825 Fowler Crk · Birmingham, AL 35215

$129,900

3 bd · 2.5 ba · 1,608 sqft · SingleFamily public records · 92 Days on market

Built 1954 0.40 ac lot $81/sqft · 6% below area Est $138k · 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 +19.1/30.0
• ARV discount +10.1/15.0
• DSCR +6.0/10.0
• 1% rule +5.3/10.0
• Livability +3.4/5.0
• Rent growth +3.3/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming one-story home located at 825 Fowler Circle in Birmingham. This 3-bedroom, 2-bath residence offers a functional layout with all living spaces on a single level, providing comfort and convenience. The home features spacious bedrooms, a practical floor plan, and plenty of potential to make it your own. Conveniently located near local schools, shopping, and major roadways, this property is a great opportunity for homeowners or investors alike.

Key facts

• 0.4 acre lot
• Parking
• Built 1954

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $138 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $118k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.6% vs local median 6.2% in Birmingham — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 67/100 on livability (#78 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-, schools F, crime F.
• Birmingham City (urban): math 4% / reading 20% proficiency, ranked #116 of 129 in AL (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.0%/yr); 334 active listings in the ZIP; 39 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 44% 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 30% 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 $898 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 92 days — a 9% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $118,209 (9.0% below list)

Questions for the listing agent

1. It's been on market 92 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 1954 — 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: 1.03% ✓
• Cap rate: 7.56%
• Cash-on-cash: 4.54%
• DSCR: 1.20
• GRM: 8.1

CMA / ARV

• ARV (median comp): $137,819
• List price: $129,900
• Delta: -5.75%
• 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
945 Nelson Dr	0.18mi	3/2.0	1,563 (-3%)	6mo	$170,000	$109	80
937 Hickory Dr	0.31mi	4/2.0 (+1)	1,622 (+1%)	6mo	$165,000	$102	72
909 Five Mile Rd	0.37mi	3/2.0	1,532 (-5%)	4mo	$115,000	$75	69
173 Roebuck Dr	0.30mi	3/1.0	1,682 (+5%)	7mo	$72,000	$43	67
600 Annie Laura Dr	0.45mi	4/2.0 (+1)	1,617 (+1%)	6mo	$129,995	$80	66
824 Hickory Dr	0.26mi	4/2.0 (+1)	1,750 (+9%)	3mo	$190,000	$109	64
932 Charles Ct	0.17mi	4/2.0 (+1)	1,430 (-11%)	5mo	$140,000	$98	63
321 Glynn Dr	0.31mi	3/1.5	1,401 (-13%)	1mo	$140,000	$100	59
317 Westwood Dr	0.37mi	3/1.5	1,811 (+13%)	0mo	$124,000	$68	57
201 Redstone Way	0.71mi	3/2.0	1,582 (-2%)	8mo	$182,000	$115	56
216 Westwood Dr	0.42mi	3/1.0	1,384 (-14%)	0mo	$78,500	$57	51
205 Redstone Way	0.72mi	4/2.0 (+1)	1,478 (-8%)	7mo	$175,000	$118	40

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: -9.1%
• Equity multiple: 0.66×
• Total profit: $-12,194
• Equity at exit: $19,369

10-year hold

• IRR: 0.4%
• Equity multiple: 1.03×
• Total profit: $1,029
• Equity at exit: $11,231

Cash invested: $36,372 (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: $1,337 high
• Mortgage (P&I): −$681
• Tax from tax record: −$184 /mo · $2,203/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$281
• Net cashflow: $138

Break-even live

Break-even rent $1,163

Max offer price $129,900

Occupancy floor 85%

Sensitivity live

Price	-10% $211	-5% $174	+0% $138	+5% $101	+10% $64
Rent	-10% $32	-5% $85	+0% $138	+5% $191	+10% $243
Rate	-1.0pp $203	-0.5pp $171	base $138	+0.5pp $104	+1.0pp $70

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 39 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
921 Charles Ct Birmingham, AL	4.0	2.0	1529	$1,450	$0.95	44d	1	0.12mi
945 Elizabeth Dr Birmingham, AL	3.0	1.0	1227	$1,125	$0.92	4d	1	0.31mi
932 Five Mile Rd Birmingham, AL	3.0	1.5	1200	$1,175	$0.98	20d	1	0.34mi
957 Hickory Cir Birmingham, AL	3.0	2.0	1364	$1,195	$0.88	4d	1	0.34mi
252 Westwood Dr Birmingham, AL	3.0	1.5	1124	$1,400	$1.25	2d	1	0.40mi
832 Meadowbrook Dr Birmingham, AL	3.0	2.0	1228	$1,225	$1.00	24d	1	0.46mi
912 Meadowbrook Dr Birmingham, AL	3.0	1.0	1178	$1,100	$0.93	44d	1	0.47mi
221 Lawson Rd Birmingham, AL	3.0	1.5	1102	$1,325	$1.20	24d	1	0.50mi
940 Meadowbrook Dr Birmingham, AL	4.0	1.0	1149	$1,300	$1.13	44d	1	0.50mi
316 Pine St Birmingham, AL	3.0	1.0	1232	$1,100	$0.89	44d	1	0.50mi
929 Meadowbrook Dr Birmingham, AL	3.0	2.0	1649	$1,200	$0.73	12d	1	0.51mi
417 Price Dr Birmingham, AL	4.0	2.0	1584	$1,395	$0.88	24d	1	0.57mi
216 Sanford Dr Birmingham, AL	3.0	1.5	1134	$1,200	$1.06	44d	1	0.59mi
241 Mamie Ln Birmingham, AL	3.0	2.0	1242	$1,495	$1.20	4d	1	0.66mi
1112 Violet Dr Birmingham, AL	3.0	2.0	1414	$1,600	$1.13	12d	1	0.83mi
520 Camellia Rd Birmingham, AL	3.0	1.0	1053	$1,100	$1.04	4d	1	0.83mi
426 Buckingham Cir Birmingham, AL	2.0	1.5	1080	$1,013	$0.94	44d	1	0.84mi
217 Killough Dr Birmingham, AL	3.0	2.0	1212	$1,200	$0.99	15d	1	0.85mi
1177 Five Mile Rd Birmingham, AL	3.0	2.0	1636	$1,100	$0.67	44d	1	0.90mi
1128 Lay Dr Birmingham, AL	3.0	1.5	1700	$1,410	$0.83	12d	1	0.96mi
726 Orchard Rd Birmingham, AL	3.0	1.0	1120	$1,095	$0.98	44d	1	0.99mi
433 Orchid Rd Birmingham, AL	3.0	1.0	1162	$1,255	$1.08	16d	1	1.01mi
736 Gene Reed Rd Birmingham, AL	3.0	2.0	1353	$1,220	$0.90	44d	1	1.03mi
46 Sunscape Dr Birmingham, AL	4.0	2.0	1178	$1,450	$1.23	44d	1	1.07mi
9228 Brookhurst Dr Birmingham, AL	3.0	1.0	1146	$999	$0.87	44d	1	1.09mi
40 Sunscape Dr Birmingham, AL	3.0	2.0	1283	$1,555	$1.21	2d	1	1.10mi
120 Shawnee Ln NW Birmingham, AL	3.0	1.0	1120	$1,075	$0.96	44d	1	1.25mi
617 Carson Crest Cir Birmingham, AL	4.0	2.0	1528	$1,723	$1.13	16d	1	1.28mi
1153 Linwood St Birmingham, AL	3.0	2.0	1250	$1,295	$1.04	3d	1	1.29mi
1232 Oakwood St Birmingham, AL	3.0	1.5	1301	$1,223	$0.94	24d	1	1.32mi
1301 5th Pl NW Center Point, AL	3.0	1.0	1170	$1,100	$0.94	4d	1	1.34mi
1225 Birchwood St Birmingham, AL	3.0	2.0	1092	$1,175	$1.08	4d	1	1.34mi
400 13th Ave NW Birmingham, AL	2.0	1.0	1100	$890	$0.81	44d	1	1.36mi
1305 5th Pl NW Center Point, AL	3.0	2.0	1092	$1,200	$1.10	44d	1	1.36mi
1237 Linwood St Birmingham, AL	3.0	1.5	1066	$995	$0.93	44d	1	1.41mi
1328 5th Pl NW Center Point, AL	3.0	1.0	1250	$1,050	$0.84	16d	1	1.41mi
1333 5th Pl NW Center Point, AL	3.0	2.0	1056	$1,275	$1.21	44d	1	1.45mi
405 13th Ct NW Center Point, AL	4.0	1.5	1248	$1,415	$1.13	22d	1	1.46mi
1356 5th Pl NW Center Point, AL	3.0	1.0	1064	$1,105	$1.04	44d	1	1.50mi

Listing history 21 events

1. 2026-06-18
   days on market $129,900 Active 92 DOM
2. 2026-06-17
   days on market $129,900 Active 91 DOM
3. 2026-06-16
   days on market $129,900 Active 90 DOM
4. 2026-06-15
   days on market $129,900 Active 89 DOM
5. 2026-06-13
   pricedays on market $129,900 Active 87 DOM
6. 2026-06-10
   days on market $134,900 Active 84 DOM
7. 2026-06-09
   days on market $134,900 Active 83 DOM
8. 2026-06-08
   days on market $134,900 Active 82 DOM
9. 2026-06-07
   days on market $134,900 Active 81 DOM
10. 2026-06-03
    days on market $134,900 Active 77 DOM
11. 2026-06-02
    days on market $134,900 Active 76 DOM
12. 2026-06-01
    days on market $134,900 Active 75 DOM
13. 2026-05-31
    days on market $134,900 Active 74 DOM
14. 2026-05-03
    status Active 453-char remark

    Show marketing remark (453 chars)

    Charming one-story home located at 825 Fowler Circle in Birmingham. This 3-bedroom, 2-bath residence offers a functional layout with all living spaces on a single level, providing comfort and convenience. The home features spacious bedrooms, a practical floor plan, and plenty of potential to make it your own. Conveniently located near local schools, shopping, and major roadways, this property is a great opportunity for homeowners or investors alike.

15. 2026-04-19
    status Pending 453-char remark

    Show marketing remark (453 chars)

    Charming one-story home located at 825 Fowler Circle in Birmingham. This 3-bedroom, 2-bath residence offers a functional layout with all living spaces on a single level, providing comfort and convenience. The home features spacious bedrooms, a practical floor plan, and plenty of potential to make it your own. Conveniently located near local schools, shopping, and major roadways, this property is a great opportunity for homeowners or investors alike.

16. 2026-03-17
    status Active 453-char remark

    Show marketing remark (453 chars)

    Charming one-story home located at 825 Fowler Circle in Birmingham. This 3-bedroom, 2-bath residence offers a functional layout with all living spaces on a single level, providing comfort and convenience. The home features spacious bedrooms, a practical floor plan, and plenty of potential to make it your own. Conveniently located near local schools, shopping, and major roadways, this property is a great opportunity for homeowners or investors alike.

17. 2026-02-20
    status Pending 453-char remark

    Show marketing remark (453 chars)

    Charming one-story home located at 825 Fowler Circle in Birmingham. This 3-bedroom, 2-bath residence offers a functional layout with all living spaces on a single level, providing comfort and convenience. The home features spacious bedrooms, a practical floor plan, and plenty of potential to make it your own. Conveniently located near local schools, shopping, and major roadways, this property is a great opportunity for homeowners or investors alike.

18. 2026-02-06
    listed $144,900 Active 453-char remark

    Show marketing remark (453 chars)

    Charming one-story home located at 825 Fowler Circle in Birmingham. This 3-bedroom, 2-bath residence offers a functional layout with all living spaces on a single level, providing comfort and convenience. The home features spacious bedrooms, a practical floor plan, and plenty of potential to make it your own. Conveniently located near local schools, shopping, and major roadways, this property is a great opportunity for homeowners or investors alike.

19. 2016-04-06
    soldstatus $12,676,500
20. 2015-08-31
    soldstatus $48,000
21. 1987-03-27
    soldstatus $58,900

ⓘ 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: $2,203 · $184/mo
• Projected year-2 tax: $2,203 · $184/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 ≥105°F today · 17 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: $16,049
• − Mortgage interest: −$7,276
• − Property taxes: −$2,203
• − Insurance: −$650
• − Repairs & maintenance: −$1,284
• − Management: −$1,284
• − Depreciation: −$3,779
• Taxable loss: −$426
• Est. tax savings @ 24.0%: +$102
• After-tax cash flow: $1,754/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: Birmingham City
• NCES district ID: 0100390
• Math proficiency: 4% ▼ -17.00%
• Reading proficiency: 20% ▼ -4.00%
• Median HH income: $31,988
• Composite: 9.49/100
• National rank: #9850
• State rank: #116 of 129 in AL

Livability — Birmingham

• Score: 67/100
• State rank: #78
• US rank: #10412

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Birmingham, 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

+146.0% since first listed

8 events — show timeline

• 2026-05-03 Relisted — Greater Alabama MLS
• 2026-04-19 Pending — Greater Alabama MLS
• 2026-03-17 Relisted — Greater Alabama MLS
• 2026-02-20 Pending — Greater Alabama MLS
• 2026-02-06 Listed $144,900 Greater Alabama MLS
• 2016-04-06 Sold (Public Records) $12,676,500 Public Records
• 2015-08-31 Sold (Public Records) $48,000 Public Records
• 1987-03-27 Sold (Public Records) $58,900 Public Records

Property tax history

+11.9%/yr

Latest (2025): $2,203 · +4.3% YoY. Source: county tax records.