2025 Fairfax Ave · Bessemer, AL 35020

$95,000

2 bd · 1.0 ba · 1,298 sqft · SingleFamily public records · 11 Days on market

Built 1962 9,583 sqft lot Est $82k · 16% over

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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).

• Cash flow +24.9/30.0
• DSCR +8.1/10.0
• 1% rule +5.6/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.7/5.0
• Schools +0.8/10.0
• ARV discount +0.2/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home has been well cared for and would make a great home or investment property for the right person. This home features a nice living room and a separate den that's great for entertaining. There is a finished basement that could be used at a 3rd bedroom. It also has a large oversized deck overlooking the huge fenced in backyard. The only thing missing is you. Schedule your showings today!

Key facts

• Oversized deck
• Fenced in backyard
• Finished basement

Tags

• FINISHED BASEMENT
• OVERSIZED DECK
• FENCED IN BACKYARD

Property features AI

Finance

• Other: Lot size about 0.22 acres; Located in Bessemer subdivision

Exterior

• Parking: Driveway parking; 2-car carport
• Utilities: Public water; Connected sewer; Gas water heater; Spectrum internet available
• Home design: Existing single-family residence; 4-side brick construction
• Construction: Basement foundation; Daylight basement; 4-side brick exterior
• Exterior features: Open deck; No pool, patio, garden/patio, or waterfront

Interior

• Kitchen: Solid surface countertops; Refrigerator included
• Bedrooms: Two bedrooms on main level
• Flooring: Hardwood; Tile
• Bathrooms: One full bath with tub/shower combo
• Heating & cooling: Gas heat; Central cooling with window units
• Interior features: Hardwood and tile flooring; Ceilings: see remarks; Living area reported as 1,298 (per tax report); Main level living area indicated (per tax report); Full unfinished daylight basement (basement foundation); Pull-down attic; No additional interior features listed
• Laundry & utility: Laundry in basement; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $148 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Cap rate 8.9% vs local median 5.9% in Bessemer — 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 59/100 on livability (#331 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A; Watch: crime F, amenities F, employment F.
• Bessemer City (suburban): math 3% / reading 19% proficiency, ranked #120 of 129 in AL (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 87% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Bessemer City High School (math 2% / reading 8%, grade F, #276 of 305 statewide, top 95%, 850 students, 61% FRL) — zoned schools average 61% FRL vs 87% district-wide (26 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents falling (-3.1%/yr); 115 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 47% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 34% of the median local income ($35k/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 $657 of loan paydown is wiped out by about $3k 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

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 3y 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: flood insurance adds $56/mo.
• Climate carrying-cost: major flood risk; major wind risk, 37% 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 $95,000

Questions for the listing agent

1. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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. 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: 1.06% ✓
• Cap rate: 8.87%
• Cash-on-cash: 9.20%
• DSCR: 1.41
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $81,774
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1711 Holbrook Ave	0.37mi	3/2.0 (+1)	1,300 (+0%)	11mo	$124,000	$95	65
419 19th St S	0.20mi	3/2.0 (+1)	1,430 (+10%)	1mo	$28,000	$20	64
1607 Holbrook Ave	0.45mi	3/2.0 (+1)	1,264 (-3%)	5mo	$31,000	$25	61
1625 Holbrook Ave	0.42mi	3/2.0 (+1)	1,288 (-1%)	14mo	$123,500	$96	58
1615 Dartmouth Ave	0.44mi	3/1.0 (+1)	1,186 (-9%)	4mo	$47,500	$40	56
1506 Avenue I	0.52mi	3/2.0 (+1)	1,312 (+1%)	12mo	$141,000	$107	55
2232 Dartmouth Ave	0.29mi	3/1.0 (+1)	1,176 (-9%)	16mo	$79,900	$68	52
2306 Clarendon Ave	0.38mi	3/2.0 (+1)	1,492 (+15%)	5mo	$10,000	$7	44
2619 Exeter Ave	0.54mi	2/1.0	1,428 (+10%)	17mo	$24,950	$17	43
2831 Granville Ave	0.74mi	3/1.0 (+1)	1,200 (-8%)	19mo	$75,000	$63	32

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -9.4%
• Equity multiple: 0.67×
• Total profit: $-8,879
• Equity at exit: $14,165

10-year hold

• IRR: -4.6%
• Equity multiple: 0.74×
• Total profit: $-6,915
• Equity at exit: $8,214

Cash invested: $26,600 (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 35020

• Home prices YoY: -24.2%
• Rents YoY: -3.1%
• Active inventory: 115
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,006 high
• Mortgage (P&I): −$498
• Tax from tax record: −$53 /mo · $637/yr
• Insurance: −$40
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$211
• Net cashflow: $148

Break-even live

Break-even rent $818

Max offer price $95,000

Occupancy floor 80%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1909 Holbrook Ave Bessemer, AL	2.0	1.0	1064	$930	$0.87	44d	1	0.20mi
419 19th St S Bessemer, AL	3.0	2.0	1200	$1,050	$0.88	12d	1	0.20mi
1830 Exeter Ave Bessemer, AL	2.0	1.0	913	$850	$0.93	44d	1	0.21mi
420 19th St S Bessemer, AL	2.0	1.0	910	$850	$0.93	44d	1	0.23mi
1622 Fairfax Ave Bessemer, AL	2.0	2.0	1104	$995	$0.90	2d	1	0.36mi
1600 Holbrook Ave Bessemer, AL	3.0	1.0	885	$999	$1.13	2d	1	0.42mi
320 16th St S Bessemer, AL	3.0	1.5	1792	$950	$0.53	44d	1	0.50mi
931 Dartmouth Ave Bessemer, AL	3.0	1.0	984	$925	$0.94	44d	1	1.00mi
810 Fairfax Ave Bessemer, AL	3.0	1.0	1042	$1,050	$1.01	24d	1	1.11mi
808 Fairfax Ave Bessemer, AL	3.0	1.0	1042	$1,050	$1.01	24d	1	1.12mi
3216 Avenue B Unit B Bessemer, AL	3.0	2.0	1220	$1,100	$0.90	44d	1	1.17mi
719 16th St N Bessemer, AL	3.0	1.5	1085	$1,075	$0.99	24d	1	1.23mi
3230 Arlington Ave Bessemer, AL	2.0	2.0	1236	$795	$0.64	44d	1	1.24mi
704 Avenue I Bessemer, AL	3.0	1.0	1232	$1,200	$0.97	24d	1	1.24mi
817 15th St N Bessemer, AL	3.0	2.0	1116	$1,125	$1.01	3d	1	1.34mi
3225 4th Ave N Bessemer, AL	3.0	2.0	1486	$1,300	$0.87	24d	1	1.40mi
3019 7th Ave N Bessemer, AL	3.0	1.0	1080	$1,050	$0.97	44d	1	1.42mi
830 5th Ave N Bessemer, AL	3.0	1.0	1072	$1,000	$0.93	44d	1	1.42mi
806 4th Ave N Bessemer, AL	3.0	1.0	1092	$1,050	$0.96	24d	1	1.43mi

Listing history 9 events

1. 2026-06-18
   days on market $95,000 Active 11 DOM
2. 2026-06-17
   days on market $95,000 Active 10 DOM
3. 2026-06-16
   days on market $95,000 Active 9 DOM
4. 2026-06-15
   days on market $95,000 Active 8 DOM
5. 2026-06-13
   days on market $95,000 Active 6 DOM
6. 2026-06-10
   days on market $95,000 Active 3 DOM
7. 2026-06-09
   days on market $95,000 Active 2 DOM
8. 2026-06-07
   remarks 397-char remark
9. 2026-06-07
   listed $95,000 Active 1 DOM

ⓘ 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: $637 · $53/mo
• Projected year-2 tax: $637 · $53/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 7/10 Severe FEMA zone X (unshaded) · 77% 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 37% 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: $12,073
• − Mortgage interest: −$5,321
• − Property taxes: −$637
• − Insurance: −$1,142
• − Repairs & maintenance: −$966
• − Management: −$966
• − Depreciation: −$2,764
• Taxable income: $278
• Est. tax owed @ 24.0%: −$67
• After-tax cash flow: $1,715/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: Bessemer City
• NCES district ID: 0100330
• Math proficiency: 3% ▼ -18.00%
• Reading proficiency: 19% ▼ -3.00%
• Median HH income: $29,721
• Composite: 8.45/100
• National rank: #9905
• State rank: #120 of 129 in AL

Livability — Bessemer

• Score: 59/100
• State rank: #331
• US rank: #20078

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bessemer, AL
• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 24,892
• Household income: $35,362
• Rent vs Own: 40.6% rent · 59.4% own
• Severe rent burden: 1001.0

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 (74%)
• Race & ethnicity: Black 74% Hispanic / Latino 13% White 11% Two or more races 6%
• Hispanic origin (detail): Mexican 10%
• Foreign-born: 5% · Canada
• Languages at home: 89% English-only · Spanish 11%

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: ▼ -57.54%
• Current HPI: 179.7702
• Rent YoY: ▼ -3.12%
• 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

+178.6% since first listed

8 events — show timeline

• 2026-06-07 Listed $95,000 Greater Alabama MLS
• 2023-06-07 Sold (Public Records) $85,000 Public Records
• 2023-06-06 Sold (MLS) $85,000 Greater Alabama MLS
• 2023-05-05 Pending — Greater Alabama MLS
• 2023-04-30 Relisted — Greater Alabama MLS
• 2023-03-31 Pending — Greater Alabama MLS
• 2023-02-24 Listed $85,000 Greater Alabama MLS
• 1979-01-26 Sold (Public Records) $34,100 Public Records

Property tax history

+5.0%/yr

Latest (2025): $637 · +5.9% YoY. Source: county tax records.