3530 Wolf Creek Rd · Sterrett, AL 35128

$139,900

3 bd · 1.0 ba · 1,392 sqft · SingleFamily public records · 106 Days on market

Built 1984 2.20 ac lot

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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 +28.5/30.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +6.7/10.0
• Livability +2.7/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Full Brick, 3 bed 1 bath home sitting on 2.2 acres with a large workshop on the property. Home will need some TLC.

Key facts

• Full brick
• 2.2 acres
• Large workshop

Tags

• FULL BRICK
• LARGE WORKSHOP
• 2.2 ACRES

Property features AI

Finance

• Other: Lot size approximately 2.2 acres; Not in a flood plain
• Financial info: Has down payment assistance

Exterior

• Parking: Driveway parking; One carport space
• Utilities: Public water; Septic system; Electric water heater; Internet service available
• Home design: 4-sided brick construction; Basement foundation; Existing (previously built) structure
• Construction: 4-sided brick exterior; Basement foundation; Concrete block basement construction
• Exterior features: Covered deck; Workshop; No pool, patio, garden/patio, or waterfront

Interior

• Kitchen: Laminate countertops; Kitchen on main level
• Bedrooms: Three bedrooms on main level
• Flooring: Carpet; Vinyl
• Bathrooms: One full bathroom (tub/shower combo) on main level
• Heating & cooling: Heat pump heating; Central cooling
• Interior features: Tri-level: No; Split level: No; Split foyer: No; Ceilings: Other (see remarks); Has laundry; Full unfinished basement with concrete block construction; Attic: Yes (other)
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry located on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $457 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $127k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 53/100 on livability (#475 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment F.
• Pell City (town): math 17% / reading 44% proficiency, ranked #67 of 129 in AL (top 52%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Eden Elementary School (math 17% / reading 47%, grade F, #331 of 627 statewide, top 57%, 394 students, 68% FRL); Pell City High School (math 17% / reading 21%, grade F, #181 of 305 statewide, top 60%, 1,171 students, 55% FRL).
• Market conditions: 111 active listings in the ZIP; solid renter incomes; 557 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• St. Clair County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $39k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 106 days — a 9% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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, 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 $127,309 (9.0% below list)

Questions for the listing agent

1. It's been on market 106 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
6. 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.
7. 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: 1.17% ✓
• Cap rate: 10.21%
• Cash-on-cash: 14.00%
• DSCR: 1.62
• GRM: 7.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 4.2%
• Equity multiple: 1.16×
• Total profit: $6,384
• Equity at exit: $20,860

10-year hold

• IRR: 13.7%
• Equity multiple: 2.09×
• Total profit: $42,809
• Equity at exit: $12,096

Cash invested: $39,172 (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 35128

• Active inventory: 111
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,631 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$40 /mo · $478/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $457

Break-even live

Break-even rent $1,053

Max offer price $139,900

Occupancy floor 67%

Sensitivity live

Price	-10% $536	-5% $497	+0% $457	+5% $417	+10% $378
Rent	-10% $328	-5% $393	+0% $457	+5% $522	+10% $586
Rate	-1.0pp $528	-0.5pp $493	base $457	+0.5pp $421	+1.0pp $384

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-18
   days on market $139,900 Active 106 DOM
2. 2026-06-17
   days on market $139,900 Active 105 DOM
3. 2026-06-16
   days on market $139,900 Active 104 DOM
4. 2026-06-15
   days on market $139,900 Active 103 DOM
5. 2026-06-13
   days on market $139,900 Active 101 DOM
6. 2026-06-10
   days on market $139,900 Active 98 DOM
7. 2026-06-09
   days on market $139,900 Active 97 DOM
8. 2026-06-08
   days on market $139,900 Active 96 DOM
9. 2026-06-07
   days on market $139,900 Active 95 DOM
10. 2026-06-05
    days on market $139,900 Active 92 DOM
11. 2026-06-03
    days on market $139,900 Active 91 DOM
12. 2026-06-02
    days on market $139,900 Active 90 DOM
13. 2026-06-01
    days on market $139,900 Active 89 DOM
14. 2026-05-31
    days on market $139,900 Active 88 DOM
15. 2026-05-11
    status Active
16. 2026-03-12
    historical Contingent
17. 2026-03-03
    listed $139,900 Active

ⓘ 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: $478 · $40/mo
• Projected year-2 tax: $574 · $48/mo
• Expected delta: +$96/yr (+$8/mo · 20.1%)

ⓘ 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 ≥107°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 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,577
• − Mortgage interest: −$7,837
• − Property taxes: −$478
• − Insurance: −$700
• − Repairs & maintenance: −$1,566
• − Management: −$1,566
• − Depreciation: −$4,070
• Taxable income: $3,361
• Est. tax owed @ 24.0%: −$807
• After-tax cash flow: $4,678/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: Pell City
• NCES district ID: 0102650
• Math proficiency: 17% ▼ -30.00%
• Reading proficiency: 44% ▼ -4.00%
• Median HH income: $45,051
• Composite: 26.04/100
• National rank: #7303
• State rank: #67 of 129 in AL

Livability — Sterrett

• Score: 53/100
• State rank: #475
• US rank: #24309

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Saint Clair County · 54,404 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 10,546
• Household income: $83,990
• Rent vs Own: 17.2% rent · 82.8% own
• Severe rent burden: 120.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 94,158 people
• By 2030: 97,008 · +3.0%
• By 2040: 101,615 · +7.9%
• By 2050: 104,537 · +11.0%
• By 2075: 109,350 · +16.1%
• By 2100: 106,785 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 11% Two or more races 3%
• Common ancestry: Italian 5% Slovak 2% Serbian 2%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+64.1) · D 17.6% · R 81.7%
• 2008→2024 swing: -0.9pp no change · 2008: -63.2pp · 2024: -64.1pp
• All cycles: 2024: R+64.1 2020: R+64.0 2016: R+68.6 2012: R+66.1 2008: R+63.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -106.41%
• Current HPI: 175.603
• Rent YoY: —
• 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

3 events — show timeline

• 2026-05-11 Relisted — Greater Alabama MLS
• 2026-03-12 Contingent — Greater Alabama MLS
• 2026-03-03 Listed $139,900 Greater Alabama MLS

Property tax history

+6.2%/yr

Latest (2025): $478 · +4.0% YoY. Source: county tax records.