701 Country Club Trl · Gardendale, AL 35071

$224,900

3 bd · 1.0 ba · 1,284 sqft · SingleFamily public records · 121 Days on market

Built 1975 0.92 ac lot $175/sqft · at area comps Est $236k · at est.

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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 +14.8/30.0
• ARV discount +9.7/15.0
• DSCR +4.5/10.0
• 1% rule +3.3/10.0
• Livability +3.3/5.0
• 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

* Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

Key facts

• Seamless glass
• Stainless appliances
• Tiled master shower

Tags

• EAT-IN KITCHEN
• STAINLESS APPLIANCES
• TILE BACKSPLASH
• BREAKFAST BAR
• TILED MASTER SHOWER
• SEAMLESS GLASS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $63 ($754/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 $187k (17.0% below list).
• Recommended offer: $187k (17.0% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 5.5% in Gardendale — 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 (#113 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment 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: Gardendale Elementary School (math 20% / reading 56%, grade F, #263 of 627 statewide, top 42%, 677 students, 48% FRL); Bragg Middle School (math 6% / reading 51%, grade F, #138 of 257 statewide, top 54%, 746 students, 53% FRL); Gardendale High School (math 21% / reading 28%, grade F, #118 of 305 statewide, top 45%, 1,047 students, 48% FRL) — zoned schools at 50% FRL track the district average.
• Market conditions: 98 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 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 $2k of loan paydown is wiped out by about $7k 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 121 days — a 12% lower offer ($198k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 12y 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 $109k; list at $225k implies a 106% gain — meaningful room to come down on a strong offer.

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 $186,691 (17.0% below list)

Questions for the listing agent

1. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — 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. 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?
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: 0.83% ✗
• Cap rate: 6.63%
• Cash-on-cash: 1.20%
• DSCR: 1.05
• GRM: 10.0

CMA / ARV

• ARV (median comp): $236,456
• List price: $224,900
• Delta: -4.89%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
791 Tarrant Rd	0.09mi	3/1.0	1,351 (+5%)	16mo	$100,000	$74	74
5348 Spruce St	0.49mi	3/1.0	1,259 (-2%)	2mo	$6,000	$5	72
3204 Waxberry Ln	0.28mi	3/1.5	1,354 (+6%)	9mo	$217,000	$160	69
537 Tambay Dr	0.37mi	3/2.0	1,380 (+8%)	1mo	$251,500	$182	66
313 Twin Lawn Dr	0.52mi	3/2.0	1,276 (-1%)	7mo	$193,000	$151	65
320 Old Pine Hill Rd	0.37mi	3/2.0	1,170 (-9%)	9mo	$72,500	$62	56
713 Goldenrod Dr	0.53mi	3/2.0	1,380 (+8%)	18mo	$245,000	$178	44

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: -14.4%
• Equity multiple: 0.48×
• Total profit: $-32,502
• Equity at exit: $33,533

10-year hold

• IRR: -5.7%
• Equity multiple: 0.63×
• Total profit: $-23,390
• Equity at exit: $19,445

Cash invested: $62,972 (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 35071

• Home prices YoY: -21.1%
• Active inventory: 98
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,867 high
• Mortgage (P&I): −$1,179
• Tax from tax record: −$139 /mo · $1,667/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$392
• Net cashflow: $63

Break-even live

Break-even rent $1,787

Max offer price $224,900

Occupancy floor 92%

Sensitivity live

Price	-10% $190	-5% $126	+0% $63	+5% $-1	+10% $-64
Rent	-10% $-85	-5% $-11	+0% $63	+5% $137	+10% $210
Rate	-1.0pp $176	-0.5pp $120	base $63	+0.5pp $5	+1.0pp $-55

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: $56,225
• Closing costs: $6,747
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
716 Brookview Dr Gardendale, AL	3.0	2.0	1700	$1,873	$1.10	3d	1	0.46mi
1041 Georgetown Ln Birmingham, AL	3.0	2.0	1262	$1,691	$1.34	3d	1	1.25mi
387 Jamestown Manor Dr Gardendale, AL	2.0	1.5	1104	$1,323	$1.20	13d	1	1.35mi
359 Jamestown Manor Dr Gardendale, AL	2.0	1.5	1098	$1,199	$1.09	16d	1	1.37mi
335 Jamestown Manor Dr Gardendale, AL	3.0	2.5	1252	$1,453	$1.16	16d	1	1.40mi

Listing history 27 events

1. 2026-06-22
   days on market $224,900 Active 121 DOM
2. 2026-06-18
   days on market $224,900 Active 118 DOM
3. 2026-06-17
   days on market $224,900 Active 117 DOM
4. 2026-06-16
   days on market $224,900 Active 116 DOM
5. 2026-06-15
   days on market $224,900 Active 115 DOM
6. 2026-06-13
   days on market $224,900 Active 113 DOM
7. 2026-06-10
   days on market $224,900 Active 110 DOM
8. 2026-06-09
   days on market $224,900 Active 109 DOM
9. 2026-06-08
   days on market $224,900 Active 108 DOM
10. 2026-06-07
    days on market $224,900 Active 107 DOM
11. 2026-06-03
    days on market $224,900 Active 103 DOM
12. 2026-06-02
    days on market $224,900 Active 102 DOM
13. 2026-06-01
    days on market $224,900 Active 101 DOM
14. 2026-05-31
    days on market $224,900 Active 100 DOM
15. 2026-05-05
    historical Contingent 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

16. 2026-04-21
    status Active 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

17. 2026-04-15
    historical Contingent 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

18. 2026-04-01
    status Active 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

19. 2026-03-23
    historical Contingent 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

20. 2026-03-10
    status Active 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

21. 2026-02-27
    historical Contingent 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

22. 2026-02-20
    listed $224,900 Active 659-char remark

    Show marketing remark (659 chars)

    * Completely RENOVATED and READY for its NEW owners! * * This ONE LEVEL home is located in Gardendale's Twin Ridge Community and in the HEART of it all! ~You’ll have to see this one in person to appreciate! ~ GORGEOUS Eat-in Kitchen with Stainless Appliances, Tile Backsplash, and Breakfast Bar ~ NEW Lighting throughout ~ NEWLY Tiled Master Shower with Seamless Glass ~ NEW Bath Fixtures ~ BEAUTIFUL Flooring ~ 701 Country Club Trail is PERFECT for large family gatherings and with an approximate one-acre lot, you'll have plenty of room for FUTURE EXPANSION! ~ Don’t let this one slip by! ~ View this “better than new” home TODAY!

23. 2025-10-28
    price $224,900
24. 2025-06-12
    soldstatus $109,000
25. 2014-05-30
    soldstatus $49,000
26. 2014-01-30
    listed $49,000
27. 1983-05-01
    soldstatus $42,450

ⓘ 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: $1,667 · $139/mo
• Projected year-2 tax: $1,667 · $139/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 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥106°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 9 unhealthy d/yr today · 10 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,403
• − Mortgage interest: −$12,598
• − Property taxes: −$1,667
• − Insurance: −$1,124
• − Repairs & maintenance: −$1,792
• − Management: −$1,792
• − Depreciation: −$6,543
• Taxable loss: −$3,114
• Est. tax savings @ 24.0%: +$747
• After-tax cash flow: $1,501/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 — Gardendale

• Score: 66/100
• State rank: #113
• US rank: #12225

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gardendale, AL
• County: Jefferson County · 527,445 people
• City population: 17,288
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 17,288
• Household income: $82,074
• Rent vs Own: 22.5% rent · 77.5% own
• Severe rent burden: 151.0

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 White (69%)
• Race & ethnicity: White 69% Black 21% Two or more races 4% Hispanic / Latino 2% Asian 1%
• Common ancestry: Slovak 3% Serbian 2% Italian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 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: ▼ -55.29%
• Current HPI: 206.7447
• Rent YoY: —
• 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

+429.8% since first listed

13 events — show timeline

• 2026-05-05 Contingent — Greater Alabama MLS
• 2026-04-21 Relisted — Greater Alabama MLS
• 2026-04-15 Contingent — Greater Alabama MLS
• 2026-04-01 Relisted — Greater Alabama MLS
• 2026-03-23 Contingent — Greater Alabama MLS
• 2026-03-10 Relisted — Greater Alabama MLS
• 2026-02-27 Contingent — Greater Alabama MLS
• 2026-02-20 Listed $224,900 Greater Alabama MLS
• 2025-10-28 Price Changed $224,900 Greater Alabama MLS
• 2025-06-12 Sold (Public Records) $109,000 Public Records
• 2014-05-30 Sold (MLS) $49,000 Greater Alabama MLS
• 2014-01-30 Listed $49,000 Greater Alabama MLS
• 1983-05-01 Sold (Public Records) $42,450 Public Records

Property tax history

+4.3%/yr

Latest (2025): $1,667 · -10.7% YoY. Source: county tax records.