2754 County Line Dr · County Line, AL 35172

$145,500

3 bd · 1.0 ba · 1,471 sqft · SingleFamily public records · 50 Days on market

Built 1920 1.00 ac lot $99/sqft · 13% below area Est $167k · 13% under

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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 +14.2/30.0
• ARV discount +13.3/15.0
• Appreciation +10.0/10.0
• DSCR +4.3/10.0
• 1% rule +2.9/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

Listing remarks

Come see this stunning 4 bedroom/2 bathroom home with renovated granite counters, LVT and tile flooring and a Huge covered porch!

Key facts

• 1 acre lot
• Built 1920
• Listed 50 days

Property features AI

Finance

• Other: Property sits on 1 acre

Exterior

• Parking: Driveway parking; Off-street parking
• Utilities: Public water; Septic sewer system; Electric water heater; Internet service availability unknown
• Home design: Existing home; Single-story layout (all listed rooms on main level); Vinyl siding
• Construction: Vinyl siding construction; Crawl space foundation
• Exterior features: Front porch; No deck, patio, pool, or garden reported; Not waterfront

Interior

• Kitchen: Solid surface countertops; Kitchen located on the main level
• Bedrooms: Six bedrooms, all on the main level
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: Two full bathrooms with tub/shower combos
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceilings noted as 'Other' (see remarks); No additional interior features listed
• Laundry & utility: Main-level laundry in a closet; Washer hookup provided; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $146k.

Deal economics

• At list price, monthly cash flow is $24 ($283/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $115k (21.0% below list).
• Recommended offer: $115k (21.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 56/100 on livability (#414 in AL) — a working-class tenant base; expect higher turnover. Strengths: employment A+, cost of living A+, housing A+; Watch: crime D+, amenities F, commute 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: Warrior Elementary School (math 17% / reading 52%, grade F, #296 of 627 statewide, top 49%, 551 students, 67% FRL); Mortimer Jordan High School (math 23% / reading 27%, grade F, #114 of 305 statewide, top 38%, 861 students, 45% FRL).
• Market conditions: 12 active listings in the ZIP; 1 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 $16k of equity ($1k loan paydown + $15k 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.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $41k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$39k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $102k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• 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 $115,000 (21.0% below list)

Questions for the listing agent

1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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 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?
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: 0.79% ✗
• Cap rate: 6.49%
• Cash-on-cash: 0.70%
• DSCR: 1.03
• GRM: 10.5

CMA / ARV

• ARV (median comp): $167,166
• List price: $145,500
• Delta: -12.96%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9120 2nd Ave E	0.41mi	3/2.0	1,508 (+2%)	6mo	$145,750	$97	67
9030 W Commercial Ave	0.52mi	3/2.0	1,451 (-1%)	9mo	$150,000	$103	62
2562 Trafford Co Line Rd	0.41mi	3/2.0	1,484 (+1%)	19mo	$250,000	$168	60
2473 Warrior Trafford Rd	0.68mi	3/2.0	1,485 (+1%)	18mo	$195,000	$131	48
2576 Trafford Co Line Rd	0.40mi	2/1.0 (-1)	1,605 (+9%)	18mo	$40,000	$25	46

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: 24.8%
• Equity multiple: 2.98×
• Total profit: $80,690
• Equity at exit: $131,078

10-year hold

• IRR: 21.9%
• Equity multiple: 6.80×
• Total profit: $236,323
• Equity at exit: $282,674

Cash invested: $40,740 (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 35172

• Home prices YoY: 14.8%
• Active inventory: 12
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $1,150 medium
• Mortgage (P&I): −$763
• Tax from tax record: −$61 /mo · $735/yr
• Insurance: −$61
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $24

Break-even live

Break-even rent $1,120

Max offer price $145,500

Occupancy floor 93%

Sensitivity live

Price	-10% $106	-5% $65	+0% $24	+5% $-18	+10% $-59
Rent	-10% $-67	-5% $-22	+0% $24	+5% $69	+10% $114
Rate	-1.0pp $97	-0.5pp $61	base $24	+0.5pp $-14	+1.0pp $-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: $36,375
• Closing costs: $4,365
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9337 3rd Ave Trafford, AL	2.0	2.0	1240	$1,150	$0.93	15d	1	0.53mi

Listing history 16 events

1. 2026-06-18
   days on market $145,500 Active 50 DOM
2. 2026-06-17
   days on market $145,500 Active 49 DOM
3. 2026-06-16
   days on market $145,500 Active 48 DOM
4. 2026-06-15
   days on market $145,500 Active 47 DOM
5. 2026-06-13
   days on market $145,500 Active 45 DOM
6. 2026-06-10
   days on market $145,500 Active 42 DOM
7. 2026-06-09
   days on market $145,500 Active 41 DOM
8. 2026-06-08
   days on market $145,500 Active 40 DOM
9. 2026-06-07
   days on market $145,500 Active 39 DOM
10. 2026-06-03
    days on market $145,500 Active 35 DOM
11. 2026-06-02
    days on market $145,500 Active 34 DOM
12. 2026-06-01
    days on market $145,500 Active 33 DOM
13. 2026-05-31
    days on market $145,500 Active 32 DOM
14. 2026-04-28
    listed $145,500 Active 129-char remark
15. 2021-06-02
    soldstatus $101,500
16. 2020-11-23
    soldstatus $80,000

ⓘ 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: $735 · $61/mo
• Projected year-2 tax: $735 · $61/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 ≥108°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 4 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,800
• − Mortgage interest: −$8,150
• − Property taxes: −$735
• − Insurance: −$728
• − Repairs & maintenance: −$1,104
• − Management: −$1,104
• − Depreciation: −$4,233
• Taxable loss: −$2,254
• Est. tax savings @ 24.0%: +$541
• After-tax cash flow: $824/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 — County Line

• Score: 56/100
• State rank: #414
• US rank: #22698

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: County Line, AL
• Population (ZIP): 2,824

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 (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Black 6% Two or more races 4%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Scottish 1% Serbian 1% Italian 1%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 7% 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: ▲ 26.16%
• Current HPI: 202.94
• 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

+81.9% since first listed

3 events — show timeline

• 2026-04-28 Listed $145,500 Greater Alabama MLS
• 2021-06-02 Sold (Public Records) $101,500 Public Records
• 2020-11-23 Sold (Public Records) $80,000 Public Records

Property tax history

+17.2%/yr

Latest (2025): $735 · +0.0% YoY. Source: county tax records.