100 Pine St · Bessemer, AL 35022

$66,000

3 bd · 1.0 ba · 1,120 sqft · SingleFamily public records · 57 Days on market

Built 1945 0.26 ac lot $59/sqft · 55% below area

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +5.0/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Calling all investors, flippers, and visionaries! This diamond in the rough is your next opportunity to create serious equity in the heart of Bessemer. Sitting on two lots, this property offers great bones and endless potential, perfect for your next fix-and-flip, rental addition, or full renovation project. With easy access to major highways, and growing rental demand in the area, this is your chance to buy and build value. Customize this space to your liking and watch your investment pay off. Don’t miss this opportunity to bring your vision to life and turn potential into profit. Opportunities like this don’t last long, schedule your showing today!

Key facts

• Two lots
• 0.26 acre lot
• Built 1945

Tags

• TWO LOTS
• EASY ACCESS TO MAJOR HIGHWAYS
• GROWING RENTAL DEMAND

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $66k.

Deal economics

• At list price, monthly cash flow is $658 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $66k).
• Recommended offer: $64k (3.0% below list) — sets the bar for market timing.
• Cap rate 18.2% vs local median 5.9% in Bessemer — 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 59/100 on livability (#331 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A; Watch: schools D-, crime 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 fast (+14.8%/yr); 311 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $456 of loan paydown is wiped out by about $2k 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 + 8.0% rent growth), your $18k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($64k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $45k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 46% 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 $64,020 (3.0% below list)

Questions for the listing agent

1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1945 — 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 D-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 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?
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: 2.07% ✓
• Cap rate: 18.25%
• Cash-on-cash: 42.70%
• DSCR: 2.90
• GRM: 4.0

CMA / ARV

• ARV (median comp): $147,931
• List price: $66,000
• Delta: -55.38%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
534 Elm St SW	0.45mi	3/1.0	1,120 (0%)	8mo	$125,000	$112	72
990 Bluff St	0.65mi	3/2.0	1,256 (+12%)	4mo	$115,000	$92	42
63 Bluebell St	0.68mi	4/1.5 (+1)	1,232 (+10%)	3mo	$100,000	$81	42
517 Alice St SW	0.48mi	2/1.0 (-1)	1,230 (+10%)	17mo	$75,000	$61	42
100 Black Ave	0.72mi	3/2.0	1,232 (+10%)	10mo	$146,000	$119	37
840 Delta St	0.63mi	3/2.0	1,288 (+15%)	6mo	$228,000	$177	37
1117 Hudson Ave	0.68mi	2/1.0 (-1)	1,215 (+8%)	16mo	$175,000	$144	36

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 44.9%
• Equity multiple: 3.08×
• Total profit: $38,398
• Equity at exit: $9,841

10-year hold

• IRR: 52.9%
• Equity multiple: 7.50×
• Total profit: $120,197
• Equity at exit: $5,706

Cash invested: $18,480 (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 35022

• Home prices YoY: -20.2%
• Rents YoY: 14.8%
• Active inventory: 311
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,365 high
• Mortgage (P&I): −$346
• Tax from tax record: −$47 /mo · $569/yr
• Insurance: −$28
• HOA: −$0
• Vacancy / Maint / Mgmt: −$287
• Net cashflow: $658

Break-even live

Break-even rent $533

Max offer price $66,000

Occupancy floor 47%

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: $16,500
• Closing costs: $1,980
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
63 Bluebell St Bessemer, AL	4.0	2.0	1232	$1,399	$1.14	15d	1	0.66mi
10 Center St Bessemer, AL	3.0	1.0	1152	$1,000	$0.87	43d	1	0.78mi
18 Center St Bessemer, AL	3.0	1.0	1418	$1,100	$0.78	43d	1	0.81mi
300 Norwood Ave Bessemer, AL	3.0	1.0	966	$900	$0.93	11d	1	0.91mi
300 Norwood Ave Bessemer, AL	3.0	1.0	966	$1,000	$1.04	23d	1	0.91mi
236 Clifton St Bessemer, AL	3.0	1.0	1450	$1,100	$0.76	43d	1	0.91mi
410 W Lake Dr Bessemer, AL	2.0	1.0	780	$875	$1.12	10d	1	1.08mi
306 W Lake Cir SW Bessemer, AL	1.0–3.0	1.0–2.0	1004	$1,455	$1.45	1d	1	1.12mi
510 W Lake Dr Bessemer, AL	3.0	1.0	950	$1,025	$1.08	15d	1	1.15mi
512 W Lake Dr Bessemer, AL	3.0	1.0	944	$1,125	$1.19	11d	1	1.16mi
531 W Lake Dr Bessemer, AL	3.0	1.0	1014	$1,200	$1.18	2d	1	1.20mi
622 Jefferson Ave Unit 622 Bessemer, AL	2.0	1.0	800	$850	$1.06	3d	1	1.32mi
622 Jefferson Ave Bessemer, AL	2.0	1.0	800	$850	$1.06	21d	1	1.32mi
806 4th Ave N Bessemer, AL	3.0	1.0	1092	$1,050	$0.96	23d	1	1.44mi

Listing history 19 events

1. 2026-06-18
   days on market $66,000 Active 57 DOM
2. 2026-06-17
   days on market $66,000 Active 56 DOM
3. 2026-06-16
   days on market $66,000 Active 55 DOM
4. 2026-06-15
   days on market $66,000 Active 54 DOM
5. 2026-06-13
   days on market $66,000 Active 52 DOM
6. 2026-06-10
   days on market $66,000 Active 49 DOM
7. 2026-06-09
   days on market $66,000 Active 48 DOM
8. 2026-06-08
   days on market $66,000 Active 47 DOM
9. 2026-06-07
   days on market $66,000 Active 46 DOM
10. 2026-06-03
    days on market $66,000 Active 42 DOM
11. 2026-06-02
    days on market $66,000 Active 41 DOM
12. 2026-06-01
    days on market $66,000 Active 40 DOM
13. 2026-05-31
    days on market $66,000 Active 39 DOM
14. 2026-04-22
    listed $66,000 Active 670-char remark

    Show marketing remark (670 chars)

    Calling all investors, flippers, and visionaries! This diamond in the rough is your next opportunity to create serious equity in the heart of Bessemer. Sitting on two lots, this property offers great bones and endless potential, perfect for your next fix-and-flip, rental addition, or full renovation project. With easy access to major highways, and growing rental demand in the area, this is your chance to buy and build value. Customize this space to your liking and watch your investment pay off. Don’t miss this opportunity to bring your vision to life and turn potential into profit. Opportunities like this don’t last long, schedule your showing today!

15. 2026-03-26
    price $66,000
16. 2026-01-29
    price $69,999
17. 2023-03-03
    price $70,000
18. 2022-12-19
    soldstatus $45,000
19. 1998-02-27
    soldstatus $13,090

ⓘ 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: $569 · $47/mo
• Projected year-2 tax: $569 · $47/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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 46% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,383
• − Mortgage interest: −$3,697
• − Property taxes: −$569
• − Insurance: −$330
• − Repairs & maintenance: −$1,311
• − Management: −$1,311
• − Depreciation: −$1,920
• Taxable income: $7,246
• Est. tax owed @ 24.0%: −$1,739
• After-tax cash flow: $6,151/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 — Bessemer

• Score: 59/100
• State rank: #331
• US rank: #20078

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 23,126
• Household income: $81,846
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 554.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 53% White 41% Hispanic / Latino 3% Two or more races 2% Asian 1%
• Common ancestry: Italian 1% Slovak 1% Iranian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 96% English-only · Spanish 3% Chinese 1%

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: ▼ -55.40%
• Current HPI: 219.3839
• Rent YoY: ▲ 14.80%
• 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

+404.2% since first listed

6 events — show timeline

• 2026-04-22 Listed $66,000 Greater Alabama MLS
• 2026-03-26 Price Changed $66,000 Greater Alabama MLS
• 2026-01-29 Price Changed $69,999 Greater Alabama MLS
• 2023-03-03 Price Changed $70,000 Greater Alabama MLS
• 2022-12-19 Sold (Public Records) $45,000 Public Records
• 1998-02-27 Sold (Public Records) $13,090 Public Records

Property tax history

-0.5%/yr

Latest (2025): $569 · +0.0% YoY. Source: county tax records.