700 Sadler Ave · Bessemer, AL 35020

$74,900

2 bd · 1.0 ba · 1,064 sqft · SingleFamily public records · 30 Days on market

Built 1948 Fair condition 0.99 ac lot $70/sqft · 37% below area Est $118k · 37% 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 +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

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

• 1 acre lot
• 0.99 acre lot
• Built 1948

Tags

• 1 ACRE LOT

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 $468 ($6k/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: $74k (1.5% below list) — sets the bar for market timing.
• Cap rate 13.8% vs local median 5.8% 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); 204 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals lingering (median 55d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 63% 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 40% 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 $518 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 ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($74k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $73,776 (1.5% below list)

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
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 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?
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: 1.59% ✓
• Cap rate: 13.79%
• Cash-on-cash: 26.76%
• DSCR: 2.19
• GRM: 5.2

CMA / ARV

• ARV (median comp): $118,335
• List price: $74,900
• Delta: -36.71%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
907 Ferro Ave	0.29mi	3/1.0 (+1)	1,185 (+11%)	1mo	$190,000	$160	62
1206 Beaufort Cir	0.59mi	2/1.5	940 (-12%)	5mo	$77,000	$82	46
1219 Eastern Valley Rd	0.53mi	2/1.0	1,000 (-6%)	24mo	$101,596	$102	46
1305 Potter Ave	0.59mi	2/1.0	1,133 (+6%)	21mo	$156,000	$138	44
1117 Hudson Ave	0.33mi	2/1.0	1,215 (+14%)	21mo	$175,000	$144	44
1318 Ferro Ave	0.68mi	3/1.0 (+1)	936 (-12%)	18mo	$143,000	$153	28

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: 17.3%
• Equity multiple: 1.67×
• Total profit: $14,152
• Equity at exit: $11,168

10-year hold

• IRR: 23.7%
• Equity multiple: 2.77×
• Total profit: $37,145
• Equity at exit: $6,476

Cash invested: $20,972 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 9 active · 9 under contract
• Months of supply: 10.8 mo (9%/mo absorbed)
• Median asking: $199,000 ($153/sqft)
• Median days on market: 166 d
• This list price: 11% of active listings are priced below it
• ARV vs active asking: -27.4% 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: 204
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,192 high
• Mortgage (P&I): −$393
• Tax from tax record: −$50 /mo · $603/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $468

Break-even live

Break-even rent $600

Max offer price $74,900

Occupancy floor 56%

Sensitivity live

Price	-10% $510	-5% $489	+0% $468	+5% $447	+10% $425
Rent	-10% $374	-5% $421	+0% $468	+5% $515	+10% $562
Rate	-1.0pp $505	-0.5pp $487	base $468	+0.5pp $448	+1.0pp $429

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: $18,725
• Closing costs: $2,247
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
821 Delta St Bessemer, AL	2.0	1.0	1080	$1,125	$1.04	108d	1	0.13mi
223 Pine St SW Bessemer, AL	3.0	2.0	1240	$1,175	$0.95	37d	1	0.59mi
1291 Airport Ln SW Unit B Bessemer, AL	1.0	1.0	800	$1,300	$1.62	10d	1	0.67mi
1291 Airport Ln SW Unit B Bessemer, AL	1.0	1.0	800	$1,300	$1.62	21d	1	0.67mi
114 Elrie Blvd Bessemer, AL	3.0	2.0	1150	$1,150	$1.00	41d	1	0.87mi
4228 Candle Brook Ln Bessemer, AL	3.0	2.0	1160	$1,655	$1.43	0d	1	0.99mi
4228 Candle Brook Ln Bessemer, AL	3.0	2.0	1160	$1,640	$1.41	13d	1	0.99mi
236 Clifton St Bessemer, AL	3.0	1.0	1450	$1,050	$0.72	10d	1	1.05mi
5140 Candle Brook Ter Bessemer, AL	3.0	2.0	1235	$1,895	$1.53	0d	1	1.07mi
10 Center St Bessemer, AL	3.0	1.0	1152	$900	$0.78	55d	1	1.07mi
18 Center St Bessemer, AL	3.0	1.0	1418	$1,100	$0.78	184d	1	1.08mi
300 Norwood Ave Bessemer, AL	3.0	1.0	966	$900	$0.93	152d	1	1.14mi
300 Norwood Ave Bessemer, AL	3.0	1.0	966	$900	$0.93	138d	1	1.14mi
300 Norwood Ave Bessemer, AL	3.0	1.0	966	$1,000	$1.04	164d	1	1.14mi
315 3rd St N Bessemer, AL	3.0	1.0	1134	$895	$0.79	0d	1	1.35mi
3626 Wind Ridge Ln Bessemer, AL	3.0	2.0	1305	$1,825	$1.40	123d	1	1.39mi
419 Gladys St Bessemer, AL	3.0	2.0	1272	$1,275	$1.00	127d	1	1.39mi
4758 Rosser Loop Dr Bessemer, AL	3.0	2.0	1469	$1,880	$1.28	107d	1	1.48mi
410 W Lake Dr Bessemer, AL	2.0	1.0	780	$800	$1.03	110d	1	1.49mi

Property features AI

Exterior

• Parking: Assigned parking
• Utilities: Electric water heaterPublic waterSeptic system
• Construction: Existing constructionVinyl sidingSlab foundation

Interior

• Kitchen: Laminate countertops
• Bedrooms: One master bedroom on the first floor
• Flooring: Hardwood floors
• Bathrooms: One full bathroom on the first floorJetted tub
• Heating & cooling: No heatNo air conditioning
• Interior features: Other ceilingsPull-down attic access

Listing history 50 events

1. 2026-11-08
   days on market $74,900 Active 30 DOM
2. 2026-11-07
   days on market $74,900 Active 29 DOM
3. 2026-11-06
   days on market $74,900 Active 28 DOM
4. 2026-11-05
   days on market $74,900 Active 27 DOM
5. 2026-11-04
   days on market $74,900 Active 26 DOM
6. 2026-11-02
   days on market $74,900 Active 24 DOM
7. 2026-11-01
   days on market $74,900 Active 23 DOM
8. 2026-10-31
   days on market $74,900 Active 22 DOM
9. 2026-10-30
   days on market $74,900 Active 21 DOM
10. 2026-10-29
    pricedays on market $74,900 Active 20 DOM
11. 2026-10-28
    days on market $79,900 Active 19 DOM
12. 2026-10-27
    days on market $79,900 Active 18 DOM
13. 2026-10-26
    days on market $79,900 Active 17 DOM
14. 2026-10-26
    days on market $79,900 Active 16 DOM
15. 2026-10-24
    days on market $79,900 Active 15 DOM
16. 2026-10-23
    days on market $79,900 Active 14 DOM
17. 2026-10-22
    days on market $79,900 Active 13 DOM
18. 2026-10-21
    days on market $79,900 Active 12 DOM
19. 2026-10-20
    days on market $79,900 Active 11 DOM
20. 2026-10-19
    days on market $79,900 Active 10 DOM
21. 2026-10-18
    days on market $79,900 Active 9 DOM
22. 2026-10-17
    days on market $79,900 Active 8 DOM
23. 2026-10-16
    days on market $79,900 Active 7 DOM
24. 2026-10-15
    days on market $79,900 Active 6 DOM
25. 2026-10-14
    days on market $79,900 Active 5 DOM
26. 2026-10-13
    days on market $79,900 Active 4 DOM
27. 2026-10-12
    days on market $79,900 Active 3 DOM
28. 2026-10-11
    days on market $79,900 Active 2 DOM
29. 2026-10-10
    pricedays on marketlisting id $79,900 Active 1 DOM
30. 2026-09-27
    days on market $75,000 Active 148 DOM
31. 2026-09-25
    days on market $75,000 Active 146 DOM
32. 2026-09-24
    days on market $75,000 Active 145 DOM
33. 2026-09-23
    days on market $75,000 Active 144 DOM
34. 2026-09-22
    days on market $75,000 Active 143 DOM
35. 2026-09-21
    days on market $75,000 Active 142 DOM
36. 2026-09-20
    days on market $75,000 Active 141 DOM
37. 2026-09-19
    days on market $75,000 Active 140 DOM
38. 2026-09-18
    days on market $75,000 Active 139 DOM
39. 2026-09-17
    days on market $75,000 Active 138 DOM
40. 2026-09-16
    days on market $75,000 Active 137 DOM
41. 2026-09-15
    days on market $75,000 Active 136 DOM
42. 2026-09-14
    days on market $75,000 Active 135 DOM
43. 2026-09-13
    days on market $75,000 Active 134 DOM
44. 2026-09-12
    days on market $75,000 Active 133 DOM
45. 2026-09-11
    days on market $75,000 Active 132 DOM
46. 2026-09-05
    days on market $75,000 Active 126 DOM
47. 2026-09-04
    days on market $75,000 Active 125 DOM
48. 2026-09-03
    days on market $75,000 Active 124 DOM
49. 2026-08-31
    days on market $75,000 Active 121 DOM
50. 2026-08-30
    days on market $75,000 Active 120 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

Taxation est. · year 1

• Rental income: $14,309
• − Mortgage interest: −$4,196
• − Property taxes: −$603
• − Insurance: −$374
• − Repairs & maintenance: −$1,145
• − Management: −$1,145
• − Depreciation: −$2,179
• Taxable income: $4,668
• Est. tax owed @ 24.0%: −$1,120
• After-tax cash flow: $4,493/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

Fair 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: 40.6% rent · 59.4% own
• Severe rent burden: 10% of renters

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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%

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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%
• Languages at home: 89% English-only · Spanish 11%

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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

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Property features AI

Exterior

• Parking: Assigned parking
• Utilities: Electric water heaterPublic waterSeptic system
• Construction: Existing constructionVinyl sidingSlab foundation

Interior

• Kitchen: Laminate countertops
• Bedrooms: One master bedroom on the first floor
• Flooring: Hardwood floors
• Bathrooms: One full bathroom on the first floorJetted tub
• Heating & cooling: No heatNo air conditioning
• Interior features: Other ceilingsPull-down attic access

Price history

+70.0% since first listed

12 events — show timeline

• 2026-10-09 Listed $79,900 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%/yr

Latest (2025): $603 · +0.0% YoY. Source: county tax records.