103 Pine St · Hueytown, AL 35023

$116,700

3 bd · 1.0 ba · 1,020 sqft · SingleFamily public records · 62 Days on market

Built 1941 Excellent condition 6,534 sqft lot $114/sqft · 6% below area Est $124k · 6% 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 +24.1/30.0
• ARV discount +10.1/15.0
• DSCR +7.8/10.0
• 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 +1.4/10.0

Listing remarks MLS

Discover this beautifully renovated three-bedroom, one-bathroom home that presents an exceptional opportunity for both homeowners and investors alike. This freshly updated residence features modern finishes throughout, offering move-in-ready convenience. Every detail has been thoughtfully addressed to ensure contemporary comfort and appeal. Priced to sell, this property represents outstanding value in today's market. The attractive price point, combined with rental income potential, makes this home an great for any investor. The convenient location provides easy access to local amenities, dining, and shopping, and Hueytown High School just minutes away. Do not miss this remarkable opportunity to purchase a turnkey property with excellent investment potential. Schedule your showing today!

Key facts

• 6,534 sq ft lot
• Built 1941
• Listed 61 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 $231 ($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: $110k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.7% vs local median 5.9% 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: Hueytown Primary School (653 students, 64% FRL); Hueytown High School (math 7% / reading 20%, grade F, #235 of 305 statewide, top 77%, 1,210 students, 79% FRL) — zoned schools average 72% FRL vs 49% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 323 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals lingering (median 78d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% 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 62 days — a 6% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 11y 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.
• 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 $109,698 (6.0% below list)

Questions for the listing agent

1. It's been on market 62 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1941 — 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. 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?
7. 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.
8. 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.
9. 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: 8.67%
• Cash-on-cash: 8.50%
• DSCR: 1.38
• GRM: 7.9

CMA / ARV

• ARV (median comp): $123,922
• List price: $116,700
• Delta: -5.83%
• Verdict: FAIR
• 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%)	2mo	$141,000	$140	94
223 Woodward Dr	0.19mi	3/1.0	988 (-3%)	10mo	$100,000	$101	77
200 Woodward Dr	0.18mi	3/1.0	890 (-13%)	6mo	$102,000	$115	65
1598 Pleasant Grove Rd	0.58mi	3/1.0	1,092 (+7%)	3mo	$82,500	$76	59
1589 Carver St	0.63mi	3/1.0	957 (-6%)	8mo	$120,000	$125	54
2934 Allison Bonnett Memorial Dr	0.66mi	3/1.0	1,076 (+6%)	15mo	$98,000	$91	47
1669 Pleasant Grove Rd	0.32mi	3/2.0	1,144 (+12%)	18mo	$135,000	$118	46
399 Clio St	0.58mi	3/1.0	1,118 (+10%)	18mo	$115,000	$103	42
1719 Robins St	0.46mi	3/1.5	1,152 (+13%)	18mo	$27,000	$23	40

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: 4.3%
• Equity multiple: 1.19×
• Total profit: $6,341
• Equity at exit: $30,427

10-year hold

• IRR: 9.2%
• Equity multiple: 1.90×
• Total profit: $29,328
• 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 · 3 under contract
• Months of supply: 22.5 mo (4%/mo absorbed)
• Median asking: $89,900 ($84/sqft)
• Median days on market: 69 d
• This list price: 87% of active listings are priced below it
• ARV vs active asking: +44.8% 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: 323
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,229 high
• Mortgage (P&I): −$612
• Tax from tax record: −$79 /mo · $946/yr
• Insurance: −$49
• HOA: −$0
• Vacancy / Maint / Mgmt: −$258
• Net cashflow: $231

Break-even live

Break-even rent $936

Max offer price $116,700

Occupancy floor 76%

Sensitivity live

Price	-10% $297	-5% $264	+0% $231	+5% $198	+10% $165
Rent	-10% $134	-5% $183	+0% $231	+5% $280	+10% $328
Rate	-1.0pp $290	-0.5pp $261	base $231	+0.5pp $201	+1.0pp $170

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 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
106 Pine St Bessemer, AL	3.0	2.0	1086	$1,125	$1.04	4d	1	0.06mi
108 Pine St Bessemer, AL	3.0	2.0	1236	$1,120	$0.91	6d	1	0.07mi
907 Garywood Pl Bessemer, AL	3.0	2.0	936	$1,223	$1.31	6d	1	0.17mi
216 Pine St Bessemer, AL	3.0	2.0	1000	$1,200	$1.20	139d	1	0.19mi
200 Woodward Dr Bessemer, AL	3.0	1.0	900	$1,123	$1.25	97d	1	0.20mi
1740 Pleasant Grove Rd Dolomite, AL	2.0	1.0	852	$1,000	$1.17	6d	1	0.26mi
1565 Miles St Dolomite, AL	3.0	2.0	1120	$1,150	$1.03	93d	1	0.50mi
1983 Townhouse Ln Bessemer, AL	2.0	2.0	1465	$1,100	$0.75	111d	1	0.61mi
327 Carver Ave Bessemer, AL	3.0	2.0	1487	$1,295	$0.87	6d	1	0.78mi
1401 9th Ave Birmingham, AL	3.0	2.0	1222	$1,100	$0.90	80d	1	0.92mi
165 Mabelon Dr Bessemer, AL	3.0	1.0	1000	$1,450	$1.45	0d	1	0.92mi
406 Forest Rd Bessemer, AL	3.0	2.0	1200	$1,125	$0.94	78d	1	0.93mi
513 12th St Midfield, AL	2.0	1.0	936	$850	$0.91	80d	1	1.04mi
1109 12th Ave Birmingham, AL	4.0	2.0	1217	$1,475	$1.21	99d	1	1.18mi
1400 Freda Dr Birmingham, AL	3.0	1.0	1255	$1,035	$0.82	71d	1	1.22mi
806 12th Ave Midfield, AL	3.0	1.0	1262	$875	$0.69	7d	1	1.34mi
1432 12th St Midfield, AL	3.0	1.0	1061	$1,095	$1.03	87d	1	1.35mi
1433 12th St Midfield, AL	3.0	1.0	962	$900	$0.94	0d	1	1.36mi
617 8th Ave Birmingham, AL	4.0	2.0	1436	$1,350	$0.94	85d	1	1.37mi
616 Rutledge Dr Birmingham, AL	3.0	1.0	1416	$1,095	$0.77	117d	1	1.39mi
608 5th Ave Midfield, AL	3.0	1.0	1241	$795	$0.64	117d	1	1.41mi
605 10th Ave Birmingham, AL	3.0	1.0	1060	$850	$0.80	139d	1	1.42mi
603 11th Ave Midfield, AL	3.0	1.0	1289	$1,100	$0.85	7d	1	1.45mi
832 Alden Ave Midfield, AL	4.0	2.0	1231	$1,125	$0.91	7d	1	1.46mi
821 Alden Ave Midfield, AL	3.0	1.0	1099	$895	$0.81	7d	1	1.46mi

Property features AI

Finance

• Other: Lot size approximately 0.15 acresFlood plain: no
• Financial info: Down payment assistance available

Exterior

• Parking: Driveway parking
• Utilities: Public waterConnected sewerElectric water heaterInternet service availability unknown
• Home design: Existing homeSingle-story rooms listed (main level living)Vinyl siding
• Construction: Crawl space foundationVinyl siding construction
• Exterior features: Screened porchNo pool, patio, deck, or garden listedNot waterfront

Interior

• Kitchen: Solid surface countertopsDishwasher (built-in)Electric ovenRefrigerator
• Bedrooms: Master bedroom on main levelTwo additional bedrooms on main level
• Flooring: Vinyl flooring
• Bathrooms: One full bathroom with tub/shower combination on main level
• Heating & cooling: Central heatingCentral electric cooling
• Interior features: Ceilings: other (see remarks)No additional interior features listed
• Laundry & utility: Laundry on main levelWasher hookupGas dryer hookupAttic present

Listing history 50 events

1. 2026-09-24
   days on market $116,700 Active 62 DOM
2. 2026-09-23
   days on market $116,700 Active 61 DOM
3. 2026-09-22
   days on market $116,700 Active 60 DOM
4. 2026-09-21
   days on market $116,700 Active 59 DOM
5. 2026-09-20
   days on market $116,700 Active 58 DOM
6. 2026-09-19
   days on market $116,700 Active 57 DOM
7. 2026-09-18
   days on market $116,700 Active 56 DOM
8. 2026-09-17
   days on market $116,700 Active 55 DOM
9. 2026-09-16
   days on market $116,700 Active 54 DOM
10. 2026-09-15
    days on market $116,700 Active 53 DOM
11. 2026-09-14
    days on market $116,700 Active 52 DOM
12. 2026-09-13
    days on market $116,700 Active 51 DOM
13. 2026-09-12
    days on market $116,700 Active 50 DOM
14. 2026-09-11
    days on market $116,700 Active 49 DOM
15. 2026-09-05
    days on market $116,700 Active 43 DOM
16. 2026-09-04
    days on market $116,700 Active 42 DOM
17. 2026-09-03
    days on market $116,700 Active 41 DOM
18. 2026-08-31
    days on market $116,700 Active 38 DOM
19. 2026-08-30
    days on market $116,700 Active 37 DOM
20. 2026-08-29
    days on market $116,700 Active 36 DOM
21. 2026-08-28
    days on market $116,700 Active 35 DOM
22. 2026-08-27
    days on market $116,700 Active 34 DOM
23. 2026-08-26
    days on market $116,700 Active 33 DOM
24. 2026-08-25
    days on market $116,700 Active 32 DOM
25. 2026-08-24
    days on market $116,700 Active 31 DOM
26. 2026-08-23
    days on market $116,700 Active 30 DOM
27. 2026-08-22
    days on market $116,700 Active 29 DOM
28. 2026-08-21
    days on market $116,700 Active 28 DOM
29. 2026-08-20
    days on market $116,700 Active 27 DOM
30. 2026-08-19
    days on market $116,700 Active 26 DOM
31. 2026-08-18
    days on market $116,700 Active 25 DOM
32. 2026-08-17
    days on market $116,700 Active 24 DOM
33. 2026-08-16
    days on market $116,700 Active 23 DOM
34. 2026-08-15
    days on market $116,700 Active 22 DOM
35. 2026-08-14
    days on market $116,700 Active 21 DOM
36. 2026-08-13
    days on market $116,700 Active 20 DOM
37. 2026-08-12
    days on market $116,700 Active 19 DOM
38. 2026-08-11
    days on market $116,700 Active 18 DOM
39. 2026-08-10
    days on market $116,700 Active 17 DOM
40. 2026-08-09
    days on market $116,700 Active 16 DOM
41. 2026-08-08
    days on market $116,700 Active 15 DOM
42. 2026-08-07
    days on market $116,700 Active 14 DOM
43. 2026-08-06
    days on market $116,700 Active 13 DOM
44. 2026-08-05
    days on market $116,700 Active 12 DOM
45. 2026-08-04
    days on market $116,700 Active 11 DOM
46. 2026-08-03
    days on market $116,700 Active 10 DOM
47. 2026-07-31
    days on market $116,700 Active 7 DOM
48. 2026-07-30
    days on market $116,700 Active 5 DOM
49. 2026-07-28
    days on market $116,700 Active 4 DOM
50. 2026-07-26
    days on marketlisting id $116,700 Active 2 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: $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: $14,747
• − Mortgage interest: −$6,537
• − Property taxes: −$946
• − Insurance: −$584
• − Repairs & maintenance: −$1,180
• − Management: −$1,180
• − Depreciation: −$3,395
• Taxable income: $926
• Est. tax owed @ 24.0%: −$222
• After-tax cash flow: $2,554/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 14/100

Zoned Schools

Elementary Hueytown Primary School Middle Hueytown Middle School F AL #206/257 Nat'l #12,632/14,009 High Hueytown High School F AL #235/305 Nat'l #15,655/17,239

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

Property features AI

Finance

• Other: Lot size approximately 0.15 acresFlood plain: no
• Financial info: Down payment assistance available

Exterior

• Parking: Driveway parking
• Utilities: Public waterConnected sewerElectric water heaterInternet service availability unknown
• Home design: Existing homeSingle-story rooms listed (main level living)Vinyl siding
• Construction: Crawl space foundationVinyl siding construction
• Exterior features: Screened porchNo pool, patio, deck, or garden listedNot waterfront

Interior

• Kitchen: Solid surface countertopsDishwasher (built-in)Electric ovenRefrigerator
• Bedrooms: Master bedroom on main levelTwo additional bedrooms on main level
• Flooring: Vinyl flooring
• Bathrooms: One full bathroom with tub/shower combination on main level
• Heating & cooling: Central heatingCentral electric cooling
• Interior features: Ceilings: other (see remarks)No additional interior features listed
• Laundry & utility: Laundry on main levelWasher hookupGas dryer hookupAttic present

Price history

+215.4% since first listed

16 events — show timeline

• 2026-07-24 Listed $116,700 Greater Alabama MLS
• 2026-07-23 Listed $116,700 WAMLS
• 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.