5142 Hillside Dr · Fairfield, AL 35064

$65,000

3 bd · 1.0 ba · 1,638 sqft · SingleFamily public records · 7 Days on market

Built 1991 9,147 sqft lot Est $59k · 10% over

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.2/5.0
• ARV discount +2.9/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Calling all investors!!!! Homes needs TLC.

Key facts

• 9,147 sq ft lot
• 2 parking spots
• Built 1991

Property features AI

Finance

• Other: Located in the Corey subdivision; Driving directions available
• Financial info: Garbage fee of $30 monthly; Down payment assistance available

Exterior

• Parking: Assigned parking and driveway parking; 2-space carport
• Utilities: Public water; Connected sewer; Electric water heater; Internet service availability unknown
• Home design: Vinyl and wood siding; Slab foundation; Existing (previously built) property
• Construction: Vinyl siding; Wood siding; Slab foundation
• Exterior features: Fenced yard; Porch with screened area; Lot of approximately 0.21 acres

Interior

• Kitchen: Laminate countertops; Gas cooktop and gas oven; Refrigerator
• Bedrooms: Three bedrooms on the main level
• Flooring: Carpet; Hardwood; Tile flooring
• Bathrooms: One full bathroom with tub/shower combo on the main level
• Heating & cooling: Electric heating; Window cooling units
• 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/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $498 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Cap rate 15.5% vs local median 10.2% in Fairfield — 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 64/100 on livability (#160 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, amenities F, employment F.
• Fairfield City (suburban): math 2% / reading 15% proficiency, ranked #125 of 129 in AL (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 84% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Robinson Primary School (math 2% / reading 22%, grade F, #536 of 627 statewide, top 88%, 245 students, 89% FRL) — zoned schools at 89% FRL track the district average.
• Market conditions: 52 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% 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 $449 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 $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 7 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 $65,000

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 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?
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: 1.76% ✓
• Cap rate: 15.48%
• Cash-on-cash: 32.81%
• DSCR: 2.46
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $58,968
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
513 Oak Pl	0.22mi	3/1.0	1,440 (-12%)	9mo	$30,000	$21	62
732 41st St	0.54mi	3/1.0	1,584 (-3%)	11mo	$50,000	$32	61
4517 Debardeleben Ave	0.22mi	3/1.0	1,446 (-12%)	13mo	$11,500	$8	59
5722 Terrace Ave	0.46mi	3/2.0	1,548 (-6%)	8mo	$56,000	$36	59
827 60th St	0.72mi	3/2.0	1,650 (+1%)	4mo	$60,000	$36	58
101 60th St	0.63mi	3/1.5	1,540 (-6%)	2mo	$90,000	$58	57
601 41st St	0.50mi	3/1.0	1,442 (-12%)	3mo	$52,250	$36	54
521 41st St	0.51mi	3/1.0	1,800 (+10%)	8mo	$70,000	$39	53
121 61st St	0.67mi	4/2.0 (+1)	1,664 (+2%)	10mo	$52,000	$31	49
949 44th St	0.73mi	3/2.5	1,595 (-3%)	9mo	$94,000	$59	48
820 Valley Rd	0.63mi	4/1.0 (+1)	1,435 (-12%)	5mo	$106,000	$74	41
5401 Myron Massey Blvd	0.52mi	4/2.0 (+1)	1,392 (-15%)	10mo	$125,000	$90	33

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: 27.9%
• Equity multiple: 2.16×
• Total profit: $21,150
• Equity at exit: $9,692

10-year hold

• IRR: 35.4%
• Equity multiple: 4.25×
• Total profit: $59,191
• Equity at exit: $5,620

Cash invested: $18,200 (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 35064

• Home prices YoY: -28.8%
• Active inventory: 52
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,146 high
• Mortgage (P&I): −$341
• Tax from tax record: −$40 /mo · $478/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $498

Break-even live

Break-even rent $516

Max offer price $65,000

Occupancy floor 52%

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
304 52nd St Fairfield, AL	4.0	2.0	1355	$1,000	$0.74	43d	1	0.08mi
328 54th St Unit B Fairfield, AL	2.0	1.0	1570	$750	$0.48	43d	1	0.19mi
410 54th St Fairfield, AL	2.0	1.0	1068	$700	$0.66	3d	1	0.19mi
513 Oak Pl Fairfield, AL	4.0	2.0	1440	$1,300	$0.90	23d	1	0.20mi
518 Oak Pl Fairfield, AL	3.0	1.0	1236	$875	$0.71	19d	1	0.21mi
5001 Farrell Ave Fairfield, AL	2.0	1.0	1218	$995	$0.82	43d	1	0.24mi
5722 Terrace Ave Fairfield, AL	4.0	2.0	1548	$1,495	$0.97	43d	1	0.48mi
521 41st St Fairfield, AL	4.0	2.0	1800	$1,300	$0.72	43d	1	0.49mi
813 46th St Fairfield, AL	2.0	1.0	1100	$825	$0.75	10d	1	0.50mi
209 58th St Fairfield, AL	3.0	2.0	1468	$1,200	$0.82	43d	1	0.50mi
728 41st St Fairfield, AL	3.0	1.0	1316	$1,100	$0.84	43d	1	0.51mi
5219 Court G Unit G Fairfield, AL	3.0	1.0	1140	$950	$0.83	23d	1	0.52mi
518 41st St Fairfield, AL	3.0	2.0	1095	$1,200	$1.10	43d	1	0.53mi
5406 Court G Unit G Fairfield, AL	3.0	2.0	1449	$1,199	$0.83	11d	1	0.55mi
1309 41st St Fairfield, AL	3.0	1.0	1070	$1,200	$1.12	43d	1	0.55mi
5503 Myron Massey Blvd Fairfield, AL	3.0	2.0	1119	$1,200	$1.07	43d	1	0.57mi
109 59th St Fairfield, AL	4.0	1.0	1344	$1,200	$0.89	11d	1	0.59mi
920 47th Street Ensley Birmingham, AL	3.0	1.0	1070	$895	$0.84	3d	1	0.61mi
829 51st Street Ensley Birmingham, AL	3.0	1.0	1203	$1,340	$1.11	3d	1	0.61mi
5300 Avenue I Birmingham, AL	4.0	2.0	1360	$1,500	$1.10	2d	1	0.65mi
704 61st St Fairfield, AL	3.0	1.0	1184	$1,050	$0.89	23d	1	0.67mi
5316 Court I Birmingham, AL	3.0	2.0	1284	$1,200	$0.93	43d	1	0.71mi
435 62nd St Fairfield, AL	3.0	2.0	1249	$985	$0.79	43d	1	0.72mi
5709 Court H Birmingham, AL	4.0	1.5	1455	$1,400	$0.96	1d	1	0.77mi
5521 Court I Birmingham, AL	3.0	2.0	1545	$1,100	$0.71	43d	1	0.80mi
502 64th St Fairfield, AL	3.0	1.0	1250	$695	$0.56	43d	1	0.82mi
1037 47th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1299	$1,000	$0.77	43d	1	0.83mi
3517 Avenue F Birmingham, AL	3.0	2.0	1155	$1,200	$1.04	43d	1	0.87mi
1112 47th St W Birmingham, AL	2.0	1.0	1166	$975	$0.84	43d	1	0.91mi
1312 Gulfport St Birmingham, AL	3.0	1.5	1376	$1,100	$0.80	43d	1	0.92mi
1300 Gulfport St Birmingham, AL	3.0	2.0	1778	$1,200	$0.67	43d	1	0.95mi
1232 Frisco St Birmingham, AL	4.0	2.0	1332	$1,295	$0.97	2d	1	0.95mi
1226 Frisco St Birmingham, AL	4.0	2.0	1232	$1,245	$1.01	11d	1	0.97mi
1345 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1617	$1,175	$0.73	3d	1	1.08mi
3201 Avenue E Birmingham, AL	3.0	1.0	1056	$925	$0.88	43d	1	1.13mi
1410 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1200	$1,000	$0.83	43d	1	1.13mi
1306 35th Street Ensley Birmingham, AL	3.0	2.0	1100	$1,173	$1.07	3d	1	1.18mi
3100 Avenue J Birmingham, AL	3.0	1.0	1409	$1,000	$0.71	10d	1	1.18mi
1436 44th Street Ensley Unit ENSLEY Birmingham, AL	4.0	2.0	1435	$1,495	$1.04	1d	1	1.21mi
1417 Bessemer Rd Birmingham, AL	3.0	1.0	1688	$1,200	$0.71	43d	1	1.22mi

Listing history 6 events

1. 2026-06-18
   days on market $65,000 Active 7 DOM
2. 2026-06-17
   days on market $65,000 Active 6 DOM
3. 2026-06-16
   days on market $65,000 Active 5 DOM
4. 2026-06-15
   days on market $65,000 Active 4 DOM
5. 2026-06-13
   remarks 42-char remark
6. 2026-06-13
   listed $65,000 Active 2 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: $478 · $40/mo
• Projected year-2 tax: $478 · $40/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 1/10 Low
• 🌡 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: $13,752
• − Mortgage interest: −$3,641
• − Property taxes: −$478
• − Insurance: −$325
• − Repairs & maintenance: −$1,100
• − Management: −$1,100
• − Depreciation: −$1,891
• Taxable income: $5,217
• Est. tax owed @ 24.0%: −$1,252
• After-tax cash flow: $4,719/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: Fairfield City
• NCES district ID: 0101440
• Math proficiency: 2% ▼ -18.00%
• Reading proficiency: 15% ▼ -4.00%
• Median HH income: $35,288
• Composite: 6.92/100
• National rank: #9974
• State rank: #125 of 129 in AL

Livability — Fairfield

• Score: 64/100
• State rank: #160
• US rank: #14390

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fairfield, AL
• County: Jefferson County · 527,445 people
• City population: 9,872
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 9,872
• Household income: $48,692
• Rent vs Own: 40.5% rent · 59.5% own
• Severe rent burden: 784.0

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 (91%)
• Race & ethnicity: Black 91% White 7% Two or more races 2%
• Foreign-born: 1% · Canada
• Languages at home: 99% 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: ▼ -50.47%
• Current HPI: 124.7012
• 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

• 2026-06-11 Listed $65,000 Greater Alabama MLS

Property tax history

-16.1%/yr

Latest (2018): $478 · +0.0% YoY. Source: county tax records.