620 Cambridge Rd · Hueytown, AL 35023

$146,000

3 bd · 2.0 ba · 2,119 sqft · SingleFamily public records · 1 Days on market

Built 1964 0.38 ac lot Est $237k · 38% 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 +24.0/30.0
• ARV discount +15.0/15.0
• DSCR +7.7/10.0
• 1% rule +5.4/10.0
• Appreciation +4.7/10.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

Listing remarks MLS

Wonderful 6 bedroom 3 bath home with TONS of space, Bonus Room/Office, a finished basement, main level Living Room, Dining Room and Laundry! Spacious fenced backyard great for hanging out or watching the kids or fur babies play. Downstairs has 2 Bedrooms, a Media Room and a Full Bath and could be a great man-cave, play area, inlaw suite or even rented out! Ask for details on special lender 100% financing with no PMI, making this home very affordable! New Hot Water Heater (2023) and main level HVAC (2018). Convenient to everything! 5 minutes to Publix grocery store, Walmart Supercenter, PARKS, restaurants, shopping or the interstate. 2 minutes to Hueytown Elem, Middle or Intermediate! 8 minutes to Hueytown High. 15 minutes to the river. Convenient to Birmingham, McCalla, Homewood, Tuscaloosa.

Key facts

• 0.38 acre lot
• Built 1964

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $146k.

Deal economics

• At list price, monthly cash flow is $285 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $146k).
• Cap rate 8.6% vs local median 5.9% in Hueytown — 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 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities 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: Hueytown Primary School (653 students, 64% FRL); Hueytown High School (math 7% / reading 20%, grade F, #235 of 305 statewide, top 77%, 1,210 students, 79% FRL) — zoned schools average 72% FRL vs 49% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 250 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $133 of equity ($1k loan paydown + $-876 appreciation (-0.6% 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 (-0.6% appreciation + 1.6% rent growth), your $41k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 3y 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% 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 $146,000

Questions for the listing agent

1. Built in 1964 — 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. 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?
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: 1.04% ✓
• Cap rate: 8.64%
• Cash-on-cash: 8.37%
• DSCR: 1.37
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $237,328
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
317 Wickstead Rd	0.22mi	3/2.0	2,060 (-3%)	3mo	$155,000	$75	83
632 Sunrise Blvd	0.31mi	4/3.0 (+1)	2,069 (-2%)	2mo	$231,958	$112	71
610 Parsons Dr	0.17mi	4/3.0 (+1)	2,164 (+2%)	11mo	$243,000	$112	70
631 Wright Ave	0.25mi	4/2.5 (+1)	2,134 (+1%)	14mo	$230,000	$108	68
307 Sunrise Blvd	0.39mi	4/1.0 (+1)	2,072 (-2%)	4mo	$143,000	$69	66
320 South Pkwy	0.39mi	3/2.5	2,241 (+6%)	9mo	$255,000	$114	63
342 Scotland Dr	0.58mi	3/2.0	2,022 (-5%)	13mo	$297,500	$147	55
216 Holly St	0.39mi	4/2.0 (+1)	1,846 (-13%)	3mo	$190,000	$103	52
201 Highland Dr	0.55mi	3/2.0	1,952 (-8%)	15mo	$235,000	$120	49
1244 Hueytown Rd	0.63mi	3/2.0	2,344 (+11%)	19mo	$90,000	$38	37
169 Mabelon Dr	0.74mi	4/2.0 (+1)	2,222 (+5%)	22mo	$185,000	$83	35
112 Lindberg Rd	0.68mi	3/2.5	1,832 (-14%)	12mo	$205,000	$112	33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold

• IRR: 4.2%
• Equity multiple: 1.19×
• Total profit: $7,661
• Equity at exit: $38,066

10-year hold

• IRR: 9.1%
• Equity multiple: 1.88×
• Total profit: $36,140
• Equity at exit: $42,432

Cash invested: $40,880 (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 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 250
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,526 high
• Mortgage (P&I): −$766
• Tax from tax record: −$94 /mo · $1,125/yr
• Insurance: −$61
• HOA: −$0
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $285

Break-even live

Break-even rent $1,165

Max offer price $146,000

Occupancy floor 76%

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: $36,500
• Closing costs: $4,380
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
216 Meadowood Ave Bessemer, AL	3.0	1.0	1430	$1,250	$0.87	3d	1	0.57mi
123 Westbrook Rd Bessemer, AL	3.0	2.0	1427	$1,275	$0.89	44d	1	0.59mi
106 Lindberg Rd Bessemer, AL	3.0	2.0	1554	$1,385	$0.89	21d	1	0.70mi
3201 Circle Dr Bessemer, AL	3.0	2.0	1531	$1,750	$1.14	1d	1	1.06mi
1983 Townhouse Ln Bessemer, AL	2.0	2.0	1465	$1,100	$0.75	16d	1	1.10mi
531 Tinker St Bessemer, AL	3.0	2.0	1766	$2,450	$1.39	10d	1	1.14mi
2825 19th St N Bessemer, AL	3.0	1.5	1991	$1,395	$0.70	44d	1	1.34mi

Listing history 11 events

1. 2026-03-25
   status Pending
2. 2026-03-25
   status Active
3. 2026-01-06
   listed $146,000
4. 2023-06-29
   soldstatus $275,000 Sold 807-char remark

   Show marketing remark (807 chars)

   Wonderful 6 bedroom 3 bath home with TONS of space, Bonus Room/Office, a finished basement, main level Living Room, Dining Room and Laundry! Spacious fenced backyard great for hanging out or watching the kids or fur babies play. Downstairs has 2 Bedrooms, a Media Room and a Full Bath and could be a great man-cave, play area, inlaw suite or even rented out! Ask for details on special lender 100% financing with no PMI, making this home very affordable! New Hot Water Heater (2023) and main level HVAC (2018). Convenient to everything! 5 minutes to Publix grocery store, Walmart Supercenter, PARKS, restaurants, shopping or the interstate. 2 minutes to Hueytown Elem, Middle or Intermediate! 8 minutes to Hueytown High. 15 minutes to the river. Convenient to Birmingham, McCalla, Homewood, Tuscaloosa.

5. 2023-06-29
   soldstatus $275,000

   Show marketing remark (807 chars)

   Wonderful 6 bedroom 3 bath home with TONS of space, Bonus Room/Office, a finished basement, main level Living Room, Dining Room and Laundry! Spacious fenced backyard great for hanging out or watching the kids or fur babies play. Downstairs has 2 Bedrooms, a Media Room and a Full Bath and could be a great man-cave, play area, inlaw suite or even rented out! Ask for details on special lender 100% financing with no PMI, making this home very affordable! New Hot Water Heater (2023) and main level HVAC (2018). Convenient to everything! 5 minutes to Publix grocery store, Walmart Supercenter, PARKS, restaurants, shopping or the interstate. 2 minutes to Hueytown Elem, Middle or Intermediate! 8 minutes to Hueytown High. 15 minutes to the river. Convenient to Birmingham, McCalla, Homewood, Tuscaloosa.

6. 2023-06-02
   status Pending 807-char remark

   Show marketing remark (807 chars)

   Wonderful 6 bedroom 3 bath home with TONS of space, Bonus Room/Office, a finished basement, main level Living Room, Dining Room and Laundry! Spacious fenced backyard great for hanging out or watching the kids or fur babies play. Downstairs has 2 Bedrooms, a Media Room and a Full Bath and could be a great man-cave, play area, inlaw suite or even rented out! Ask for details on special lender 100% financing with no PMI, making this home very affordable! New Hot Water Heater (2023) and main level HVAC (2018). Convenient to everything! 5 minutes to Publix grocery store, Walmart Supercenter, PARKS, restaurants, shopping or the interstate. 2 minutes to Hueytown Elem, Middle or Intermediate! 8 minutes to Hueytown High. 15 minutes to the river. Convenient to Birmingham, McCalla, Homewood, Tuscaloosa.

7. 2023-05-23
   listed $279,900 Active 807-char remark

   Show marketing remark (807 chars)

   Wonderful 6 bedroom 3 bath home with TONS of space, Bonus Room/Office, a finished basement, main level Living Room, Dining Room and Laundry! Spacious fenced backyard great for hanging out or watching the kids or fur babies play. Downstairs has 2 Bedrooms, a Media Room and a Full Bath and could be a great man-cave, play area, inlaw suite or even rented out! Ask for details on special lender 100% financing with no PMI, making this home very affordable! New Hot Water Heater (2023) and main level HVAC (2018). Convenient to everything! 5 minutes to Publix grocery store, Walmart Supercenter, PARKS, restaurants, shopping or the interstate. 2 minutes to Hueytown Elem, Middle or Intermediate! 8 minutes to Hueytown High. 15 minutes to the river. Convenient to Birmingham, McCalla, Homewood, Tuscaloosa.

8. 2023-05-19
   historical $279,900 807-char remark

   Show marketing remark (807 chars)

   Wonderful 6 bedroom 3 bath home with TONS of space, Bonus Room/Office, a finished basement, main level Living Room, Dining Room and Laundry! Spacious fenced backyard great for hanging out or watching the kids or fur babies play. Downstairs has 2 Bedrooms, a Media Room and a Full Bath and could be a great man-cave, play area, inlaw suite or even rented out! Ask for details on special lender 100% financing with no PMI, making this home very affordable! New Hot Water Heater (2023) and main level HVAC (2018). Convenient to everything! 5 minutes to Publix grocery store, Walmart Supercenter, PARKS, restaurants, shopping or the interstate. 2 minutes to Hueytown Elem, Middle or Intermediate! 8 minutes to Hueytown High. 15 minutes to the river. Convenient to Birmingham, McCalla, Homewood, Tuscaloosa.

9. 2001-07-03
   soldstatus $97,500
10. 1986-05-28
    soldstatus $60,000
11. 1984-07-01
    soldstatus $57,000

ⓘ 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: $1,125 · $94/mo
• Projected year-2 tax: $1,125 · $94/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 6/10 Major 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,307
• − Mortgage interest: −$8,178
• − Property taxes: −$1,125
• − Insurance: −$730
• − Repairs & maintenance: −$1,465
• − Management: −$1,465
• − Depreciation: −$4,247
• Taxable income: $1,097
• Est. tax owed @ 24.0%: −$263
• After-tax cash flow: $3,156/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 — Hueytown

• Score: 57/100
• State rank: #378
• US rank: #21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hueytown, AL
• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 25,533
• Household income: $69,863
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 247.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 7%

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: ▼ -0.60%
• Current HPI: 389.38
• Rent YoY: ▲ 1.60%
• Metro: Birmingham-Hoover, 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

+156.1% since first listed

11 events — show timeline

• 2026-03-25 Pending — Greater Alabama MLS
• 2026-03-25 Relisted — Greater Alabama MLS
• 2026-01-06 Listed $146,000 Greater Alabama MLS
• 2023-06-29 Sold (Public Records) $275,000 Public Records
• 2023-06-29 Sold (MLS) $275,000 Greater Alabama MLS
• 2023-06-02 Pending — Greater Alabama MLS
• 2023-05-23 Listed $279,900 Greater Alabama MLS
• 2023-05-19 Coming Soon $279,900 Greater Alabama MLS
• 2001-07-03 Sold (Public Records) $97,500 Public Records
• 1986-05-28 Sold (Public Records) $60,000 Public Records
• 1984-07-01 Sold (Public Records) $57,000 Public Records

Property tax history

+4.5%/yr

Latest (2023): $1,125 · +17.9% YoY. Source: county tax records.