4220 Fieldstone Dr · Pinson, AL 35215

$134,900

3 bd · 2.0 ba · 1,775 sqft · SingleFamily public records · 27 Days on market

Built 1978 9,147 sqft lot $76/sqft · 38% below area Est $216k · 38% under

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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 +25.3/30.0
• ARV discount +15.0/15.0
• DSCR +8.3/10.0
• 1% rule +6.4/10.0
• Rent growth +3.3/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

3BR 2BA split foyer w/ eat in kitchen. Large den complete w/ wet bar. Fresh carpet. Fireplaces in both up and downstairs dens. Fenced back yard with deck. Extra storage space in garage. New front porch.

Key facts

• Bright living room
• Updated kitchen
• Split-level home

Tags

• SPLIT-LEVEL HOME
• BRIGHT LIVING ROOM
• UPDATED KITCHEN
• FULLY FINISHED BASEMENT
• LARGE OPEN DECK
• PRIVATE LEVEL BACKYARD

Property features AI

Exterior

• Parking: Basement garage parking; Driveway parking; One total garage space (basement level)
• Security: Security system (interior)
• Utilities: Public water; Connected sewer; Gas water heater
• Home design: Existing home; Basement foundation; Basement includes both finished and unfinished areas; Basement constructed with poured concrete walls and concrete block
• Construction: Brick over foundation with concrete/block, wood siding and wood construction
• Exterior features: Front porch; Open deck; No pool; Not waterfront; No garden/patio

Interior

• Kitchen: Laminate countertops; Built-in dishwasher
• Bedrooms: Master bedroom on main level; Two additional bedrooms on main level; Den/family room in the basement
• Flooring: Carpet; Vinyl
• Bathrooms: Two full bathrooms; Tub/shower combo
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Cathedral/vaulted ceilings; Textured walls; Security system; Wood-burning fireplace with brick/masonry surround located in the den
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry located in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $306 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Recommended offer: $133k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.0% vs local median 5.3% in Pinson — 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 (#289 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, health & safety 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: Pinson Elementary School (801 students, 54% FRL); Pinson Valley High School (math 6% / reading 17%, grade F, #246 of 305 statewide, top 81%, 1,029 students, 81% FRL) — zoned schools average 68% FRL vs 49% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.0%/yr); 334 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 35% 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 $933 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 27 days — a 2% lower offer ($133k) is reasonable based on typical stale-listing flexibility.
• 2 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

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $132,876 (1.5% below list)

Questions for the listing agent

1. Built in 1978 — 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 D-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. 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: 1.14% ✓
• Cap rate: 9.02%
• Cash-on-cash: 9.73%
• DSCR: 1.43
• GRM: 7.3

CMA / ARV

• ARV (median comp): $216,200
• List price: $134,900
• Delta: -37.60%
• 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
3136 Fieldstone Cir	0.13mi	3/2.0	1,697 (-4%)	2mo	$195,000	$115	85
3150 Sleepy Hollow Dr	0.07mi	4/3.0 (+1)	1,722 (-3%)	3mo	$235,240	$137	80
521 Baily Dr	0.13mi	3/2.5	1,616 (-9%)	9mo	$200,000	$124	69
315 40th Ave NE	0.40mi	3/2.0	1,905 (+7%)	7mo	$215,000	$113	64
6445 Bogue Rd	0.48mi	3/2.0	1,698 (-4%)	8mo	$130,000	$77	64
285 Martin Dr	0.32mi	3/2.0	1,590 (-10%)	12mo	$199,900	$126	58
4533 Oak Dr	0.68mi	3/2.0	1,650 (-7%)	6mo	$186,000	$113	52
4541 Oak Dr	0.68mi	4/3.0 (+1)	1,768 (-0%)	11mo	$140,000	$79	50
333 36th Ave NE	0.66mi	3/2.0	2,004 (+13%)	3mo	$245,000	$122	46
4358 Oak St	0.65mi	3/2.5	1,960 (+10%)	8mo	$250,000	$128	43
4510 Silver Lake Rd	0.70mi	3/2.0	2,030 (+14%)	3mo	$227,500	$112	40
108 38th Ave NE	0.64mi	3/2.0	1,536 (-14%)	10mo	$170,000	$111	39

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: -1.6%
• Equity multiple: 0.94×
• Total profit: $-2,273
• Equity at exit: $20,114

10-year hold

• IRR: 8.1%
• Equity multiple: 1.62×
• Total profit: $23,445
• Equity at exit: $11,664

Cash invested: $37,772 (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: 7.3×

Monthly cashflow live

• Estimated rent: $1,541 high
• Mortgage (P&I): −$707
• Tax from tax record: −$147 /mo · $1,767/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $306

Break-even live

Break-even rent $1,153

Max offer price $134,900

Occupancy floor 75%

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: $33,725
• Closing costs: $4,047
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3104 Cobblestone Dr Birmingham, AL	3.0	1.5	1533	$1,516	$0.99	2d	1	0.23mi
4246 Centerwood Dr Birmingham, AL	3.0	2.0	1336	$1,450	$1.09	16d	1	0.23mi
340 40th Ave NE Center Point, AL	3.0	2.0	2007	$1,650	$0.82	16d	1	0.34mi
3005 Sweeney Hollow Pl Birmingham, AL	3.0	2.0	2014	$1,325	$0.66	14d	1	0.53mi
212 Saint John Dr NW Birmingham, AL	2.0	2.0	1445	$1,423	$0.98	14d	1	0.59mi
345 Saint John Rd NW Birmingham, AL	3.0	2.0	2142	$1,731	$0.81	2d	1	0.73mi
5992 Princess Blvd Birmingham, AL	3.0	2.0	1454	$1,661	$1.14	43d	1	0.73mi
1104 Oak Creek Trl NE Birmingham, AL	3.0	2.0	1233	$1,543	$1.25	2d	1	0.86mi
3814 Mars Ave Center Point, AL	4.0	2.0	2063	$1,890	$0.92	43d	1	0.96mi
4464 Winchester Hills Ln Pinson, AL	3.0	2.0	1500	$1,750	$1.17	11d	1	1.07mi
202 Westchester Dr Birmingham, AL	4.0	2.0	1374	$1,300	$0.95	23d	1	1.20mi
2655 6th St NE Center Point, AL	3.0	2.0	1600	$1,390	$0.87	2d	1	1.25mi
5944 Tyler Loop Rd Pinson, AL	3.0	2.0	1247	$1,485	$1.19	23d	1	1.25mi
605 Country View Dr Birmingham, AL	3.0	2.0	1698	$1,560	$0.92	43d	1	1.25mi
607 Country View Dr Birmingham, AL	4.0	2.0	1568	$1,550	$0.99	23d	1	1.25mi
2708 7th St NE Center Point, AL	3.0	1.0	1451	$1,150	$0.79	43d	1	1.46mi

Listing history 14 events

1. 2026-06-13
   statusdays on market $134,900 Pending 27 DOM
2. 2026-06-10
   days on market $134,900 Active 26 DOM
3. 2026-06-09
   days on market $134,900 Active 25 DOM
4. 2026-06-08
   days on market $134,900 Active 24 DOM
5. 2026-06-07
   days on market $134,900 Active 23 DOM
6. 2026-06-03
   days on market $134,900 Active 19 DOM
7. 2026-06-02
   days on market $134,900 Active 18 DOM
8. 2026-06-01
   days on market $134,900 Active 17 DOM
9. 2026-05-31
   days on market $134,900 Active 16 DOM
10. 2026-05-15
    listed $134,900 Active 973-char remark
11. 2016-04-06
    soldstatus $12,676,500
12. 2015-04-28
    soldstatus $80,000 202-char remark

    Show marketing remark (202 chars)

    3BR 2BA split foyer w/ eat in kitchen. Large den complete w/ wet bar. Fresh carpet. Fireplaces in both up and downstairs dens. Fenced back yard with deck. Extra storage space in garage. New front porch.

13. 2015-03-04
    listed $89,900 202-char remark

    Show marketing remark (202 chars)

    3BR 2BA split foyer w/ eat in kitchen. Large den complete w/ wet bar. Fresh carpet. Fireplaces in both up and downstairs dens. Fenced back yard with deck. Extra storage space in garage. New front porch.

14. 1987-03-19
    soldstatus $52,900

ⓘ 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: $1,767 · $147/mo
• Projected year-2 tax: $1,767 · $147/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 · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,490
• − Mortgage interest: −$7,556
• − Property taxes: −$1,767
• − Insurance: −$674
• − Repairs & maintenance: −$1,479
• − Management: −$1,479
• − Depreciation: −$3,924
• Taxable income: $1,610
• Est. tax owed @ 24.0%: −$386
• After-tax cash flow: $3,290/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 — Pinson

• Score: 60/100
• State rank: #289
• US rank: #18763

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• City population: 22,599
• 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

+155.0% since first listed

6 events — show timeline

• 2026-06-11 Pending — Greater Alabama MLS
• 2026-05-15 Listed $134,900 Greater Alabama MLS
• 2016-04-06 Sold (Public Records) $12,676,500 Public Records
• 2015-04-28 Sold (MLS) $80,000 Greater Alabama MLS
• 2015-03-04 Listed $89,900 Greater Alabama MLS
• 1987-03-19 Sold (Public Records) $52,900 Public Records

Property tax history

+2.2%/yr

Latest (2025): $1,767 · +0.0% YoY. Source: county tax records.