108 Ravine Park · Hueytown, AL 35023

$110,000

2 bd · 1.0 ba · 890 sqft · SingleFamily public records · 111 Days on market

Built 1959 0.73 ac lot $124/sqft · 19% below area Est $136k · 19% 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 +20.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• Appreciation +4.7/10.0
• 1% rule +4.2/10.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

Listing remarks MLS

Welcome to this well-maintained 3-bedroom, 1-bath home located in a quiet area of Hueytown. The home features hardwood floors throughout and a beautifully updated bathroom. Major systems have been updated within the last few years, including a newer roof and HVAC, offering peace of mind for the next owner. Outside, enjoy a large backyard—perfect for entertaining or pets. Conveniently located near schools, shopping, and major roadways, this home is a great opportunity for homeowners or investors.

Key facts

• Hvac
• Newer roof
• Large backyard

Tags

• HARDWOOD FLOORS
• UPDATED BATHROOM
• NEWER ROOF
• HVAC
• LARGE BACKYARD
• CONVENIENTLY LOCATED

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $138 ($2k/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 $101k (7.8% below list).
• Recommended offer: $100k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 5.9% in Hueytown — 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 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, schools F, crime 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 (+1.6%/yr); 250 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 43% 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 is only 17% of the median local income ($70k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• In year one you build about $101 of equity ($761 loan paydown + $-660 appreciation (-0.6% local appreciation)).
• 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 111 days — a 9% lower offer ($100k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $26k; list at $110k implies a 325% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• 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 $100,100 (9.0% below list)

Questions for the listing agent

1. It's been on market 111 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 1959 — 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 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?
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: 0.92% ✗
• Cap rate: 7.80%
• Cash-on-cash: 5.38%
• DSCR: 1.24
• GRM: 9.0

CMA / ARV

• ARV (median comp): $136,172
• List price: $110,000
• Delta: -19.22%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
114 Pinewood Ave	0.67mi	2/1.0	980 (+10%)	6mo	$132,500	$135	47

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold

• IRR: 0.8%
• Equity multiple: 1.03×
• Total profit: $1,065
• Equity at exit: $28,680

10-year hold

• IRR: 5.9%
• Equity multiple: 1.57×
• Total profit: $17,520
• Equity at exit: $31,970

Cash invested: $30,800 (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 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 250
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,014 high
• Mortgage (P&I): −$577
• Tax from tax record: −$40 /mo · $480/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $138

Break-even live

Break-even rent $839

Max offer price $110,000

Occupancy floor 81%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
425 Oakwood Ave Bessemer, AL	2.0–3.0	2.0	1082	$700	$0.65	1d	2	0.49mi
107 Wheeler Dr Bessemer, AL	2.0	1.0	950	$950	$1.00	43d	1	0.76mi
105 Louis Ave Bessemer, AL	2.0	1.0	1073	$1,100	$1.03	43d	1	0.80mi
301 Autumn Brook Ter Unit 401 Hueytown, AL	1.0	1.0	695	$850	$1.22	21d	1	0.97mi
1444 Hueytown Rd Unit B Hueytown, AL	2.0	1.0	725	$945	$1.30	23d	1	0.99mi
109 Oak Ave Bessemer, AL	3.0	1.0	1120	$1,200	$1.07	2d	1	1.02mi
200 Love St Bessemer, AL	2.0	1.0	675	$1,100	$1.63	43d	1	1.10mi
1409 Hueytown Rd Unit 76 Bessemer, AL	2.0	1.0	876	$995	$1.14	2d	1	1.15mi
1409 Hueytown Rd Apt 63 Bessemer, AL	2.0	1.0	876	$995	$1.14	43d	1	1.15mi
1409 Hueytown Rd Unit 09 Bessemer, AL	1.0	1.0	695	$850	$1.22	43d	1	1.15mi
2020 High School Rd Unit C Bessemer, AL	2.0	1.0	733	$750	$1.02	14d	1	1.21mi
622 S Parkell Ave Bessemer, AL	3.0	1.0	963	$1,200	$1.25	43d	1	1.24mi
116 Vail Ave Bessemer, AL	2.0	1.0	1008	$975	$0.97	19d	1	1.41mi
110 Ray Ave Apt 7 Hueytown, AL	2.0	2.0	900	$875	$0.97	2d	1	1.50mi

Listing history 10 events

1. 2026-06-09
   days on market $110,000 Active 111 DOM
2. 2026-06-08
   days on market $110,000 Active 110 DOM
3. 2026-06-07
   days on market $110,000 Active 109 DOM
4. 2026-06-03
   days on market $110,000 Active 105 DOM
5. 2026-06-02
   days on market $110,000 Active 104 DOM
6. 2026-06-01
   days on market $110,000 Active 103 DOM
7. 2026-05-31
   days on market $110,000 Active 102 DOM
8. 2026-02-18
   listed $110,000 Active 506-char remark

   Show marketing remark (506 chars)

   Welcome to this well-maintained 3-bedroom, 1-bath home located in a quiet area of Hueytown. The home features hardwood floors throughout and a beautifully updated bathroom. Major systems have been updated within the last few years, including a newer roof and HVAC, offering peace of mind for the next owner. Outside, enjoy a large backyard—perfect for entertaining or pets. Conveniently located near schools, shopping, and major roadways, this home is a great opportunity for homeowners or investors.

9. 2026-01-31
   price $110,000
10. 1986-11-12
    soldstatus $25,900

ⓘ 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: $480 · $40/mo
• Projected year-2 tax: $480 · $40/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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,165
• − Mortgage interest: −$6,162
• − Property taxes: −$480
• − Insurance: −$550
• − Repairs & maintenance: −$973
• − Management: −$973
• − Depreciation: −$3,200
• Taxable loss: −$173
• Est. tax savings @ 24.0%: +$42
• After-tax cash flow: $1,700/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 — Hueytown

• Score: 57/100
• State rank: #378
• US rank: #21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 25,533
• Household income: $69,863
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 247.0

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: White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% 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: ▼ -0.60%
• Current HPI: 389.38
• Rent YoY: ▲ 1.60%
• 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

+324.7% since first listed

3 events — show timeline

• 2026-02-18 Listed $110,000 Greater Alabama MLS
• 2026-01-31 Price Changed $110,000 Greater Alabama MLS
• 1986-11-12 Sold (Public Records) $25,900 Public Records

Property tax history

-3.5%/yr

Latest (2025): $480 · +6.0% YoY. Source: county tax records.