301 20th Ave NW · Center Point, AL 35215

$105,000

3 bd · 1.0 ba · 1,080 sqft · SingleFamily public records · 42 Days on market

Built 1945 0.47 ac lot $97/sqft · 8% below area Est $114k · 8% 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 +26.9/30.0
• ARV discount +10.9/15.0
• DSCR +9.3/10.0
• 1% rule +6.8/10.0
• 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

Welcome to 301 20th Ave NW! This charming 3-bedroom, 1-bath home sits on a spacious corner lot in the heart of Center Point and offers the perfect blend of comfort, convenience, and investment potential. Inside, you’ll find a functional layout with abundant natural light, central heating and cooling, and over 1,000 sqft of living space. Outside features include off-street parking, a relaxing patio area ideal for entertaining, and a generously sized yard with added privacy. Conveniently located near shopping, dining, schools, and major roadways, this property is a great opportunity for homeowners or investors alike. Don’t miss your chance to own this well-maintained home in an es

Key facts

• Added privacy
• Patio area
• Well-maintained home

Tags

• CORNER LOT
• OFF-STREET PARKING
• PATIO AREA
• GENEROUSLY SIZED YARD
• ADDED PRIVACY
• WELL-MAINTAINED HOME

Property features AI

Finance

• Other: Property accessed via a public road
• Financial info: Fire fee billed yearly; Garbage fee billed quarterly
• HOA & community: No association fees

Exterior

• Parking: Driveway parking; Off-street parking
• Utilities: Public water; Connected sewer; Electric water heater; Internet service availability unknown
• Home design: Existing property; Brick over foundation construction; Crawl space foundation; Not a waterfront property; No pool
• Construction: Brick over foundation
• Exterior features: Porch; Open patio; Some trees on the lot; Sidewalks; Street lights

Interior

• Kitchen: Solid surface countertops; Eating area
• Bedrooms: 3 bedrooms on the main level
• Flooring: Hardwood flooring; Vinyl flooring
• Bathrooms: 1 full bathroom (tub/shower combo)
• Heating & cooling: Central heating; Central cooling; Ceiling fans
• Interior features: Smooth ceilings; Some window treatments will remain; Eating area in the kitchen; Attic present
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $291 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $102k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.6% vs local median 7.3% in Center Point — 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 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: Erwin Intermediate School (math 3% / reading 14%, grade F, #596 of 627 statewide, top 95%, 502 students, 92% FRL); Center Point High School (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 774 students, 91% FRL) — zoned schools average 91% FRL vs 49% district-wide (43 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 6% at this address vs 20% district-wide (-15 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; 40 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $726 of loan paydown is wiped out by about $3k 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 + 3.0% rent growth), your $29k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $32k; list at $105k implies a 228% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1945 — 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 $101,850 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 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 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: 1.18% ✓
• Cap rate: 9.61%
• Cash-on-cash: 11.86%
• DSCR: 1.53
• GRM: 7.1

CMA / ARV

• ARV (median comp): $113,691
• List price: $105,000
• Delta: -7.64%
• 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
1924 2nd Pl NW	0.10mi	3/1.0	1,120 (+4%)	4mo	$55,000	$49	85
112 19th Ave NW	0.25mi	3/1.5	1,142 (+6%)	2mo	$108,500	$95	76
1640 1st St NE	0.69mi	3/1.0	1,090 (+1%)	4mo	$105,000	$96	63
1712 4th Pl NW	0.45mi	3/1.0	1,182 (+9%)	3mo	$90,000	$76	61
2320 5th St NW	0.65mi	3/1.0	1,098 (+2%)	7mo	$90,000	$82	61
1640 4th Way NW	0.56mi	3/1.0	1,144 (+6%)	4mo	$149,900	$131	60
1720 2nd St NE	0.73mi	3/1.5	1,099 (+2%)	4mo	$65,000	$59	57
505 18th Ave NW	0.42mi	3/1.0	1,220 (+13%)	6mo	$89,500	$73	54
512 16th Ter NW	0.62mi	3/2.0	1,225 (+13%)	1mo	$183,000	$149	44
217 23rd Ter NW	0.69mi	3/1.5	1,232 (+14%)	4mo	$86,000	$70	39
536 16th Ter NW	0.68mi	3/2.0	1,225 (+13%)	7mo	$155,000	$127	36
1622 5th St NW	0.68mi	3/2.0	1,227 (+14%)	7mo	$90,000	$73	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: 1.4%
• Equity multiple: 1.05×
• Total profit: $1,542
• Equity at exit: $15,656

10-year hold

• IRR: 11.0%
• Equity multiple: 1.86×
• Total profit: $25,365
• Equity at exit: $9,078

Cash invested: $29,400 (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: 7.1×

Monthly cashflow live

• Estimated rent: $1,238 high
• Mortgage (P&I): −$551
• Tax from tax record: −$93 /mo · $1,121/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$260
• Net cashflow: $291

Break-even live

Break-even rent $871

Max offer price $105,000

Occupancy floor 72%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1905 2nd St NW Center Point, AL	3.0	1.0	1258	$1,395	$1.11	43d	1	0.19mi
305 18th Ct NW Center Point, AL	3.0	1.5	1270	$1,100	$0.87	43d	1	0.21mi
424 Tupelo Way Center Point, AL	4.0	2.0	1233	$1,300	$1.05	43d	1	0.22mi
107 Sterling Ct NW Center Point, AL	2.0	1.5–2.0	1026	$1,062	$1.04	3d	4	0.25mi
113 19th Ave NW Center Point, AL	3.0	2.0	1407	$1,250	$0.89	11d	1	0.26mi
405 18th Ave NW Center Point, AL	3.0	2.0	1162	$1,299	$1.12	43d	1	0.31mi
1712 4th Pl NW Center Point, AL	3.0	1.0	1182	$1,150	$0.97	23d	1	0.44mi
1700 4th Pl NW Center Point, AL	3.0	1.0	914	$1,075	$1.18	23d	1	0.45mi
2245 3rd St NW Center Point, AL	3.0	1.0	1156	$1,100	$0.95	23d	1	0.51mi
319 23rd Ave NW Center Point, AL	3.0	2.0	1284	$1,395	$1.09	43d	1	0.51mi
1628 1st St NW Center Point, AL	3.0	1.0	1124	$1,150	$1.02	43d	1	0.55mi
1629 1st St NW Center Point, AL	3.0	1.0	900	$1,025	$1.14	23d	1	0.57mi
123 21st Ave NE Center Point, AL	2.0	1.0	850	$800	$0.94	43d	1	0.58mi
124 21st Ave NE Unit 202 Center Point, AL	2.0	1.0	830	$750	$0.90	16d	1	0.61mi
1617 3rd Pl NW Center Point, AL	3.0	2.0	1404	$1,150	$0.82	23d	1	0.61mi
2318 Raintree Ct Center Point, AL	2.0	1.0	975	$1,100	$1.13	2d	2	0.62mi
1732 6th St NW Center Point, AL	3.0	1.5	1300	$1,250	$0.96	3d	1	0.62mi
1827 Carson Rd Unit 1 Birmingham, AL	3.0	2.5	1332	$1,125	$0.84	43d	1	0.66mi
1827 Carson Rd Unit 7 Birmingham, AL	3.0	2.5	1332	$950	$0.71	23d	1	0.66mi
2323 4th St NW Center Point, AL	3.0	1.0	1038	$1,305	$1.26	3d	1	0.66mi
1821 Carson Rd Unit 3 Birmingham, AL	2.0	1.5	800	$580	$0.72	21d	1	0.67mi
2320 5th St NW Center Point, AL	3.0	1.0	1098	$1,150	$1.05	43d	1	0.67mi
1821 Carson Rd Unit 2 Birmingham, AL	2.0	1.5	800	$765	$0.96	43d	1	0.67mi
1801 Carson Rd Unit 2 Birmingham, AL	2.0	1.0	800	$600	$0.75	10d	1	0.69mi
1628 1st St NE Center Point, AL	3.0	1.0	1027	$1,165	$1.13	43d	1	0.71mi
1720 2nd St NE Center Point, AL	3.0	2.0	1100	$1,400	$1.27	43d	1	0.71mi
434 15th Ter NW Center Point, AL	3.0	2.0	1053	$1,200	$1.14	43d	1	0.78mi
109 24th Ave NW Center Point, AL	3.0	1.5	1023	$1,215	$1.19	43d	1	0.82mi
1612 Glenwood St NW Center Point, AL	4.0	3.0	1344	$1,480	$1.10	23d	1	0.83mi
2229 3rd St NE Center Point, AL	3.0	1.0	1215	$1,125	$0.93	23d	1	0.84mi
2245 3rd St NE Center Point, AL	3.0	1.0	1150	$1,100	$0.96	23d	1	0.89mi
2412 4th St NW Center Point, AL	3.0	1.0	1224	$1,150	$0.94	16d	1	0.91mi
2416 4th St NW Center Point, AL	4.0	2.0	1400	$1,500	$1.07	23d	1	0.92mi
1541 Charter East Cir NE Birmingham, AL	1.0–2.0	1.0–1.5	807	$1,095	$1.36	2d	8	0.93mi
401 22nd Ave NE Center Point, AL	2.0	1.5	850	$745	$0.88	16d	1	0.95mi
2109 Whetstone Ct Center Point, AL	2.0	1.5	800	$675	$0.84	3d	1	0.96mi
500 15th Ave NW Center Point, AL	3.0	1.0	1079	$1,050	$0.97	3d	1	0.97mi
2324 3rd St NE Center Point, AL	3.0	2.0	1329	$1,300	$0.98	23d	1	0.98mi
408 Sunhill Rd NW Center Point, AL	3.0	1.5	1290	$1,355	$1.05	43d	1	1.03mi
332 23rd Ave NE Center Point, AL	3.0	1.0	1100	$1,350	$1.23	3d	1	1.06mi

Listing history 16 events

1. 2026-06-18
   days on market $105,000 Active 42 DOM
2. 2026-06-17
   days on market $105,000 Active 41 DOM
3. 2026-06-16
   days on market $105,000 Active 40 DOM
4. 2026-06-15
   days on market $105,000 Active 39 DOM
5. 2026-06-13
   days on market $105,000 Active 37 DOM
6. 2026-06-10
   days on market $105,000 Active 34 DOM
7. 2026-06-09
   days on market $105,000 Active 33 DOM
8. 2026-06-08
   days on market $105,000 Active 32 DOM
9. 2026-06-07
   days on market $105,000 Active 31 DOM
10. 2026-06-03
    days on market $105,000 Active 27 DOM
11. 2026-06-02
    days on market $105,000 Active 26 DOM
12. 2026-06-01
    days on market $105,000 Active 25 DOM
13. 2026-05-31
    days on market $105,000 Active 24 DOM
14. 2026-05-07
    listed $105,000 Active 719-char remark
15. 2025-10-04
    price $110,000
16. 1980-02-13
    soldstatus $31,975

ⓘ 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: $1,121 · $93/mo
• Projected year-2 tax: $1,121 · $93/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 ≥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: $14,862
• − Mortgage interest: −$5,882
• − Property taxes: −$1,121
• − Insurance: −$525
• − Repairs & maintenance: −$1,189
• − Management: −$1,189
• − Depreciation: −$3,055
• Taxable income: $1,902
• Est. tax owed @ 24.0%: −$457
• After-tax cash flow: $3,031/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

+228.4% since first listed

3 events — show timeline

• 2026-05-07 Listed $105,000 Greater Alabama MLS
• 2025-10-04 Price Changed $110,000 Greater Alabama MLS
• 1980-02-13 Sold (Public Records) $31,975 Public Records

Property tax history

+2.3%/yr

Latest (2025): $1,121 · +6.9% YoY. Source: county tax records.