19 41st St E · Tuscaloosa, AL 35405

$145,000

4 bd · 2.0 ba · 1,768 sqft · SingleFamily public records · 16 Days on market

Built 1969 0.29 ac lot $82/sqft · 35% below area Est $212k · 32% under ↓ 17% since listing

---

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 +26.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.1/10.0
• 1% rule +6.9/10.0
• Rent growth +3.9/5.0
• Livability +3.9/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 4-bedroom, 2-full bathroom home has a fenced back yard and a shed. This spacious property has newer paint, flooring, appliances, and more. You will enjoy the living room with a brick fireplace, formal dining rooms, and ample-sized bedrooms. The kitchen has lots of cabinets and counter space as well as an eating area and breakfast bar. Right of redemption may apply. Case 013-020632. Property is Owned by the US Dept. of HUD. Insurability is "IE" Subject to Appraisal. The seller makes no representations or warranties as to the property condition. HUD Homes are sold “As-Is”. Equal Housing Opportunity. The seller may contribute up to 3% for buyer’s closing costs, upon buyer request. Lead-based paint notices to be included in the contract. Contact your agent today to schedule a showing.

Key facts

• Fenced back yard
• Brick fireplace
• Lots of cabinets

Tags

• FENCED BACK YARD
• BRICK FIREPLACE
• LOTS OF CABINETS
• COUNTER SPACE
• BREAKFAST BAR

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $391 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).
• Recommended offer: $143k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.5% vs local median 3.4% in Tuscaloosa — 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 77/100 on livability (#9 in AL, #2,909 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, health & safety A+, cost of living A; Watch: crime F, employment D-.
• Tuscaloosa City (urban): math 19% / reading 40% proficiency, ranked #74 of 129 in AL (top 57%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.4%/yr); 457 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 622 units permitted in Tuscaloosa County in 2024 (69 in 5+ unit buildings).
• This rent runs 33% of the median local income ($62k/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 $4k of value loss. Plan a longer hold.
• Tuscaloosa County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 5.4% rent growth), your $41k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($143k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y 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

• Climate carrying-cost: major wind risk, 56% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $142,825 (1.5% below list)

Questions for the listing agent

1. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.19% ✓
• Cap rate: 9.53%
• Cash-on-cash: 11.56%
• DSCR: 1.51
• GRM: 7.0

CMA / ARV

• ARV (median comp): $212,015
• List price: $145,000
• Delta: -31.61%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3802 1st Ave	0.28mi	3/2.0 (-1)	1,714 (-3%)	1mo	$227,400	$133	76
7 Dogwood Ln	0.22mi	3/2.0 (-1)	1,754 (-1%)	11mo	$240,000	$137	74
5257 2nd Ct E	0.56mi	3/2.0 (-1)	1,813 (+2%)	1mo	$259,900	$143	64
4821 Longview Rd	0.41mi	3/2.0 (-1)	1,739 (-2%)	11mo	$275,000	$158	64
521 42nd St	0.43mi	3/1.5 (-1)	1,674 (-5%)	6mo	$169,000	$101	59
3617 1st Ct	0.58mi	3/2.0 (-1)	1,760 (-0%)	10mo	$206,500	$117	59
3 Woodbine Rd	0.43mi	3/2.0 (-1)	1,725 (-2%)	15mo	$179,000	$104	58
5 Dogwood Lane Ln	0.22mi	3/2.0 (-1)	1,510 (-15%)	6mo	$158,000	$105	56
18 Dogwood Ln	0.22mi	4/2.0	2,000 (+13%)	15mo	$219,000	$110	56
3618 5th Ave	0.69mi	3/2.5 (-1)	1,898 (+7%)	8mo	$179,900	$95	42
10634 Hidden Woods Ln	0.62mi	4/2.5	1,949 (+10%)	14mo	$388,000	$199	41
3420 4th Ct E	0.69mi	3/2.5 (-1)	1,962 (+11%)	5mo	$225,000	$115	38

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 · 5.42% rent growth · sell at horizon

5-year hold

• IRR: 3.6%
• Equity multiple: 1.14×
• Total profit: $5,736
• Equity at exit: $21,620

10-year hold

• IRR: 15.2%
• Equity multiple: 2.37×
• Total profit: $55,719
• Equity at exit: $12,537

Cash invested: $40,600 (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 35405

• Home prices YoY: -26.9%
• Rents YoY: 5.4%
• Active inventory: 457
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,731 high
• Mortgage (P&I): −$760
• Tax from tax record: −$155 /mo · $1,865/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$363
• Net cashflow: $391

Break-even live

Break-even rent $1,236

Max offer price $145,000

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
235 James I Harrison Jr Pkwy E Tuscaloosa, AL	1.0–3.0	1.0–2.0	1259	$1,200	$0.95	43d	37	0.50mi
3014 3rd Ct E Tuscaloosa, AL	3.0	2.0	1449	$1,675	$1.16	13d	1	1.00mi
8005 Shadesbrook Dr Tuscaloosa, AL	4.0	2.0	1620	$1,995	$1.23	13d	1	1.20mi
8002 Shadesbrook Dr Tuscaloosa, AL	3.0	2.0	1620	$1,510	$0.93	21d	1	1.23mi
3809 Millcreek Ln Tuscaloosa, AL	3.0	1.5	1289	$1,395	$1.08	43d	1	1.31mi
2402 Prince Ave Tuscaloosa, AL	3.0	3.0	1796	$2,300	$1.28	21d	1	1.34mi

Listing history 11 events

1. 2026-05-06
   status Pending 824-char remark

   Show marketing remark (824 chars)

   This 4-bedroom, 2-full bathroom home has a fenced back yard and a shed. This spacious property has newer paint, flooring, appliances, and more. You will enjoy the living room with a brick fireplace, formal dining rooms, and ample-sized bedrooms. The kitchen has lots of cabinets and counter space as well as an eating area and breakfast bar. Right of redemption may apply. Case 013-020632. Property is Owned by the US Dept. of HUD. Insurability is "IE" Subject to Appraisal. The seller makes no representations or warranties as to the property condition. HUD Homes are sold “As-Is”. Equal Housing Opportunity. The seller may contribute up to 3% for buyer’s closing costs, upon buyer request. Lead-based paint notices to be included in the contract. Contact your agent today to schedule a showing.

2. 2026-05-02
   status Active 824-char remark

   Show marketing remark (824 chars)

   This 4-bedroom, 2-full bathroom home has a fenced back yard and a shed. This spacious property has newer paint, flooring, appliances, and more. You will enjoy the living room with a brick fireplace, formal dining rooms, and ample-sized bedrooms. The kitchen has lots of cabinets and counter space as well as an eating area and breakfast bar. Right of redemption may apply. Case 013-020632. Property is Owned by the US Dept. of HUD. Insurability is "IE" Subject to Appraisal. The seller makes no representations or warranties as to the property condition. HUD Homes are sold “As-Is”. Equal Housing Opportunity. The seller may contribute up to 3% for buyer’s closing costs, upon buyer request. Lead-based paint notices to be included in the contract. Contact your agent today to schedule a showing.

3. 2026-04-15
   status Pending 824-char remark

   Show marketing remark (824 chars)

   This 4-bedroom, 2-full bathroom home has a fenced back yard and a shed. This spacious property has newer paint, flooring, appliances, and more. You will enjoy the living room with a brick fireplace, formal dining rooms, and ample-sized bedrooms. The kitchen has lots of cabinets and counter space as well as an eating area and breakfast bar. Right of redemption may apply. Case 013-020632. Property is Owned by the US Dept. of HUD. Insurability is "IE" Subject to Appraisal. The seller makes no representations or warranties as to the property condition. HUD Homes are sold “As-Is”. Equal Housing Opportunity. The seller may contribute up to 3% for buyer’s closing costs, upon buyer request. Lead-based paint notices to be included in the contract. Contact your agent today to schedule a showing.

4. 2026-04-02
   listed $145,000 Active 824-char remark

   Show marketing remark (824 chars)

   This 4-bedroom, 2-full bathroom home has a fenced back yard and a shed. This spacious property has newer paint, flooring, appliances, and more. You will enjoy the living room with a brick fireplace, formal dining rooms, and ample-sized bedrooms. The kitchen has lots of cabinets and counter space as well as an eating area and breakfast bar. Right of redemption may apply. Case 013-020632. Property is Owned by the US Dept. of HUD. Insurability is "IE" Subject to Appraisal. The seller makes no representations or warranties as to the property condition. HUD Homes are sold “As-Is”. Equal Housing Opportunity. The seller may contribute up to 3% for buyer’s closing costs, upon buyer request. Lead-based paint notices to be included in the contract. Contact your agent today to schedule a showing.

5. 2024-02-09
   soldstatus $164,000
6. 2023-04-18
   soldstatus $160,800
7. 2023-04-07
   soldstatus $160,800 Closed 392-char remark

   Show marketing remark (392 chars)

   This well maintained 4 bedroom 2 bath with a fenced back yard and a shed for is ready to be called home! This spacious property has fresh paint, new bathroom flooring, and all recently installed appliances that will remain with the home. In addition , the roof, and hot water heater are both less than 5 years old. This is one that you do not want miss!! Call me for your showing today!

8. 2023-02-05
   status Pending 392-char remark

   Show marketing remark (392 chars)

   This well maintained 4 bedroom 2 bath with a fenced back yard and a shed for is ready to be called home! This spacious property has fresh paint, new bathroom flooring, and all recently installed appliances that will remain with the home. In addition , the roof, and hot water heater are both less than 5 years old. This is one that you do not want miss!! Call me for your showing today!

9. 2023-01-31
   price $165,000 392-char remark

   Show marketing remark (392 chars)

   This well maintained 4 bedroom 2 bath with a fenced back yard and a shed for is ready to be called home! This spacious property has fresh paint, new bathroom flooring, and all recently installed appliances that will remain with the home. In addition , the roof, and hot water heater are both less than 5 years old. This is one that you do not want miss!! Call me for your showing today!

10. 2023-01-14
    price $170,000 392-char remark

    Show marketing remark (392 chars)

    This well maintained 4 bedroom 2 bath with a fenced back yard and a shed for is ready to be called home! This spacious property has fresh paint, new bathroom flooring, and all recently installed appliances that will remain with the home. In addition , the roof, and hot water heater are both less than 5 years old. This is one that you do not want miss!! Call me for your showing today!

11. 2022-11-18
    listed $175,000 Active 392-char remark

    Show marketing remark (392 chars)

    This well maintained 4 bedroom 2 bath with a fenced back yard and a shed for is ready to be called home! This spacious property has fresh paint, new bathroom flooring, and all recently installed appliances that will remain with the home. In addition , the roof, and hot water heater are both less than 5 years old. This is one that you do not want miss!! Call me for your showing today!

ⓘ 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: $1,865 · $155/mo
• Projected year-2 tax: $1,865 · $155/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 2/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 56% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,769
• − Mortgage interest: −$8,122
• − Property taxes: −$1,865
• − Insurance: −$725
• − Repairs & maintenance: −$1,662
• − Management: −$1,662
• − Depreciation: −$4,218
• Taxable income: $2,515
• Est. tax owed @ 24.0%: −$604
• After-tax cash flow: $4,089/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: Tuscaloosa City
• NCES district ID: 0103360
• Math proficiency: 19% ▼ -24.00%
• Reading proficiency: 40% ▼ -1.00%
• Median HH income: $37,474
• Composite: 24.51/100
• National rank: #7647
• State rank: #74 of 129 in AL

Livability — Tuscaloosa

• Score: 77/100
• State rank: #9
• US rank: #2909

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tuscaloosa, AL
• County: Tuscaloosa County · 206,491 people
• City population: 134,228
• Metro: Tuscaloosa, AL
• Population (ZIP): 49,420
• Household income: $62,301
• Rent vs Own: 45.6% rent · 54.4% own
• Severe rent burden: 1963.0

Population outlook (Tuscaloosa County) Hauer SSP2

• Today (2025): 228,293 people
• By 2030: 240,551 · +5.4%
• By 2040: 263,856 · +15.6%
• By 2050: 286,491 · +25.5%
• By 2075: 335,783 · +47.1%
• By 2100: 370,520 · +62.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 56% White 35% Hispanic / Latino 5% Two or more races 3% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Italian 1% Lithuanian 1% Slovak 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 94% English-only · Spanish 4% Other Indo-European 1% Chinese 1%

Political lean MEDSL · Tuscaloosa

• 2024 margin: Strong R (+20.4) · D 39.4% · R 59.8%
• 2008→2024 swing: -4.4pp toward R · 2008: -16.0pp · 2024: -20.4pp
• All cycles: 2024: R+20.4 2020: R+14.8 2016: R+19.5 2012: R+17.4 2008: R+16.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.25%
• Current HPI: 193.1929
• Rent YoY: ▲ 5.42%
• Metro: Tuscaloosa, 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

-17.1% since first listed

11 events — show timeline

• 2026-05-06 Pending — WAMLS
• 2026-05-02 Relisted — WAMLS
• 2026-04-15 Pending — WAMLS
• 2026-04-02 Listed $145,000 WAMLS
• 2024-02-09 Sold (Public Records) $164,000 Public Records
• 2023-04-18 Sold (Public Records) $160,800 Public Records
• 2023-04-07 Sold (MLS) $160,800 WAMLS
• 2023-02-05 Pending — WAMLS
• 2023-01-31 Price Changed $165,000 WAMLS
• 2023-01-14 Price Changed $170,000 WAMLS
• 2022-11-18 Listed $175,000 WAMLS

Property tax history

+6.2%/yr

Latest (2025): $1,865 · +233.3% YoY. Source: county tax records.