The Langford Brunswick Ave · Kimberly, AL 35091

$248,990

3 bd · 2.0 ba · 1,740 sqft · SingleFamily · 349 Days on market

Built 2026 Good condition 10,018 sqft lot $143/sqft · 11% below area Est $279k · 11% under ↓ 11% since listing

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Why this score? — see what drove the D+ 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).

• ARV discount +12.4/15.0
• Appreciation +10.0/10.0
• Cash flow +7.2/30.0
• Condition / age +4.0/5.0
• Schools +3.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• 1% rule +2.0/10.0
• DSCR +1.4/10.0

Listing remarks MLS

Experience the ultimate in flexible single-level living with the Langford ranch. This home features an open-concept design, highlighted by an open kitchen that seamlessly flows into the spacious family room. Enjoy dining in a light-filled area with stunning backyard views and easy access to a covered patio. The owner’s suite is a private sanctuary tucked away at the back of the home, boasting a spa-like bath and a sizable walk-in closet. With 9ft high ceilings, the sense of space is elevated throughout. An extra-large laundry room adds convenience and connects directly to the owner’s suite. You can even personalize your finishes to make this home truly yours. For those needing more space, a second floor with an additional bedroom and ensuite bath can be added. Don't miss out—schedule your showing today to discover more about this incredible opportunity!

Key facts

• Private sanctuary
• Spa-like bath
• Open island kitchen

Tags

• LIGHT-FILLED DINING AREA
• COVERED PATIO
• OPEN ISLAND KITCHEN
• SPACIOUS FAMILY ROOM
• PRIVATE SANCTUARY
• SPA-LIKE BATH

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $249k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-411 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $190k (23.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $174k (30.0% below list).
• Recommended offer: $174k (30.0% below list) — sets the bar for 1% rule.
• Cap rate 4.6% vs local median 3.7% in Kimberly — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 66/100 on livability (#99 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; 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: Bryan Elementary School (math 32% / reading 56%, grade F, #194 of 627 statewide, top 32%, 681 students, 37% FRL); North Jefferson Middle School (math 13% / reading 45%, grade F, #134 of 257 statewide, top 53%, 666 students, 52% FRL); Mortimer Jordan High School (math 23% / reading 27%, grade F, #114 of 305 statewide, top 38%, 861 students, 45% FRL) — zoned schools at 45% FRL track the district average.
• Zoned-school proficiency averages 33% at this address vs 20% district-wide (+12 pts) — the actual schools serving this property are materially stronger than the Jefferson County average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 174 active listings in the ZIP; solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $27k of equity ($2k loan paydown + $25k appreciation (10.0% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 349 days — a 12% lower offer ($219k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $174,256 (30.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 349 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.70% ✗
• Cap rate: 4.63%
• Cash-on-cash: -5.92%
• DSCR: 0.74
• GRM: 11.9

CMA / ARV

• ARV (median comp): $279,181
• List price: $248,990
• Delta: -10.81%
• 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
9380 Brunswick Ave	0.02mi	3/2.0	1,740 (0%)	0mo	$283,940	$163	99
9363 Brunswick Ave	0.02mi	3/2.0	1,740 (0%)	1mo	$252,900	$145	98
9355 Brunswick Ave	0.02mi	3/2.0	1,740 (0%)	2mo	$270,155	$155	98
9347 Brunswick Ave	0.02mi	3/2.0	1,740 (0%)	3mo	$268,640	$154	97
9339 Brunswick Ave	0.02mi	3/2.0	1,740 (0%)	3mo	$260,945	$150	96
9344 Brunswick Ave	0.05mi	3/2.0	1,740 (0%)	2mo	$289,995	$167	96
9359 Brunswick Ave	0.02mi	4/2.0 (+1)	1,754 (+1%)	1mo	$299,750	$171	92
9376 Brunswick Ave	0.02mi	3/2.5	1,933 (+11%)	0mo	$302,925	$157	78
9367 Brunswick Ave	0.02mi	3/2.5	1,933 (+11%)	1mo	$274,860	$142	78
9356 Brunswick Ave	0.02mi	3/2.5	1,933 (+11%)	1mo	$296,462	$153	78
9351 Brunswick Ave	0.02mi	3/2.5	1,933 (+11%)	2mo	$276,995	$143	77
9340 Brunswick Ave	0.02mi	3/2.5	1,933 (+11%)	4mo	$288,625	$149	75

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.3%
• Equity multiple: 2.57×
• Total profit: $109,526
• Equity at exit: $224,310

10-year hold

• IRR: 17.8%
• Equity multiple: 5.92×
• Total profit: $343,231
• Equity at exit: $483,733

Cash invested: $69,717 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 15 active · 26 under contract
• Months of supply: 5.6 mo (18%/mo absorbed)
• Median asking: $266,900 ($146/sqft)
• Median days on market: 282 d
• This list price: 13% of active listings are priced below it
• ARV vs active asking: +9.6% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 35091

• Home prices YoY: 8.8%
• Active inventory: 174
• Price-to-rent: 11.9×

Monthly cashflow live

• Estimated rent: $1,743 medium
• Mortgage (P&I): −$1,306
• Tax est. 1.5%: −$311 /mo · $3,735/yr
• Insurance: −$104
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$366
• Net cashflow: $-411

Break-even live

Break-even rent $2,262

Max offer price $189,583

Occupancy floor —

Sensitivity live

Price	-10% $-238	-5% $-325	+0% $-411	+5% $-497	+10% $-583
Rent	-10% $-548	-5% $-479	+0% $-411	+5% $-342	+10% $-273
Rate	-1.0pp $-285	-0.5pp $-347	base $-411	+0.5pp $-475	+1.0pp $-541

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: $62,248
• Closing costs: $7,470
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-09-24
   days on market $248,990 Active 349 DOM
2. 2026-09-23
   days on market $248,990 Active 348 DOM
3. 2026-09-22
   days on market $248,990 Active 347 DOM
4. 2026-09-21
   days on market $248,990 Active 346 DOM
5. 2026-09-20
   days on market $248,990 Active 345 DOM
6. 2026-09-19
   days on market $248,990 Active 344 DOM
7. 2026-09-18
   days on market $248,990 Active 343 DOM
8. 2026-09-17
   days on market $248,990 Active 342 DOM
9. 2026-09-16
   days on market $248,990 Active 341 DOM
10. 2026-09-15
    days on market $248,990 Active 340 DOM
11. 2026-09-14
    days on market $248,990 Active 339 DOM
12. 2026-09-13
    days on market $248,990 Active 338 DOM
13. 2026-09-12
    days on market $248,990 Active 337 DOM
14. 2026-09-11
    days on market $248,990 Active 336 DOM
15. 2026-09-05
    days on market $248,990 Active 330 DOM
16. 2026-09-04
    days on market $248,990 Active 329 DOM
17. 2026-09-03
    days on market $248,990 Active 328 DOM
18. 2026-08-31
    days on market $248,990 Active 325 DOM
19. 2026-08-30
    days on market $248,990 Active 324 DOM
20. 2026-08-28
    days on market $248,990 Active 322 DOM
21. 2026-08-27
    days on market $248,990 Active 321 DOM
22. 2026-08-26
    days on market $248,990 Active 320 DOM
23. 2026-08-25
    days on market $248,990 Active 319 DOM
24. 2026-08-24
    days on market $248,990 Active 318 DOM
25. 2026-08-23
    days on market $248,990 Active 317 DOM
26. 2026-08-22
    days on market $248,990 Active 316 DOM
27. 2026-08-21
    days on market $248,990 Active 315 DOM
28. 2026-08-20
    days on market $248,990 Active 314 DOM
29. 2026-08-19
    days on market $248,990 Active 313 DOM
30. 2026-08-18
    days on market $248,990 Active 312 DOM
31. 2026-08-17
    days on market $248,990 Active 311 DOM
32. 2026-08-16
    days on market $248,990 Active 310 DOM
33. 2026-08-15
    days on market $248,990 Active 309 DOM
34. 2026-08-14
    days on market $248,990 Active 308 DOM
35. 2026-08-13
    days on market $248,990 Active 307 DOM
36. 2026-08-12
    days on market $248,990 Active 306 DOM
37. 2026-08-11
    days on market $248,990 Active 305 DOM
38. 2026-08-10
    days on market $248,990 Active 304 DOM
39. 2026-08-09
    days on market $248,990 Active 303 DOM
40. 2026-08-08
    days on market $248,990 Active 302 DOM
41. 2026-08-07
    days on market $248,990 Active 301 DOM
42. 2026-08-06
    days on market $248,990 Active 300 DOM
43. 2026-08-05
    days on market $248,990 Active 299 DOM
44. 2026-08-04
    days on market $248,990 Active 298 DOM
45. 2026-08-03
    days on market $248,990 Active 297 DOM
46. 2026-08-01
    price $248,990 Active 294 DOM
47. 2026-07-31
    days on market $247,900 Active 294 DOM
48. 2026-07-30
    days on market $247,900 Active 292 DOM
49. 2026-07-28
    days on market $247,900 Active 291 DOM
50. 2026-07-26
    days on market $247,900 Active 289 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,911
• − Mortgage interest: −$13,947
• − Property taxes: −$3,735
• − Insurance: −$2,042
• − Repairs & maintenance: −$1,673
• − Management: −$1,673
• − Depreciation: −$7,243
• Taxable loss: −$9,403
• Est. tax savings @ 24.0%: +$2,257
• After-tax cash flow: $-2,670/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.

Condition & rehab AI · 1 photo

Good 80/100 Cosmetic rehab Est. rehab $8,700–$26,100 screening

This single-family home is in good condition with a good curb appeal and minimal maintenance needed. It is ready for a new owner to move in and enjoy.

Value-add opportunities

• Resale Paint exterior siding — Enhances curb appeal and can add value ↑
• Both Landscaping — Improves curb appeal and enhances property value ↑
• Both Clean and organize interior — Enhances overall impression and can attract more buyers ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 33/100

Zoned Schools

Elementary Bryan Elementary School F AL #194/627 Nat'l #17,190/41,679 Middle North Jefferson Middle School F AL #134/257 Nat'l #9,290/14,009 High Mortimer Jordan High School F AL #114/305 Nat'l #12,347/17,239

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

C Composite livability gradescore 66/100

Livability — Kimberly

• Score: 66/100
• State rank: #99
• US rank: #11415

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Kimberly, AL
• County: Jefferson · 669,185 people
• Metro: Birmingham, AL
• Population (ZIP): 3,632
• Household income: $93,444
• Rent vs Own: 5.7% rent · 94.3% own

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Black 5% Two or more races 2%
• Common ancestry: Italian 7% Slovak 4% Lithuanian 3%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Korean 1% Other Indo-European 1%

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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: ▲ 21.37%
• Current HPI: 265.4636
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

-11.5% since first listed

7 events — show timeline

• 2026-05-01 Price Changed $247,900 Greater Alabama MLS
• 2026-02-03 Price Changed $245,900 Greater Alabama MLS
• 2025-12-12 Price Changed $243,900 Greater Alabama MLS
• 2025-11-06 Price Changed $253,900 Greater Alabama MLS
• 2025-11-05 Price Changed $273,900 Greater Alabama MLS
• 2025-10-11 Price Changed $263,900 Greater Alabama MLS
• 2025-10-08 Listed $279,995 Greater Alabama MLS