700 Twin Ridge Dr · Bessemer, AL 35020

$104,900

2 bd · 2.0 ba · 1,998 sqft · SingleFamily public records · 8 Days on market

Built 1963 0.40 ac lot

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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 +21.4/30.0
• ARV discount +7.5/15.0
• DSCR +6.8/10.0
• 1% rule +5.6/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.7/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 700 Twin Ridge Dr! This charming 3-bedroom, 2-bath home offers comfortable living with a spacious layout, finished basement, and plenty of natural light. Enjoy a large lot perfect for outdoor activities, plus a patio ideal for relaxing or entertaining. Conveniently located near shopping, dining, and major highways, this property combines suburban peace with easy access to nearby areas. A great opportunity for homeowners or investors—schedule your showing today!

Key facts

• Large lot
• Finished basement
• Patio

Tags

• FINISHED BASEMENT
• LARGE LOT
• PATIO
• CONVENIENTLY LOCATED

Property features AI

Finance

• Other: Approximately 0.4 acre lot; Not in a flood plain

Exterior

• Parking: Driveway parking
• Utilities: Public water; Water heater: gas and electric options; Internet service availability: unknown
• Home design: 4-side brick construction; Existing (previously built)
• Construction: 4-side brick exterior; Basement foundation
• Exterior features: Open patio

Interior

• Kitchen: Solid surface countertops; Built-in dishwasher; Electric stove; Refrigerator
• Bedrooms: Master bedroom on main level; Two additional bedrooms on main level; Bonus room in basement
• Flooring: Carpet; Tile; Vinyl
• Bathrooms: Two full bathrooms; Tub/shower combo
• Heating & cooling: Central heating; Central electric cooling
• Interior features: Tri-level: No; Split level: No; Split foyer: No; Ceilings: Other (see remarks); Finished full basement (concrete block); Basement fully finished; Has laundry
• Laundry & utility: Laundry room on main level; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $156 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Cap rate 8.1% vs local median 5.9% in Bessemer — 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 59/100 on livability (#331 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A; Watch: crime F, amenities F, employment F.
• Bessemer City (suburban): math 3% / reading 19% proficiency, ranked #120 of 129 in AL (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 87% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Westhills Elementary School (math 8% / reading 27%, grade F, #486 of 627 statewide, top 79%, 315 students, 75% FRL); Bessemer City High School (math 2% / reading 8%, grade F, #276 of 305 statewide, top 95%, 850 students, 61% FRL) — zoned schools average 68% FRL vs 87% district-wide (19 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents falling (-3.1%/yr); 115 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 38% of the median local income ($35k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $725 of loan paydown is wiped out by about $3k 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

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 36% 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 $104,900

Questions for the listing agent

1. Built in 1963 — 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 D-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. 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?
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: 1.06% ✓
• Cap rate: 8.07%
• Cash-on-cash: 6.35%
• DSCR: 1.28
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $211,788
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
109 Waverly Cir	0.36mi	3/2.0 (+1)	1,923 (-4%)	6mo	$285,000	$148	67
105 Woodland Rd	0.36mi	3/2.5 (+1)	2,181 (+9%)	10mo	$231,500	$106	53
107 Hillside Rd	0.44mi	3/2.5 (+1)	1,800 (-10%)	6mo	$167,000	$93	51
1052 Gloria Dr	0.53mi	3/2.0 (+1)	1,915 (-4%)	19mo	$220,000	$115	48
200 Center St	0.67mi	3/1.5 (+1)	1,826 (-9%)	4mo	$99,000	$54	44
1055 Barclay Dr	0.55mi	3/2.0 (+1)	2,233 (+12%)	7mo	$255,000	$114	44
445 Oak St	0.73mi	2/1.0	2,256 (+13%)	10mo	$131,000	$58	32
432 Oak St SW	0.75mi	3/1.0 (+1)	2,262 (+13%)	13mo	$147,000	$65	23

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -9.9%
• Equity multiple: 0.65×
• Total profit: $-10,340
• Equity at exit: $15,641

10-year hold

• IRR: -5.3%
• Equity multiple: 0.70×
• Total profit: $-8,798
• Equity at exit: $9,070

Cash invested: $29,372 (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 35020

• Home prices YoY: -24.2%
• Rents YoY: -3.1%
• Active inventory: 115
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,114 high
• Mortgage (P&I): −$550
• Tax from tax record: −$131 /mo · $1,569/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$234
• Net cashflow: $156

Break-even live

Break-even rent $917

Max offer price $104,900

Occupancy floor 81%

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: $26,225
• Closing costs: $3,147
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18 Center St Bessemer, AL	3.0	1.0	1418	$1,100	$0.78	43d	1	0.60mi
200 Center St Bessemer, AL	3.0	1.5	1826	$1,200	$0.66	10d	1	0.69mi
306 W Lake Cir SW Bessemer, AL	1.0–3.0	1.0–2.0	1004	$1,089	$1.08	1d	1	0.69mi
236 Clifton St Bessemer, AL	3.0	1.0	1450	$1,100	$0.76	43d	1	0.94mi
704 Avenue I Bessemer, AL	3.0	1.0	1232	$1,200	$0.97	23d	1	1.27mi
320 16th St S Bessemer, AL	3.0	1.5	1792	$950	$0.53	43d	1	1.45mi
2028 13th St N Bessemer, AL	3.0	2.0	1372	$1,073	$0.78	23d	1	1.47mi

Listing history 11 events

1. 2026-06-07
   statusdays on market $104,900 Pending 8 DOM
2. 2026-06-05
   days on market $104,900 Active 7 DOM
3. 2026-06-03
   days on market $104,900 Active 6 DOM
4. 2026-06-02
   days on market $104,900 Active 5 DOM
5. 2026-06-01
   days on market $104,900 Active 4 DOM
6. 2026-05-31
   days on market $104,900 Active 3 DOM
7. 2026-05-28
   listed $104,900 Active
8. 2024-03-11
   soldstatus $404,410,000
9. 2017-01-13
   soldstatus $641,500
10. 2017-01-13
    soldstatus $5,001,000
11. 2016-09-01
    soldstatus $79,000

ⓘ 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: $1,569 · $131/mo
• Projected year-2 tax: $1,569 · $131/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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 36% 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: $13,369
• − Mortgage interest: −$5,876
• − Property taxes: −$1,569
• − Insurance: −$524
• − Repairs & maintenance: −$1,070
• − Management: −$1,070
• − Depreciation: −$3,052
• Taxable income: $209
• Est. tax owed @ 24.0%: −$50
• After-tax cash flow: $1,816/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: Bessemer City
• NCES district ID: 0100330
• Math proficiency: 3% ▼ -18.00%
• Reading proficiency: 19% ▼ -3.00%
• Median HH income: $29,721
• Composite: 8.45/100
• National rank: #9905
• State rank: #120 of 129 in AL

Livability — Bessemer

• Score: 59/100
• State rank: #331
• US rank: #20078

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bessemer, AL
• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 24,892
• Household income: $35,362
• Rent vs Own: 40.6% rent · 59.4% own
• Severe rent burden: 1001.0

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: Predominantly Black (74%)
• Race & ethnicity: Black 74% Hispanic / Latino 13% White 11% Two or more races 6%
• Hispanic origin (detail): Mexican 10%
• Foreign-born: 5% · Canada
• Languages at home: 89% English-only · Spanish 11%

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: ▼ -57.54%
• Current HPI: 179.7702
• Rent YoY: ▼ -3.12%
• 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

+32.8% since first listed

5 events — show timeline

• 2026-05-28 Listed $104,900 Greater Alabama MLS
• 2024-03-11 Sold (Public Records) $404,410,000 Public Records
• 2017-01-13 Sold (Public Records) $5,001,000 Public Records
• 2017-01-13 Sold (Public Records) $641,500 Public Records
• 2016-09-01 Sold (Public Records) $79,000 Public Records

Property tax history

+8.5%/yr

Latest (2025): $1,569 · +0.0% YoY. Source: county tax records.