1708 English Knoll Ln · Birmingham, AL 35235

$175,000

4 bd · 2.0 ba · 1,758 sqft · SingleFamily public records · 29 Days on market

Built 1972 10,018 sqft lot Est $206k · 15% under

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Why this score? — see what drove the C 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 +20.0/30.0
• ARV discount +14.2/15.0
• DSCR +6.3/10.0
• 1% rule +4.4/10.0
• Rent growth +3.8/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

So much to offer and so much potential! Metal Roof (2016), New A/C (2017), New Aluminum Siding (2017)! This home features incredible space, easy floor-plan, a fully fenced yard and is tucked away in a quiet and established neighborhood! Main level has 3 full bedrooms, 2 bathrooms, a spacious living area, dining, and eat in kitchen! Or spread out downstairs to the fourth bedroom and man cave featuring a fabulous wood burning fireplace, Make an appointment today!

Key facts

• Quiet street
• Spacious backyard
• Finished basement

Tags

• QUIET STREET
• FINISHED BASEMENT
• SPACIOUS BACKYARD

Property features AI

Finance

• Other: Lot size approximately 0.23 acres; Located in the English Estates subdivision

Exterior

• Parking: Front garage entry; One total garage space (basement level); Driveway parking
• Utilities: Public water; Connected sewer; Gas water heater; Internet service available
• Home design: Brick over foundation with vinyl siding; Existing structure
• Construction: Basement foundation
• Exterior features: Fenced yard; No pool; No patio, deck, or garden/patio reported; Not waterfront

Interior

• Kitchen: Eating area; Laminate countertops; Dishwasher (built-in); Electric oven; Refrigerator
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level; Bedroom and den/family room in the basement
• Flooring: Hardwood laminate; Vinyl
• Bathrooms: Two full bathrooms; Separate shower and tub/shower combo; Separate vanities and linen closet
• Heating & cooling: Central heating; Central cooling
• Interior features: Tri-level: No; Split level: No; Split foyer: No; Ceilings: Other (see remarks); Attic with pull-down access; Full basement with finished and unfinished areas (concrete block foundation); Living area reported from tax/source
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry located in the basement and garage area

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $214 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $164k (6.4% below list).
• Recommended offer: $164k (6.4% below list) — sets the bar for 1% rule.
• Cap rate 7.8% vs local median 6.2% in Birmingham — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 67/100 on livability (#78 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-, crime F, employment 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: Chalkville Elementary School (math 6% / reading 16%, grade F, #560 of 627 statewide, top 90%, 854 students, 79% FRL); Claychalkville High School (math 6% / reading 9%, grade F, #261 of 305 statewide, top 87%, 1,361 students, 56% FRL) — zoned schools average 67% FRL vs 49% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.4%/yr); 114 active listings in the ZIP; 29 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).
• This rent runs 31% of the median local income ($63k/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 $1k of loan paydown is wiped out by about $5k 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 29 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y 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.
• Current owner paid $120k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• 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 $163,846 (6.4% below list)

Questions for the listing agent

1. Built in 1972 — 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 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?
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: 0.94% ✗
• Cap rate: 7.76%
• Cash-on-cash: 5.25%
• DSCR: 1.23
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $205,686
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1621 Mardis Dr	0.17mi	4/2.0	1,828 (+4%)	4mo	$213,500	$117	83
1725 Sonia Dr	0.32mi	4/2.0	1,764 (+0%)	6mo	$237,000	$134	79
1711 Tudor Dr	0.15mi	3/2.5 (-1)	1,933 (+10%)	1mo	$200,000	$103	69
1713 Sam Dr	0.23mi	4/3.0	1,914 (+9%)	3mo	$170,000	$89	68
1731 Annendale Dr	0.26mi	4/2.0	1,922 (+9%)	6mo	$230,500	$120	67
1641 Azalea Dr	0.63mi	4/2.0	1,728 (-2%)	3mo	$169,000	$98	66
904 Rich Rd	0.64mi	3/2.0 (-1)	1,755 (-0%)	3mo	$235,000	$134	62
1805 Lyle Dr	0.59mi	3/2.5 (-1)	1,702 (-3%)	1mo	$155,000	$91	59
1586 Wilderness Ln	0.44mi	4/3.0	1,908 (+8%)	3mo	$320,000	$168	59
1903 Croydon Cir	0.60mi	3/2.0 (-1)	1,658 (-6%)	7mo	$82,500	$50	52
1936 Carraway St	0.74mi	4/2.5	1,986 (+13%)	5mo	$160,000	$81	38
1524 Highland Dr	0.71mi	3/2.0 (-1)	1,972 (+12%)	6mo	$240,000	$122	37

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 · 5.39% rent growth · sell at horizon

5-year hold

• IRR: -5.8%
• Equity multiple: 0.78×
• Total profit: $-10,734
• Equity at exit: $26,093

10-year hold

• IRR: 6.3%
• Equity multiple: 1.52×
• Total profit: $25,384
• Equity at exit: $15,131

Cash invested: $49,000 (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 35235

• Home prices YoY: -21.1%
• Rents YoY: 5.4%
• Active inventory: 114
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,638 high
• Mortgage (P&I): −$918
• Tax from tax record: −$90 /mo · $1,074/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$344
• Net cashflow: $214

Break-even live

Break-even rent $1,367

Max offer price $175,000

Occupancy floor 82%

Sensitivity live

Price	-10% $313	-5% $264	+0% $214	+5% $165	+10% $115
Rent	-10% $85	-5% $150	+0% $214	+5% $279	+10% $344
Rate	-1.0pp $302	-0.5pp $259	base $214	+0.5pp $169	+1.0pp $123

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1808 Brewster Rd Birmingham, AL	4.0	2.0	1548	$1,515	$0.98	44d	1	0.20mi
1830 Christian St Birmingham, AL	3.0	2.0	1468	$1,375	$0.94	3d	1	0.23mi
1733 Molly Dr Birmingham, AL	4.0	1.5	1570	$1,460	$0.93	11d	1	0.23mi
1748 Sonia Dr Birmingham, AL	4.0	2.0	1401	$1,395	$1.00	44d	1	0.38mi
1760 Sonia Dr Birmingham, AL	3.0	2.0	1550	$1,635	$1.05	2d	1	0.41mi
1753 Tall Oak Cir Birmingham, AL	3.0	2.0	1380	$1,225	$0.89	4d	1	0.55mi
1729 Tall Oak Cir Birmingham, AL	3.0	2.0	1403	$1,630	$1.16	2d	1	0.55mi
1868 Carraway St Birmingham, AL	3.0	2.0	1819	$1,500	$0.82	24d	1	0.57mi
1819 Valley Run Cir Birmingham, AL	4.0	2.5	1694	$1,761	$1.04	44d	1	0.60mi
1817 Lyle Dr Birmingham, AL	4.0	2.0	1361	$1,605	$1.18	24d	1	0.62mi
1761 Big Mountain Dr Birmingham, AL	4.0	2.0	1632	$1,575	$0.97	45d	1	0.65mi
1839 Satterwhite St Birmingham, AL	4.0	2.0	2443	$1,671	$0.68	44d	1	0.69mi
2025 Brewster Rd Birmingham, AL	3.0	2.0	1369	$1,450	$1.06	24d	1	0.83mi
1845 Stonehenge Dr Birmingham, AL	3.0	2.0	1358	$1,323	$0.97	15d	1	0.84mi
1421 Brewster Cir Birmingham, AL	3.0	2.0	1439	$1,525	$1.06	2d	1	0.87mi
940 Pine Hill Rd Birmingham, AL	3.0	2.0	1926	$1,475	$0.77	44d	1	0.99mi
1409 Medina Ln Birmingham, AL	3.0	2.0	2113	$1,600	$0.76	44d	1	0.99mi
1440 Hickory Ln Birmingham, AL	3.0	2.0	1448	$1,625	$1.12	2d	1	1.01mi
1700 Serene Dr Birmingham, AL	4.0	1.5	1543	$1,630	$1.06	2d	1	1.02mi
600 20th Ct NE Center Point, AL	3.0	2.0	1878	$1,650	$0.88	24d	1	1.11mi
744 Vaughn Cir Birmingham, AL	4.0	2.0	1516	$1,561	$1.03	24d	1	1.22mi
1328 Oak Ter Birmingham, AL	3.0	2.0	1772	$1,581	$0.89	12d	1	1.24mi
413 20th Ct NE Center Point, AL	3.0	1.5	1540	$1,375	$0.89	44d	1	1.32mi
1360 Orlando Cir NE Birmingham, AL	3.0	2.0	1489	$1,455	$0.98	24d	1	1.32mi
2202 Cheshire Dr Birmingham, AL	3.0	2.5	1536	$1,325	$0.86	3d	1	1.33mi
2232 6th St NE Center Point, AL	3.0	1.0	1550	$1,150	$0.74	44d	1	1.37mi
1340 Orlando Cir NE Birmingham, AL	3.0	2.0	1329	$1,166	$0.88	24d	1	1.39mi
1235 Little Brook Ln Birmingham, AL	3.0	2.0	1787	$2,400	$1.34	44d	1	1.40mi
2249 4th Place Cir NE Center Point, AL	3.0	1.5	1400	$1,400	$1.00	44d	1	1.50mi

Listing history 24 events

1. 2026-06-18
   days on market $175,000 Active 29 DOM
2. 2026-06-17
   days on market $175,000 Active 28 DOM
3. 2026-06-16
   days on market $175,000 Active 27 DOM
4. 2026-06-15
   days on market $175,000 Active 26 DOM
5. 2026-06-13
   days on market $175,000 Active 24 DOM
6. 2026-06-10
   days on market $175,000 Active 21 DOM
7. 2026-06-09
   days on market $175,000 Active 20 DOM
8. 2026-06-08
   days on market $175,000 Active 19 DOM
9. 2026-06-07
   days on market $175,000 Active 18 DOM
10. 2026-06-03
    days on market $175,000 Active 14 DOM
11. 2026-06-02
    days on market $175,000 Active 13 DOM
12. 2026-06-01
    days on market $175,000 Active 12 DOM
13. 2026-05-31
    days on market $175,000 Active 11 DOM
14. 2026-05-20
    listed $175,000 Active
15. 2026-03-01
    historical $1,706
16. 2026-02-27
    listed $1,706
17. 2022-11-17
    historical
18. 2019-12-17
    soldstatus $119,750
19. 2019-12-06
    soldstatus $119,750 Sold 466-char remark

    Show marketing remark (466 chars)

    So much to offer and so much potential! Metal Roof (2016), New A/C (2017), New Aluminum Siding (2017)! This home features incredible space, easy floor-plan, a fully fenced yard and is tucked away in a quiet and established neighborhood! Main level has 3 full bedrooms, 2 bathrooms, a spacious living area, dining, and eat in kitchen! Or spread out downstairs to the fourth bedroom and man cave featuring a fabulous wood burning fireplace, Make an appointment today!

20. 2019-10-21
    status Pending 466-char remark

    Show marketing remark (466 chars)

    So much to offer and so much potential! Metal Roof (2016), New A/C (2017), New Aluminum Siding (2017)! This home features incredible space, easy floor-plan, a fully fenced yard and is tucked away in a quiet and established neighborhood! Main level has 3 full bedrooms, 2 bathrooms, a spacious living area, dining, and eat in kitchen! Or spread out downstairs to the fourth bedroom and man cave featuring a fabulous wood burning fireplace, Make an appointment today!

21. 2019-10-10
    listed $129,900 Active 466-char remark

    Show marketing remark (466 chars)

    So much to offer and so much potential! Metal Roof (2016), New A/C (2017), New Aluminum Siding (2017)! This home features incredible space, easy floor-plan, a fully fenced yard and is tucked away in a quiet and established neighborhood! Main level has 3 full bedrooms, 2 bathrooms, a spacious living area, dining, and eat in kitchen! Or spread out downstairs to the fourth bedroom and man cave featuring a fabulous wood burning fireplace, Make an appointment today!

22. 2019-09-23
    historical $129,900 466-char remark

    Show marketing remark (466 chars)

    So much to offer and so much potential! Metal Roof (2016), New A/C (2017), New Aluminum Siding (2017)! This home features incredible space, easy floor-plan, a fully fenced yard and is tucked away in a quiet and established neighborhood! Main level has 3 full bedrooms, 2 bathrooms, a spacious living area, dining, and eat in kitchen! Or spread out downstairs to the fourth bedroom and man cave featuring a fabulous wood burning fireplace, Make an appointment today!

23. 1994-09-01
    soldstatus $75,500
24. 1987-05-01
    soldstatus $66,200

ⓘ 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: $1,074 · $90/mo
• Projected year-2 tax: $1,074 · $90/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 ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,662
• − Mortgage interest: −$9,803
• − Property taxes: −$1,074
• − Insurance: −$875
• − Repairs & maintenance: −$1,573
• − Management: −$1,573
• − Depreciation: −$5,091
• Taxable loss: −$327
• Est. tax savings @ 24.0%: +$79
• After-tax cash flow: $2,649/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 — Birmingham

• Score: 67/100
• State rank: #78
• US rank: #10412

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• City population: 210,422
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 20,526
• Household income: $63,295
• Rent vs Own: 34.5% rent · 65.5% own
• Severe rent burden: 941.0

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: Majority Black (63%)
• Race & ethnicity: Black 63% White 30% Two or more races 3% Asian 2% Hispanic / Latino 2%
• Common ancestry: Slovak 2% Serbian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 2% Other Asian/Pacific 1%

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: ▼ -54.62%
• Current HPI: 204.6532
• Rent YoY: ▲ 5.39%
• 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

+164.4% since first listed

11 events — show timeline

• 2026-05-20 Listed $175,000 Greater Alabama MLS
• 2026-03-01 Rental Removed $1,706 RENTLY
• 2026-02-27 Listed for Rent $1,706 RENTLY
• 2022-11-17 Rental Removed — RENT.
• 2019-12-17 Sold (Public Records) $119,750 Public Records
• 2019-12-06 Sold (MLS) $119,750 Greater Alabama MLS
• 2019-10-21 Pending — Greater Alabama MLS
• 2019-10-10 Listed $129,900 Greater Alabama MLS
• 2019-09-23 Coming Soon $129,900 Greater Alabama MLS
• 1994-09-01 Sold (Public Records) $75,500 Public Records
• 1987-05-01 Sold (Public Records) $66,200 Public Records

Property tax history

+2.6%/yr

Latest (2025): $1,074 · +0.0% YoY. Source: county tax records.