3100 Taylor Cir · Tuscaloosa, AL 35401

$130,900

4 bd · 2.0 ba · 1,440 sqft · SingleFamily public records · 720 Days on market

Built 1945 4,356 sqft lot $91/sqft · 27% below area Est $180k · 27% under

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• Rent growth +4.1/5.0
• Livability +3.9/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

Key facts

• Luxury flooring
• Carport
• Recently renovated

Tags

• RECENTLY RENOVATED
• GRANITE COUNTERS
• LUXURY FLOORING
• CARPORT

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $131k.

Deal economics

• At list price, monthly cash flow is $637 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $131k).
• Recommended offer: $115k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.1% 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 City (urban): math 19% / reading 40% proficiency, ranked #74 of 129 in AL (top 57%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+6.3%/yr); 306 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 622 units permitted in Tuscaloosa County in 2024 (69 in 5+ unit buildings).
• At $1,822/mo this rent would consume 75% of the median local household income ($29k/yr) (locally 3997% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $905 of loan paydown is wiped out by about $4k 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 + 6.3% rent growth), your $37k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 720 days — a 12% lower offer ($115k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask is 10808% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 60% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $115,192 (12.0% below list)

Questions for the listing agent

1. It's been on market 720 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1945 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.39% ✓
• Cap rate: 12.13%
• Cash-on-cash: 20.84%
• DSCR: 1.93
• GRM: 6.0

CMA / ARV

• ARV (median comp): $180,442
• List price: $130,900
• Delta: -27.46%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6616 36th St	0.36mi	3/1.5 (-1)	1,472 (+2%)	6mo	$190,000	$129	67
3517 66th Ave	0.30mi	4/2.0	1,494 (+4%)	20mo	$191,500	$128	63
3216 Culver Rd	0.53mi	3/2.0 (-1)	1,521 (+6%)	5mo	$70,000	$46	57
3820 64th Ave	0.50mi	3/2.0 (-1)	1,450 (+1%)	20mo	$158,000	$109	54
3219 Westlee Dr	0.59mi	3/2.0 (-1)	1,572 (+9%)	6mo	$155,000	$99	47
3909 68th Ave	0.58mi	3/1.5 (-1)	1,375 (-4%)	19mo	$189,900	$138	42
4894 Virginia Cir	0.73mi	3/2.0 (-1)	1,350 (-6%)	12mo	$157,000	$116	40
3000 52nd Ct	0.50mi	3/2.0 (-1)	1,600 (+11%)	16mo	$217,500	$136	40
5006 Virginia Cir	0.73mi	3/1.0 (-1)	1,248 (-13%)	2mo	$164,000	$131	32
3309 Westlee Dr	0.63mi	3/2.0 (-1)	1,224 (-15%)	11mo	$189,900	$155	32

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 · 6.29% rent growth · sell at horizon

5-year hold

• IRR: 16.6%
• Equity multiple: 1.70×
• Total profit: $25,528
• Equity at exit: $19,518

10-year hold

• IRR: 27.3%
• Equity multiple: 3.77×
• Total profit: $101,653
• Equity at exit: $11,318

Cash invested: $36,652 (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 35401

• Rents YoY: 6.3%
• Active inventory: 306
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,822 medium
• Mortgage (P&I): −$686
• Tax from tax record: −$62 /mo · $744/yr
• Insurance: −$55
• HOA: −$0
• Vacancy / Maint / Mgmt: −$383
• Net cashflow: $637

Break-even live

Break-even rent $1,016

Max offer price $130,900

Occupancy floor 60%

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: $32,725
• Closing costs: $3,927
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5022 Virginia Cir Tuscaloosa, AL	3.0	1.5	1161	$1,350	$1.16	43d	1	0.70mi
4416 Tari St Tuscaloosa, AL	3.0	2.0	1259	$1,700	$1.35	13d	1	1.38mi
3499 Joyce Lewis Ave Tuscaloosa, AL	3.0	2.0	1340	$1,700	$1.27	21d	1	1.38mi
4342 Tari St Tuscaloosa, AL	3.0	2.0	1340	$1,750	$1.31	43d	1	1.44mi

Listing history 32 events

1. 2026-06-18
   days on market $130,900 Active 720 DOM
2. 2026-06-17
   days on market $130,900 Active 719 DOM
3. 2026-06-16
   days on market $130,900 Active 718 DOM
4. 2026-06-15
   days on market $130,900 Active 717 DOM
5. 2026-06-14
   days on market $130,900 Active 715 DOM
6. 2026-06-13
   days on market $130,900 Active 714 DOM
7. 2026-06-10
   days on market $130,900 Active 712 DOM
8. 2026-06-09
   days on market $130,900 Active 711 DOM
9. 2026-06-08
   days on market $130,900 Active 710 DOM
10. 2026-06-07
    days on market $130,900 Active 709 DOM
11. 2026-06-05
    days on market $130,900 Active 706 DOM
12. 2026-06-03
    days on market $130,900 Active 705 DOM
13. 2026-06-02
    days on market $130,900 Active 704 DOM
14. 2026-06-01
    days on market $130,900 Active 703 DOM
15. 2026-05-31
    days on market $130,900 Active 702 DOM
16. 2026-05-30
    days on market $130,900 Active 701 DOM
17. 2026-04-20
    historical $1,200
18. 2026-03-11
    listed $1,200
19. 2026-02-25
    price $130,900 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

20. 2025-08-28
    price $135,900 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

21. 2025-08-19
    price $137,900 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

22. 2025-03-19
    price $139,900 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

23. 2025-01-27
    price $140,000 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

24. 2024-08-14
    price $130,000 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

25. 2024-07-14
    price $140,000 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

26. 2024-06-30
    price $150,000 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

27. 2024-06-24
    listed $130,000 Active 215-char remark

    Show marketing remark (215 chars)

    Attention Investors!!! Check out this property in Tuscaloosa with 4 beds, 2 baths, renovated with granite counters, luxury flooring throughout, and a carport! Currently rented for $1200. Lease runs through 4/30/2028

28. 2022-01-04
    soldstatus $130,000
29. 2021-12-06
    soldstatus $291,000
30. 2021-09-28
    soldstatus $31,000 157-char remark

    Show marketing remark (157 chars)

    Corner Lot-Great opportunity for investors or first time home buyers. "SOLD AS IS" convenient drive to Stillman College and University of Alabama.

31. 2021-07-23
    listed $45,000 157-char remark

    Show marketing remark (157 chars)

    Corner Lot-Great opportunity for investors or first time home buyers. "SOLD AS IS" convenient drive to Stillman College and University of Alabama.

32. 2020-07-14
    soldstatus $19,000

ⓘ 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: $744 · $62/mo
• Projected year-2 tax: $744 · $62/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 2/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 60% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,867
• − Mortgage interest: −$7,332
• − Property taxes: −$744
• − Insurance: −$654
• − Repairs & maintenance: −$1,749
• − Management: −$1,749
• − Depreciation: −$3,808
• Taxable income: $5,829
• Est. tax owed @ 24.0%: −$1,399
• After-tax cash flow: $6,240/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 City
• NCES district ID: 0103360
• Math proficiency: 19% ▼ -24.00%
• Reading proficiency: 40% ▼ -1.00%
• Median HH income: $37,474
• Composite: 24.51/100
• National rank: #7647
• State rank: #74 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

• Census place: Tuscaloosa, AL
• County: Tuscaloosa County · 206,491 people
• City population: 134,228
• Metro: Tuscaloosa, AL
• Population (ZIP): 43,459
• Household income: $29,152
• Rent vs Own: 73.0% rent · 27.0% own
• Severe rent burden: 3997.0

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: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: Black 47% White 44% Hispanic / Latino 5% Two or more races 4% Asian 2%
• Common ancestry: Slovak 2% Italian 1% Romanian 1%
• Foreign-born: 3% · Canada, China
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1% Chinese 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: ▼ -191.40%
• Current HPI: 179.8335
• Rent YoY: ▲ 6.29%
• 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

-93.7% since first listed

16 events — show timeline

• 2026-04-20 Rental Removed $1,200 SHOWMOJO
• 2026-03-11 Listed for Rent $1,200 SHOWMOJO
• 2026-02-25 Price Changed $130,900 WAMLS
• 2025-08-28 Price Changed $135,900 WAMLS
• 2025-08-19 Price Changed $137,900 WAMLS
• 2025-03-19 Price Changed $139,900 WAMLS
• 2025-01-27 Price Changed $140,000 WAMLS
• 2024-08-14 Price Changed $130,000 WAMLS
• 2024-07-14 Price Changed $140,000 WAMLS
• 2024-06-30 Price Changed $150,000 WAMLS
• 2024-06-24 Listed $130,000 WAMLS
• 2022-01-04 Sold (Public Records) $130,000 Public Records
• 2021-12-06 Sold (Public Records) $291,000 Public Records
• 2021-09-28 Sold (MLS) $31,000 WAMLS
• 2021-07-23 Listed $45,000 WAMLS
• 2020-07-14 Sold (Public Records) $19,000 Public Records

Property tax history

+4.1%/yr

Latest (2025): $744 · +7.0% YoY. Source: county tax records.