3213 Central Ave · Minor, AL 35224

$79,900

3 bd · 1.0 ba · 1,163 sqft · SingleFamily public records · 14 Days on market

Built 1930 7,405 sqft lot $69/sqft · 22% below area Est $110k · 27% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.8/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 3213 Central Avenue! This home has loved many families for generations and is waiting for the next person to shelter and take care of. From the fabulous French doors, to the fireplace, to the checkered tile kitchen floor, you'll immediately fall in love with the history of this captivating home. Schedule your showing today!

Key facts

• Breakfast nook
• Raised deck
• Convenient location

Tags

• BREAKFAST NOOK
• DEDICATED LAUNDRY ROOM
• FULLY FENCED BACKYARD
• RAISED DECK
• VINYL EXTERIOR
• CONVENIENT LOCATION

Property features AI

Finance

• Other: Lot is approximately 0.17 acre; Property in the Wildwood subdivision
• HOA & community: No association fee

Exterior

• Parking: On-street parking
• Utilities: Public water; Connected sewer; Gas water heater; Internet service availability unknown
• Home design: Existing construction; Tri-level: no; Split level: no; Split foyer: no
• Construction: Vinyl siding; Crawl space foundation
• Exterior features: Fenced yard; Open deck

Interior

• Kitchen: Eating area; Solid surface countertops; Dishwasher (built-in); Electric oven; Electric stove; Refrigerator
• Bedrooms: Bedroom on main level
• Flooring: Hardwood floors; Vinyl floors
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central cooling
• Interior features: Smooth ceilings; Fireplace in the living room; No additional interior features listed
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup; Pull-down attic access

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $404 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).

Location & tenants

• Location reads 58/100 on livability (#368 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D-, amenities F, commute 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: Minor Community School (math 2% / reading 17%, grade F, #568 of 627 statewide, top 94%, 409 students, 84% FRL); Minor High School (math 4% / reading 8%, grade F, #275 of 305 statewide, top 90%, 915 students, 84% FRL) — zoned schools average 84% FRL vs 49% district-wide (35 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 8% at this address vs 20% district-wide (-13 pts) — the specific schools serving this property underperform the Jefferson County average; the district grade overstates school quality for this exact location.
• Market conditions: 42 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 9y 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 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% 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 $79,900

Questions for the listing agent

1. Built in 1930 — 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 D 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: 1.48% ✓
• Cap rate: 12.36%
• Cash-on-cash: 21.68%
• DSCR: 1.96
• GRM: 5.6

CMA / ARV

• ARV (median comp): $109,507
• List price: $79,900
• Delta: -27.04%
• Verdict: UNDERPRICED
• Comps: 15 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3258 Pike Ave	0.04mi	3/1.0	1,178 (+1%)	10mo	$56,000	$48	87
3312 Hillcrest Ave	0.27mi	3/1.0	1,156 (-1%)	11mo	$35,000	$30	78
3270 Pike Ave	0.06mi	3/1.0	1,218 (+5%)	14mo	$115,000	$94	77
3330 Bonds Ave	0.31mi	3/1.0	1,204 (+4%)	7mo	$129,000	$107	74
3311 Bonds Ave	0.22mi	3/2.0	1,238 (+6%)	7mo	$134,000	$108	70
3290 Pike Ave	0.12mi	3/1.0	1,020 (-12%)	7mo	$79,000	$77	68
3056 Highland Dr	0.45mi	3/1.5	1,110 (-5%)	6mo	$76,000	$68	65
3049 Highland Dr	0.46mi	3/1.5	1,152 (-1%)	13mo	$89,000	$77	64
1136 Broad St	0.39mi	3/1.0	1,250 (+8%)	10mo	$113,500	$91	61
3101 Cherry Ln	0.47mi	3/1.5	1,054 (-9%)	1mo	$75,000	$71	60
1154 Glasgow St	0.43mi	3/1.0	1,334 (+15%)	1mo	$89,900	$67	54
3185 Loblolly Ln	0.39mi	2/1.0 (-1)	1,260 (+8%)	11mo	$49,500	$39	53

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: 14.3%
• Equity multiple: 1.57×
• Total profit: $12,796
• Equity at exit: $11,913

10-year hold

• IRR: 23.1%
• Equity multiple: 2.98×
• Total profit: $44,301
• Equity at exit: $6,908

Cash invested: $22,372 (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 35224

• Home prices YoY: -16.2%
• Active inventory: 42
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,181 high
• Mortgage (P&I): −$419
• Tax from tax record: −$77 /mo · $920/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$248
• Net cashflow: $404

Break-even live

Break-even rent $670

Max offer price $79,900

Occupancy floor 61%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1050 McDonald Chapel Rd Birmingham, AL	3.0	1.5	1454	$1,250	$0.86	23d	1	0.20mi
3121 Monroe Ave Birmingham, AL	3.0	1.0	951	$995	$1.05	16d	1	0.33mi
960 Minor Dr Birmingham, AL	3.0	1.5	1299	$1,295	$1.00	23d	1	0.44mi
1300 Yukon St Birmingham, AL	3.0	2.0	1038	$1,125	$1.08	43d	1	0.85mi
4800 Norway Ave Birmingham, AL	3.0	1.0	1080	$1,200	$1.11	2d	1	1.20mi

Listing history 18 events

1. 2026-05-14
   listed $79,900 Active 779-char remark
2. 2022-03-01
   soldstatus $92,143
3. 2020-09-24
   soldstatus $58,536
4. 2020-09-15
   soldstatus $58,536 Sold 336-char remark

   Show marketing remark (336 chars)

   Welcome to 3213 Central Avenue! This home has loved many families for generations and is waiting for the next person to shelter and take care of. From the fabulous French doors, to the fireplace, to the checkered tile kitchen floor, you'll immediately fall in love with the history of this captivating home. Schedule your showing today!

5. 2020-08-14
   historical Contingent 336-char remark

   Show marketing remark (336 chars)

   Welcome to 3213 Central Avenue! This home has loved many families for generations and is waiting for the next person to shelter and take care of. From the fabulous French doors, to the fireplace, to the checkered tile kitchen floor, you'll immediately fall in love with the history of this captivating home. Schedule your showing today!

6. 2020-08-07
   listed $79,900 Active 336-char remark

   Show marketing remark (336 chars)

   Welcome to 3213 Central Avenue! This home has loved many families for generations and is waiting for the next person to shelter and take care of. From the fabulous French doors, to the fireplace, to the checkered tile kitchen floor, you'll immediately fall in love with the history of this captivating home. Schedule your showing today!

7. 2017-05-16
   soldstatus $50,000
8. 2017-05-12
   soldstatus $50,000 Sold

   Show marketing remark (985 chars)

   Cutest Bungalow you will ever see. Old Fashion Charm and Character with all the Updates already done. Very inviting Covered Front Porch for just Relaxing and Rocking on those warm summer days. 3 Bedroom 1 Bath home with Gleaming Hardwood Floors. Master Bedroom has His and Her Closets. Romantic Gas Fireplace located in the Living or Den Family Room. Spacious Eat In Kitchen with Tile Countertops and ample Cabinet Storage. All the Appliances Remain. Laundry Room located off the rear of the home which has work area and Cabinet Storage. Large Fenced Backyard with Deck for Grilling and Entertaining. Very Large Storage Building (12x24) or Workshop Remains which is Insulated and has Electrical connection and is Heated and Cooled. Also, Emergency Brick Heater is mounted in the hallway if power is out. Brick and Vinyl Siding for Low Maintenance. Why rent when you can own your own piece of heaven. All this home needs is you. What are you Waiting for? Make your Appointment TODAY!!!

9. 2017-05-10
   historical

   Show marketing remark (985 chars)

   Cutest Bungalow you will ever see. Old Fashion Charm and Character with all the Updates already done. Very inviting Covered Front Porch for just Relaxing and Rocking on those warm summer days. 3 Bedroom 1 Bath home with Gleaming Hardwood Floors. Master Bedroom has His and Her Closets. Romantic Gas Fireplace located in the Living or Den Family Room. Spacious Eat In Kitchen with Tile Countertops and ample Cabinet Storage. All the Appliances Remain. Laundry Room located off the rear of the home which has work area and Cabinet Storage. Large Fenced Backyard with Deck for Grilling and Entertaining. Very Large Storage Building (12x24) or Workshop Remains which is Insulated and has Electrical connection and is Heated and Cooled. Also, Emergency Brick Heater is mounted in the hallway if power is out. Brick and Vinyl Siding for Low Maintenance. Why rent when you can own your own piece of heaven. All this home needs is you. What are you Waiting for? Make your Appointment TODAY!!!

10. 2017-04-25
    historical Contingent

    Show marketing remark (985 chars)

    Cutest Bungalow you will ever see. Old Fashion Charm and Character with all the Updates already done. Very inviting Covered Front Porch for just Relaxing and Rocking on those warm summer days. 3 Bedroom 1 Bath home with Gleaming Hardwood Floors. Master Bedroom has His and Her Closets. Romantic Gas Fireplace located in the Living or Den Family Room. Spacious Eat In Kitchen with Tile Countertops and ample Cabinet Storage. All the Appliances Remain. Laundry Room located off the rear of the home which has work area and Cabinet Storage. Large Fenced Backyard with Deck for Grilling and Entertaining. Very Large Storage Building (12x24) or Workshop Remains which is Insulated and has Electrical connection and is Heated and Cooled. Also, Emergency Brick Heater is mounted in the hallway if power is out. Brick and Vinyl Siding for Low Maintenance. Why rent when you can own your own piece of heaven. All this home needs is you. What are you Waiting for? Make your Appointment TODAY!!!

11. 2017-04-21
    price $54,900

    Show marketing remark (985 chars)

    Cutest Bungalow you will ever see. Old Fashion Charm and Character with all the Updates already done. Very inviting Covered Front Porch for just Relaxing and Rocking on those warm summer days. 3 Bedroom 1 Bath home with Gleaming Hardwood Floors. Master Bedroom has His and Her Closets. Romantic Gas Fireplace located in the Living or Den Family Room. Spacious Eat In Kitchen with Tile Countertops and ample Cabinet Storage. All the Appliances Remain. Laundry Room located off the rear of the home which has work area and Cabinet Storage. Large Fenced Backyard with Deck for Grilling and Entertaining. Very Large Storage Building (12x24) or Workshop Remains which is Insulated and has Electrical connection and is Heated and Cooled. Also, Emergency Brick Heater is mounted in the hallway if power is out. Brick and Vinyl Siding for Low Maintenance. Why rent when you can own your own piece of heaven. All this home needs is you. What are you Waiting for? Make your Appointment TODAY!!!

12. 2017-04-14
    price $55,000

    Show marketing remark (985 chars)

    Cutest Bungalow you will ever see. Old Fashion Charm and Character with all the Updates already done. Very inviting Covered Front Porch for just Relaxing and Rocking on those warm summer days. 3 Bedroom 1 Bath home with Gleaming Hardwood Floors. Master Bedroom has His and Her Closets. Romantic Gas Fireplace located in the Living or Den Family Room. Spacious Eat In Kitchen with Tile Countertops and ample Cabinet Storage. All the Appliances Remain. Laundry Room located off the rear of the home which has work area and Cabinet Storage. Large Fenced Backyard with Deck for Grilling and Entertaining. Very Large Storage Building (12x24) or Workshop Remains which is Insulated and has Electrical connection and is Heated and Cooled. Also, Emergency Brick Heater is mounted in the hallway if power is out. Brick and Vinyl Siding for Low Maintenance. Why rent when you can own your own piece of heaven. All this home needs is you. What are you Waiting for? Make your Appointment TODAY!!!

13. 2017-02-06
    listed $59,900 Active

    Show marketing remark (985 chars)

    Cutest Bungalow you will ever see. Old Fashion Charm and Character with all the Updates already done. Very inviting Covered Front Porch for just Relaxing and Rocking on those warm summer days. 3 Bedroom 1 Bath home with Gleaming Hardwood Floors. Master Bedroom has His and Her Closets. Romantic Gas Fireplace located in the Living or Den Family Room. Spacious Eat In Kitchen with Tile Countertops and ample Cabinet Storage. All the Appliances Remain. Laundry Room located off the rear of the home which has work area and Cabinet Storage. Large Fenced Backyard with Deck for Grilling and Entertaining. Very Large Storage Building (12x24) or Workshop Remains which is Insulated and has Electrical connection and is Heated and Cooled. Also, Emergency Brick Heater is mounted in the hallway if power is out. Brick and Vinyl Siding for Low Maintenance. Why rent when you can own your own piece of heaven. All this home needs is you. What are you Waiting for? Make your Appointment TODAY!!!

14. 2016-10-27
    price $49,900
15. 2016-10-19
    price $44,900
16. 2016-04-20
    price $49,900
17. 1999-07-27
    soldstatus $39,900
18. 1978-04-10
    soldstatus $23,900

ⓘ 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: $920 · $77/mo
• Projected year-2 tax: $920 · $77/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 6/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,173
• − Mortgage interest: −$4,476
• − Property taxes: −$920
• − Insurance: −$400
• − Repairs & maintenance: −$1,134
• − Management: −$1,134
• − Depreciation: −$2,324
• Taxable income: $3,786
• Est. tax owed @ 24.0%: −$909
• After-tax cash flow: $3,941/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 — Minor

• Score: 58/100
• State rank: #368
• US rank: #21309

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Minor, AL
• Population (ZIP): 5,409

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 (69%)
• Race & ethnicity: Black 69% White 22% Two or more races 5% Hispanic / Latino 3% Native American 1%
• Common ancestry: Slovak 0%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 3%

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: ▼ -24.47%
• Current HPI: 126.3423
• 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

+234.3% since first listed

19 events — show timeline

• 2026-05-28 Pending — Greater Alabama MLS
• 2026-05-14 Listed $79,900 Greater Alabama MLS
• 2022-03-01 Sold (Public Records) $92,143 Public Records
• 2020-09-24 Sold (Public Records) $58,536 Public Records
• 2020-09-15 Sold (MLS) $58,536 Greater Alabama MLS
• 2020-08-14 Contingent — Greater Alabama MLS
• 2020-08-07 Listed $79,900 Greater Alabama MLS
• 2017-05-16 Sold (Public Records) $50,000 Public Records
• 2017-05-12 Sold (MLS) $50,000 Greater Alabama MLS
• 2017-05-10 Delisted — Greater Alabama MLS
• 2017-04-25 Contingent — Greater Alabama MLS
• 2017-04-21 Price Changed $54,900 Greater Alabama MLS
• 2017-04-14 Price Changed $55,000 Greater Alabama MLS
• 2017-02-06 Listed $59,900 Greater Alabama MLS
• 2016-10-27 Price Changed $49,900 Greater Alabama MLS
• 2016-10-19 Price Changed $44,900 Greater Alabama MLS
• 2016-04-20 Price Changed $49,900 Greater Alabama MLS
• 1999-07-27 Sold (Public Records) $39,900 Public Records
• 1978-04-10 Sold (Public Records) $23,900 Public Records

Property tax history

+13.8%/yr

Latest (2025): $920 · +0.0% YoY. Source: county tax records.