5554 Birmingport Rd · Sylvan Springs, AL 35118

$139,000

3 bd · 1.0 ba · 1,296 sqft · SingleFamily public records · 93 Days on market

Built 1975 0.40 ac lot $107/sqft · 37% below area Est $221k · 37% under

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Why this score? — see what drove the C+ 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 +25.4/30.0
• ARV discount +15.0/15.0
• DSCR +8.4/10.0
• 1% rule +5.5/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 4-Bedroom Home in Sylvan Springs — Priced to Sell! Discover peaceful living in this welcoming 4-bedroom, 2-bath home nestled in the heart of Sylvan Springs, Alabama. Enjoy the comfort of both front and rear sitting porches, perfect for morning coffee, evening relaxation, or simply taking in the quiet surroundings. Inside, you’ll find some thoughtful updates that add modern convenience while preserving the home’s cozy character. With 4 bedrooms, comfortable living areas, and a layout that feels both functional and inviting, this property offers room to grow and space to unwind. If you’re looking for a serene setting with small-town charm—and a price that makes it an incredible value—this home is ready to welcome you.

Key facts

• Rear sitting porches
• Functional layout
• 0.4 acre lot

Tags

• FRONT SITTING PORCHES
• REAR SITTING PORCHES
• FUNCTIONAL LAYOUT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $139k.

Deal economics

• At list price, monthly cash flow is $322 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $139k).
• Recommended offer: $126k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#293 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety 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: Concord Elementary School (math 8% / reading 37%, grade F, #437 of 627 statewide, top 70%, 397 students, 70% FRL); Hueytown Middle School (math 0% / reading 30%, grade F, #206 of 257 statewide, top 80%, 789 students, 62% FRL); Hueytown High School (math 7% / reading 20%, grade F, #235 of 305 statewide, top 77%, 1,210 students, 79% FRL) — zoned schools average 70% FRL vs 49% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 36 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $961 of loan paydown is wiped out by about $4k 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 93 days — a 9% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $78k; list at $139k implies a 78% 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 $126,490 (9.0% below list)

Questions for the listing agent

1. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.05% ✓
• Cap rate: 9.07%
• Cash-on-cash: 9.92%
• DSCR: 1.44
• GRM: 8.0

CMA / ARV

• ARV (median comp): $220,875
• List price: $139,000
• Delta: -37.07%
• Verdict: UNDERPRICED
• Comps: 18 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
235 Poplar Springs Dr	0.14mi	3/1.5	1,388 (+7%)	10mo	$60,050	$43	71
5536 Rockwood Dr	0.53mi	4/2.5 (+1)	1,380 (+6%)	2mo	$175,000	$127	52
224 Oak Ln	0.70mi	3/2.0	1,237 (-5%)	8mo	$245,000	$198	49
321 Rock Creek Rd	0.60mi	3/2.0	1,486 (+15%)	13mo	$190,000	$128	33

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: -1.4%
• Equity multiple: 0.95×
• Total profit: $-2,091
• Equity at exit: $20,725

10-year hold

• IRR: 8.2%
• Equity multiple: 1.63×
• Total profit: $24,326
• Equity at exit: $12,018

Cash invested: $38,920 (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 35118

• Home prices YoY: -11.4%
• Active inventory: 36
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,456 medium
• Mortgage (P&I): −$729
• Tax from tax record: −$42 /mo · $500/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$306
• Net cashflow: $322

Break-even live

Break-even rent $1,049

Max offer price $139,000

Occupancy floor 73%

Sensitivity live

Price	-10% $400	-5% $361	+0% $322	+5% $282	+10% $243
Rent	-10% $207	-5% $264	+0% $322	+5% $379	+10% $437
Rate	-1.0pp $392	-0.5pp $357	base $322	+0.5pp $286	+1.0pp $249

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: $34,750
• Closing costs: $4,170
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
230 Poplar Springs Dr Mulga, AL	3.0	1.5	1075	$1,456	$1.35	3d	1	0.16mi

Listing history 24 events

1. 2026-06-22
   days on market $139,000 Active 93 DOM
2. 2026-06-18
   days on market $139,000 Active 90 DOM
3. 2026-06-17
   days on market $139,000 Active 89 DOM
4. 2026-06-16
   days on market $139,000 Active 88 DOM
5. 2026-06-15
   days on market $139,000 Active 87 DOM
6. 2026-06-13
   days on market $139,000 Active 85 DOM
7. 2026-06-10
   days on market $139,000 Active 82 DOM
8. 2026-06-09
   days on market $139,000 Active 81 DOM
9. 2026-06-08
   days on market $139,000 Active 80 DOM
10. 2026-06-07
    days on market $139,000 Active 79 DOM
11. 2026-06-03
    days on market $139,000 Active 75 DOM
12. 2026-06-02
    days on market $139,000 Active 74 DOM
13. 2026-06-01
    days on market $139,000 Active 73 DOM
14. 2026-05-31
    days on market $139,000 Active 72 DOM
15. 2026-04-10
    price $139,000 770-char remark

    Show marketing remark (770 chars)

    Charming 4-Bedroom Home in Sylvan Springs — Priced to Sell! Discover peaceful living in this welcoming 4-bedroom, 2-bath home nestled in the heart of Sylvan Springs, Alabama. Enjoy the comfort of both front and rear sitting porches, perfect for morning coffee, evening relaxation, or simply taking in the quiet surroundings. Inside, you’ll find some thoughtful updates that add modern convenience while preserving the home’s cozy character. With 4 bedrooms, comfortable living areas, and a layout that feels both functional and inviting, this property offers room to grow and space to unwind. If you’re looking for a serene setting with small-town charm—and a price that makes it an incredible value—this home is ready to welcome you.

16. 2026-03-19
    listed $149,000 Active 770-char remark

    Show marketing remark (770 chars)

    Charming 4-Bedroom Home in Sylvan Springs — Priced to Sell! Discover peaceful living in this welcoming 4-bedroom, 2-bath home nestled in the heart of Sylvan Springs, Alabama. Enjoy the comfort of both front and rear sitting porches, perfect for morning coffee, evening relaxation, or simply taking in the quiet surroundings. Inside, you’ll find some thoughtful updates that add modern convenience while preserving the home’s cozy character. With 4 bedrooms, comfortable living areas, and a layout that feels both functional and inviting, this property offers room to grow and space to unwind. If you’re looking for a serene setting with small-town charm—and a price that makes it an incredible value—this home is ready to welcome you.

17. 2023-06-30
    soldstatus $78,000 Closed 203-char remark

    Show marketing remark (203 chars)

    Great Investment property or for a 1st time home buyer featuring 3BR/2BA, Spacious Living room, Kitchen with eating area, Covered front porch and a huge covered back porch. Right of Redemption may apply.

18. 2023-06-30
    soldstatus $78,000 Sold

    Show marketing remark (203 chars)

    Great Investment property or for a 1st time home buyer featuring 3BR/2BA, Spacious Living room, Kitchen with eating area, Covered front porch and a huge covered back porch. Right of Redemption may apply.

19. 2023-06-06
    historical Active Under Contract 203-char remark

    Show marketing remark (203 chars)

    Great Investment property or for a 1st time home buyer featuring 3BR/2BA, Spacious Living room, Kitchen with eating area, Covered front porch and a huge covered back porch. Right of Redemption may apply.

20. 2023-06-06
    historical Contingent

    Show marketing remark (203 chars)

    Great Investment property or for a 1st time home buyer featuring 3BR/2BA, Spacious Living room, Kitchen with eating area, Covered front porch and a huge covered back porch. Right of Redemption may apply.

21. 2023-03-16
    price $79,000
22. 2023-03-15
    price $79,000 203-char remark

    Show marketing remark (203 chars)

    Great Investment property or for a 1st time home buyer featuring 3BR/2BA, Spacious Living room, Kitchen with eating area, Covered front porch and a huge covered back porch. Right of Redemption may apply.

23. 2022-10-05
    listed $89,000 Active 203-char remark

    Show marketing remark (203 chars)

    Great Investment property or for a 1st time home buyer featuring 3BR/2BA, Spacious Living room, Kitchen with eating area, Covered front porch and a huge covered back porch. Right of Redemption may apply.

24. 2022-10-04
    listed $89,000 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: $500 · $42/mo
• Projected year-2 tax: $570 · $47/mo
• Expected delta: +$70/yr (+$6/mo · 14.0%)

ⓘ 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 ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,472
• − Mortgage interest: −$7,786
• − Property taxes: −$500
• − Insurance: −$695
• − Repairs & maintenance: −$1,398
• − Management: −$1,398
• − Depreciation: −$4,044
• Taxable income: $1,652
• Est. tax owed @ 24.0%: −$396
• After-tax cash flow: $3,465/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 — Sylvan Springs

• Score: 60/100
• State rank: #293
• US rank: #18909

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sylvan Springs, AL
• City population: 210,422
• Population (ZIP): 3,131

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 (75%)
• Race & ethnicity: White 75% Black 17% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 3% Slovak 3% Iranian 1%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Spanish 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: ▼ -25.72%
• Current HPI: 199.824
• 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

+56.2% since first listed

10 events — show timeline

• 2026-04-10 Price Changed $139,000 Greater Alabama MLS
• 2026-03-19 Listed $149,000 Greater Alabama MLS
• 2023-06-30 Sold (MLS) $78,000 Greater Alabama MLS
• 2023-06-30 Sold (MLS) $78,000 Walker County Area MLS
• 2023-06-06 Contingent — Walker County Area MLS
• 2023-06-06 Contingent — Greater Alabama MLS
• 2023-03-16 Price Changed $79,000 Greater Alabama MLS
• 2023-03-15 Price Changed $79,000 Walker County Area MLS
• 2022-10-05 Listed $89,000 Walker County Area MLS
• 2022-10-04 Listed $89,000 Greater Alabama MLS

Property tax history

+2.5%/yr

Latest (2025): $500 · +7.6% YoY. Source: county tax records.