3755 Magnolia Ct · Gardendale, AL 35071

$49,900

3 bd · 2.0 ba · 1,400 sqft · Manufactured · 28 Days on market

Built 2016 Good condition Est $66k · 24% 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Condition / age +3.8/5.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Beautiful home with 3 bedrooms and 2 full baths. Master bath has garden tub, separate shower and a walk in closet. New floors in all rooms except Master. Fresh paint in all rooms. Spacious and updated. Family friendly neighborhood with community pool and several playgrounds. * LOT RENT IS REQUIRED. NEW OWNER MUST BE APPROVED BY PEACHTREE. Home may also be moved. * Agent is related to seller.

Key facts

• 2 parking spots
• Community pool
• Built 2016

Property features AI

Finance

• Other: Subdivision: PEACH TREE; Lot number 3755
• Financial info: Garbage fee of $15 per month
• HOA & community: No association fee

Exterior

• Parking: Driveway parking; 2-space carport
• Utilities: Public water; Connected sewer; Electric water heater; Underground utilities; Internet service available
• Home design: Existing construction; Vinyl siding
• Construction: Slab foundation
• Exterior features: Porch; Open deck; Storm shelter (public); Community pool (indoor) with perimeter fencing

Interior

• Kitchen: Solid surface countertops; Convection oven; Electric cooktop; Electric oven; Self-cleaning oven
• Bedrooms: Master bedroom on main level; Two additional bedrooms on main level; Walk-in closets; Split-bedroom layout
• Flooring: Carpet; Hardwood laminate; Vinyl
• Bathrooms: Two full bathrooms; Master bathroom with separate shower and garden tub; Separate vanities
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Smooth ceilings; No additional built-in interior features listed
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $50k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $1k ($14k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $50k).
• Recommended offer: $49k (1.5% below list) — sets the bar for market timing.
• Cap rate 34.8% vs local median 5.5% in Gardendale — 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 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: Snow Rogers Elementary School (math 22% / reading 57%, grade F, #243 of 627 statewide, top 41%, 386 students, 52% 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: 97 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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 $345 of loan paydown is wiped out by about $1k 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 $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($49k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $49,151 (1.5% below list)

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. 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.
3. 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.
4. 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: 3.88% ✓
• Cap rate: 34.75%
• Cash-on-cash: 101.64%
• DSCR: 5.52
• GRM: 2.1

CMA / ARV

• ARV (on-the-fly): $65,800
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3625 Ash Pl	0.07mi	3/2.0	1,400 (0%)	3mo	$66,000	$47	94

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: —
• Equity multiple: 5.82×
• Total profit: $67,314
• Equity at exit: $7,440

10-year hold

• IRR: —
• Equity multiple: 12.15×
• Total profit: $155,786
• Equity at exit: $4,314

Cash invested: $13,972 (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: 97
• Price-to-rent: 2.1×

Monthly cashflow live

• Estimated rent: $1,934 medium
• Mortgage (P&I): −$262
• Tax est. 1.5%: −$62 /mo · $748/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$406
• Net cashflow: $1,183

Break-even live

Break-even rent $437

Max offer price $49,900

Occupancy floor 34%

Sensitivity live

Price	-10% $1,218	-5% $1,201	+0% $1,183	+5% $1,166	+10% $1,149
Rent	-10% $1,031	-5% $1,107	+0% $1,183	+5% $1,260	+10% $1,336
Rate	-1.0pp $1,209	-0.5pp $1,196	base $1,183	+0.5pp $1,170	+1.0pp $1,157

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2549 Ferguson Rd Gardendale, AL	3.0	1.5	1092	$1,250	$1.14	25d	1	0.47mi
2050 Pinehurst Dr Gardendale, AL	3.0	2.0	1514	$1,595	$1.05	4d	1	0.96mi

Listing history 14 events

1. 2026-06-18
   days on market $49,900 Active 28 DOM
2. 2026-06-17
   days on market $49,900 Active 27 DOM
3. 2026-06-16
   days on market $49,900 Active 26 DOM
4. 2026-06-15
   days on market $49,900 Active 25 DOM
5. 2026-06-13
   days on market $49,900 Active 23 DOM
6. 2026-06-10
   days on market $49,900 Active 20 DOM
7. 2026-06-09
   days on market $49,900 Active 19 DOM
8. 2026-06-08
   days on market $49,900 Active 18 DOM
9. 2026-06-07
   days on market $49,900 Active 17 DOM
10. 2026-06-03
    days on market $49,900 Active 13 DOM
11. 2026-06-02
    days on market $49,900 Active 12 DOM
12. 2026-06-01
    days on market $49,900 Active 11 DOM
13. 2026-05-31
    days on market $49,900 Active 10 DOM
14. 2026-05-21
    listed $49,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,214
• − Mortgage interest: −$2,795
• − Property taxes: −$748
• − Insurance: −$250
• − Repairs & maintenance: −$1,857
• − Management: −$1,857
• − Depreciation: −$1,452
• Taxable income: $14,255
• Est. tax owed @ 24.0%: −$3,421
• After-tax cash flow: $10,780/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.

Condition & rehab AI · 17 photos

Good 75/100 Cosmetic rehab

This home is in good condition with fresh paint and hardwood floors. It has a good curb appeal and is move-in ready.

Value-add opportunities

• Both Paint the exterior siding — Fresh paint can improve curb appeal and home value
• Both Replace the carpet in the bedrooms — Hardwood floors in living areas make the home more appealing
• Both Install new kitchen appliances — Modern appliances can increase both resale and rental value

Renovation cost estimate screening

Value-add ROI direction

• Both Paint the exterior siding — Fresh paint can improve curb appeal and home value ↑
• Both Replace the carpet in the bedrooms — Hardwood floors in living areas make the home more appealing ↑
• Both Install new kitchen appliances — Modern appliances can increase both resale and rental value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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

1 event — show timeline

• 2026-05-21 Listed $49,900 Greater Alabama MLS