12599 Oak Ridge Rd · Northport, AL 35475

$255,000

3 bd · 1.0 ba · 1,511 sqft · SingleFamily public records · 272 Days on market

Built 1979 1.12 ac lot $169/sqft · 16% below area Est $303k · 16% under ↓ 7% 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 +14.6/15.0
• Cash flow +8.9/30.0
• Livability +3.9/5.0
• Schools +2.9/10.0
• 1% rule +2.7/10.0
• DSCR +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Ranch style home sits on approximately 1 acre lot; Luxury porcelain tile or engineered hardwood in home; no carpeting. Floor plan offers 3 bedrooms, 2 full baths; large greatroom with dining area adjacent. Galley style kitchen with updated countertops and tile flooring; refrigerator/freezer to remain. Large Laundry room with storage area. Two car carport with a detached one car garage with rollup door. Separate workshop; storage shed and fenced back and side yards. Separate sauna on carport for relaxing afternoons. Lovely large lot with back part of lot heavily wooded; providing lots of privacy! Convenient to Tuscaloosa County High School, grocery stores, pharmacy and restaurants! Call today to schedule an appointment to view this exciting new listing!

Key facts

• Engineered hardwood
• 1 acre lot
• Luxury vinyl tile

Tags

• 1 ACRE LOT
• LUXURY VINYL TILE
• CERAMIC TILE
• ENGINEERED HARDWOOD
• GREATROOM WITH DINING AREA
• GALLEY STYLE KITCHEN

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $255k.

Deal economics

• At list price, monthly cash flow is $-205 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $225k (11.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $197k (22.7% below list).
• Recommended offer: $197k (22.7% below list) — sets the bar for 1% rule.
• Cap rate 5.3% vs local median 4.2% in Northport — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 78/100 on livability (#8 in AL, #2,686 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: commute F.
• Tuscaloosa County (suburban): math 21% / reading 45% proficiency, ranked #47 of 129 in AL (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 242 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 622 units permitted in Tuscaloosa County in 2024 (69 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Tuscaloosa County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 272 days — a 12% lower offer ($224k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 48% 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 $197,108 (22.7% 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 272 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.77% ✗
• Cap rate: 5.33%
• Cash-on-cash: -3.45%
• DSCR: 0.85
• GRM: 10.8

CMA / ARV

• ARV (median comp): $302,774
• List price: $255,000
• Delta: -15.78%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13932 Highland Pointe Dr Dr	0.68mi	3/2.0	1,507 (-0%)	12mo	$285,000	$189	54
13908 Highland Pointe Dr. Dr	0.66mi	3/2.0	1,674 (+11%)	6mo	$296,900	$177	42
12585 Cottage Cir	0.73mi	3/2.0	1,485 (-2%)	21mo	$280,000	$189	42
12596 Cottage Cir	0.74mi	3/2.0	1,674 (+11%)	4mo	$305,000	$182	40
13982 Knoll Pointe Dr	0.64mi	3/2.0	1,703 (+13%)	9mo	$340,000	$200	37

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: -22.1%
• Equity multiple: 0.24×
• Total profit: $-54,354
• Equity at exit: $38,021

10-year hold

• IRR: -16.0%
• Equity multiple: 0.10×
• Total profit: $-64,030
• Equity at exit: $22,048

Cash invested: $71,400 (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 35475

• Home prices YoY: -20.8%
• Active inventory: 242
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,971 medium
• Mortgage (P&I): −$1,337
• Tax est. 1.5%: −$319 /mo · $3,825/yr
• Insurance: −$106
• HOA: −$0
• Vacancy / Maint / Mgmt: −$414
• Net cashflow: $-205

Break-even live

Break-even rent $2,231

Max offer price $225,322

Occupancy floor —

Sensitivity live

Price	-10% $-29	-5% $-117	+0% $-205	+5% $-293	+10% $-381
Rent	-10% $-361	-5% $-283	+0% $-205	+5% $-127	+10% $-49
Rate	-1.0pp $-77	-0.5pp $-140	base $-205	+0.5pp $-271	+1.0pp $-338

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: $63,750
• Closing costs: $7,650
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13972 Knoll Pointe Dr Northport, AL	3.0	2.0	1975	$2,100	$1.06	14d	1	0.66mi

Listing history 19 events

1. 2026-06-21
   days on market $255,000 Active 272 DOM
2. 2026-06-18
   days on market $255,000 Active 269 DOM
3. 2026-06-17
   days on market $255,000 Active 268 DOM
4. 2026-06-16
   days on market $255,000 Active 267 DOM
5. 2026-06-15
   days on market $255,000 Active 266 DOM
6. 2026-06-14
   days on market $255,000 Active 264 DOM
7. 2026-06-13
   days on market $255,000 Active 263 DOM
8. 2026-06-10
   days on market $255,000 Active 261 DOM
9. 2026-06-09
   days on market $255,000 Active 260 DOM
10. 2026-06-08
    days on market $255,000 Active 259 DOM
11. 2026-06-07
    days on market $255,000 Active 258 DOM
12. 2026-06-05
    days on market $255,000 Active 255 DOM
13. 2026-06-03
    days on market $255,000 Active 254 DOM
14. 2026-06-02
    days on market $255,000 Active 253 DOM
15. 2026-06-01
    days on market $255,000 Active 252 DOM
16. 2026-05-31
    days on market $255,000 Active 251 DOM
17. 2026-05-30
    days on market $255,000 Active 250 DOM
18. 2025-12-01
    price $269,900 763-char remark

    Show marketing remark (763 chars)

    Ranch style home sits on approximately 1 acre lot; Luxury porcelain tile or engineered hardwood in home; no carpeting. Floor plan offers 3 bedrooms, 2 full baths; large greatroom with dining area adjacent. Galley style kitchen with updated countertops and tile flooring; refrigerator/freezer to remain. Large Laundry room with storage area. Two car carport with a detached one car garage with rollup door. Separate workshop; storage shed and fenced back and side yards. Separate sauna on carport for relaxing afternoons. Lovely large lot with back part of lot heavily wooded; providing lots of privacy! Convenient to Tuscaloosa County High School, grocery stores, pharmacy and restaurants! Call today to schedule an appointment to view this exciting new listing!

19. 2025-09-22
    listed $289,900 Active 763-char remark

    Show marketing remark (763 chars)

    Ranch style home sits on approximately 1 acre lot; Luxury porcelain tile or engineered hardwood in home; no carpeting. Floor plan offers 3 bedrooms, 2 full baths; large greatroom with dining area adjacent. Galley style kitchen with updated countertops and tile flooring; refrigerator/freezer to remain. Large Laundry room with storage area. Two car carport with a detached one car garage with rollup door. Separate workshop; storage shed and fenced back and side yards. Separate sauna on carport for relaxing afternoons. Lovely large lot with back part of lot heavily wooded; providing lots of privacy! Convenient to Tuscaloosa County High School, grocery stores, pharmacy and restaurants! Call today to schedule an appointment to view this exciting new listing!

ⓘ 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 ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 48% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,653
• − Mortgage interest: −$14,284
• − Property taxes: −$3,825
• − Insurance: −$1,275
• − Repairs & maintenance: −$1,892
• − Management: −$1,892
• − Depreciation: −$7,418
• Taxable loss: −$6,934
• Est. tax savings @ 24.0%: +$1,664
• After-tax cash flow: $-797/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: Tuscaloosa County
• NCES district ID: 0103390
• Math proficiency: 21% ▼ -24.00%
• Reading proficiency: 45% ▲ 2.00%
• Median HH income: $53,000
• Composite: 28.88/100
• National rank: #6641
• State rank: #47 of 129 in AL

Livability — Northport

• Score: 78/100
• State rank: #8
• US rank: #2686

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Tuscaloosa County · 206,491 people
• City population: 47,464
• Metro: Tuscaloosa, AL
• Population (ZIP): 20,745
• Household income: $108,559
• Rent vs Own: 7.1% rent · 92.9% own
• Severe rent burden: 49.0

Population outlook (Tuscaloosa County) Hauer SSP2

• Today (2025): 228,293 people
• By 2030: 240,551 · +5.4%
• By 2040: 263,856 · +15.6%
• By 2050: 286,491 · +25.5%
• By 2075: 335,783 · +47.1%
• By 2100: 370,520 · +62.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Black 3% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Italian 5% Lithuanian 2% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Tuscaloosa

• 2024 margin: Strong R (+20.4) · D 39.4% · R 59.8%
• 2008→2024 swing: -4.4pp toward R · 2008: -16.0pp · 2024: -20.4pp
• All cycles: 2024: R+20.4 2020: R+14.8 2016: R+19.5 2012: R+17.4 2008: R+16.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -59.83%
• Current HPI: 228.4417
• Rent YoY: —
• Metro: Tuscaloosa, 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

-6.9% since first listed

2 events — show timeline

• 2025-12-01 Price Changed $269,900 WAMLS
• 2025-09-22 Listed $289,900 WAMLS

Property tax history

+8.1%/yr

Latest (2025): $220 · +7.3% YoY. Source: county tax records.