3107 Alabama Ave NE · Holt, AL 35404

$129,000

3 bd · 1.0 ba · 1,852 sqft · SingleFamily public records · 24 Days on market

Built 1940 0.52 ac lot Est $124k · at est.

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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 +29.7/30.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• ARV discount +5.7/15.0
• Rent growth +4.2/5.0
• Livability +3.0/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming and full of character, this spacious home offers 3 bedrooms plus a bonus room, providing endless flexibility for a home office, guest space, playroom, hobby room, or additional living areas. Inside, you’ll find both a den and a separate living room, creating plenty of space for entertaining, relaxing, or gathering with family and friends. Beautiful hardwood floors add warmth and timeless appeal throughout much of the home, while the functional layout offers comfort and versatility. Step outside and enjoy the large covered front porch, perfect for morning coffee or evening unwinding, along with an open back deck ideal for grilling and outdoor entertaining. The property also fe

Key facts

• Bonus room
• Den
• Separate living room

Tags

• BONUS ROOM
• DEN
• SEPARATE LIVING ROOM
• HARDWOOD FLOORS
• LARGE COVERED FRONT PORCH
• OPEN BACK DECK

Property features AI

Exterior

• Parking: Detached garage; Driveway; 1 garage space
• Utilities: Cable available; Septic tank
• Home design: Single-family residence; One level
• Construction: Asbestos construction materials; Composition/shingle roof; Crawl space foundation
• Exterior features: Outdoor lighting; Covered patio/porch; Deck; Patio; Shed(s)

Interior

• Kitchen: Electric oven; Electric range; Refrigerator; Gas water heater
• Flooring: Hardwood floors
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Heat pump; Electric cooling; Ceiling fans
• Interior features: Ceiling fans; Blinds; Fireplace (1); See remarks
• Laundry & utility: Laundry room on main level; Inside laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $129k.

Deal economics

• At list price, monthly cash flow is $469 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $129k).
• Recommended offer: $127k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 59/100 on livability (#317 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: health & safety D, amenities F, commute F.
• Tuscaloosa County (suburban): math 21% / reading 45% proficiency, ranked #47 of 129 in AL (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Holt Elementary School (math 16% / reading 35%, grade F, #411 of 627 statewide, top 66%, 462 students, 87% FRL); Holt High School (math 12% / reading 17%, grade F, #220 of 305 statewide, top 77%, 435 students, 90% FRL) — zoned schools average 89% FRL vs 45% district-wide (43 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 20% at this address vs 33% district-wide (-13 pts) — the specific schools serving this property underperform the Tuscaloosa County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+6.8%/yr); 167 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 622 units permitted in Tuscaloosa County in 2024 (69 in 5+ unit buildings).
• This rent runs 42% of the median local income ($49k/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 $892 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Tuscaloosa County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 6.8% rent growth), your $36k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $49k; list at $129k implies a 163% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 56% 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 $127,065 (1.5% below list)

Questions for the listing agent

1. Built in 1940 — 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. 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: 1.33% ✓
• Cap rate: 10.65%
• Cash-on-cash: 15.58%
• DSCR: 1.69
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $124,084
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3905 17th St NE	0.66mi	4/2.0 (+1)	1,800 (-3%)	11mo	$119,900	$67	46

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 · 6.81% rent growth · sell at horizon

5-year hold

• IRR: 10.6%
• Equity multiple: 1.44×
• Total profit: $15,839
• Equity at exit: $19,234

10-year hold

• IRR: 22.6%
• Equity multiple: 3.29×
• Total profit: $82,773
• Equity at exit: $11,154

Cash invested: $36,120 (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 35404

• Rents YoY: 6.8%
• Active inventory: 167
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,722 medium
• Mortgage (P&I): −$676
• Tax est. 1.5%: −$161 /mo · $1,935/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$362
• Net cashflow: $469

Break-even live

Break-even rent $1,128

Max offer price $129,000

Occupancy floor 68%

Sensitivity live

Price	-10% $558	-5% $513	+0% $469	+5% $424	+10% $380
Rent	-10% $333	-5% $401	+0% $469	+5% $537	+10% $605
Rate	-1.0pp $534	-0.5pp $502	base $469	+0.5pp $435	+1.0pp $401

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: $32,250
• Closing costs: $3,870
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3313 Alabama Ave NE Tuscaloosa, AL	4.0	2.0	1380	$1,500	$1.09	44d	1	0.29mi
30 Thornbury Tuscaloosa, AL	3.0	2.0	1537	$1,800	$1.17	44d	1	1.34mi

Listing history 20 events

1. 2026-06-21
   days on market $129,000 Active 24 DOM
2. 2026-06-18
   days on market $129,000 Active 21 DOM
3. 2026-06-17
   days on market $129,000 Active 20 DOM
4. 2026-06-16
   days on market $129,000 Active 19 DOM
5. 2026-06-15
   days on market $129,000 Active 18 DOM
6. 2026-06-14
   days on market $129,000 Active 16 DOM
7. 2026-06-13
   days on market $129,000 Active 15 DOM
8. 2026-06-10
   days on market $129,000 Active 13 DOM
9. 2026-06-09
   days on market $129,000 Active 12 DOM
10. 2026-06-09
    price $129,000 Active 11 DOM
11. 2026-06-08
    days on market $140,000 Active 11 DOM
12. 2026-06-07
    days on market $140,000 Active 10 DOM
13. 2026-06-05
    days on market $140,000 Active 7 DOM
14. 2026-06-03
    days on market $140,000 Active 6 DOM
15. 2026-06-02
    days on market $140,000 Active 5 DOM
16. 2026-06-01
    days on market $140,000 Active 4 DOM
17. 2026-05-31
    days on market $140,000 Active 3 DOM
18. 2026-05-30
    days on market $140,000 Active 2 DOM
19. 2026-05-28
    listed $140,000 Active
20. 2012-03-01
    soldstatus $49,050

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 56% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,664
• − Mortgage interest: −$7,226
• − Property taxes: −$1,935
• − Insurance: −$645
• − Repairs & maintenance: −$1,653
• − Management: −$1,653
• − Depreciation: −$3,753
• Taxable income: $3,799
• Est. tax owed @ 24.0%: −$912
• After-tax cash flow: $4,715/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: Tuscaloosa County
• NCES district ID: 0103390
• Math proficiency: 21% ▼ -24.00%
• Reading proficiency: 45% ▲ 2.00%
• Median HH income: $53,000
• Composite: 28.88/100
• National rank: #6641
• State rank: #47 of 129 in AL

Livability — Holt

• Score: 59/100
• State rank: #317
• US rank: #19673

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Holt, AL
• County: Tuscaloosa County · 206,491 people
• City population: 23,553
• Metro: Tuscaloosa, AL
• Population (ZIP): 22,445
• Household income: $48,932
• Rent vs Own: 56.5% rent · 43.5% own
• Severe rent burden: 1531.0

Population outlook (Tuscaloosa County) Hauer SSP2

• Today (2025): 228,293 people
• By 2030: 240,551 · +5.4%
• By 2040: 263,856 · +15.6%
• By 2050: 286,491 · +25.5%
• By 2075: 335,783 · +47.1%
• By 2100: 370,520 · +62.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: Black 46% White 44% Hispanic / Latino 8% Two or more races 5% Asian 1%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Italian 2% Slovak 1% Serbian 1%
• Foreign-born: 6% · Canada, South Korea
• Languages at home: 91% English-only · Spanish 7%

Political lean MEDSL · Tuscaloosa

• 2024 margin: Strong R (+20.4) · D 39.4% · R 59.8%
• 2008→2024 swing: -4.4pp toward R · 2008: -16.0pp · 2024: -20.4pp
• All cycles: 2024: R+20.4 2020: R+14.8 2016: R+19.5 2012: R+17.4 2008: R+16.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -103.00%
• Current HPI: 170.026
• Rent YoY: ▲ 6.81%
• Metro: Tuscaloosa, 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

+185.4% since first listed

2 events — show timeline

• 2026-05-28 Listed $140,000 WAMLS
• 2012-03-01 Sold (Public Records) $49,050 Public Records

Property tax history

+2.0%/yr

Latest (2025): $180 · +8.8% YoY. Source: county tax records.