3719 Mcclellan Ave · Brighton, AL 35020

$44,500

2 bd · 1.0 ba · 777 sqft · SingleFamily public records · 41 Days on market

Built 1948 7,405 sqft lot $57/sqft · 27% below area Est $61k · 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +2.7/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Rent growth +1.7/5.0
• Appreciation +0.0/10.0

Listing remarks

Investment opportunity with tenant already in place! This 2 bedroom, 1 bathroom home features a living room that flows into the dining room and kitchen. The kitchen includes solid wood cabinetry with abundant storage, an electric stove, and convenient access to the laundry room. Two generously sized bedrooms share a full bath with tub/shower combination. Large & covered front porch. Outside, you'll find a large detached 1 car garage with additional covered carport parking. Great potential for investors looking to add to their portfolio!

Key facts

• Solid wood cabinetry
• Abundant storage
• Detached garage

Tags

• SOLID WOOD CABINETRY
• ABUNDANT STORAGE
• LARGE COVERED FRONT PORCH
• DETACHED GARAGE
• COVERED CARPORT PARKING

🏷️ Possibly a rental listed for sale. The $44,500 price doesn't fit this home's estimated sale value (~$60,895) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $44k.

Deal economics

• At list price, monthly cash flow is $537 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $44k).
• Recommended offer: $43k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 54/100 on livability (#459 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing B; Watch: schools F, 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.
• Market conditions: Rents falling (-3.1%/yr); 115 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 57% 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 36% 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 $308 of loan paydown is wiped out by about $1k 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $12k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($43k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y ago; this cycle's ask has dropped $14k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $25k; list at $44k implies a 78% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 6→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $43,165 (3.0% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1948 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 2.40% ✓
• Cap rate: 20.79%
• Cash-on-cash: 51.76%
• DSCR: 3.30
• GRM: 3.5

CMA / ARV

• ARV (median comp): $60,895
• List price: $44,500
• Delta: -26.92%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
602 8th Ave	0.75mi	2/1.0	750 (-4%)	0mo	$18,000	$24	59

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: 46.2%
• Equity multiple: 2.92×
• Total profit: $23,901
• Equity at exit: $6,635

10-year hold

• IRR: 50.7%
• Equity multiple: 5.24×
• Total profit: $52,843
• Equity at exit: $3,848

Cash invested: $12,460 (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: 3.5×

Monthly cashflow live

• Estimated rent: $1,069 high
• Mortgage (P&I): −$233
• Tax from tax record: −$56 /mo · $666/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$225
• Net cashflow: $537

Break-even live

Break-even rent $389

Max offer price $44,500

Occupancy floor 45%

Sensitivity live

Price	-10% $563	-5% $550	+0% $537	+5% $525	+10% $512
Rent	-10% $453	-5% $495	+0% $537	+5% $580	+10% $622
Rate	-1.0pp $560	-0.5pp $549	base $537	+0.5pp $526	+1.0pp $514

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: $11,125
• Closing costs: $1,335
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
605 10th Ave Birmingham, AL	3.0	1.0	1060	$850	$0.80	44d	1	0.68mi
4506 Letson St Brighton, AL	3.0	2.0	1032	$1,200	$1.16	24d	1	0.70mi
200 Woodward Dr Bessemer, AL	3.0	1.0	900	$1,123	$1.25	2d	1	1.00mi
216 Pine St Bessemer, AL	3.0	2.0	1000	$1,200	$1.20	44d	1	1.12mi
1565 Miles St Dolomite, AL	3.0	2.0	1120	$1,175	$1.05	16d	1	1.13mi
36 Wilkes Cir Birmingham, AL	2.0	1.0	762	$875	$1.15	44d	1	1.13mi
925 Woodward Rd Birmingham, AL	2.0	2.0	1104	$950	$0.86	44d	1	1.48mi

Listing history 21 events

1. 2026-06-03
   days on market $44,500 Active 41 DOM
2. 2026-06-02
   days on market $44,500 Active 40 DOM
3. 2026-06-01
   days on market $44,500 Active 39 DOM
4. 2026-05-31
   days on market $44,500 Active 38 DOM
5. 2026-05-18
   status Active 548-char remark
6. 2026-05-11
   historical Contingent 548-char remark
7. 2026-05-01
   price $49,000 548-char remark
8. 2026-04-23
   listed $53,000 Active 548-char remark
9. 2023-03-15
   price $49,999
10. 2023-03-08
    price $52,500
11. 2021-10-21
    soldstatus $25,000 Sold
12. 2021-10-12
    historical
13. 2021-09-29
    status Active
14. 2021-09-16
    historical Contingent
15. 2021-09-08
    price $38,000
16. 2021-08-07
    price $45,500
17. 2021-06-29
    price $49,500
18. 2021-06-15
    listed $58,000 Active
19. 2020-12-31
    soldstatus $15,000 Sold
20. 2020-12-29
    status Pending
21. 2020-12-07
    listed $25,000 Active

ⓘ 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: $666 · $56/mo
• Projected year-2 tax: $666 · $56/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 3/10 Moderate
• 🌡 Heat 6/10 Major 6 d/yr ≥108°F today · 15 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: $12,834
• − Mortgage interest: −$2,493
• − Property taxes: −$666
• − Insurance: −$222
• − Repairs & maintenance: −$1,027
• − Management: −$1,027
• − Depreciation: −$1,295
• Taxable income: $6,104
• Est. tax owed @ 24.0%: −$1,465
• After-tax cash flow: $4,984/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 — Brighton

• Score: 54/100
• State rank: #459
• US rank: #23847

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brighton, AL
• County: Jefferson County · 527,445 people
• 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

+78.0% since first listed

15 events — show timeline

• 2026-05-27 Price Changed $44,500 Greater Alabama MLS
• 2026-05-01 Price Changed $49,000 Greater Alabama MLS
• 2023-03-15 Price Changed $49,999 Greater Alabama MLS
• 2023-03-08 Price Changed $52,500 Greater Alabama MLS
• 2021-10-21 Sold (MLS) $25,000 Greater Alabama MLS
• 2021-10-12 Delisted — Greater Alabama MLS
• 2021-09-29 Relisted — Greater Alabama MLS
• 2021-09-16 Contingent — Greater Alabama MLS
• 2021-09-08 Price Changed $38,000 Greater Alabama MLS
• 2021-08-07 Price Changed $45,500 Greater Alabama MLS
• 2021-06-29 Price Changed $49,500 Greater Alabama MLS
• 2021-06-15 Listed $58,000 Greater Alabama MLS
• 2020-12-31 Sold (MLS) $15,000 Greater Alabama MLS
• 2020-12-29 Pending — Greater Alabama MLS
• 2020-12-07 Listed $25,000 Greater Alabama MLS

Property tax history

+0.0%/yr

Latest (2025): $666 · +0.0% YoY. Source: county tax records.