812 26th Ave N · Hueytown, AL 35023

$74,900

3 bd · 1.0 ba · 1,456 sqft · SingleFamily public records · 13 Days on market

Built 1930 2.00 ac lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +4.7/10.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

Listing remarks MLS

REDUCED!!!This home waits for that first time homebuyer. You have 3 bedrooms and 1 bath. And there is a basement in which can be used to exercise that design potential. Also according to County tax records there is appx. 2.27 acres of land at your disposal.

Key facts

• 2 acre lot
• Built 1930
• Listed 13 days

Property features AI

Finance

• Financial info: Down payment assistance available; Fire, garbage, and library fees are included
• HOA & community: No association fee

Exterior

• Parking: Driveway parking
• Utilities: Public water; Septic sewer; Electric water heater; Internet service availability unknown
• Home design: Existing structure; Siding (other) exterior
• Construction: Crawl space foundation
• Exterior features: No pool, patio, decks, or garden/patio indicated; Not waterfront; Property includes 2 acres

Interior

• Kitchen: Laminate countertops
• Bedrooms: Three bedrooms on the main level
• Flooring: Hardwood floors
• Bathrooms: One full bathroom with tub/shower combo on the main level
• Heating & cooling: Central heating; Central cooling
• Interior features: Smooth ceilings; Three wood-burning fireplaces with brick surrounds located in the living room, family room, and a bedroom; No additional listed interior features
• Laundry & utility: Laundry in the basement; Washer hookup; Electric dryer hookup; Has laundry space (see remarks)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $622 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Cap rate 16.3% vs local median 5.9% in Hueytown — 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 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities 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: Hueytown High School (math 7% / reading 20%, grade F, #235 of 305 statewide, top 77%, 1,210 students, 79% FRL) — zoned schools average 79% FRL vs 49% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 250 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $69 of equity ($518 loan paydown + $-449 appreciation (-0.6% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-0.6% appreciation + 1.6% rent growth), your $21k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 10y 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 $32k; list at $75k implies a 134% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 41% 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 $74,900

Questions for the listing agent

1. Built in 1930 — 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: 1.91% ✓
• Cap rate: 16.26%
• Cash-on-cash: 35.59%
• DSCR: 2.58
• GRM: 4.4

CMA / ARV

• ARV (on-the-fly): $247,520
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3867 Heritage Crest Dr	0.42mi	4/2.0 (+1)	1,444 (-1%)	1mo	$244,900	$170	69
3400 King St	0.22mi	3/2.0	1,378 (-5%)	10mo	$40,000	$29	68
3875 Heritage Crest Dr	0.44mi	4/2.0 (+1)	1,497 (+3%)	1mo	$266,750	$178	65
3870 Heritage Crest Dr	0.42mi	4/2.0 (+1)	1,497 (+3%)	2mo	$262,400	$175	64
1024 Rose Hill Cir	0.44mi	3/1.0	1,560 (+7%)	8mo	$105,000	$67	61
3855 Heritage Crest Dr	0.39mi	3/2.0	1,281 (-12%)	1mo	$239,400	$187	57
144 Greenridge Rd	0.54mi	4/2.0 (+1)	1,368 (-6%)	1mo	$175,000	$128	55
3871 Heritage Crest Dr	0.43mi	3/2.0	1,272 (-13%)	1mo	$244,900	$193	54
3874 Heritage Crest Dr	0.43mi	3/2.0	1,272 (-13%)	3mo	$244,900	$193	52
105 Greenridge Ter	0.61mi	4/2.0 (+1)	1,368 (-6%)	2mo	$74,300	$54	51
125 Greenridge Ter	0.58mi	3/2.0	1,647 (+13%)	11mo	$160,000	$97	38
1220 26th Ave N	0.60mi	4/2.0 (+1)	1,665 (+14%)	2mo	$195,000	$117	38

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold

• IRR: 34.0%
• Equity multiple: 2.59×
• Total profit: $33,367
• Equity at exit: $19,528

10-year hold

• IRR: 37.3%
• Equity multiple: 4.80×
• Total profit: $79,735
• Equity at exit: $21,768

Cash invested: $20,972 (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 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 250
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,431 high
• Mortgage (P&I): −$393
• Tax from tax record: −$84 /mo · $1,011/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$300
• Net cashflow: $622

Break-even live

Break-even rent $643

Max offer price $74,900

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
905 26th Ave N Bessemer, AL	4.0	2.0	1218	$1,200	$0.99	1d	1	0.15mi
3447 Jeanne Ln Bessemer, AL	3.0	2.0	1460	$1,850	$1.27	1d	1	0.25mi
1013 25th Ave N Bessemer, AL	3.0	2.0	1144	$1,546	$1.35	15d	1	0.36mi
1032 26th Ave N Bessemer, AL	3.0	1.0	1724	$1,175	$0.68	2d	1	0.36mi
1036 Rose Hill Cir Bessemer, AL	3.0	2.0	1277	$1,300	$1.02	21d	1	0.52mi
428 Willow Ln Bessemer, AL	4.0	2.0	1375	$1,620	$1.18	14d	1	0.54mi
1314 22nd Ave N Bessemer, AL	3.0	1.0	1038	$1,000	$0.96	43d	1	0.85mi
2129 13th St N Bessemer, AL	4.0	1.0	1378	$1,445	$1.05	14d	1	0.90mi
2028 13th St N Bessemer, AL	3.0	2.0	1372	$1,073	$0.78	23d	1	0.99mi
1623 26th Ave N Bessemer, AL	2.0	1.0	1004	$1,095	$1.09	11d	1	1.04mi
1929 15th St N Bessemer, AL	3.0	2.0	1140	$1,250	$1.10	19d	1	1.22mi
2234 19th St N Bessemer, AL	2.0	1.0	1106	$975	$0.88	43d	1	1.33mi

Listing history 12 events

1. 2026-05-26
   listed $74,900 Active
2. 2026-05-22
   soldstatus Sold
3. 2026-05-19
   status Pending
4. 2026-05-09
   historical Contingent
5. 2026-05-08
   price $74,900
6. 2026-05-07
   listed $69,900 Active
7. 2016-03-22
   soldstatus $32,000 Sold 257-char remark

   Show marketing remark (257 chars)

   REDUCED!!!This home waits for that first time homebuyer. You have 3 bedrooms and 1 bath. And there is a basement in which can be used to exercise that design potential. Also according to County tax records there is appx. 2.27 acres of land at your disposal.

8. 2016-02-19
   status Pending 257-char remark

   Show marketing remark (257 chars)

   REDUCED!!!This home waits for that first time homebuyer. You have 3 bedrooms and 1 bath. And there is a basement in which can be used to exercise that design potential. Also according to County tax records there is appx. 2.27 acres of land at your disposal.

9. 2016-02-12
   price $32,900 257-char remark

   Show marketing remark (257 chars)

   REDUCED!!!This home waits for that first time homebuyer. You have 3 bedrooms and 1 bath. And there is a basement in which can be used to exercise that design potential. Also according to County tax records there is appx. 2.27 acres of land at your disposal.

10. 2016-01-11
    listed $39,900 Active 257-char remark

    Show marketing remark (257 chars)

    REDUCED!!!This home waits for that first time homebuyer. You have 3 bedrooms and 1 bath. And there is a basement in which can be used to exercise that design potential. Also according to County tax records there is appx. 2.27 acres of land at your disposal.

11. 1986-10-09
    soldstatus $41,500
12. 1979-05-01
    soldstatus $35,500

ⓘ 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: $1,011 · $84/mo
• Projected year-2 tax: $1,011 · $84/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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 41% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,169
• − Mortgage interest: −$4,196
• − Property taxes: −$1,011
• − Insurance: −$374
• − Repairs & maintenance: −$1,373
• − Management: −$1,373
• − Depreciation: −$2,179
• Taxable income: $6,662
• Est. tax owed @ 24.0%: −$1,599
• After-tax cash flow: $5,866/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 — Hueytown

• Score: 57/100
• State rank: #378
• US rank: #21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 25,533
• Household income: $69,863
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 247.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 7%

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: ▼ -0.60%
• Current HPI: 389.38
• Rent YoY: ▲ 1.60%
• 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

+111.0% since first listed

12 events — show timeline

• 2026-05-26 Listed $74,900 Greater Alabama MLS
• 2026-05-22 Sold (MLS) — Greater Alabama MLS
• 2026-05-19 Pending — Greater Alabama MLS
• 2026-05-09 Contingent — Greater Alabama MLS
• 2026-05-08 Price Changed $74,900 Greater Alabama MLS
• 2026-05-07 Listed $69,900 Greater Alabama MLS
• 2016-03-22 Sold (MLS) $32,000 Greater Alabama MLS
• 2016-02-19 Pending — Greater Alabama MLS
• 2016-02-12 Price Changed $32,900 Greater Alabama MLS
• 2016-01-11 Listed $39,900 Greater Alabama MLS
• 1986-10-09 Sold (Public Records) $41,500 Public Records
• 1979-05-01 Sold (Public Records) $35,500 Public Records

Property tax history

+4.9%/yr

Latest (2025): $1,011 · +0.0% YoY. Source: county tax records.