17026 Finnell Rd · Tuscaloosa, AL 35475

$109,900

3 bd · 2.0 ba · 1,668 sqft · SingleFamily public records · 83 Days on market

Built 1997 1.14 ac lot

---

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
• Livability +3.9/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 17020 Finnell Rd in Northport, a peaceful property just minutes from the lake! This 3-bedroom, 2- bath all electric home offers over 1,600 sqft of living space with a functional layout that’s ready for a new owner’s personal touch. The property sits on a quiet 1.14 acre with convenient access to nearby amenities, providing the perfect blend of privacy and convenience. A new dishwasher was added in 2025, and the home is zoned for the highly sought after Northside school district. With its space, location, and potential, this home is an excellent opportunity for anyone looking for value and lifestyle in Northport county.

Key facts

• 1.14 acre
• New dishwasher
• 1.14 acre lot

Tags

• NEW DISHWASHER
• 1.14 ACRE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $818 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $103k (6.0% below list) — sets the bar for market timing.
• Cap rate 15.2% vs local median 3.4% in Tuscaloosa — 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 77/100 on livability (#9 in AL, #2,909 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, health & safety A+, cost of living A; Watch: crime F, employment D-.
• 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.
• Zoned schools: Walker Elementary School (math 49% / reading 63%, grade C+, #83 of 627 statewide, top 13%, 760 students, 43% FRL); Northside Middle School (math 22% / reading 49%, grade F, #81 of 257 statewide, top 33%, 405 students, 45% FRL); Northside High School (math 32% / reading 27%, grade F, #70 of 305 statewide, top 27%, 494 students, 50% FRL) — zoned schools at 46% FRL track the district average.
• 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 $760 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 83 days — a 6% lower offer ($103k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y 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 $71k; list at $110k implies a 55% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 45% 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 $103,306 (6.0% below list)

Questions for the listing agent

1. It's been on market 83 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.70% ✓
• Cap rate: 15.22%
• Cash-on-cash: 31.89%
• DSCR: 2.42
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $351,948
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
17026 Finnell Rd	0.00mi	3/2.0	1,668 (0%)	1mo	$80,000	$48	100
17060 Hayes Rd	0.55mi	3/2.0	1,782 (+7%)	9mo	$466,000	$262	55
11876 Meadowview Dr	0.47mi	3/2.5	1,786 (+7%)	14mo	$376,000	$211	53
12150 Finnell Cutoff Rd	0.40mi	3/2.0	1,466 (-12%)	13mo	$246,500	$168	50

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: 26.8%
• Equity multiple: 2.11×
• Total profit: $34,238
• Equity at exit: $16,386

10-year hold

• IRR: 34.4%
• Equity multiple: 4.14×
• Total profit: $96,735
• Equity at exit: $9,502

Cash invested: $30,772 (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: 4.9×

Monthly cashflow live

• Estimated rent: $1,867 medium
• Mortgage (P&I): −$576
• Tax from tax record: −$35 /mo · $420/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$392
• Net cashflow: $818

Break-even live

Break-even rent $832

Max offer price $109,900

Occupancy floor 51%

Sensitivity live

Price	-10% $880	-5% $849	+0% $818	+5% $787	+10% $756
Rent	-10% $670	-5% $744	+0% $818	+5% $891	+10% $965
Rate	-1.0pp $873	-0.5pp $846	base $818	+0.5pp $789	+1.0pp $760

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
17672 Highway 43 N Northport, AL	3.0	2.0	1250	$1,500	$1.20	15d	1	1.44mi

Listing history 8 events

1. 2026-04-06
   status Pending
2. 2026-01-12
   listed $109,900 Active
3. 2025-10-08
   status Pending
4. 2025-08-22
   listed $109,900 Active
5. 2021-09-10
   listed $99,900
6. 2014-03-19
   soldstatus $71,000
7. 2014-03-18
   soldstatus $70,000
8. 2013-08-28
   listed $79,900

ⓘ 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: $420 · $35/mo
• Projected year-2 tax: $451 · $38/mo
• Expected delta: +$31/yr (+$3/mo · 7.3%)

ⓘ 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 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 45% 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: $22,402
• − Mortgage interest: −$6,156
• − Property taxes: −$420
• − Insurance: −$550
• − Repairs & maintenance: −$1,792
• − Management: −$1,792
• − Depreciation: −$3,197
• Taxable income: $8,495
• Est. tax owed @ 24.0%: −$2,039
• After-tax cash flow: $7,774/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 — Tuscaloosa

• Score: 77/100
• State rank: #9
• US rank: #2909

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Tuscaloosa County · 206,491 people
• City population: 134,228
• 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

+37.5% since first listed

8 events — show timeline

• 2026-04-06 Pending — WAMLS
• 2026-01-12 Listed $109,900 WAMLS
• 2025-10-08 Pending — WAMLS
• 2025-08-22 Listed $109,900 WAMLS
• 2021-09-10 Listed $99,900 WAMLS
• 2014-03-19 Sold (Public Records) $71,000 Public Records
• 2014-03-18 Sold (MLS) $70,000 WAMLS
• 2013-08-28 Listed $79,900 WAMLS

Property tax history

-3.0%/yr

Latest (2025): $420 · +17.9% YoY. Source: county tax records.