1721 Bradford Ln · Bessemer, AL 35022

$244,900

3 bd · 2.0 ba · 1,566 sqft · SingleFamily public records · 108 Days on market

Built 1994 0.25 ac lot $156/sqft · 8% below area Est $266k · 8% under $13/mo HOA · 1% of rent

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Why this score? — see what drove the D+ 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 +17.2/30.0
• ARV discount +11.0/15.0
• DSCR +5.4/10.0
• Rent growth +5.0/5.0
• 1% rule +3.5/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Check out this great new listing in Bradford Park! This 3-bedroom, 2-bath home features a split bedroom layout, vaulted ceilings, and a versatile bonus room perfect for an office or dining area. Enjoy new HVAC and new water heater, plus a fenced backyard with a custom shed, all conveniently located near hospital, shopping, and dining. Don't miss out!

Key facts

• New hvac
• Bonus room
• New water heater

Tags

• SPLIT BEDROOM LAYOUT
• BONUS ROOM
• NEW HVAC
• NEW WATER HEATER
• FENCED BACKYARD
• CUSTOM SHED

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $245k.

Deal economics

• At list price, monthly cash flow is $175 ($2k/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 $209k (14.6% below list).
• Recommended offer: $209k (14.6% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 5.9% in Bessemer — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 59/100 on livability (#331 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A; Watch: schools 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.
• Market conditions: Rents rising fast (+14.8%/yr); 311 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 31% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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 108 days — a 9% lower offer ($223k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $98k; list at $245k implies a 151% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 46% 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 $209,052 (14.6% below list)

Questions for the listing agent

1. It's been on market 108 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 D-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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.85% ✗
• Cap rate: 7.15%
• Cash-on-cash: 3.06%
• DSCR: 1.14
• GRM: 9.8

CMA / ARV

• ARV (median comp): $265,606
• List price: $244,900
• Delta: -7.80%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1705 Bradford Ln	0.06mi	3/2.0	1,499 (-4%)	2mo	$270,000	$180	88
5397 Summerset Way	0.47mi	3/2.0	1,560 (-0%)	4mo	$240,100	$154	75
4501 Rosser Farms Pkwy	0.36mi	3/2.0	1,618 (+3%)	4mo	$299,900	$185	74
4456 Rosser Farms Pkwy	0.48mi	3/2.0	1,618 (+3%)	4mo	$314,900	$195	69
4551 Rosser Loop Dr	0.31mi	3/2.0	1,386 (-12%)	4mo	$253,000	$183	63
4481 Rosser Farms Pkwy	0.36mi	4/2.0 (+1)	1,774 (+13%)	5mo	$314,400	$177	52
4489 Rosser Farms Pkwy	0.36mi	4/2.0 (+1)	1,774 (+13%)	5mo	$305,250	$172	52
5563 Post Oak Trl	0.53mi	4/2.0 (+1)	1,774 (+13%)	0mo	$350,000	$197	48
4473 Rosser Farms Pkwy	0.49mi	4/2.0 (+1)	1,774 (+13%)	4mo	$329,900	$186	47
4469 Rosser Farms Pkwy	0.49mi	4/2.0 (+1)	1,774 (+13%)	4mo	$319,900	$180	47
1422 Hudson Ave	0.48mi	4/3.0 (+1)	1,792 (+14%)	2mo	$140,000	$78	43
1311 Fulton Dr	0.72mi	4/1.5 (+1)	1,395 (-11%)	6mo	$164,000	$118	37

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -6.6%
• Equity multiple: 0.74×
• Total profit: $-17,605
• Equity at exit: $36,515

10-year hold

• IRR: 7.8%
• Equity multiple: 1.71×
• Total profit: $48,879
• Equity at exit: $21,174

Cash invested: $68,572 (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 35022

• Home prices YoY: -20.2%
• Rents YoY: 14.8%
• Active inventory: 311
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $2,091 high
• Mortgage (P&I): −$1,284
• Tax from tax record: −$77 /mo · $929/yr
• Insurance: −$102
• HOA: −$13
• Vacancy / Maint / Mgmt: −$439
• Net cashflow: $175

Break-even live

Break-even rent $1,869

Max offer price $244,900

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: $61,225
• Closing costs: $7,347
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5124 Candle Brook Ter Bessemer, AL	3.0	2.0	1925	$1,990	$1.03	3d	1	0.35mi
4737 Rosser Loop Dr Bessemer, AL	3.0	2.0	1638	$1,886	$1.15	2d	1	0.44mi
5725 Riverbirch Dr Bessemer, AL	3.0	2.0	1620	$2,050	$1.27	2d	1	1.07mi
505 Westchester Dr Bessemer, AL	4.0	2.0	1706	$1,850	$1.08	44d	1	1.24mi
63 Carriage House Rd SW Bessemer, AL	3.0	2.0	1802	$1,780	$0.99	16d	1	1.25mi

HOA detail

• Monthly dues: $13 · $156/yr
• Likely covers: water

Listing history 16 events

1. 2026-06-18
   days on market $244,900 Active 108 DOM
2. 2026-06-17
   days on market $244,900 Active 107 DOM
3. 2026-06-16
   days on market $244,900 Active 106 DOM
4. 2026-06-15
   days on market $244,900 Active 105 DOM
5. 2026-06-13
   days on market $244,900 Active 103 DOM
6. 2026-06-10
   days on market $244,900 Active 100 DOM
7. 2026-06-09
   days on market $244,900 Active 99 DOM
8. 2026-06-08
   days on market $244,900 Active 98 DOM
9. 2026-06-07
   remarks 353-char remark
10. 2026-06-07
    pricedays on market $244,900 Active 97 DOM
11. 2026-06-03
    days on market $254,900 Active 93 DOM
12. 2026-06-02
    days on market $254,900 Active 92 DOM
13. 2026-06-01
    days on market $254,900 Active 91 DOM
14. 2026-05-31
    days on market $254,900 Active 90 DOM
15. 2026-03-02
    listed $254,900 Active 352-char remark

    Show marketing remark (352 chars)

    Check out this great new listing in Bradford Park! This 3-bedroom, 2-bath home features a split bedroom layout, vaulted ceilings, and a versatile bonus room perfect for an office or dining area. Enjoy new HVAC and new water heater, plus a fenced backyard with a custom shed, all conveniently located near hospital, shopping, and dining. Don't miss out!

16. 1995-04-21
    soldstatus $97,700

ⓘ 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: $929 · $77/mo
• Projected year-2 tax: $1,004 · $84/mo
• Expected delta: +$75/yr (+$6/mo · 8.1%)

ⓘ 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 ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 46% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,086
• − Mortgage interest: −$13,718
• − Property taxes: −$929
• − Insurance: −$1,224
• − Repairs & maintenance: −$2,007
• − Management: −$2,007
• − HOA: −$156
• − Depreciation: −$7,124
• Taxable loss: −$2,079
• Est. tax savings @ 24.0%: +$499
• After-tax cash flow: $2,597/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 — Bessemer

• Score: 59/100
• State rank: #331
• US rank: #20078

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 23,126
• Household income: $81,846
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 554.0

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: Black 53% White 41% Hispanic / Latino 3% Two or more races 2% Asian 1%
• Common ancestry: Italian 1% Slovak 1% Iranian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 96% English-only · Spanish 3% Chinese 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: ▼ -55.40%
• Current HPI: 219.3839
• Rent YoY: ▲ 14.80%
• 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

+160.9% since first listed

2 events — show timeline

• 2026-03-02 Listed $254,900 Greater Alabama MLS
• 1995-04-21 Sold (Public Records) $97,700 Public Records

Property tax history

+5.9%/yr

Latest (2023): $929 · +19.0% YoY. Source: county tax records.