432 Stage Coach Blvd · Kimberly, AL 35091

$284,000

4 bd · 1.0 ba · 1,768 sqft · SingleFamily public records · 126 Days on market

Built 2023 0.43 ac lot $161/sqft · 45% above area Est $391k · 27% under $46/mo HOA · 2% of rent ↓ 6% since listing

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Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• Cash flow +7.6/30.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• Schools +1.8/10.0
• DSCR +1.7/10.0

Listing remarks MLS

* * * Short Sale * * * Wait until you see this rare Cali Plan with an exceptional yard! This practically brand-new, single-level home offers 4 bedrooms, 2 full baths, and 1,778 square feet of beautifully designed living space. The fully equipped kitchen features granite countertops, a large island, pantry, and stainless appliances including a stove, microwave, and dishwasher. The open layout flows seamlessly into the living room and out to the covered back porch — perfect for everyday living or entertaining. You’ll love the upgraded LVP flooring throughout the foyer, hallways, living room, kitchen, bathrooms, and laundry. A side-entry garage and spacious homesite add even more appeal. Located in Doss Ferry, a sought-after swim community, residents enjoy access to a gorgeous clubhouse, pool, playground, park area, and fitness room. The home also includes a smart-home package for modern convenience. Sellers are not considering Creative Financing

Key facts

• 0.43 acre lot
• 2 garage spots
• Pool

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $284k.

Deal economics

• At list price, monthly cash flow is $-338 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $224k (21.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (27.7% below list).
• Recommended offer: $205k (27.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#99 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing 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.
• Market conditions: 129 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $30k of equity ($2k loan paydown + $28k appreciation (10.0% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$49k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 126 days — a 12% lower offer ($250k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y ago; this cycle's ask has dropped $16k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

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

Recommended offer $205,464 (27.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 126 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.72% ✗
• Cap rate: 4.87%
• Cash-on-cash: -5.10%
• DSCR: 0.77
• GRM: 11.5

CMA / ARV

• ARV (median comp): $391,155
• List price: $284,000
• Delta: -27.39%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
428 Stage Coach Blvd	0.02mi	4/2.0	1,768 (0%)	5mo	$275,000	$156	91
9541 Firebrick Dr	0.22mi	4/2.0	1,672 (-5%)	2mo	$300,000	$179	75
412 Reinsman Cv	0.51mi	4/2.0	1,774 (+0%)	1mo	$307,900	$174	71
420 Reinsman Cv	0.49mi	4/2.0	1,774 (+0%)	2mo	$309,900	$175	71
421 Reinsman Cv	0.48mi	4/2.0	1,774 (+0%)	3mo	$305,000	$172	71
405 Reinsman Cv	0.48mi	4/2.0	1,774 (+0%)	5mo	$299,750	$169	69
413 Reinsman Cv	0.49mi	4/2.0	1,774 (+0%)	6mo	$309,900	$175	67
409 Reinsman Cv	0.49mi	4/2.0	1,774 (+0%)	7mo	$304,900	$172	67
424 Reinsman Cv	0.49mi	3/2.0 (-1)	1,618 (-8%)	2mo	$289,900	$179	52
417 Reinsman Cv	0.48mi	3/2.0 (-1)	1,618 (-8%)	4mo	$289,900	$179	51
401 Reinsman Cv	0.50mi	3/2.0 (-1)	1,618 (-8%)	6mo	$289,900	$179	48
8771 Warrior Kimberly Rd	0.49mi	3/2.0 (-1)	2,012 (+14%)	3mo	$250,000	$124	42

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.7%
• Equity multiple: 2.67×
• Total profit: $133,192
• Equity at exit: $255,850

10-year hold

• IRR: 18.8%
• Equity multiple: 6.15×
• Total profit: $409,205
• Equity at exit: $551,750

Cash invested: $79,520 (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 35091

• Home prices YoY: 8.8%
• Active inventory: 129
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $2,055 medium
• Mortgage (P&I): −$1,489
• Tax from tax record: −$307 /mo · $3,687/yr
• Insurance: −$118
• HOA: −$46
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $-338

Break-even live

Break-even rent $2,482

Max offer price $224,334

Occupancy floor —

Sensitivity live

Price	-10% $-177	-5% $-257	+0% $-338	+5% $-418	+10% $-499
Rent	-10% $-500	-5% $-419	+0% $-338	+5% $-257	+10% $-175
Rate	-1.0pp $-195	-0.5pp $-266	base $-338	+0.5pp $-411	+1.0pp $-486

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: $71,000
• Closing costs: $8,520
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
516 Way Station Pl Kimberly, AL	4.0	3.0	2256	$2,200	$0.98	2d	1	0.51mi
321 Reed Way Kimberly, AL	3.0	2.0	1316	$1,886	$1.43	2d	1	0.56mi

HOA detail

• Monthly dues: $46 · $552/yr
• Likely covers: pool

Listing history 29 events

1. 2026-06-18
   days on market $284,000 Active 126 DOM
2. 2026-06-17
   days on market $284,000 Active 125 DOM
3. 2026-06-16
   days on market $284,000 Active 124 DOM
4. 2026-06-15
   days on market $284,000 Active 123 DOM
5. 2026-06-13
   days on market $284,000 Active 121 DOM
6. 2026-06-10
   days on market $284,000 Active 118 DOM
7. 2026-06-09
   days on market $284,000 Active 117 DOM
8. 2026-06-08
   days on market $284,000 Active 116 DOM
9. 2026-06-07
   days on market $284,000 Active 115 DOM
10. 2026-06-03
    days on market $284,000 Active 111 DOM
11. 2026-06-02
    days on market $284,000 Active 110 DOM
12. 2026-06-01
    days on market $284,000 Active 109 DOM
13. 2026-05-31
    days on market $284,000 Active 108 DOM
14. 2026-03-25
    price $284,000 974-char remark

    Show marketing remark (974 chars)

    * * * Short Sale * * * Wait until you see this rare Cali Plan with an exceptional yard! This practically brand-new, single-level home offers 4 bedrooms, 2 full baths, and 1,778 square feet of beautifully designed living space. The fully equipped kitchen features granite countertops, a large island, pantry, and stainless appliances including a stove, microwave, and dishwasher. The open layout flows seamlessly into the living room and out to the covered back porch — perfect for everyday living or entertaining. You’ll love the upgraded LVP flooring throughout the foyer, hallways, living room, kitchen, bathrooms, and laundry. A side-entry garage and spacious homesite add even more appeal. Located in Doss Ferry, a sought-after swim community, residents enjoy access to a gorgeous clubhouse, pool, playground, park area, and fitness room. The home also includes a smart-home package for modern convenience. Sellers are not considering Creative Financing

15. 2026-03-17
    price $285,000 974-char remark

    Show marketing remark (974 chars)

    * * * Short Sale * * * Wait until you see this rare Cali Plan with an exceptional yard! This practically brand-new, single-level home offers 4 bedrooms, 2 full baths, and 1,778 square feet of beautifully designed living space. The fully equipped kitchen features granite countertops, a large island, pantry, and stainless appliances including a stove, microwave, and dishwasher. The open layout flows seamlessly into the living room and out to the covered back porch — perfect for everyday living or entertaining. You’ll love the upgraded LVP flooring throughout the foyer, hallways, living room, kitchen, bathrooms, and laundry. A side-entry garage and spacious homesite add even more appeal. Located in Doss Ferry, a sought-after swim community, residents enjoy access to a gorgeous clubhouse, pool, playground, park area, and fitness room. The home also includes a smart-home package for modern convenience. Sellers are not considering Creative Financing

16. 2026-02-13
    listed $300,000 Active 974-char remark

    Show marketing remark (974 chars)

    * * * Short Sale * * * Wait until you see this rare Cali Plan with an exceptional yard! This practically brand-new, single-level home offers 4 bedrooms, 2 full baths, and 1,778 square feet of beautifully designed living space. The fully equipped kitchen features granite countertops, a large island, pantry, and stainless appliances including a stove, microwave, and dishwasher. The open layout flows seamlessly into the living room and out to the covered back porch — perfect for everyday living or entertaining. You’ll love the upgraded LVP flooring throughout the foyer, hallways, living room, kitchen, bathrooms, and laundry. A side-entry garage and spacious homesite add even more appeal. Located in Doss Ferry, a sought-after swim community, residents enjoy access to a gorgeous clubhouse, pool, playground, park area, and fitness room. The home also includes a smart-home package for modern convenience. Sellers are not considering Creative Financing

17. 2026-02-01
    historical $300,000 974-char remark

    Show marketing remark (974 chars)

    * * * Short Sale * * * Wait until you see this rare Cali Plan with an exceptional yard! This practically brand-new, single-level home offers 4 bedrooms, 2 full baths, and 1,778 square feet of beautifully designed living space. The fully equipped kitchen features granite countertops, a large island, pantry, and stainless appliances including a stove, microwave, and dishwasher. The open layout flows seamlessly into the living room and out to the covered back porch — perfect for everyday living or entertaining. You’ll love the upgraded LVP flooring throughout the foyer, hallways, living room, kitchen, bathrooms, and laundry. A side-entry garage and spacious homesite add even more appeal. Located in Doss Ferry, a sought-after swim community, residents enjoy access to a gorgeous clubhouse, pool, playground, park area, and fitness room. The home also includes a smart-home package for modern convenience. Sellers are not considering Creative Financing

18. 2025-11-20
    price $300,000
19. 2023-04-14
    soldstatus $289,900 Sold
20. 2023-04-11
    status Pending
21. 2023-02-14
    price $289,900
22. 2023-02-03
    price $299,900
23. 2023-01-31
    price $303,400
24. 2023-01-13
    price $303,300
25. 2022-12-31
    price $303,400
26. 2022-12-23
    price $301,400
27. 2022-12-15
    price $301,385
28. 2022-11-22
    price $301,390
29. 2022-11-07
    listed $301,400 Active

ⓘ 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: $3,687 · $307/mo
• Projected year-2 tax: $3,687 · $307/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 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,656
• − Mortgage interest: −$15,908
• − Property taxes: −$3,687
• − Insurance: −$1,420
• − Repairs & maintenance: −$1,972
• − Management: −$1,972
• − HOA: −$552
• − Depreciation: −$8,262
• Taxable loss: −$9,119
• Est. tax savings @ 24.0%: +$2,188
• After-tax cash flow: $-1,865/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 — Kimberly

• Score: 66/100
• State rank: #99
• US rank: #11415

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Kimberly, AL
• Population (ZIP): 3,632

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 (92%)
• Race & ethnicity: White 92% Black 5% Two or more races 2%
• Common ancestry: Italian 7% Slovak 4% Lithuanian 3%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Korean 1% Other Indo-European 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: ▲ 21.37%
• Current HPI: 265.4636
• Rent YoY: —
• Metro: —
• 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

-5.8% since first listed

16 events — show timeline

• 2026-03-25 Price Changed $284,000 Greater Alabama MLS
• 2026-03-17 Price Changed $285,000 Greater Alabama MLS
• 2026-02-13 Listed $300,000 Greater Alabama MLS
• 2026-02-01 Coming Soon $300,000 Greater Alabama MLS
• 2025-11-20 Price Changed $300,000 Greater Alabama MLS
• 2023-04-14 Sold (MLS) $289,900 Greater Alabama MLS
• 2023-04-11 Pending — Greater Alabama MLS
• 2023-02-14 Price Changed $289,900 Greater Alabama MLS
• 2023-02-03 Price Changed $299,900 Greater Alabama MLS
• 2023-01-31 Price Changed $303,400 Greater Alabama MLS
• 2023-01-13 Price Changed $303,300 Greater Alabama MLS
• 2022-12-31 Price Changed $303,400 Greater Alabama MLS
• 2022-12-23 Price Changed $301,400 Greater Alabama MLS
• 2022-12-15 Price Changed $301,385 Greater Alabama MLS
• 2022-11-22 Price Changed $301,390 Greater Alabama MLS
• 2022-11-07 Listed $301,400 Greater Alabama MLS

Property tax history

+183.7%/yr

Latest (2025): $3,687 · +2.5% YoY. Source: county tax records.