315 White Pine St · Trussville, AL 35173

$195,900

3 bd · 2.0 ba · 1,243 sqft · SingleFamily public records · 7 Days on market

Built 1963 0.90 ac lot Est $272k · 28% 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 +26.6/30.0
• ARV discount +15.0/15.0
• DSCR +9.1/10.0
• 1% rule +6.5/10.0
• Schools +5.5/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great opportunity for investment property or some TLC. 3 sided brick, Lr/Dr, kitchen with nice eat in area or den, 3 br's and 2 full baths on one level living. There is also an entrance to the kitchen from the carport. Basement has playroom and 1/2 bath. Detached garage, workshop, nice patio, large backyard.

Key facts

• Spacious kitchen
• Large lot
• Bonus room

Tags

• LARGE LOT
• SPACIOUS KITCHEN
• BONUS ROOM
• EXCELLENT STORAGE
• PEACEFUL SETTING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $196k.

Deal economics

• At list price, monthly cash flow is $524 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $196k).
• Cap rate 9.5% vs local median 3.4% in Trussville — 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 79/100 on livability (#7 in AL, #2,110 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: commute F.
• Trussville City (suburban): math 49% / reading 74% proficiency, ranked #5 of 129 in AL (top 4%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 7% free/reduced lunch — higher-income household profile.
• Zoned schools: Magnolia Elementary School (math 62% / reading 82%, grade A-, #20 of 627 statewide, top 4%, 403 students, 20% FRL); Hewitttrussville High School (math 50% / reading 50%, grade D+, #15 of 305 statewide, top 5%, 1,573 students, 15% FRL).
• Market conditions: 344 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $1k of loan paydown is wiped out by about $6k 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 + 3.0% rent growth), your $55k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 9y 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.
• Current owner paid $90k; list at $196k implies a 118% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% 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 $195,900

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 A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 1.15% ✓
• Cap rate: 9.50%
• Cash-on-cash: 11.46%
• DSCR: 1.51
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $272,217
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
111 Kingstown Cir	0.27mi	4/2.0 (+1)	1,300 (+5%)	10mo	$320,000	$246	67
3648 Queenstown Rd	0.43mi	3/2.0	1,312 (+6%)	9mo	$224,000	$171	64
102 Lynn Dr	0.45mi	3/2.0	1,148 (-8%)	8mo	$250,000	$218	59
6478 S Chalkville Rd	0.44mi	3/2.0	1,256 (+1%)	23mo	$275,000	$219	58
120 Lynn Dr	0.60mi	3/2.0	1,330 (+7%)	9mo	$245,000	$184	52
6453 S Chalkville Rd	0.48mi	2/1.0 (-1)	1,148 (-8%)	6mo	$115,000	$100	51
3520 Halcyon Way	0.38mi	3/2.0	1,418 (+14%)	10mo	$349,900	$247	51
3679 Halcyon Trce	0.40mi	3/2.0	1,413 (+14%)	15mo	$356,545	$252	46

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 0.8%
• Equity multiple: 1.03×
• Total profit: $1,577
• Equity at exit: $29,209

10-year hold

• IRR: 10.4%
• Equity multiple: 1.81×
• Total profit: $44,200
• Equity at exit: $16,938

Cash invested: $54,852 (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 35173

• Home prices YoY: -33.4%
• Active inventory: 344
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $2,248 high
• Mortgage (P&I): −$1,027
• Tax from tax record: −$143 /mo · $1,718/yr
• Insurance: −$82
• HOA: −$0
• Vacancy / Maint / Mgmt: −$472
• Net cashflow: $524

Break-even live

Break-even rent $1,585

Max offer price $195,900

Occupancy floor 72%

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: $48,975
• Closing costs: $5,877
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3509 Halcyon Way Trussville, AL	3.0	2.0	1412	$2,995	$2.12	23d	1	0.34mi
3129 Cedarbrook Ln Trussville, AL	3.0	2.0	1231	$1,766	$1.43	14d	1	0.37mi
160 Morrow Ave Unit 208 Trussville, AL	2.0	2.0	1450	$2,650	$1.83	43d	1	0.84mi
3539 Mary Taylor Rd Birmingham, AL	2.0	1.0–2.0	847	$1,592	$1.88	1d	8	0.91mi
318 Linden St Unit 100 Trussville, AL	2.0	1.0	985	$1,550	$1.57	43d	1	1.01mi

Listing history 7 events

1. 2026-04-24
   status Pending
2. 2026-04-16
   listed $195,900 Active
3. 2017-07-20
   soldstatus $90,000
4. 2017-07-11
   soldstatus $90,000 Sold 309-char remark

   Show marketing remark (309 chars)

   Great opportunity for investment property or some TLC. 3 sided brick, Lr/Dr, kitchen with nice eat in area or den, 3 br's and 2 full baths on one level living. There is also an entrance to the kitchen from the carport. Basement has playroom and 1/2 bath. Detached garage, workshop, nice patio, large backyard.

5. 2017-05-26
   historical 309-char remark

   Show marketing remark (309 chars)

   Great opportunity for investment property or some TLC. 3 sided brick, Lr/Dr, kitchen with nice eat in area or den, 3 br's and 2 full baths on one level living. There is also an entrance to the kitchen from the carport. Basement has playroom and 1/2 bath. Detached garage, workshop, nice patio, large backyard.

6. 2017-04-26
   listed $129,800 Active 309-char remark

   Show marketing remark (309 chars)

   Great opportunity for investment property or some TLC. 3 sided brick, Lr/Dr, kitchen with nice eat in area or den, 3 br's and 2 full baths on one level living. There is also an entrance to the kitchen from the carport. Basement has playroom and 1/2 bath. Detached garage, workshop, nice patio, large backyard.

7. 1999-09-02
   soldstatus $79,900

ⓘ 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: $1,718 · $143/mo
• Projected year-2 tax: $1,718 · $143/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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,973
• − Mortgage interest: −$10,973
• − Property taxes: −$1,718
• − Insurance: −$980
• − Repairs & maintenance: −$2,158
• − Management: −$2,158
• − Depreciation: −$5,699
• Taxable income: $3,288
• Est. tax owed @ 24.0%: −$789
• After-tax cash flow: $5,494/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: Trussville City
• NCES district ID: 0100013
• Math proficiency: 49% ▼ -27.00%
• Reading proficiency: 74% ▲ 3.00%
• Median HH income: $83,473
• Composite: 55.42/100
• National rank: #1250
• State rank: #5 of 129 in AL

Livability — Trussville

• Score: 79/100
• State rank: #7
• US rank: #2110

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Trussville, AL
• City population: 51,725
• Population (ZIP): 32,125

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 White (82%)
• Race & ethnicity: White 82% Black 10% Hispanic / Latino 5% Two or more races 4%
• Common ancestry: Slovak 2% Italian 2% Lithuanian 1%
• Foreign-born: 4% · Canada, Jamaica
• Languages at home: 95% English-only · Spanish 3%

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: ▼ -104.75%
• Current HPI: 208.5715
• Rent YoY: —
• Metro: —
• 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

+145.2% since first listed

7 events — show timeline

• 2026-04-24 Pending — Greater Alabama MLS
• 2026-04-16 Listed $195,900 Greater Alabama MLS
• 2017-07-20 Sold (Public Records) $90,000 Public Records
• 2017-07-11 Sold (MLS) $90,000 Greater Alabama MLS
• 2017-05-26 Delisted — Greater Alabama MLS
• 2017-04-26 Listed $129,800 Greater Alabama MLS
• 1999-09-02 Sold (Public Records) $79,900 Public Records

Property tax history

+3.9%/yr

Latest (2025): $1,718 · -0.7% YoY. Source: county tax records.