7225 Rome Ave · Birmingham, AL 35206

$94,900

3 bd · 1.0 ba · 1,215 sqft · SingleFamily public records · 55 Days on market

Built 1959 6,969 sqft lot $78/sqft · 15% above area Est $83k · 15% 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 +28.0/30.0
• DSCR +9.9/10.0
• 1% rule +7.6/10.0
• Livability +3.4/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• ARV discount +0.8/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Solid income-producing investment! Tenant-occupied home generating $1,139/month with lease in place. Well-maintained property offering stable cash flow in a high-demand rental area. Ideal for investors looking to add a performing asset to their portfolio. Available individually or as part of a portfolio.

Key facts

• 6,969 sq ft lot
• Garage
• Built 1959

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $294 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $92k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.0% 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-, schools F, crime 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.
• Market conditions: Rents rising (+1.8%/yr); 128 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); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 34% of the median local income ($43k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $656 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 + 1.8% rent growth), your $27k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask has dropped $17k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $92,053 (3.0% below list)

Questions for the listing agent

1. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.26% ✓
• Cap rate: 10.01%
• Cash-on-cash: 13.27%
• DSCR: 1.59
• GRM: 6.6

CMA / ARV

• ARV (median comp): $82,588
• List price: $94,900
• Delta: 14.91%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
913 77th St S	0.35mi	3/1.5	1,238 (+2%)	8mo	$65,000	$53	72
7432 Queenstown Ave	0.28mi	3/2.0	1,127 (-7%)	5mo	$179,000	$159	66
7705 Belmont Ave	0.36mi	3/1.0	1,324 (+9%)	5mo	$60,000	$45	64
816 Vanderbilt St	0.38mi	3/1.0	1,096 (-10%)	3mo	$81,500	$74	63
7915 7th Ave S	0.73mi	3/1.0	1,162 (-4%)	1mo	$85,000	$73	58
713 77th Pl S	0.43mi	3/1.0	1,364 (+12%)	2mo	$215,000	$158	58
758 Vanderbilt St	0.43mi	3/2.0	1,096 (-10%)	3mo	$175,000	$160	57
2120 3rd Ave N	0.71mi	3/2.0	1,184 (-3%)	4mo	$170,000	$144	55
7332 Sparta Ave	0.15mi	3/3.0	1,396 (+15%)	7mo	$181,500	$130	54
515 72nd St S	0.71mi	3/1.5	1,290 (+6%)	7mo	$105,500	$82	48
6909 Suburban Ter	0.74mi	3/2.0	1,287 (+6%)	8mo	$107,500	$84	45
7801 7th Ave S	0.66mi	3/1.0	1,040 (-14%)	8mo	$125,000	$120	39

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 · 1.82% rent growth · sell at horizon

5-year hold

• IRR: 1.9%
• Equity multiple: 1.07×
• Total profit: $1,945
• Equity at exit: $14,150

10-year hold

• IRR: 10.3%
• Equity multiple: 1.76×
• Total profit: $20,220
• Equity at exit: $8,205

Cash invested: $26,572 (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 35206

• Home prices YoY: -32.0%
• Rents YoY: 1.8%
• Active inventory: 128
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,199 high
• Mortgage (P&I): −$498
• Tax from tax record: −$116 /mo · $1,393/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $294

Break-even live

Break-even rent $827

Max offer price $94,900

Occupancy floor 70%

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7216 Paris Ave Birmingham, AL	3.0	1.5	966	$1,125	$1.16	19d	1	0.15mi
7313 Paris Ave Birmingham, AL	3.0	2.0	1000	$1,395	$1.40	3d	1	0.17mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,300	$1.30	44d	1	0.19mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,275	$1.27	3d	1	0.19mi
7213 Naples Ave Birmingham, AL	3.0	1.5	925	$1,100	$1.19	44d	1	0.25mi
7213 Naples Ave Birmingham, AL	3.0	1.5	937	$1,100	$1.17	12d	1	0.25mi
7404 Paris Ave Birmingham, AL	3.0	1.5	802	$1,200	$1.50	44d	1	0.27mi
836 Vanderbilt St Birmingham, AL	3.0	1.0	1072	$850	$0.79	24d	1	0.41mi
756 Vanderbilt St Birmingham, AL	3.0	2.0	1096	$1,000	$0.91	44d	1	0.46mi
630 77th St S Birmingham, AL	2.0	2.0	1100	$983	$0.89	3d	1	0.48mi
7808 Vienna Ave Birmingham, AL	2.0	1.0	904	$850	$0.94	44d	1	0.56mi
7740 Rugby Ave Unit 2 Birmingham, AL	2.0	1.0	800	$1,000	$1.25	44d	1	0.56mi
7740 Rugby Ave Unit b Birmingham, AL	2.0	1.0	800	$1,100	$1.38	44d	1	0.56mi
7825 Rugby Ct Birmingham, AL	2.0	1.0	929	$875	$0.94	21d	1	0.58mi
7728 Rugby Ave Birmingham, AL	2.0	1.0	700	$850	$1.21	44d	1	0.60mi
7701 7th Ave S Birmingham, AL	2.0	1.0	800	$850	$1.06	24d	1	0.62mi
832 79th Pl S Birmingham, AL	3.0	1.0	960	$1,250	$1.30	24d	1	0.63mi
7823 Rugby Ave Birmingham, AL	3.0	1.0	1023	$1,175	$1.15	44d	1	0.63mi
7827 Rugby Ave Birmingham, AL	3.0	1.0	1365	$850	$0.62	3d	1	0.64mi
605 71st St S Birmingham, AL	3.0	1.5	1024	$1,303	$1.27	2d	1	0.72mi
7620 4th Ave S Birmingham, AL	3.0	1.0	1144	$1,025	$0.90	44d	1	0.75mi
768 80th Pl S Unit 1 Birmingham, AL	3.0	2.0	1134	$1,200	$1.06	44d	1	0.77mi
8013 Rugby Ave Birmingham, AL	3.0	2.0	1460	$1,150	$0.79	24d	1	0.79mi
7931 7th Ave S Birmingham, AL	3.0	1.0	1320	$1,450	$1.10	44d	1	0.80mi
7815 4th Ave S Birmingham, AL	3.0	2.0	1496	$1,650	$1.10	2d	1	0.83mi
764 81st St S Unit B Birmingham, AL	2.0	1.0	800	$800	$1.00	44d	1	0.84mi
7025 4th Ave S Birmingham, AL	3.0	1.0	1090	$845	$0.78	44d	1	0.87mi
2884 Montevallo Park Rd Irondale, AL	3.0	2.0	1275	$2,206	$1.73	3d	1	0.87mi
7801 3rd Ave S Unit B Birmingham, AL	2.0	1.5	1100	$1,000	$0.91	44d	1	0.89mi
7129 3rd Ave S Birmingham, AL	3.0	2.0	1264	$1,095	$0.87	3d	1	0.89mi
735 81st St S Birmingham, AL	3.0	2.0	1224	$1,400	$1.14	24d	1	0.91mi
775 81st Pl S Birmingham, AL	3.0	1.0	1232	$1,095	$0.89	24d	1	0.91mi
731 81st St S Birmingham, AL	3.0	1.0	1221	$995	$0.81	10d	1	0.91mi
7829 3rd Ave S Birmingham, AL	3.0	1.5	1005	$1,025	$1.02	44d	1	0.92mi
6732 Frankfort Ave Birmingham, AL	3.0	1.0	924	$995	$1.08	44d	1	0.93mi
8122 Rugby Ave Unit B Birmingham, AL	2.0	1.0	900	$795	$0.88	44d	1	0.95mi
7721 1st Ave S Birmingham, AL	3.0	1.0	956	$949	$0.99	24d	1	0.96mi
514 81st St S Birmingham, AL	4.0	2.0	1174	$1,295	$1.10	44d	1	0.97mi
7716 Sunrise Cir Birmingham, AL	1.0–2.0	1.0	795	$1,000	$1.26	44d	1	0.97mi
6936 66th St S Birmingham, AL	3.0	1.0	880	$1,050	$1.19	44d	1	0.98mi

Listing history 27 events

1. 2026-06-16
   statusdays on market $94,900 Pending 55 DOM
2. 2026-06-15
   days on market $94,900 Active 54 DOM
3. 2026-06-13
   days on market $94,900 Active 52 DOM
4. 2026-06-10
   days on market $94,900 Active 49 DOM
5. 2026-06-09
   days on market $94,900 Active 48 DOM
6. 2026-06-08
   days on market $94,900 Active 47 DOM
7. 2026-06-07
   days on market $94,900 Active 46 DOM
8. 2026-06-03
   days on market $94,900 Active 42 DOM
9. 2026-06-02
   days on market $94,900 Active 41 DOM
10. 2026-06-01
    days on market $94,900 Active 40 DOM
11. 2026-05-31
    days on market $94,900 Active 39 DOM
12. 2026-05-13
    price $94,900 305-char remark

    Show marketing remark (305 chars)

    Solid income-producing investment! Tenant-occupied home generating $1,139/month with lease in place. Well-maintained property offering stable cash flow in a high-demand rental area. Ideal for investors looking to add a performing asset to their portfolio. Available individually or as part of a portfolio.

13. 2026-04-23
    listed $112,000 Active 305-char remark

    Show marketing remark (305 chars)

    Solid income-producing investment! Tenant-occupied home generating $1,139/month with lease in place. Well-maintained property offering stable cash flow in a high-demand rental area. Ideal for investors looking to add a performing asset to their portfolio. Available individually or as part of a portfolio.

14. 2023-12-15
    soldstatus $96,500 Sold 571-char remark

    Show marketing remark (571 chars)

    Discover the ideal opportunity at 7225 Rome Avenue, whether you're an investor or a homeowner! This recently updated 3-bedroom, 1-bath home boasts hardwood floors in all bedrooms, a 1-car garage, and an inviting open back patio perfect for entertaining or enjoying the spacious backyard. With its prime location just minutes from the Walmart Supercenter, Amazon warehouse, and local shops and restaurants, this property offers both immediate comfort and long-term potential. Don't miss out on this fantastic opportunity – schedule a viewing today and make it yours!

15. 2023-12-11
    historical Contingent 571-char remark

    Show marketing remark (571 chars)

    Discover the ideal opportunity at 7225 Rome Avenue, whether you're an investor or a homeowner! This recently updated 3-bedroom, 1-bath home boasts hardwood floors in all bedrooms, a 1-car garage, and an inviting open back patio perfect for entertaining or enjoying the spacious backyard. With its prime location just minutes from the Walmart Supercenter, Amazon warehouse, and local shops and restaurants, this property offers both immediate comfort and long-term potential. Don't miss out on this fantastic opportunity – schedule a viewing today and make it yours!

16. 2023-10-04
    listed $104,900 Active 571-char remark

    Show marketing remark (571 chars)

    Discover the ideal opportunity at 7225 Rome Avenue, whether you're an investor or a homeowner! This recently updated 3-bedroom, 1-bath home boasts hardwood floors in all bedrooms, a 1-car garage, and an inviting open back patio perfect for entertaining or enjoying the spacious backyard. With its prime location just minutes from the Walmart Supercenter, Amazon warehouse, and local shops and restaurants, this property offers both immediate comfort and long-term potential. Don't miss out on this fantastic opportunity – schedule a viewing today and make it yours!

17. 2022-08-07
    price $895
18. 2022-06-28
    soldstatus $1,541,040
19. 2022-04-22
    soldstatus $72,500
20. 2022-04-22
    soldstatus $51,000
21. 2022-04-21
    soldstatus $72,500 Sold
22. 2022-01-09
    historical Contingent
23. 2021-12-19
    listed $79,000 Active
24. 2021-12-16
    historical $79,000
25. 2003-03-12
    soldstatus $68,000
26. 2002-07-19
    soldstatus $32,500
27. 1997-01-15
    soldstatus $45,000

ⓘ 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: $1,393 · $116/mo
• Projected year-2 tax: $1,393 · $116/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 5/10 Major 7 d/yr ≥106°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,387
• − Mortgage interest: −$5,316
• − Property taxes: −$1,393
• − Insurance: −$474
• − Repairs & maintenance: −$1,151
• − Management: −$1,151
• − Depreciation: −$2,761
• Taxable income: $2,141
• Est. tax owed @ 24.0%: −$514
• After-tax cash flow: $3,012/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): 15,621
• Household income: $42,549
• Rent vs Own: 51.1% rent · 48.9% own
• Severe rent burden: 1169.0

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 (73%)
• Race & ethnicity: Black 73% White 22% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 0%

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: ▼ -68.70%
• Current HPI: 146.2168
• Rent YoY: ▲ 1.82%
• 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

+110.9% since first listed

16 events — show timeline

• 2026-05-13 Price Changed $94,900 Greater Alabama MLS
• 2026-04-23 Listed $112,000 Greater Alabama MLS
• 2023-12-15 Sold (MLS) $96,500 Greater Alabama MLS
• 2023-12-11 Contingent — Greater Alabama MLS
• 2023-10-04 Listed $104,900 Greater Alabama MLS
• 2022-08-07 Price Changed $895 RENT.
• 2022-06-28 Sold (Public Records) $1,541,040 Public Records
• 2022-04-22 Sold (Public Records) $51,000 Public Records
• 2022-04-22 Sold (Public Records) $72,500 Public Records
• 2022-04-21 Sold (MLS) $72,500 Greater Alabama MLS
• 2022-01-09 Contingent — Greater Alabama MLS
• 2021-12-19 Listed $79,000 Greater Alabama MLS
• 2021-12-16 Coming Soon $79,000 Greater Alabama MLS
• 2003-03-12 Sold (Public Records) $68,000 Public Records
• 2002-07-19 Sold (Public Records) $32,500 Public Records
• 1997-01-15 Sold (Public Records) $45,000 Public Records

Property tax history

+10.4%/yr

Latest (2025): $1,393 · +15.4% YoY. Source: county tax records.