3441 Clements Rd · Tuscaloosa, AL 35453

$99,900

3 bd · 1.0 ba · 1,680 sqft · SingleFamily public records · 135 Days on market

Built 1979 0.49 ac lot $59/sqft · 37% below area Est $159k · 37% under ↓ 48% since listing

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.9/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Reduced for a quick cash / conventional sale! Bring an offer! This 3 bedroom and 2 bathroom home in Cottondale offers an affordable opportunity for homeownership or investment. The functional floor plan includes a primary suite with a walk-in closet and an en-suite bathroom featuring double sinks and a soaking tub. A standout feature of the primary bedroom is its direct access to a private side covered porch in addition to the main covered porch at the front of the home. The property is conveniently located near the interstate for easy commuting and quick access to nearby amenities. Schedule your tour today!

Key facts

• Double sinks
• Walk-in closet
• Soaking tub

Tags

• PRIMARY SUITE
• WALK-IN CLOSET
• EN-SUITE BATHROOM
• DOUBLE SINKS
• SOAKING TUB
• PRIVATE SIDE COVERED PORCH

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $629 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.8% 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 County (suburban): math 21% / reading 45% proficiency, ranked #47 of 129 in AL (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 66 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 622 units permitted in Tuscaloosa County in 2024 (69 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k 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 + 3.0% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 135 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $40k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 53% 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 $87,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 135 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.55% ✓
• Cap rate: 13.85%
• Cash-on-cash: 26.98%
• DSCR: 2.20
• GRM: 5.4

CMA / ARV

• ARV (median comp): $159,013
• List price: $99,900
• Delta: -37.18%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3301 Lancaster Rd	0.36mi	3/2.0	1,900 (+13%)	23mo	$161,750	$85	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.9%
• Equity multiple: 1.85×
• Total profit: $23,835
• Equity at exit: $14,895

10-year hold

• IRR: 29.0%
• Equity multiple: 3.58×
• Total profit: $72,198
• Equity at exit: $8,638

Cash invested: $27,972 (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 35453

• Home prices YoY: -18.6%
• Active inventory: 66
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $1,552 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$31 /mo · $377/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$326
• Net cashflow: $629

Break-even live

Break-even rent $756

Max offer price $99,900

Occupancy floor 54%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2114 Buttermilk Rd Cottondale, AL	3.0	2.0	1750	$1,400	$0.80	21d	1	1.05mi
4804 Eastern Hills Ln Cottondale, AL	3.0	2.0	1437	$1,731	$1.20	43d	1	1.10mi

Listing history 26 events

1. 2026-06-18
   days on market $99,900 Active 135 DOM
2. 2026-06-17
   days on market $99,900 Active 134 DOM
3. 2026-06-16
   days on market $99,900 Active 133 DOM
4. 2026-06-15
   days on market $99,900 Active 132 DOM
5. 2026-06-14
   days on market $99,900 Active 130 DOM
6. 2026-06-13
   days on market $99,900 Active 129 DOM
7. 2026-06-10
   days on market $99,900 Active 127 DOM
8. 2026-06-09
   days on market $99,900 Active 126 DOM
9. 2026-06-08
   days on market $99,900 Active 125 DOM
10. 2026-06-07
    days on market $99,900 Active 124 DOM
11. 2026-06-05
    days on market $99,900 Active 121 DOM
12. 2026-06-03
    days on market $99,900 Active 120 DOM
13. 2026-06-02
    days on market $99,900 Active 119 DOM
14. 2026-06-01
    days on market $99,900 Active 118 DOM
15. 2026-05-31
    days on market $99,900 Active 117 DOM
16. 2026-05-30
    days on market $99,900 Active 116 DOM
17. 2026-04-17
    price $109,900 615-char remark

    Show marketing remark (615 chars)

    Reduced for a quick cash / conventional sale! Bring an offer! This 3 bedroom and 2 bathroom home in Cottondale offers an affordable opportunity for homeownership or investment. The functional floor plan includes a primary suite with a walk-in closet and an en-suite bathroom featuring double sinks and a soaking tub. A standout feature of the primary bedroom is its direct access to a private side covered porch in addition to the main covered porch at the front of the home. The property is conveniently located near the interstate for easy commuting and quick access to nearby amenities. Schedule your tour today!

18. 2026-03-23
    price $135,000 615-char remark

    Show marketing remark (615 chars)

    Reduced for a quick cash / conventional sale! Bring an offer! This 3 bedroom and 2 bathroom home in Cottondale offers an affordable opportunity for homeownership or investment. The functional floor plan includes a primary suite with a walk-in closet and an en-suite bathroom featuring double sinks and a soaking tub. A standout feature of the primary bedroom is its direct access to a private side covered porch in addition to the main covered porch at the front of the home. The property is conveniently located near the interstate for easy commuting and quick access to nearby amenities. Schedule your tour today!

19. 2026-02-03
    listed $139,900 Active 615-char remark

    Show marketing remark (615 chars)

    Reduced for a quick cash / conventional sale! Bring an offer! This 3 bedroom and 2 bathroom home in Cottondale offers an affordable opportunity for homeownership or investment. The functional floor plan includes a primary suite with a walk-in closet and an en-suite bathroom featuring double sinks and a soaking tub. A standout feature of the primary bedroom is its direct access to a private side covered porch in addition to the main covered porch at the front of the home. The property is conveniently located near the interstate for easy commuting and quick access to nearby amenities. Schedule your tour today!

20. 2023-07-13
    soldstatus $150,000
21. 2023-07-07
    soldstatus $150,000 Closed 453-char remark

    Show marketing remark (453 chars)

    New listing in Cottondale!!! This property features a spacious kitchen with loads of storage space in the new solid wood cabinets and a breakfast bar that opens to the dining area with a fireplace. The large living area offers room for a crowd and another fireplace to keep it cozy. The primary suite boasts a soaking tub, double vanity, and walk-in closet. All situated on an half acre close to the interstate and shopping. Schedule your showing TODAY!

22. 2023-06-09
    status Pending 453-char remark

    Show marketing remark (453 chars)

    New listing in Cottondale!!! This property features a spacious kitchen with loads of storage space in the new solid wood cabinets and a breakfast bar that opens to the dining area with a fireplace. The large living area offers room for a crowd and another fireplace to keep it cozy. The primary suite boasts a soaking tub, double vanity, and walk-in closet. All situated on an half acre close to the interstate and shopping. Schedule your showing TODAY!

23. 2023-02-21
    listed $119,900 Active 453-char remark

    Show marketing remark (453 chars)

    New listing in Cottondale!!! This property features a spacious kitchen with loads of storage space in the new solid wood cabinets and a breakfast bar that opens to the dining area with a fireplace. The large living area offers room for a crowd and another fireplace to keep it cozy. The primary suite boasts a soaking tub, double vanity, and walk-in closet. All situated on an half acre close to the interstate and shopping. Schedule your showing TODAY!

24. 2022-11-30
    price $175,000
25. 2022-11-04
    price $199,900
26. 2022-09-14
    listed $209,900 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: $377 · $31/mo
• Projected year-2 tax: $410 · $34/mo
• Expected delta: +$32/yr (+$3/mo · 8.5%)

ⓘ 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 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 53% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,621
• − Mortgage interest: −$5,596
• − Property taxes: −$377
• − Insurance: −$500
• − Repairs & maintenance: −$1,490
• − Management: −$1,490
• − Depreciation: −$2,906
• Taxable income: $6,263
• Est. tax owed @ 24.0%: −$1,503
• After-tax cash flow: $6,044/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 County
• NCES district ID: 0103390
• Math proficiency: 21% ▼ -24.00%
• Reading proficiency: 45% ▲ 2.00%
• Median HH income: $53,000
• Composite: 28.88/100
• National rank: #6641
• State rank: #47 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

• City population: 134,228
• Population (ZIP): 12,522

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: Predominantly White (69%)
• Race & ethnicity: White 69% Black 20% Hispanic / Latino 9% Two or more races 5% Native American 2%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 2% Italian 2% Serbian 1%
• Foreign-born: 3% · Canada, China
• Languages at home: 93% English-only · Spanish 6%

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: ▼ -42.62%
• Current HPI: 186.9504
• 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

-47.6% since first listed

10 events — show timeline

• 2026-04-17 Price Changed $109,900 WAMLS
• 2026-03-23 Price Changed $135,000 WAMLS
• 2026-02-03 Listed $139,900 WAMLS
• 2023-07-13 Sold (Public Records) $150,000 Public Records
• 2023-07-07 Sold (MLS) $150,000 WAMLS
• 2023-06-09 Pending — WAMLS
• 2023-02-21 Listed $119,900 WAMLS
• 2022-11-30 Price Changed $175,000 WAMLS
• 2022-11-04 Price Changed $199,900 WAMLS
• 2022-09-14 Listed $209,900 WAMLS

Property tax history

+14.0%/yr

Latest (2025): $377 · +6.9% YoY. Source: county tax records.