700 Sadler Ave · Bessemer, AL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 6/10 · Moderate
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 55.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
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 +3.0/5.0
- Condition / age +2.2/5.0
- Rent growth +1.7/5.0
- Schools +1.5/10.0
- Appreciation +0.0/10.0
$75,000
700 Sadler Ave · Bessemer, AL 35020
2 bd · 1.0 ba · 1,064 sqft · SingleFamily
public records
· 98 Days on market
Built 1948
0.99 ac lot
$70/sqft
· 42% below area
Est $130k · 42% under
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
NEW LOW PRICE!! This home sits on a huge corner lot approx 1 acre, this may be a great starter home for someone that can give it a little TLC. 2 bedrooms, 1 bath, living room and dining and a nice covered front porch overlooking the large front yard plus there is a large back yard. At this low price home is sold as is. Don't miss out on this home that is convenient to shopping, schools and more.
Key facts
- Nearly a full acre
- Corner lot
- 0.99 acre lot
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath single-family listed at $75k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $414 ($5k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $75k).
- Recommended offer: $68k (9.0% below list) — sets the bar for market timing.
- Cap rate 12.9% vs local median 5.7% 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.
- 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 falling (-3.1%/yr); 149 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals lingering (median 41d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 73% 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 $519 of loan paydown is wiped out by about $2k 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 $21k cash investment doubles in ~7 years — after that, you're playing with house money.
Negotiation context
- It's been on market 98 days — a 9% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 4y 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
- Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major wind risk, 55% 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
$68,250
(9.0% below list)
Questions for the listing agent
- It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1948 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 1.50% ✓
- Cap rate
- 12.92%
- Cash-on-cash
- 23.66%
- DSCR
- 2.05
- GRM
- 5.6
CMA / ARV
- ARV (median comp)
- $130,289
- List price
- $75,000
- Delta
- -42.44%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 5 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1206 Beaufort Cir | 0.59mi | 2/1.5 | 940 (-12%) | 2mo | $77,000 | $82 | 49 |
| 1219 Eastern Valley Rd | 0.53mi | 2/1.0 | 1,000 (-6%) | 21mo | $101,596 | $102 | 48 |
| 1305 Potter Ave | 0.59mi | 2/1.0 | 1,133 (+6%) | 18mo | $156,000 | $138 | 47 |
| 1117 Hudson Ave | 0.33mi | 2/1.0 | 1,215 (+14%) | 18mo | $175,000 | $144 | 46 |
| 1318 Ferro Ave | 0.68mi | 3/1.0 (+1) | 936 (-12%) | 15mo | $143,000 | $153 | 31 |
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
- 13.5%
- Equity multiple
- 1.52×
- Total profit
- $10,914
- Equity at exit
- $11,183
10-year hold
- IRR
- 20.0%
- Equity multiple
- 2.46×
- Total profit
- $30,682
- Equity at exit
- $6,485
Cash invested: $21,000 (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.
Buyer's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 8 active · 5 under contract
- Months of supply
- 16.0 mo (6%/mo absorbed)
- Median asking
- $165,400 ($150/sqft)
- Median days on market
- 82 d
- This list price
- 12% of active listings are priced below it
- ARV vs active asking
- -18.5% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 35020
- Home prices YoY
- -24.2%
- Rents YoY
- -3.1%
- Active inventory
- 149
- Price-to-rent
- 5.6×
Monthly cashflow live
↻
- Estimated rent
- $1,125 high interval (Pro) →
- Mortgage (P&I)
- −$393
- Tax from tax record
- −$50 /mo · $603/yr
- Insurance
- −$31
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$236
- Net cashflow
- $414
Break-even live
Break-even rent
$601
Max offer price
$75,000
Occupancy floor
58%
Sensitivity live
| Price | -10% $457 | -5% $435 | +0% $414 | +5% $393 | +10% $372 |
|---|---|---|---|---|---|
| Rent | -10% $325 | -5% $370 | +0% $414 | +5% $459 | +10% $503 |
| Rate | -1.0pp $452 | -0.5pp $433 | base $414 | +0.5pp $395 | +1.0pp $375 |
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
- $18,750
- Closing costs
- $2,250
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 11 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 821 Delta St Bessemer, AL | 2.0 | 1.0 | 1080 | $1,125 | $1.04 | 16d | 1 | 0.13mi |
| 236 Clifton St Bessemer, AL | 3.0 | 1.0 | 1450 | $1,100 | $0.76 | 92d | 1 | 1.05mi |
| 10 Center St Bessemer, AL | 3.0 | 1.0 | 1152 | $900 | $0.78 | 41d | 1 | 1.07mi |
| 18 Center St Bessemer, AL | 3.0 | 1.0 | 1418 | $1,100 | $0.78 | 92d | 1 | 1.08mi |
| 300 Norwood Ave Bessemer, AL | 3.0 | 1.0 | 966 | $1,000 | $1.04 | 72d | 1 | 1.14mi |
| 300 Norwood Ave Bessemer, AL | 3.0 | 1.0 | 966 | $900 | $0.93 | 46d | 1 | 1.14mi |
| 300 Norwood Ave Bessemer, AL | 3.0 | 1.0 | 966 | $900 | $0.93 | 60d | 1 | 1.14mi |
| 3626 Wind Ridge Ln Bessemer, AL | 3.0 | 2.0 | 1305 | $1,825 | $1.40 | 31d | 1 | 1.39mi |
| 419 Gladys St Bessemer, AL | 3.0 | 2.0 | 1272 | $1,275 | $1.00 | 35d | 1 | 1.39mi |
| 4758 Rosser Loop Dr Bessemer, AL | 3.0 | 2.0 | 1469 | $1,880 | $1.28 | 15d | 1 | 1.48mi |
| 410 W Lake Dr Bessemer, AL | 2.0 | 1.0 | 780 | $800 | $1.03 | 19d | 1 | 1.49mi |
Property features AI
Finance
- Other
- Property parcel identifier is 38-00-20-4-011-003.000Approximately 0.99 acre lot
Exterior
- Parking
- Driveway parking
- Security
- No security features listed
- Utilities
- Public waterSeptic sewerElectric water heaterInternet service availability
- Home design
- Existing (previously built) propertySingle-story layout (all rooms listed on main level)
- Construction
- Siding-Other exteriorCrawl space foundation
- Exterior features
- Garden/patio presentNo poolNo patio listedNot waterfrontFlood plain: NoNo notable lot view
Interior
- Kitchen
- Laminate countertopsBuilt-in dishwasher
- Bedrooms
- All bedrooms on main level
- Flooring
- Vinyl flooring
- Bathrooms
- One full bath with tub/shower combo
- Heating & cooling
- Gas heatingCentral cooling
- Interior features
- Ceilings listed as other (see remarks)Attic with pull-down accessNo notable built-in interior features listed
- Laundry & utility
- Main-level laundry with washer hookupElectric dryer hookupLaundry space described as 'other (see remarks)'
Listing history 50 events
-
2026-08-08days on market $75,000 Active 98 DOM
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2026-08-07days on market $75,000 Active 97 DOM
-
2026-08-06days on market $75,000 Active 96 DOM
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2026-08-05days on market $75,000 Active 95 DOM
-
2026-08-04days on market $75,000 Active 94 DOM
-
2026-08-03days on market $75,000 Active 93 DOM
-
2026-07-31days on market $75,000 Active 90 DOM
-
2026-07-30days on market $75,000 Active 88 DOM
-
2026-07-28days on market $75,000 Active 87 DOM
-
2026-07-26days on market $75,000 Active 85 DOM
-
2026-07-24days on market $75,000 Active 83 DOM
-
2026-07-23days on market $75,000 Active 82 DOM
-
2026-07-22days on market $75,000 Active 81 DOM
-
2026-07-21days on market $75,000 Active 80 DOM
-
2026-07-20days on market $75,000 Active 79 DOM
-
2026-07-19days on market $75,000 Active 77 DOM
-
2026-07-18days on market $75,000 Active 76 DOM
-
2026-07-16days on market $75,000 Active 75 DOM
-
2026-07-15days on market $75,000 Active 74 DOM
-
2026-07-14days on market $75,000 Active 73 DOM
-
2026-07-13days on market $75,000 Active 72 DOM
-
2026-07-13days on market $75,000 Active 71 DOM
-
2026-07-11days on market $75,000 Active 70 DOM
-
2026-07-10days on market $75,000 Active 69 DOM
-
2026-07-09days on market $75,000 Active 68 DOM
-
2026-07-07days on market $75,000 Active 66 DOM
-
2026-07-06days on market $75,000 Active 65 DOM
-
2026-07-05days on market $75,000 Active 64 DOM
-
2026-07-03days on market $75,000 Active 62 DOM
-
2026-07-02days on market $75,000 Active 61 DOM
-
2026-07-01days on market $75,000 Active 60 DOM
-
2026-06-30days on market $75,000 Active 59 DOM
-
2026-06-29days on market $75,000 Active 58 DOM
-
2026-06-28days on market $75,000 Active 57 DOM
-
2026-06-27days on market $75,000 Active 56 DOM
-
2026-06-27days on market $75,000 Active 55 DOM
-
2026-06-25days on market $75,000 Active 53 DOM
-
2026-06-22days on market $75,000 Active 51 DOM
-
2026-06-22days on market $75,000 Active 50 DOM
-
2026-06-18days on market $75,000 Active 47 DOM
-
2026-06-17days on market $75,000 Active 46 DOM
-
2026-06-16days on market $75,000 Active 45 DOM
-
2026-06-15days on market $75,000 Active 44 DOM
-
2026-06-13days on market $75,000 Active 42 DOM
-
2026-06-10days on market $75,000 Active 39 DOM
-
2026-06-09days on market $75,000 Active 38 DOM
-
2026-06-08days on market $75,000 Active 37 DOM
-
2026-06-07days on market $75,000 Active 36 DOM
-
2026-06-03days on market $75,000 Active 32 DOM
-
2026-06-02days on market $75,000 Active 31 DOM
ⓘ 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
- $603 · $50/mo
- Projected year-2 tax
- $603 · $50/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 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
- Wind 6/10 Major 55% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $13,503
- − Mortgage interest
- −$4,201
- − Property taxes
- −$603
- − Insurance
- −$375
- − Repairs & maintenance
- −$1,080
- − Management
- −$1,080
- − Depreciation
- −$2,182
- Taxable income
- $3,981
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$955
- After-tax cash flow
- $4,014/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.
Condition & rehab AI · 9 photos
45/100
Moderate rehab
Est. rehab $26,600–$47,880 screening
This 2-bedroom, 1-bath home on a corner lot has potential for a moderate renovation. The kitchen and flooring are in good condition, but the exterior and interior paint need touch-ups. A fresh coat of paint and a new porch bench would significantly improve its curb appeal and value.
Components & finishes AI
Roof asphalt shingle · good
Flooring hardwood
Deferred maintenance Est. $2,500–$10,000 screening
- Minor Roof (roof) — No visible signs of damage or wear
- Minor Windows (windows) — No visible signs of damage or wear
- Minor Electrical (electrical) — No visible signs of damage or wear
- Minor Plumbing (plumbing) — No visible signs of damage or wear
- Minor Exterior (exterior) — No visible signs of damage or wear
Repairs flagged
- Minor exterior siding — light wear
- Minor interior paint — minor wear
Value-add opportunities
- Both paint exterior — enhances curb appeal and value ↑
- Both replace front porch bench — improves functionality and aesthetics ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
F
Composite school gradezoned avg 15/100
Zoned Schools
Elementary
Greenwood Elementary School
F
AL #508/627
Nat'l #36,424/41,679
Middle
Mcadory Middle School
F
AL #199/257
Nat'l #12,181/14,009
High
Mcadory High School
F
AL #237/305
Nat'l #15,707/17,239
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
D
Composite livability gradescore 59/100
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 · 669,185 people
- City population
- 48,018
- Metro
- Birmingham-Hoover, AL
- Population (ZIP)
- 24,892
- Household income
- $35,362
- Rent vs Own
- Severe rent burden
- 10% of renters
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
+59.6% since first listed12 events — show timeline
- 2026-05-02 Listed $75,000 Greater Alabama MLS
- 2025-02-05 Price Changed $99,000 Greater Alabama MLS
- 2022-12-02 Sold (Public Records) $83,000 Public Records
- 2022-11-30 Sold (MLS) $83,000 Greater Alabama MLS
- 2022-11-07 Contingent — Greater Alabama MLS
- 2022-11-02 Price Changed $89,900 Greater Alabama MLS
- 2022-11-02 Relisted — Greater Alabama MLS
- 2022-11-01 Contingent — Greater Alabama MLS
- 2022-10-17 Listed $99,000 Greater Alabama MLS
- 2022-10-08 Coming Soon $99,000 Greater Alabama MLS
- 1996-08-08 Sold (Public Records) $47,000 Public Records
- 1996-08-01 Sold (Public Records) $47,000 Public Records
Property tax history
+4.7%/yrLatest (2025): $603 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…