1827 Huntington Dr · Birmingham, AL 35214

$89,000

3 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 1 Days on market

Built 1982 7,405 sqft lot Est $109k · 18% 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 +8.8/10.0
• Livability +3.4/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Priced to Sell! This home offers incredible potential for a first-time homebuyer or savvy investor. With a little TLC and your personal touch, this property can be transformed into the perfect place to call home or a great addition to your investment portfolio. Don’t miss this opportunity to own a home at an affordable price. Schedule your showing today!

Key facts

• 7,405 sq ft lot
• Parking
• Built 1982

Property features AI

Finance

• Other: Lot size approximately 0.17 acres; Subdivision: Huntington

Exterior

• Parking: Driveway parking; One carport space
• Utilities: Public water; Connected sewer; Water heater: gas and electric options; Internet availability unknown
• Home design: Existing construction; Vinyl siding
• Construction: Crawl space foundation
• Exterior features: No pool; No patio; No deck; No garden/patio; Not waterfront

Interior

• Kitchen: Solid surface countertops; Electric stove
• Bedrooms: Three bedrooms on the main level
• Flooring: Carpet; Hardwood
• Bathrooms: Two full bathrooms; Bathtub/shower combo
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Smooth ceilings; No additional interior features listed
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry located on the main level in the garage area

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $89k.

Deal economics

• At list price, monthly cash flow is $359 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $89k).
• Cap rate 11.1% vs local median 6.2% in Birmingham — 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 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.
• Birmingham City (urban): math 4% / reading 20% proficiency, ranked #116 of 129 in AL (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Minor Elementary School (math 0% / reading 14%, grade F, #601 of 627 statewide, top 98%, 454 students, 90% FRL).
• Market conditions: Rents flat; 116 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $615 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.
• At projected returns (-3.0% appreciation + 0.7% rent growth), your $25k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

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 $89,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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.
5. 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.
6. 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: 1.38% ✓
• Cap rate: 11.13%
• Cash-on-cash: 17.29%
• DSCR: 1.77
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $108,864
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
714 Spring St	0.18mi	3/2.0	1,082 (+7%)	16mo	$120,000	$111	62
1815 Huntington Dr	0.07mi	3/2.0	1,158 (+15%)	14mo	$103,000	$89	57
605 Forestdale Blvd	0.54mi	3/1.0	1,060 (+5%)	15mo	$115,000	$108	54
1425 Hibernian St	0.63mi	3/1.0	1,152 (+14%)	6mo	$38,000	$33	41

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 · 0.74% rent growth · sell at horizon

5-year hold

• IRR: 6.1%
• Equity multiple: 1.23×
• Total profit: $5,730
• Equity at exit: $13,270

10-year hold

• IRR: 13.3%
• Equity multiple: 1.96×
• Total profit: $23,800
• Equity at exit: $7,695

Cash invested: $24,920 (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 35214

• Home prices YoY: -20.0%
• Rents YoY: 0.7%
• Active inventory: 116
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,226 high
• Mortgage (P&I): −$467
• Tax from tax record: −$106 /mo · $1,269/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$257
• Net cashflow: $359

Break-even live

Break-even rent $772

Max offer price $89,000

Occupancy floor 66%

Sensitivity live

Price	-10% $409	-5% $384	+0% $359	+5% $334	+10% $309
Rent	-10% $262	-5% $311	+0% $359	+5% $407	+10% $456
Rate	-1.0pp $404	-0.5pp $382	base $359	+0.5pp $336	+1.0pp $312

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1739 Huntington Dr Birmingham, AL	3.0	2.0	1008	$1,150	$1.14	4d	1	0.21mi
609 Cherry Ave Birmingham, AL	3.0	1.5	1104	$1,495	$1.35	24d	1	0.47mi
1425 Hibernian St Birmingham, AL	3.0	1.0	1152	$1,200	$1.04	24d	1	0.65mi
408 Miles Ave Birmingham, AL	3.0	2.0	1377	$1,050	$0.76	22d	1	0.70mi
213 Beech Ave Birmingham, AL	3.0	1.0	1288	$1,000	$0.78	20d	1	0.75mi
1411 Magnolia Dr Unit 1411 Birmingham, AL	2.0	1.0	867	$950	$1.10	44d	1	0.91mi
128 Thomas Cir Birmingham, AL	3.0	1.0	777	$2,550	$3.28	44d	1	1.02mi
1174 16th Avenue Thomas Birmingham, AL	2.0	1.0	1000	$750	$0.75	44d	1	1.12mi
424 34th Ave W Birmingham, AL	3.0	2.0	969	$1,050	$1.08	24d	1	1.22mi
537 37th Ter W Birmingham, AL	3.0	1.0	1060	$1,000	$0.94	44d	1	1.23mi
3417 4th St W Birmingham, AL	3.0	2.0	1275	$1,000	$0.78	44d	1	1.31mi
315 Avenue U Birmingham, AL	3.0	1.0	1088	$1,200	$1.10	4d	1	1.35mi
120 Dewberry Ln Birmingham, AL	3.0	2.0	1485	$1,510	$1.02	20d	1	1.44mi
1500 Cherry Ave Birmingham, AL	3.0	1.0	1144	$1,225	$1.07	4d	1	1.48mi
3732 4th St W Birmingham, AL	4.0	1.0	1185	$900	$0.76	44d	1	1.49mi

Listing history 2 events

1. 2026-06-17
   remarks 356-char remark
2. 2026-06-17
   listed $89,000 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: $1,269 · $106/mo
• Projected year-2 tax: $1,269 · $106/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 ≥106°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: $14,712
• − Mortgage interest: −$4,985
• − Property taxes: −$1,269
• − Insurance: −$445
• − Repairs & maintenance: −$1,177
• − Management: −$1,177
• − Depreciation: −$2,589
• Taxable income: $3,070
• Est. tax owed @ 24.0%: −$737
• After-tax cash flow: $3,571/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: Birmingham City
• NCES district ID: 0100390
• Math proficiency: 4% ▼ -17.00%
• Reading proficiency: 20% ▼ -4.00%
• Median HH income: $31,988
• Composite: 9.49/100
• National rank: #9850
• State rank: #116 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

• Census place: Birmingham, AL
• County: Jefferson County · 527,445 people
• City population: 210,422
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 17,027
• Household income: $56,383
• Rent vs Own: 35.4% rent · 64.6% own
• Severe rent burden: 578.0

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 (77%)
• Race & ethnicity: Black 77% White 18% Two or more races 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 2%

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: ▼ -54.48%
• Current HPI: 218.5233
• Rent YoY: ▲ 0.74%
• 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

1 event — show timeline

• 2026-06-17 Listed $89,000 Greater Alabama MLS

Property tax history

+8.9%/yr

Latest (2025): $1,269 · +7.0% YoY. Source: county tax records.