310 White Pine St · Trussville, AL 35173

$275,000

3 bd · 1.0 ba · 1,892 sqft · SingleFamily public records · 183 Days on market

Built 1957 0.73 ac lot $145/sqft · 18% below area Est $335k · 18% 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 +17.5/30.0
• ARV discount +15.0/15.0
• DSCR +5.5/10.0
• Schools +5.5/10.0
• 1% rule +4.4/10.0
• 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

Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

Key facts

• 0.73 acre lot
• Built 1957
• Listed 182 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $210 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $259k (5.8% below list).
• Recommended offer: $242k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.2% 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+, schools A; 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.
• Market conditions: 344 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% 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 $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 183 days — a 12% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y ago; this cycle's ask has dropped $15k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $177k; list at $275k implies a 55% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• 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 $242,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 183 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — 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 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?
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: 0.94% ✗
• Cap rate: 7.21%
• Cash-on-cash: 3.28%
• DSCR: 1.15
• GRM: 8.8

CMA / ARV

• ARV (median comp): $334,920
• List price: $275,000
• Delta: -17.89%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
242 Dawns Way	0.47mi	3/2.0	1,890 (-0%)	0mo	$357,000	$189	74
6209 Halcyon Ter	0.34mi	3/2.0	1,828 (-3%)	2mo	$417,000	$228	73
204 Oak Dr W	0.29mi	3/2.0	2,016 (+7%)	5mo	$300,000	$149	68
207 Annetta Crk	0.57mi	3/2.0	1,908 (+1%)	2mo	$295,000	$155	66
3122 Cedarbrook Ln	0.37mi	3/2.5	1,727 (-9%)	1mo	$315,000	$182	61
308 Forest Dr	0.18mi	3/2.0	1,621 (-14%)	5mo	$342,900	$212	60
249 Dawns Way	0.50mi	4/2.5 (+1)	2,011 (+6%)	2mo	$349,000	$174	54
3622 Halcyon Trce	0.37mi	3/2.5	2,085 (+10%)	8mo	$413,000	$198	53
258 Dawns Way	0.54mi	3/2.0	2,037 (+8%)	9mo	$360,000	$177	50
206 Annetta Crk	0.64mi	3/2.0	1,700 (-10%)	6mo	$270,000	$159	44
3225 Trace Cir	0.55mi	3/2.0	1,619 (-14%)	3mo	$345,000	$213	44
118 Reid Dr	0.53mi	3/2.0	2,169 (+15%)	8mo	$328,000	$151	40

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: -11.1%
• Equity multiple: 0.60×
• Total profit: $-31,173
• Equity at exit: $41,003

10-year hold

• IRR: -1.9%
• Equity multiple: 0.87×
• Total profit: $-9,906
• Equity at exit: $23,777

Cash invested: $77,000 (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.

Methodology + full state rankings →

ZIP-level market 35173

• Home prices YoY: -33.4%
• Active inventory: 344
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $2,591 high
• Mortgage (P&I): −$1,442
• Tax from tax record: −$280 /mo · $3,356/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$544
• Net cashflow: $210

Break-even live

Break-even rent $2,325

Max offer price $275,000

Occupancy floor 87%

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6232 Halcyon Ter Trussville, AL	3.0	2.5	1818	$2,700	$1.49	15d	1	0.31mi
3509 Halcyon Way Trussville, AL	3.0	2.0	1412	$2,995	$2.12	23d	1	0.33mi
3129 Cedarbrook Ln Trussville, AL	3.0	2.0	1231	$1,766	$1.43	14d	1	0.35mi
6735 Roper Rd Trussville, AL	3.0	2.0	1625	$2,400	$1.48	43d	1	0.67mi
160 Morrow Ave Unit 204 Trussville, AL	3.0	2.0	1836	$2,850	$1.55	43d	1	0.78mi
160 Morrow Ave Unit 208 Trussville, AL	2.0	2.0	1450	$2,650	$1.83	43d	1	0.78mi
165 Morrow Ave Unit 201 Trussville, AL	2.0	2.0	1870	$3,500	$1.87	43d	1	0.84mi
125 Charleston Way Trussville, AL	3.0	3.0	2181	$2,106	$0.97	14d	1	1.07mi
5439 Camellia Ln Trussville, AL	4.0	2.5	2447	$2,456	$1.00	43d	1	1.22mi
5272 Promenade Dr Trussville, AL	3.0	2.0	1979	$1,895	$0.96	1d	1	1.44mi

Listing history 16 events

1. 2026-02-24
   price $275,000 193-char remark

   Show marketing remark (193 chars)

   Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

2. 2026-02-02
   status Active 193-char remark

   Show marketing remark (193 chars)

   Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

3. 2026-01-24
   historical Contingent 193-char remark

   Show marketing remark (193 chars)

   Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

4. 2026-01-07
   status Active 193-char remark

   Show marketing remark (193 chars)

   Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

5. 2025-12-31
   historical Contingent 193-char remark

   Show marketing remark (193 chars)

   Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

6. 2025-12-30
   price $280,000 193-char remark

   Show marketing remark (193 chars)

   Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

7. 2025-11-25
   listed $290,000 Active 193-char remark

   Show marketing remark (193 chars)

   Investor opportunity at 310 White Pine St with resident who wishes to remain in the property, making this a turnkey, income producing investment property. Owner has a real estate license in AL.

8. 2023-06-13
   price $314,900
9. 2023-05-13
   price $319,900
10. 2022-09-13
    soldstatus $177,000
11. 2022-09-12
    soldstatus $177,000 Sold
12. 2022-08-13
    historical Contingent
13. 2022-08-07
    historical
14. 2022-07-01
    historical Contingent
15. 2022-06-16
    price $199,900
16. 2022-06-07
    listed $210,000 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: $3,356 · $280/mo
• Projected year-2 tax: $3,356 · $280/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: $31,087
• − Mortgage interest: −$15,404
• − Property taxes: −$3,356
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,487
• − Management: −$2,487
• − Depreciation: −$8,000
• Taxable loss: −$2,022
• Est. tax savings @ 24.0%: +$485
• After-tax cash flow: $3,008/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

+31.0% since first listed

16 events — show timeline

• 2026-02-24 Price Changed $275,000 Greater Alabama MLS
• 2026-02-02 Relisted — Greater Alabama MLS
• 2026-01-24 Contingent — Greater Alabama MLS
• 2026-01-07 Relisted — Greater Alabama MLS
• 2025-12-31 Contingent — Greater Alabama MLS
• 2025-12-30 Price Changed $280,000 Greater Alabama MLS
• 2025-11-25 Listed $290,000 Greater Alabama MLS
• 2023-06-13 Price Changed $314,900 Greater Alabama MLS
• 2023-05-13 Price Changed $319,900 Greater Alabama MLS
• 2022-09-13 Sold (Public Records) $177,000 Public Records
• 2022-09-12 Sold (MLS) $177,000 Greater Alabama MLS
• 2022-08-13 Contingent — Greater Alabama MLS
• 2022-08-07 Delisted — Greater Alabama MLS
• 2022-07-01 Contingent — Greater Alabama MLS
• 2022-06-16 Price Changed $199,900 Greater Alabama MLS
• 2022-06-07 Listed $210,000 Greater Alabama MLS

Property tax history

+14.0%/yr

Latest (2025): $3,356 · -1.2% YoY. Source: county tax records.