main level)
• Flooring: Carpet; Hardwood; Vinyl
• Bathrooms: Three full bathrooms; Garden tub
• Heating & cooling: Central heating; Central electric cooling
• Interior features: One wood-burning masonry fireplace in the den; Attic with pull-down access; Finished and unfinished full basement (concrete block foundation)
• Laundry & utility: Laundry room in the basement; Washer hookup; Electric dryer hookup; Gas water heater

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $165k.

Deal economics

• At list price, monthly cash flow is $213 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $165k).
• Recommended offer: $162k (1.5% 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, 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; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 39% 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 $5k 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 21 days — a 2% lower offer ($162k) 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

• Watch-outs: flood insurance adds $56/mo.
• Climate carrying-cost: severe 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 $162,426 (1.5% below list)

Questions for the listing agent

1. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 1.03% ✓
• Cap rate: 8.24%
• Cash-on-cash: 6.97%
• DSCR: 1.31
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $255,983
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4005 4th St NE	0.60mi	4/3.0	2,664 (+1%)	2mo	$273,000	$102	69
3107 3rd Way NE	0.32mi	4/3.0	2,289 (-13%)	2mo	$195,000	$85	61
2621 NE 3rd St	0.59mi	4/3.0	2,625 (-0%)	18mo	$254,900	$97	57
4513 Winchester Hills Way	0.69mi	4/2.5	2,655 (+1%)	11mo	$246,000	$93	56
2746 6th St NE	0.08mi	5/2.0 (+1)	2,910 (+10%)	20mo	$250,000	$86	53
3713 5th St NE	0.39mi	4/2.5	2,317 (-12%)	12mo	$280,000	$121	50
132 38th Ave NE	0.69mi	4/3.0	2,456 (-7%)	8mo	$210,000	$86	50
307 35th Ave NE	0.42mi	3/2.0 (-1)	2,251 (-15%)	3mo	$189,000	$84	45
308 37th Ct NE	0.53mi	3/2.5 (-1)	2,408 (-9%)	14mo	$265,000	$110	42
2721 5th St NE	0.25mi	3/2.0 (-1)	2,301 (-13%)	20mo	$146,980	$64	41
749 Gable Dr	0.69mi	5/3.0 (+1)	2,390 (-9%)	8mo	$250,000	$105	40
314 37th Ave	0.41mi	3/2.0 (-1)	2,258 (-14%)	15mo	$232,999	$103	35

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: -7.7%
• Equity multiple: 0.72×
• Total profit: $-13,097
• Equity at exit: $24,587

10-year hold

• IRR: 1.9%
• Equity multiple: 1.14×
• Total profit: $6,387
• Equity at exit: $14,258

Cash invested: $46,172 (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: 8.1×

Monthly cashflow live

• Estimated rent: $1,700 high
• Mortgage (P&I): −$865
• Tax from tax record: −$141 /mo · $1,695/yr
• Insurance: −$69
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$357
• Net cashflow: $213

Break-even live

Break-even rent $1,431

Max offer price $164,900

Occupancy floor 82%

Sensitivity live

Price	-10% $306	-5% $259	+0% $213	+5% $166	+10% $119
Rent	-10% $78	-5% $145	+0% $213	+5% $280	+10% $347
Rate	-1.0pp $296	-0.5pp $254	base $213	+0.5pp $170	+1.0pp $126

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: $41,225
• Closing costs: $4,947
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
340 40th Ave NE Center Point, AL	3.0	2.0	2007	$1,650	$0.82	16d	1	0.65mi
3005 Sweeney Hollow Pl Birmingham, AL	3.0	2.0	2014	$1,325	$0.66	15d	1	0.89mi
5010 Darlene Dr Pinson, AL	3.0	2.0	1914	$1,550	$0.81	24d	1	0.92mi
3814 Mars Ave Center Point, AL	4.0	2.0	2063	$1,890	$0.92	44d	1	1.21mi
345 Saint John Rd NW Birmingham, AL	3.0	2.0	2142	$1,731	$0.81	3d	1	1.33mi
600 20th Ct NE Center Point, AL	3.0	2.0	1878	$1,650	$0.88	24d	1	1.44mi

Listing history 19 events

1. 2026-06-18
   days on market $164,900 Active 21 DOM
2. 2026-06-17
   days on market $164,900 Active 20 DOM
3. 2026-06-16
   days on market $164,900 Active 19 DOM
4. 2026-06-15
   days on market $164,900 Active 18 DOM
5. 2026-06-13
   days on market $164,900 Active 16 DOM
6. 2026-06-10
   days on market $164,900 Active 13 DOM
7. 2026-06-09
   days on market $164,900 Active 12 DOM
8. 2026-06-08
   days on market $164,900 Active 11 DOM
9. 2026-06-07
   days on market $164,900 Active 10 DOM
10. 2026-06-03
    days on market $164,900 Active 6 DOM
11. 2026-06-02
    days on market $164,900 Active 5 DOM
12. 2026-06-01
    days on market $164,900 Active 4 DOM
13. 2026-05-31
    days on market $164,900 Active 3 DOM
14. 2026-05-28
    listed $164,900 Active
15. 2024-03-11
    soldstatus $406,835,000
16. 2014-10-06
    soldstatus $56,000 233-char remark

    Show marketing remark (233 chars)

    THIS IS A WONDERFUL CORNER LOT PROPERTY LOCATED IN THE CENTERPOINT AREA, THIS HOME HAS 4 BEDROOMS, 3 BATHS PLUS A DEN AND TWO CAR GARAGE, AND A FENCED IN BACKYARD. THIS HOME IS JUST WAITING ON A NEW OWNWER. THIS HOME WONT LAST LONG!!

17. 2014-05-01
    listed $56,000 233-char remark

    Show marketing remark (233 chars)

    THIS IS A WONDERFUL CORNER LOT PROPERTY LOCATED IN THE CENTERPOINT AREA, THIS HOME HAS 4 BEDROOMS, 3 BATHS PLUS A DEN AND TWO CAR GARAGE, AND A FENCED IN BACKYARD. THIS HOME IS JUST WAITING ON A NEW OWNWER. THIS HOME WONT LAST LONG!!

18. 2006-02-02
    soldstatus $125,000
19. 1987-07-30
    soldstatus $72,000

ⓘ 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: $1,695 · $141/mo
• Projected year-2 tax: $1,695 · $141/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥105°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: $20,397
• − Mortgage interest: −$9,237
• − Property taxes: −$1,695
• − Insurance: −$1,491
• − Repairs & maintenance: −$1,632
• − Management: −$1,632
• − Depreciation: −$4,797
• Taxable loss: −$87
• Est. tax savings @ 24.0%: +$21
• After-tax cash flow: $2,571/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

+129.0% since first listed

6 events — show timeline

• 2026-05-28 Listed $164,900 Greater Alabama MLS
• 2024-03-11 Sold (Public Records) $406,835,000 Public Records
• 2014-10-06 Sold (MLS) $56,000 Greater Alabama MLS
• 2014-05-01 Listed $56,000 Greater Alabama MLS
• 2006-02-02 Sold (Public Records) $125,000 Public Records
• 1987-07-30 Sold (Public Records) $72,000 Public Records

Property tax history

+6.1%/yr

Latest (2025): $1,695 · +0.0% YoY. Source: county tax records.