103 Pine St · Hueytown, AL 35023

$116,700

3 bd · 1.0 ba · 1,020 sqft · SingleFamily public records · 15 Days on market

Built 1941 Excellent condition 6,534 sqft lot $114/sqft · at area comps Est $120k · at est.

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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 +23.9/30.0
• ARV discount +8.9/15.0
• DSCR +7.7/10.0
• 1% rule +5.5/10.0
• Condition / age +4.8/5.0
• Appreciation +4.7/10.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Schools +1.2/10.0

Listing remarks MLS

Rehabbed Property Ready for a New Owner!

Key facts

• 6,534 sq ft lot
• Built 1941
• Listed 14 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $117k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $226 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $117k).
• Recommended offer: $115k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 5.8% in Hueytown — 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 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities 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: Brighton School (math 5% / reading 15%, grade F, #566 of 627 statewide, top 90%, 365 students, 89% FRL); Pleasant Grove High School (math 0% / reading 18%, grade F, #260 of 305 statewide, top 85%, 729 students, 57% FRL) — zoned schools average 73% FRL vs 49% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 295 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals lingering (median 41d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 84% 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

• In year one you build about $107 of equity ($807 loan paydown + $-700 appreciation (-0.6% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-0.6% appreciation + 1.6% rent growth), your $33k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($115k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 11y ago; this cycle's ask is 31% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $84k; 39% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $114,949 (1.5% below list)

Questions for the listing agent

1. Built in 1941 — 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 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?
4. 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?
5. 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.
6. 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.
7. 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: 8.62%
• Cash-on-cash: 8.31%
• DSCR: 1.37
• GRM: 8.0

CMA / ARV

• ARV (median comp): $120,429
• List price: $116,700
• Delta: -26.10%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
104 Cypress St	0.03mi	3/1.0	1,004 (-2%)	0mo	$141,000	$140	95
223 Woodward Dr	0.19mi	3/1.0	988 (-3%)	9mo	$100,000	$101	78
200 Woodward Dr	0.18mi	3/1.0	890 (-13%)	5mo	$102,000	$115	66
1598 Pleasant Grove Rd	0.58mi	3/1.0	1,092 (+7%)	2mo	$82,500	$76	60
1589 Carver St	0.63mi	3/1.0	957 (-6%)	6mo	$120,000	$125	55
2934 Allison Bonnett Memorial Dr	0.66mi	3/1.0	1,076 (+6%)	14mo	$98,000	$91	49
1669 Pleasant Grove Rd	0.32mi	3/2.0	1,144 (+12%)	16mo	$135,000	$118	47
399 Clio St	0.58mi	3/1.0	1,118 (+10%)	16mo	$115,000	$103	43
1719 Robins St	0.46mi	3/1.5	1,152 (+13%)	16mo	$27,000	$23	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold

• IRR: 4.1%
• Equity multiple: 1.18×
• Total profit: $6,033
• Equity at exit: $30,427

10-year hold

• IRR: 9.0%
• Equity multiple: 1.88×
• Total profit: $28,688
• Equity at exit: $33,917

Cash invested: $32,676 (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: 15 active · 2 under contract
• Months of supply: 18.0 mo (6%/mo absorbed)
• Median asking: $104,900 ($105/sqft)
• Median days on market: 50 d
• This list price: 73% of active listings are priced below it
• ARV vs active asking: +12.1% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 295
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,223 high
• Mortgage (P&I): −$612
• Tax from tax record: −$79 /mo · $946/yr
• Insurance: −$49
• HOA: −$0
• Vacancy / Maint / Mgmt: −$257
• Net cashflow: $226

Break-even live

Break-even rent $936

Max offer price $116,700

Occupancy floor 76%

Sensitivity live

Price	-10% $292	-5% $259	+0% $226	+5% $193	+10% $160
Rent	-10% $130	-5% $178	+0% $226	+5% $275	+10% $323
Rate	-1.0pp $285	-0.5pp $256	base $226	+0.5pp $196	+1.0pp $165

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: $29,175
• Closing costs: $3,501
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
216 Pine St Bessemer, AL	3.0	2.0	1000	$1,200	$1.20	93d	1	0.19mi
200 Woodward Dr Bessemer, AL	3.0	1.0	900	$1,123	$1.25	51d	1	0.20mi
1565 Miles St Dolomite, AL	3.0	2.0	1120	$1,150	$1.03	46d	1	0.50mi
1983 Townhouse Ln Bessemer, AL	2.0	2.0	1465	$1,100	$0.75	65d	1	0.61mi
1401 9th Ave Birmingham, AL	3.0	2.0	1222	$1,100	$0.90	33d	1	0.92mi
406 Forest Rd Bessemer, AL	3.0	2.0	1200	$1,125	$0.94	31d	1	0.93mi
513 12th St Midfield, AL	2.0	1.0	936	$850	$0.91	33d	1	1.04mi
1109 12th Ave Birmingham, AL	4.0	2.0	1217	$1,475	$1.21	52d	1	1.18mi
1400 Freda Dr Birmingham, AL	3.0	1.0	1255	$1,035	$0.82	25d	1	1.22mi
806 12th Ave Birmingham, AL	3.0	1.0	1262	$950	$0.75	25d	1	1.34mi
1432 12th St Midfield, AL	3.0	1.0	1061	$1,095	$1.03	41d	1	1.35mi
1433 12th St Midfield, AL	3.0	1.0	962	$1,200	$1.25	30d	1	1.36mi
617 8th Ave Birmingham, AL	4.0	2.0	1436	$1,350	$0.94	39d	1	1.37mi
616 Rutledge Dr Birmingham, AL	3.0	1.0	1416	$1,095	$0.77	70d	1	1.39mi
608 5th Ave Midfield, AL	3.0	1.0	1241	$795	$0.64	70d	1	1.41mi
605 10th Ave Birmingham, AL	3.0	1.0	1060	$850	$0.80	93d	1	1.42mi
603 11th Ave Birmingham, AL	3.0	1.0	1289	$1,100	$0.85	93d	1	1.45mi
832 Alden Ave Birmingham, AL	4.0	2.0	1231	$1,125	$0.91	25d	1	1.46mi
821 Alden Ave Birmingham, AL	3.0	1.0	1099	$995	$0.91	32d	1	1.46mi

Listing history 49 events

1. 2026-08-08
   days on market $116,700 Active 15 DOM
2. 2026-08-07
   days on market $116,700 Active 14 DOM
3. 2026-08-06
   days on market $116,700 Active 13 DOM
4. 2026-08-05
   days on market $116,700 Active 12 DOM
5. 2026-08-04
   days on market $116,700 Active 11 DOM
6. 2026-08-03
   days on market $116,700 Active 10 DOM
7. 2026-07-31
   days on market $116,700 Active 7 DOM
8. 2026-07-30
   days on market $116,700 Active 5 DOM
9. 2026-07-28
   days on market $116,700 Active 4 DOM
10. 2026-07-26
    days on marketlisting id $116,700 Active 2 DOM
11. 2026-07-23
    pricedays on marketlisting id $116,700 Active 1 DOM
12. 2026-07-02
    days on market $89,000 Active 85 DOM
13. 2026-07-01
    days on market $89,000 Active 84 DOM
14. 2026-06-30
    days on market $89,000 Active 83 DOM
15. 2026-06-29
    days on market $89,000 Active 82 DOM
16. 2026-06-28
    days on market $89,000 Active 81 DOM
17. 2026-06-27
    days on market $89,000 Active 80 DOM
18. 2026-06-27
    days on market $89,000 Active 79 DOM
19. 2026-06-25
    days on market $89,000 Active 77 DOM
20. 2026-06-22
    days on market $89,000 Active 75 DOM
21. 2026-06-22
    days on market $89,000 Active 74 DOM
22. 2026-06-18
    days on market $89,000 Active 71 DOM
23. 2026-06-17
    days on market $89,000 Active 70 DOM
24. 2026-06-16
    days on market $89,000 Active 69 DOM
25. 2026-06-15
    days on market $89,000 Active 68 DOM
26. 2026-06-13
    days on market $89,000 Active 66 DOM
27. 2026-06-10
    days on market $89,000 Active 63 DOM
28. 2026-06-09
    days on market $89,000 Active 62 DOM
29. 2026-06-08
    days on market $89,000 Active 61 DOM
30. 2026-06-07
    days on market $89,000 Active 60 DOM
31. 2026-06-03
    days on market $89,000 Active 56 DOM
32. 2026-06-02
    days on market $89,000 Active 55 DOM
33. 2026-06-01
    days on market $89,000 Active 54 DOM
34. 2026-05-31
    days on market $89,000 Active 53 DOM
35. 2026-04-08
    listed $89,000 Active 798-char remark
36. 2026-04-08
    listed $89,000 Active 798-char remark
37. 2025-12-22
    historical $1,050
38. 2025-11-27
    price $1,050
39. 2025-11-14
    price $1,100
40. 2025-10-23
    price $1,150
41. 2025-09-27
    listed $1,300
42. 2019-05-24
    soldstatus $83,900

    Show marketing remark (40 chars)

    Rehabbed Property Ready for a New Owner!

43. 2019-05-24
    listed $83,900

    Show marketing remark (40 chars)

    Rehabbed Property Ready for a New Owner!

44. 2019-03-07
    soldstatus $58,000
45. 2015-12-29
    soldstatus $27,800 Sold
46. 2015-11-12
    status Pending
47. 2015-10-30
    listed $29,000 Active
48. 2005-03-09
    soldstatus $74,825
49. 1991-11-01
    soldstatus $37,000

ⓘ 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: $946 · $79/mo
• Projected year-2 tax: $946 · $79/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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 20 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: $14,671
• − Mortgage interest: −$6,537
• − Property taxes: −$946
• − Insurance: −$584
• − Repairs & maintenance: −$1,174
• − Management: −$1,174
• − Depreciation: −$3,395
• Taxable income: $862
• Est. tax owed @ 24.0%: −$207
• After-tax cash flow: $2,510/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

Excellent 95/100 None rehab

This beautifully renovated three-bedroom, one-bathroom home is move-in ready and presents an exceptional opportunity for both homeowners and investors. The home features modern finishes throughout, offering contemporary comfort and appeal.

Value-add opportunities

• Resale Painting the exterior siding and repainting the interior walls — Fresh paint can enhance the curb appeal and make the home look more inviting to potential buyers. ↑
• Rental Landscaping improvements — Well-maintained landscaping can attract more renters and make the home more appealing. ↑

F Composite school gradezoned avg 12/100

Zoned Schools

Elementary Brighton School F AL #566/627 Nat'l #38,691/41,679 Middle Hueytown Middle School F AL #206/257 Nat'l #12,632/14,009 High Pleasant Grove High School F AL #260/305 Nat'l #16,599/17,239

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 57/100

Livability — Hueytown

• Score: 57/100
• State rank: #378
• US rank: #21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hueytown, AL
• County: Jefferson County · 669,185 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 25,533
• Household income: $69,863
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 14% 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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 7%

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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: ▼ -0.60%
• Current HPI: 389.38
• Rent YoY: ▲ 1.60%
• 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

Price history

+140.5% since first listed

14 events — show timeline

• 2026-04-08 Listed $89,000 WAMLS
• 2025-12-22 Rental Removed $1,050 RENTLY
• 2025-11-27 Price Changed $1,050 RENTLY
• 2025-11-14 Price Changed $1,100 RENTLY
• 2025-10-23 Price Changed $1,150 RENTLY
• 2025-09-27 Listed for Rent $1,300 RENTLY
• 2019-05-24 Listed $83,900 Greater Alabama MLS
• 2019-05-24 Sold (MLS) $83,900 Greater Alabama MLS
• 2019-03-07 Sold (Public Records) $58,000 Public Records
• 2015-12-29 Sold (MLS) $27,800 Greater Alabama MLS
• 2015-11-12 Pending — Greater Alabama MLS
• 2015-10-30 Listed $29,000 Greater Alabama MLS
• 2005-03-09 Sold (Public Records) $74,825 Public Records
• 1991-11-01 Sold (Public Records) $37,000 Public Records

Property tax history

+7.4%/yr

Latest (2025): $946 · +0.0% YoY. Source: county tax records.