2519 Rose Dr · Gardendale, AL 35116

$135,000

3 bd · 1.0 ba · 1,392 sqft · Manufactured public records · 26 Days on market

Built 1971 0.37 ac lot

---

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).

• Cash flow +17.0/30.0
• ARV discount +7.5/15.0
• DSCR +5.3/10.0
• 1% rule +4.0/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Great opportunity for homeowners or investors!! This cute 3-bedroom, 2-bath home nestled on a nice-sized lot. This home features a cozy fireplace, attached garage, and plenty of space to relax and enjoy. Conveniently located near shopping, dining, and schools, this property offers a great opportunity to add your persoal touch and make it feel like home.

Key facts

• Attached garage
• Nice-sized lot
• 0.37 acre lot

Tags

• ATTACHED GARAGE
• NICE-SIZED LOT

Property features AI

Finance

• Other: Approximately 0.37 acres lot size; Subdivision: Woodhaven Estates

Exterior

• Parking: Attached garage with front entry; Driveway and off-street parking; One garage space (main level)
• Utilities: Public water; Septic system; Gas water heater; Internet availability unknown
• Home design: Vinyl siding construction; Crawl space foundation; Existing (not new) year built status; No pool; Not waterfront
• Construction: Vinyl siding; Crawl space foundation; Open deck
• Exterior features: Fenced yard; Open deck

Interior

• Kitchen: Refrigerator; Electric stove
• Bedrooms: Multiple bedrooms on main level, including a master bedroom (all bedrooms on level 1)
• Flooring: Carpet; Hardwood laminate; Tile flooring
• Bathrooms: Two full bathrooms; Bathrooms with tub/shower combos
• Heating & cooling: Central heating (electric); Central cooling (electric)
• Interior features: Smooth ceilings; One gas fireplace with blower fan in the living room; Laminate countertops in the kitchen; Breakfast bar, eating area and pantry in the kitchen; No additional interior built-in features listed
• Laundry & utility: Main-level laundry room; Washer hookup and electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath manufactured listed at $135k.

Deal economics

• At list price, monthly cash flow is $91 ($1k/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 $121k (10.3% below list).
• Recommended offer: $121k (10.3% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 5.5% in Gardendale — 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 66/100 on livability (#113 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment 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.
• Zoned schools: Bryant Park Elementary (math 13% / reading 38%, grade F, #411 of 627 statewide, top 66%, 708 students, 62% FRL); North Jefferson Middle School (math 13% / reading 45%, grade F, #134 of 257 statewide, top 53%, 666 students, 52% FRL); Mortimer Jordan High School (math 23% / reading 27%, grade F, #114 of 305 statewide, top 38%, 861 students, 45% FRL) — zoned schools at 53% FRL track the district average.
• Market conditions: 49 active listings in the ZIP; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($133k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $62k; list at $135k implies a 118% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; major wind risk, 27% 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 $121,123 (10.3% below list)

Questions for the listing agent

1. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.90% ✗
• Cap rate: 7.10%
• Cash-on-cash: 2.89%
• DSCR: 1.13
• GRM: 9.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -11.8%
• Equity multiple: 0.57×
• Total profit: $-16,105
• Equity at exit: $20,129

10-year hold

• IRR: -2.6%
• Equity multiple: 0.82×
• Total profit: $-6,657
• Equity at exit: $11,672

Cash invested: $37,800 (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 35116

• Home prices YoY: -19.0%
• Active inventory: 49
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,211 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$102 /mo · $1,220/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $91

Break-even live

Break-even rent $1,096

Max offer price $135,000

Occupancy floor 87%

Sensitivity live

Price	-10% $167	-5% $129	+0% $91	+5% $53	+10% $15
Rent	-10% $-5	-5% $43	+0% $91	+5% $139	+10% $187
Rate	-1.0pp $159	-0.5pp $125	base $91	+0.5pp $56	+1.0pp $20

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Listing history 16 events

1. 2026-06-22
   days on market $135,000 Active 26 DOM
2. 2026-06-18
   days on market $135,000 Active 23 DOM
3. 2026-06-17
   days on market $135,000 Active 22 DOM
4. 2026-06-16
   days on market $135,000 Active 21 DOM
5. 2026-06-15
   days on market $135,000 Active 20 DOM
6. 2026-06-13
   days on market $135,000 Active 18 DOM
7. 2026-06-10
   days on market $135,000 Active 15 DOM
8. 2026-06-09
   days on market $135,000 Active 14 DOM
9. 2026-06-08
   days on market $135,000 Active 13 DOM
10. 2026-06-07
    days on market $135,000 Active 12 DOM
11. 2026-06-03
    days on market $135,000 Active 8 DOM
12. 2026-06-02
    days on market $135,000 Active 7 DOM
13. 2026-06-01
    days on market $135,000 Active 6 DOM
14. 2026-05-31
    days on market $135,000 Active 5 DOM
15. 2026-05-26
    listed $135,000 Active
16. 2021-12-22
    soldstatus $62,000

ⓘ 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: $1,220 · $102/mo
• Projected year-2 tax: $1,220 · $102/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 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,535
• − Mortgage interest: −$7,562
• − Property taxes: −$1,220
• − Insurance: −$675
• − Repairs & maintenance: −$1,163
• − Management: −$1,163
• − Depreciation: −$3,927
• Taxable loss: −$1,176
• Est. tax savings @ 24.0%: +$282
• After-tax cash flow: $1,374/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 — Gardendale

• Score: 66/100
• State rank: #113
• US rank: #12225

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 17,288
• Population (ZIP): 4,912

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 (93%)
• Race & ethnicity: White 93% Two or more races 4% Black 3% Hispanic / Latino 1%
• Common ancestry: Slovak 4% Serbian 1% Lithuanian 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 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: ▼ -50.19%
• Current HPI: 214.0163
• 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

+117.7% since first listed

2 events — show timeline

• 2026-05-26 Listed $135,000 Greater Alabama MLS
• 2021-12-22 Sold (Public Records) $62,000 Public Records

Property tax history

+30.3%/yr

Latest (2025): $1,220 · +0.0% YoY. Source: county tax records.