103 Pine St · Hueytown, AL 35023

$89,000

3 bd · 1.0 ba · 1,020 sqft · SingleFamily public records · 74 Days on market

Built 1941 6,534 sqft lot $87/sqft · 22% below area Est $114k · 22% 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
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• Appreciation +4.7/10.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

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 74 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $89k.

Deal economics

• At list price, monthly cash flow is $403 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $89k).
• Recommended offer: $84k (6.0% below list) — sets the bar for market timing.
• Cap rate 11.7% 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: 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); 255 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $81 of equity ($615 loan paydown + $-534 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 $25k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 74 days — a 6% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 5 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.

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 $83,660 (6.0% below list)

Questions for the listing agent

1. It's been on market 74 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: 1.40% ✓
• Cap rate: 11.73%
• Cash-on-cash: 19.42%
• DSCR: 1.86
• GRM: 5.9

CMA / ARV

• ARV (median comp): $113,689
• List price: $89,000
• Delta: -21.72%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
223 Woodward Dr	0.19mi	3/1.0	988 (-3%)	7mo	$100,000	$101	80
200 Woodward Dr	0.18mi	3/1.0	890 (-13%)	3mo	$102,000	$115	68
1589 Carver St	0.63mi	3/1.0	957 (-6%)	5mo	$120,000	$125	56
2934 Allison Bonnett Memorial Dr	0.66mi	3/1.0	1,076 (+6%)	12mo	$98,000	$91	50
1669 Pleasant Grove Rd	0.32mi	3/2.0	1,144 (+12%)	14mo	$135,000	$118	48
399 Clio St	0.58mi	3/1.0	1,118 (+10%)	15mo	$115,000	$103	45
1719 Robins St	0.46mi	3/1.5	1,152 (+13%)	15mo	$27,000	$23	43

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: 16.5%
• Equity multiple: 1.76×
• Total profit: $18,869
• Equity at exit: $23,205

10-year hold

• IRR: 20.8%
• Equity multiple: 3.07×
• Total profit: $51,534
• Equity at exit: $25,866

Cash invested: $24,920 (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 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 255
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,248 high
• Mortgage (P&I): −$467
• Tax from tax record: −$79 /mo · $946/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$262
• Net cashflow: $403

Break-even live

Break-even rent $738

Max offer price $89,000

Occupancy floor 63%

Sensitivity live

Price	-10% $454	-5% $429	+0% $403	+5% $378	+10% $353
Rent	-10% $305	-5% $354	+0% $403	+5% $453	+10% $502
Rate	-1.0pp $448	-0.5pp $426	base $403	+0.5pp $380	+1.0pp $357

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
216 Pine St Bessemer, AL	3.0	2.0	1000	$1,200	$1.20	45d	1	0.19mi
200 Woodward Dr Bessemer, AL	3.0	1.0	900	$1,123	$1.25	3d	1	0.20mi
1565 Miles St Dolomite, AL	3.0	2.0	1120	$1,175	$1.05	17d	1	0.50mi
1983 Townhouse Ln Bessemer, AL	2.0	2.0	1465	$1,100	$0.75	17d	1	0.61mi
1401 9th Ave Birmingham, AL	3.0	2.0	1222	$1,200	$0.98	45d	1	0.92mi
406 Forest Rd Bessemer, AL	3.0	2.0	1200	$1,175	$0.98	16d	1	0.93mi
1109 12th Ave Birmingham, AL	4.0	2.0	1217	$1,475	$1.21	4d	1	1.18mi
806 12th Ave Birmingham, AL	3.0	1.0	1262	$1,075	$0.85	45d	1	1.34mi
617 8th Ave Birmingham, AL	4.0	2.0	1436	$1,350	$0.94	3d	1	1.37mi
616 Rutledge Dr Birmingham, AL	3.0	1.0	1416	$1,095	$0.77	23d	1	1.39mi
608 5th Ave Midfield, AL	3.0	1.0	1241	$795	$0.64	23d	1	1.41mi
605 10th Ave Birmingham, AL	3.0	1.0	1060	$850	$0.80	45d	1	1.42mi
603 11th Ave Birmingham, AL	3.0	1.0	1289	$1,100	$0.85	45d	1	1.45mi
832 Alden Ave Birmingham, AL	4.0	2.0	1231	$1,150	$0.93	25d	1	1.46mi

Listing history 29 events

1. 2026-06-22
   days on market $89,000 Active 74 DOM
2. 2026-06-18
   days on market $89,000 Active 71 DOM
3. 2026-06-17
   days on market $89,000 Active 70 DOM
4. 2026-06-16
   days on market $89,000 Active 69 DOM
5. 2026-06-15
   days on market $89,000 Active 68 DOM
6. 2026-06-13
   days on market $89,000 Active 66 DOM
7. 2026-06-10
   days on market $89,000 Active 63 DOM
8. 2026-06-09
   days on market $89,000 Active 62 DOM
9. 2026-06-08
   days on market $89,000 Active 61 DOM
10. 2026-06-07
    days on market $89,000 Active 60 DOM
11. 2026-06-03
    days on market $89,000 Active 56 DOM
12. 2026-06-02
    days on market $89,000 Active 55 DOM
13. 2026-06-01
    days on market $89,000 Active 54 DOM
14. 2026-05-31
    days on market $89,000 Active 53 DOM
15. 2026-04-08
    listed $89,000 Active 798-char remark

    Show marketing remark (798 chars)

    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!

16. 2026-04-08
    listed $89,000 Active 798-char remark

    Show marketing remark (798 chars)

    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!

17. 2025-12-22
    historical $1,050
18. 2025-11-27
    price $1,050
19. 2025-11-14
    price $1,100
20. 2025-10-23
    price $1,150
21. 2025-09-27
    listed $1,300
22. 2019-05-24
    soldstatus $83,900
23. 2019-05-24
    listed $83,900
24. 2019-03-07
    soldstatus $58,000
25. 2015-12-29
    soldstatus $27,800 Sold
26. 2015-11-12
    status Pending
27. 2015-10-30
    listed $29,000 Active
28. 2005-03-09
    soldstatus $74,825
29. 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 2/10 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: $14,976
• − Mortgage interest: −$4,985
• − Property taxes: −$946
• − Insurance: −$445
• − Repairs & maintenance: −$1,198
• − Management: −$1,198
• − Depreciation: −$2,589
• Taxable income: $3,615
• Est. tax owed @ 24.0%: −$868
• After-tax cash flow: $3,972/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 — 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 · 527,445 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: 247.0

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: 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%

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

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

15 events — show timeline

• 2026-04-08 Listed $89,000 WAMLS
• 2026-04-08 Listed $89,000 Greater Alabama MLS
• 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.