1751 Bradford Ln · Bessemer, AL 35022

$260,000

3 bd · 2.0 ba · 1,474 sqft · SingleFamily public records · 45 Days on market

Built 1997 0.25 ac lot $176/sqft · at area comps Est $266k · at est. $13/mo HOA · 1% of rent

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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 +13.1/30.0
• ARV discount +8.5/15.0
• Rent growth +5.0/5.0
• DSCR +3.9/10.0
• Livability +3.0/5.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great neighborhood for investment property. Home needs renovation. I marked that is can go conventional but that will be up to buyers lender.

Key facts

• Move-in ready
• Fully renovated
• Renovated bathrooms

Tags

• FULLY RENOVATED
• BRAND-NEW ROOF
• HVAC SYSTEM
• UPDATED KITCHEN
• RENOVATED BATHROOMS
• MOVE-IN READY

Property features AI

Finance

• Other: Subdivision: Bradford Park
• HOA & community: Annual association fee of $150; HOA fees include common grounds maintenance

Exterior

• Parking: Front garage entry; 2-car garage (main level); Driveway parking
• Utilities: Public water; Septic sewer; Electric water heater; Underground utilities; Internet service availability unknown
• Home design: Existing construction; One-side brick and Hardiplank siding; Slab foundation
• Construction: 1-side brick and Hardiplank siding; Slab foundation
• Exterior features: Open patio; Garden/patio area; Pond on the property; Located in a subdivision; Not waterfront; No pool; Not in a flood plain

Interior

• Kitchen: Stone countertops; Built-in dishwasher; Electric stove; Pantry and butler's pantry
• Bedrooms: Master bedroom on main level; Additional bedrooms on main and upper levels; Walk-in closets; Bedrooms include linen closet access
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: Two full baths; Separate shower; Master bath on main level
• Heating & cooling: Central heating; Central cooling
• Interior features: Smooth ceilings; Tile and vinyl flooring; Brick gas fireplace in the family room; All window treatments remain; Pantry and butler's pantry; Pull-down attic
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup; Room-sized laundry space

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $-11 ($-131/yr) — negative.
• To cash-flow at today's rent, offer at most $258k (0.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $195k (25.2% below list).
• Recommended offer: $195k (25.2% below list) — sets the bar for 1% rule.

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.
• 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: Mcadory Elementary School (math 14% / reading 40%, grade F, #392 of 627 statewide, top 65%, 667 students, 61% FRL); Mcadory Middle School (math 2% / reading 33%, grade F, #199 of 257 statewide, top 77%, 854 students, 74% FRL); Mcadory High School (math 8% / reading 17%, grade F, #237 of 305 statewide, top 78%, 1,162 students, 72% FRL) — zoned schools average 69% FRL vs 49% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+14.8%/yr); 311 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 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 $2k of loan paydown is wiped out by about $8k 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 45 days — a 3% lower offer ($252k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.
• Current owner paid $167k; list at $260k implies a 56% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 50% 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 $194,545 (25.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.75% ✗
• Cap rate: 6.24%
• Cash-on-cash: -0.18%
• DSCR: 0.99
• GRM: 11.1

CMA / ARV

• ARV (median comp): $265,624
• List price: $260,000
• Delta: -2.12%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1837 Brandon Way	0.07mi	3/2.0	1,461 (-1%)	8mo	$239,900	$164	89
1705 Bradford Ln	0.15mi	3/2.0	1,499 (+2%)	2mo	$270,000	$180	88
4551 Rosser Loop Dr	0.22mi	3/2.0	1,386 (-6%)	4mo	$253,000	$183	76
4712 Rosser Loop Dr	0.43mi	3/2.0	1,469 (-0%)	7mo	$249,900	$170	73
4413 Wild Flower Cir	0.24mi	3/2.0	1,571 (+7%)	7mo	$244,900	$156	72
4542 Rosser Loop Dr	0.19mi	3/2.0	1,638 (+11%)	6mo	$275,000	$168	67
4501 Rosser Farms Pkwy	0.30mi	3/2.0	1,618 (+10%)	4mo	$299,900	$185	66
4762 Rosser Loop Dr	0.29mi	3/2.0	1,365 (-7%)	11mo	$260,000	$190	65
1671 Bradford Ln	0.34mi	3/2.0	1,591 (+8%)	7mo	$256,345	$161	65
5397 Summerset Way	0.56mi	3/2.0	1,560 (+6%)	4mo	$240,100	$154	61
4468 Rosser Farms Pkwy	0.33mi	3/2.0	1,618 (+10%)	10mo	$319,900	$198	60
4456 Rosser Farms Pkwy	0.45mi	3/2.0	1,618 (+10%)	4mo	$314,900	$195	60

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -11.9%
• Equity multiple: 0.55×
• Total profit: $-32,668
• Equity at exit: $38,767

10-year hold

• IRR: 2.7%
• Equity multiple: 1.23×
• Total profit: $16,952
• Equity at exit: $22,480

Cash invested: $72,800 (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 35022

• Home prices YoY: -20.2%
• Rents YoY: 14.8%
• Active inventory: 311
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $1,945 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$63 /mo · $756/yr
• Insurance: −$108
• HOA: −$13
• Vacancy / Maint / Mgmt: −$409
• Net cashflow: $-11

Break-even live

Break-even rent $1,959

Max offer price $258,075

Occupancy floor 96%

Sensitivity live

Price	-10% $136	-5% $63	+0% $-11	+5% $-84	+10% $-158
Rent	-10% $-165	-5% $-88	+0% $-11	+5% $66	+10% $143
Rate	-1.0pp $120	-0.5pp $55	base $-11	+0.5pp $-78	+1.0pp $-147

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: $65,000
• Closing costs: $7,800
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4737 Rosser Loop Dr Bessemer, AL	3.0	2.0	1638	$1,886	$1.15	3d	1	0.33mi
457 Flint Hill Rd Bessemer, AL	2.0	1.5	975	$860	$0.88	3d	3	0.94mi
5725 Riverbirch Dr Bessemer, AL	3.0	2.0	1620	$2,050	$1.27	3d	1	0.96mi
63 Carriage House Rd SW Bessemer, AL	3.0	2.0	1802	$1,780	$0.99	17d	1	1.15mi
505 Westchester Dr Bessemer, AL	4.0	2.0	1706	$1,850	$1.08	45d	1	1.16mi
600 Flint Hill Ln Bessemer, AL	2.0–3.0	2.0	1005	$1,099	$1.09	3d	7	1.46mi

HOA detail

• Monthly dues: $13 · $156/yr

Listing history 19 events

1. 2026-06-22
   days on market $260,000 Active 45 DOM
2. 2026-06-18
   days on market $260,000 Active 42 DOM
3. 2026-06-17
   days on market $260,000 Active 41 DOM
4. 2026-06-16
   pricedays on market $260,000 Active 40 DOM
5. 2026-06-15
   days on market $264,000 Active 39 DOM
6. 2026-06-13
   days on market $264,000 Active 37 DOM
7. 2026-06-10
   days on market $264,000 Active 34 DOM
8. 2026-06-09
   days on market $264,000 Active 33 DOM
9. 2026-06-08
   days on market $264,000 Active 32 DOM
10. 2026-06-07
    days on market $264,000 Active 31 DOM
11. 2026-06-03
    days on market $264,000 Active 27 DOM
12. 2026-06-02
    days on market $264,000 Active 26 DOM
13. 2026-06-01
    pricedays on market $264,000 Active 25 DOM
14. 2026-05-31
    days on market $269,000 Active 24 DOM
15. 2026-05-07
    listed $269,000 Active 326-char remark
16. 2026-02-10
    soldstatus $167,000
17. 2026-02-02
    soldstatus $167,000 Sold 141-char remark

    Show marketing remark (141 chars)

    Great neighborhood for investment property. Home needs renovation. I marked that is can go conventional but that will be up to buyers lender.

18. 2026-01-19
    status Pending 141-char remark

    Show marketing remark (141 chars)

    Great neighborhood for investment property. Home needs renovation. I marked that is can go conventional but that will be up to buyers lender.

19. 2026-01-12
    listed $175,000 Active 141-char remark

    Show marketing remark (141 chars)

    Great neighborhood for investment property. Home needs renovation. I marked that is can go conventional but that will be up to buyers lender.

ⓘ 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: $756 · $63/mo
• Projected year-2 tax: $1,066 · $89/mo
• Expected delta: +$310/yr (+$26/mo · 41.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 50% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,345
• − Mortgage interest: −$14,564
• − Property taxes: −$756
• − Insurance: −$1,300
• − Repairs & maintenance: −$1,868
• − Management: −$1,868
• − HOA: −$156
• − Depreciation: −$7,564
• Taxable loss: −$4,730
• Est. tax savings @ 24.0%: +$1,135
• After-tax cash flow: $1,004/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 — 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

• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 23,126
• Household income: $81,846
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 554.0

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: Black 53% White 41% Hispanic / Latino 3% Two or more races 2% Asian 1%
• Common ancestry: Italian 1% Slovak 1% Iranian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 96% English-only · Spanish 3% Chinese 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: ▼ -55.40%
• Current HPI: 219.3839
• Rent YoY: ▲ 14.80%
• 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

+48.6% since first listed

7 events — show timeline

• 2026-06-16 Price Changed $260,000 Greater Alabama MLS
• 2026-06-01 Price Changed $264,000 Greater Alabama MLS
• 2026-05-07 Listed $269,000 Greater Alabama MLS
• 2026-02-10 Sold (Public Records) $167,000 Public Records
• 2026-02-02 Sold (MLS) $167,000 Greater Alabama MLS
• 2026-01-19 Pending — Greater Alabama MLS
• 2026-01-12 Listed $175,000 Greater Alabama MLS