910 Sterling Blvd · Sheffield, AL 35660

$64,900

3 bd · 1.0 ba · 1,600 sqft · SingleFamily public records · 23 Days on market

Built 1955 7,405 sqft lot $41/sqft · 46% below area Est $122k · 47% under

---

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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTORS!! This is a great opportunity for someone looking to do a fix and hold or fix and flip. 3 bed 1 bath just over 1600 sqft. Property needs some TLC. Tenant occupied will need to schedule in order to set up a showing! Call today to get your next investment opportunity.

Key facts

• 7,405 sq ft lot
• Built 1955
• Listed 23 days

🏷️ Possibly a rental listed for sale. The $64,900 price doesn't fit this home's estimated sale value (~$121,615) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $751 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Recommended offer: $64k (1.5% below list) — sets the bar for market timing.
• Cap rate 20.2% vs local median 5.1% in Sheffield — 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 60/100 on livability (#312 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
• Sheffield City (suburban): math 12% / reading 34% proficiency, ranked #103 of 129 in AL (top 80%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 115 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 91 units permitted in Colbert County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $449 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Colbert County population projected to shrink 7% 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 $18k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($64k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 11y 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

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $63,926 (1.5% below list)

Questions for the listing agent

1. Built in 1955 — 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. 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?
4. 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?
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: 2.25% ✓
• Cap rate: 20.17%
• Cash-on-cash: 49.57%
• DSCR: 3.21
• GRM: 3.7

CMA / ARV

• ARV (median comp): $121,615
• List price: $64,900
• Delta: -46.64%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1001 Sterling Blvd	0.05mi	3/2.0	1,736 (+8%)	19mo	$47,000	$27	64
1003 Sterling Blvd	0.06mi	4/2.0 (+1)	1,518 (-5%)	21mo	$155,000	$102	62
215 Sterling Blvd	0.61mi	3/2.0	1,680 (+5%)	10mo	$139,900	$83	50
1223 SW 11 1/2 Ave	0.54mi	3/2.0	1,379 (-14%)	8mo	$128,000	$93	41
305 E 18th St	0.57mi	3/2.0	1,444 (-10%)	18mo	$185,000	$128	38
1203 27th St	0.71mi	3/1.0	1,449 (-9%)	19mo	$85,000	$59	35
507 Dover Ave	0.74mi	4/2.5 (+1)	1,800 (+12%)	1mo	$169,999	$94	32
401 E 4th St	0.66mi	3/2.0	1,376 (-14%)	18mo	$150,000	$109	27

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 47.2%
• Equity multiple: 3.05×
• Total profit: $37,289
• Equity at exit: $9,677

10-year hold

• IRR: 52.9%
• Equity multiple: 6.17×
• Total profit: $94,014
• Equity at exit: $5,611

Cash invested: $18,172 (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 35660

• Home prices YoY: -29.5%
• Active inventory: 115
• Price-to-rent: 3.7×

Monthly cashflow live

• Estimated rent: $1,462 high
• Mortgage (P&I): −$340
• Tax from tax record: −$37 /mo · $447/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $751

Break-even live

Break-even rent $512

Max offer price $64,900

Occupancy floor 44%

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: $16,225
• Closing costs: $1,947
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
701 E 18th St Sheffield, AL	4.0	2.5	2000	$1,800	$0.90	44d	1	0.28mi
100 Brink Ct Sheffield, AL	2.0	2.0	1100	$899	$0.82	44d	5	0.68mi
1010 N Nashville Ave Sheffield, AL	2.0	2.0	1200	$1,100	$0.92	44d	1	1.13mi
3323 Oakwood Blvd Sheffield, AL	2.0	1.0	1100	$1,000	$0.91	44d	1	1.33mi
3112 E 21st Ave Sheffield, AL	4.0	2.0	1890	$1,595	$0.84	44d	1	1.46mi

Listing history 5 events

1. 2026-05-13
   status Pending 276-char remark

   Show marketing remark (276 chars)

   INVESTORS!! This is a great opportunity for someone looking to do a fix and hold or fix and flip. 3 bed 1 bath just over 1600 sqft. Property needs some TLC. Tenant occupied will need to schedule in order to set up a showing! Call today to get your next investment opportunity.

2. 2026-04-20
   listed $64,900 Active 276-char remark

   Show marketing remark (276 chars)

   INVESTORS!! This is a great opportunity for someone looking to do a fix and hold or fix and flip. 3 bed 1 bath just over 1600 sqft. Property needs some TLC. Tenant occupied will need to schedule in order to set up a showing! Call today to get your next investment opportunity.

3. 2016-02-15
   listed $25,000
4. 2015-07-07
   listed $25,000
5. 2015-04-12
   listed $25,000

ⓘ 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: $447 · $37/mo
• Projected year-2 tax: $447 · $37/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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 21% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,549
• − Mortgage interest: −$3,635
• − Property taxes: −$447
• − Insurance: −$324
• − Repairs & maintenance: −$1,404
• − Management: −$1,404
• − Depreciation: −$1,888
• Taxable income: $8,446
• Est. tax owed @ 24.0%: −$2,027
• After-tax cash flow: $6,981/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: Sheffield City
• NCES district ID: 0103000
• Math proficiency: 12% ▼ -30.00%
• Reading proficiency: 34% ▼ -1.00%
• Median HH income: $34,188
• Composite: 18.8/100
• National rank: #8866
• State rank: #103 of 129 in AL

Livability — Sheffield

• Score: 60/100
• State rank: #312
• US rank: #19366

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sheffield, AL
• City population: 9,385
• Population (ZIP): 9,385

Population outlook (Colbert County) Hauer SSP2

• Today (2025): 54,154 people
• By 2030: 53,746 · -0.8%
• By 2040: 52,431 · -3.2%
• By 2050: 50,303 · -7.1%
• By 2075: 44,789 · -17.3%
• By 2100: 36,676 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Black 26% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Colbert

• 2024 margin: Solid R (+46.4) · D 26.4% · R 72.8%
• 2008→2024 swing: -26.2pp toward R · 2008: -20.3pp · 2024: -46.4pp
• All cycles: 2024: R+46.4 2020: R+38.9 2016: R+38.3 2012: R+20.4 2008: R+20.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -74.23%
• Current HPI: 177.3226
• Rent YoY: —
• Metro: —
• 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

+159.6% since first listed

5 events — show timeline

• 2026-05-13 Pending — SAARMLS
• 2026-04-20 Listed $64,900 SAARMLS
• 2016-02-15 Listed $25,000 SAARMLS
• 2015-07-07 Listed $25,000 SAARMLS
• 2015-04-12 Listed $25,000 SAARMLS

Property tax history

+5.0%/yr

Latest (2025): $447 · +6.9% YoY. Source: county tax records.