9777 Deerview Ln · Kimberly, AL 35091

$309,900

3 bd · 3.0 ba · 1,738 sqft · SingleFamily public records · 11 Days on market

Built 2004 0.72 ac lot $178/sqft · 6% below area Est $328k · 6% under ↓ 3% since listing

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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).

• ARV discount +10.0/15.0
• Appreciation +10.0/10.0
• Cash flow +7.1/30.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• DSCR +1.3/10.0
• 1% rule +0.9/10.0

Listing remarks

Welcome home to this beautiful full-brick home featuring a desirable split-bedroom floor plan designed for both comfort and privacy. The inviting foyer opens to a spacious great room, while the formal dining room with vaulted ceilings provides for the perfect setting for family gatherings and entertaining. Real hardwood flooring flows throughout the foyer, great room, and dining room, adding warmth and timeless appeal. Enjoy relaxing on the covered back porch overlooking the backyard with woods behind the home. Take advantage of the full unfinished basement offering abundant storage and endless possibilities for future expansion. Situated in an established neighborhood known for it's conven

Key facts

• Hardwood flooring
• Formal dining room
• Full brick home

Tags

• FULL BRICK HOME
• SPLIT BEDROOM FLOOR PLAN
• FORMAL DINING ROOM
• HARDWOOD FLOORING
• COVERED BACK PORCH
• FULL UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $310k.

Deal economics

• At list price, monthly cash flow is $-440 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $232k (25.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $182k (41.2% below list).
• Recommended offer: $182k (41.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#99 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, health & safety 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: 129 active listings in the ZIP; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $33k of equity ($2k loan paydown + $31k appreciation (10.0% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$53k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• 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 $182,170 (41.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.59% ✗
• Cap rate: 4.59%
• Cash-on-cash: -6.09%
• DSCR: 0.73
• GRM: 14.2

CMA / ARV

• ARV (median comp): $327,944
• List price: $309,900
• Delta: -1.20%
• 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
9792 Deerview Ln	0.08mi	3/2.0	1,894 (+9%)	2mo	$325,000	$172	76
1708 Bone Dry Rd	0.52mi	3/2.0	1,748 (+1%)	4mo	$287,000	$164	67
9188 Hagood Rd	0.56mi	3/2.0	1,700 (-2%)	7mo	$307,000	$181	61
1208 Julie Ln	0.49mi	3/2.0	1,661 (-4%)	10mo	$325,000	$196	58
9510 Pharris Ln	0.73mi	3/2.0	1,753 (+1%)	4mo	$267,000	$152	57
2004 Darwin Cir	0.66mi	3/2.0	1,610 (-7%)	1mo	$295,000	$183	52
9849 Deerview Ln	0.27mi	3/2.0	1,995 (+15%)	8mo	$364,900	$183	52
9268 Promise Trl	0.25mi	3/2.0	1,895 (+9%)	23mo	$294,000	$155	50
2181 Mahaffey Rd	0.21mi	3/2.0	1,514 (-13%)	21mo	$212,500	$140	47
9183 Bill Jones Rd	0.56mi	4/3.0 (+1)	1,928 (+11%)	13mo	$280,000	$145	40
9085 Hagood Rd	0.75mi	3/2.0	1,663 (-4%)	18mo	$250,000	$150	38
2191 Country Cove Dr	0.61mi	3/2.0	1,488 (-14%)	7mo	$265,000	$178	38

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.0%
• Equity multiple: 2.62×
• Total profit: $140,608
• Equity at exit: $279,182

10-year hold

• IRR: 18.3%
• Equity multiple: 6.02×
• Total profit: $435,850
• Equity at exit: $602,068

Cash invested: $86,772 (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 35091

• Home prices YoY: 8.8%
• Active inventory: 129
• Price-to-rent: 14.2×

Monthly cashflow live

• Estimated rent: $1,822 medium
• Mortgage (P&I): −$1,625
• Tax from tax record: −$125 /mo · $1,501/yr
• Insurance: −$129
• HOA: −$0
• Vacancy / Maint / Mgmt: −$383
• Net cashflow: $-440

Break-even live

Break-even rent $2,379

Max offer price $232,132

Occupancy floor —

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: $77,475
• Closing costs: $9,297
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-18
   days on market $309,900 Active 11 DOM
2. 2026-06-17
   days on market $309,900 Active 10 DOM
3. 2026-06-16
   days on market $309,900 Active 9 DOM
4. 2026-06-15
   days on market $309,900 Active 8 DOM
5. 2026-06-13
   days on market $309,900 Active 6 DOM
6. 2026-06-10
   days on market $309,900 Active 3 DOM
7. 2026-06-09
   days on market $309,900 Active 2 DOM
8. 2026-06-08
   remarks 699-char remark
9. 2026-06-08
   pricestatusdays on marketlisting id $309,900 Active 1 DOM
10. 2026-04-29
    price $324,000
11. 2026-02-24
    price $334,000

ⓘ 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: $1,501 · $125/mo
• Projected year-2 tax: $1,501 · $125/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 3/10 Moderate
• 🌡 Heat 6/10 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 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,860
• − Mortgage interest: −$17,359
• − Property taxes: −$1,501
• − Insurance: −$1,550
• − Repairs & maintenance: −$1,749
• − Management: −$1,749
• − Depreciation: −$9,015
• Taxable loss: −$11,062
• Est. tax savings @ 24.0%: +$2,655
• After-tax cash flow: $-2,628/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 — Kimberly

• Score: 66/100
• State rank: #99
• US rank: #11415

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Kimberly, AL
• Population (ZIP): 3,632

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 (92%)
• Race & ethnicity: White 92% Black 5% Two or more races 2%
• Common ancestry: Italian 7% Slovak 4% Lithuanian 3%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 99% English-only · Korean 1% Other Indo-European 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: ▲ 21.37%
• Current HPI: 265.4636
• 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

-3.0% since first listed

2 events — show timeline

• 2026-04-29 Price Changed $324,000 Greater Alabama MLS
• 2026-02-24 Price Changed $334,000 Greater Alabama MLS

Property tax history

+7.3%/yr

Latest (2025): $1,501 · +0.0% YoY. Source: county tax records.