1307 Sierra Ct · Gardendale, AL 35071

$254,900

3 bd · 2.0 ba · 2,106 sqft · SingleFamily public records · 109 Days on market

Built 2006 Est $354k · 28% under $33/mo HOA · 2% 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 +15.6/30.0
• ARV discount +15.0/15.0
• DSCR +4.8/10.0
• 1% rule +3.5/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Here is your chance to snag a diamond in the rough!!! This is a deal. .. WHY? Because the Seller needs to sell it quickly and does not have time to fix it up after tenants moved out. The known issues are: possible plumbing issue with one toilet. Previous leak near fireplace that was repaired - have not seen any water but repair does not look professional. HVAC not functioning properly per tenant. Could use a new roof due to age. Other than that, the home just needs some love. Priced WELL below comps. Don't miss this one. Gardendale schools, commute to Birmingham only about 15-20 minutes. So. .. if having 40-50k worth of equity within the first year or two would be worth some minor repairs and elbow grease to you, I would make an offer on this house yesterday. Activating on 4/30. Appliances stay. Area on top floor that could be finished for another bedroom or bonus room.

Key facts

• Private back yard
• Huge island
• 2 garage spots

Tags

• UNFINISHED BONUS ROOM
• HUGE ISLAND
• NEW LAMINAE WOOD FLOORING
• PRIVATE BACK YARD

Property features AI

Finance

• Other: Living area approximately 1,696 square feet; Directions: I65 North to Exit 271, left on Fieldstown Road 1.2 miles, left on Shady Grove Road 0.8 miles, right into Lexington Park
• HOA & community: No homeowners association; Annual association fee: $400

Exterior

• Parking: Two-car garage with front-facing garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two levels; Built in 2006; Residential property
• Construction: Vinyl siding; Slab foundation
• Exterior features: Public water; Public sewer; Subdivision: Lexington Parc

Interior

• Kitchen: Range; Dishwasher; Microwave drawer
• Bedrooms: Total rooms: 6
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Wood-burning fireplace (one)

🏷️ Possibly a rental listed for sale. The $254,900 price doesn't fit this home's estimated sale value (~$353,808) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $255k.

Deal economics

• At list price, monthly cash flow is $106 ($1k/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 $218k (14.6% below list).
• Recommended offer: $218k (14.6% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 5.5% in Gardendale — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 66/100 on livability (#113 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment 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.
• Zoned schools: Gardendale Elementary School (math 20% / reading 56%, grade F, #263 of 627 statewide, top 42%, 677 students, 48% FRL); Bragg Middle School (math 6% / reading 51%, grade F, #138 of 257 statewide, top 54%, 746 students, 53% FRL); Gardendale High School (math 21% / reading 28%, grade F, #118 of 305 statewide, top 45%, 1,047 students, 48% FRL) — zoned schools at 50% FRL track the district average.
• Market conditions: 98 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 32% 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 $8k 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 109 days — a 9% lower offer ($232k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y 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 $215k; 19% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $217,669 (14.6% below list)

Questions for the listing agent

1. It's been on market 109 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. 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?
6. 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.
7. 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.
8. 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: 6.79%
• Cash-on-cash: 1.78%
• DSCR: 1.08
• GRM: 9.8

CMA / ARV

• ARV (on-the-fly): $353,808
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4252 Sierra Way	0.22mi	3/2.0	2,110 (+0%)	2mo	$314,900	$149	88
1447 Woodridge Pl	0.43mi	4/2.5 (+1)	2,040 (-3%)	4mo	$390,000	$191	65
4488 Sierra Ln	0.29mi	3/2.0	2,354 (+12%)	3mo	$300,000	$127	64
4375 Sierra Dr	0.18mi	4/2.0 (+1)	2,354 (+12%)	4mo	$310,000	$132	64
6255 Northridge Cir	0.57mi	4/2.0 (+1)	2,176 (+3%)	3mo	$349,000	$160	61
4201 Sierra Way	0.35mi	3/2.0	1,852 (-12%)	6mo	$283,000	$153	58
879 Brookline Rd	0.61mi	3/2.0	2,291 (+9%)	10mo	$372,000	$162	49
4560 Shady Grove Ln	0.72mi	3/2.0	1,907 (-9%)	2mo	$445,000	$233	49
4670 Northridge Dr	0.62mi	3/4.0	2,287 (+9%)	2mo	$410,000	$179	48
4583 Shady Grove Ln	0.69mi	4/3.0 (+1)	2,317 (+10%)	1mo	$449,000	$194	41
765 Brookline Cir	0.73mi	3/3.0	2,260 (+7%)	10mo	$379,000	$168	41
4579 Shady Grove Ln	0.69mi	4/3.0 (+1)	2,384 (+13%)	6mo	$423,550	$178	32

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -13.5%
• Equity multiple: 0.51×
• Total profit: $-34,622
• Equity at exit: $38,006

10-year hold

• IRR: -4.6%
• Equity multiple: 0.70×
• Total profit: $-21,704
• Equity at exit: $22,039

Cash invested: $71,372 (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 35071

• Home prices YoY: -21.1%
• Active inventory: 98
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $2,177 medium
• Mortgage (P&I): −$1,337
• Tax from tax record: −$138 /mo · $1,654/yr
• Insurance: −$106
• HOA: −$33
• Vacancy / Maint / Mgmt: −$457
• Net cashflow: $106

Break-even live

Break-even rent $2,043

Max offer price $254,900

Occupancy floor 90%

Sensitivity live

Price	-10% $250	-5% $178	+0% $106	+5% $34	+10% $-38
Rent	-10% $-66	-5% $20	+0% $106	+5% $192	+10% $278
Rate	-1.0pp $234	-0.5pp $171	base $106	+0.5pp $40	+1.0pp $-27

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: $63,725
• Closing costs: $7,647
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1298 Easterwood Blvd Gardendale, AL	3.0	2.0	1895	$1,766	$0.93	45d	1	0.09mi
205 Cottage Dr Gardendale, AL	1.0–3.0	1.0–2.5	1193	$2,472	$2.07	3d	64	0.41mi

HOA detail

• Monthly dues: $33 · $396/yr
• Likely covers: water

Listing history 16 events

1. 2026-06-22
   days on market $254,900 Active 109 DOM
2. 2026-06-18
   days on market $254,900 Active 106 DOM
3. 2026-06-17
   days on market $254,900 Active 105 DOM
4. 2026-06-16
   statusdays on market $254,900 Active 104 DOM
5. 2026-06-02
   status $254,900 Pending 103 DOM
6. 2026-06-01
   days on market $254,900 Active 103 DOM
7. 2026-05-31
   days on market $254,900 Active 102 DOM
8. 2026-05-18
   status Active
9. 2026-04-09
   status Pending
10. 2026-01-30
    status Active
11. 2026-01-25
    status Pending
12. 2026-01-06
    listed $254,900 Active
13. 2022-07-29
    soldstatus $215,000 Sold 885-char remark

    Show marketing remark (885 chars)

    Here is your chance to snag a diamond in the rough!!! This is a deal. .. WHY? Because the Seller needs to sell it quickly and does not have time to fix it up after tenants moved out. The known issues are: possible plumbing issue with one toilet. Previous leak near fireplace that was repaired - have not seen any water but repair does not look professional. HVAC not functioning properly per tenant. Could use a new roof due to age. Other than that, the home just needs some love. Priced WELL below comps. Don't miss this one. Gardendale schools, commute to Birmingham only about 15-20 minutes. So. .. if having 40-50k worth of equity within the first year or two would be worth some minor repairs and elbow grease to you, I would make an offer on this house yesterday. Activating on 4/30. Appliances stay. Area on top floor that could be finished for another bedroom or bonus room.

14. 2022-05-03
    historical Contingent 885-char remark

    Show marketing remark (885 chars)

    Here is your chance to snag a diamond in the rough!!! This is a deal. .. WHY? Because the Seller needs to sell it quickly and does not have time to fix it up after tenants moved out. The known issues are: possible plumbing issue with one toilet. Previous leak near fireplace that was repaired - have not seen any water but repair does not look professional. HVAC not functioning properly per tenant. Could use a new roof due to age. Other than that, the home just needs some love. Priced WELL below comps. Don't miss this one. Gardendale schools, commute to Birmingham only about 15-20 minutes. So. .. if having 40-50k worth of equity within the first year or two would be worth some minor repairs and elbow grease to you, I would make an offer on this house yesterday. Activating on 4/30. Appliances stay. Area on top floor that could be finished for another bedroom or bonus room.

15. 2022-04-22
    listed $190,000 Active 885-char remark

    Show marketing remark (885 chars)

    Here is your chance to snag a diamond in the rough!!! This is a deal. .. WHY? Because the Seller needs to sell it quickly and does not have time to fix it up after tenants moved out. The known issues are: possible plumbing issue with one toilet. Previous leak near fireplace that was repaired - have not seen any water but repair does not look professional. HVAC not functioning properly per tenant. Could use a new roof due to age. Other than that, the home just needs some love. Priced WELL below comps. Don't miss this one. Gardendale schools, commute to Birmingham only about 15-20 minutes. So. .. if having 40-50k worth of equity within the first year or two would be worth some minor repairs and elbow grease to you, I would make an offer on this house yesterday. Activating on 4/30. Appliances stay. Area on top floor that could be finished for another bedroom or bonus room.

16. 2017-12-27
    soldstatus $175,000

ⓘ 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: $1,654 · $138/mo
• Projected year-2 tax: $1,654 · $138/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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 20 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 · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,120
• − Mortgage interest: −$14,278
• − Property taxes: −$1,654
• − Insurance: −$1,274
• − Repairs & maintenance: −$2,090
• − Management: −$2,090
• − HOA: −$396
• − Depreciation: −$7,415
• Taxable loss: −$3,077
• Est. tax savings @ 24.0%: +$738
• After-tax cash flow: $2,008/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 — Gardendale

• Score: 66/100
• State rank: #113
• US rank: #12225

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gardendale, AL
• County: Jefferson County · 527,445 people
• City population: 17,288
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 17,288
• Household income: $82,074
• Rent vs Own: 22.5% rent · 77.5% own
• Severe rent burden: 151.0

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: Predominantly White (69%)
• Race & ethnicity: White 69% Black 21% Two or more races 4% Hispanic / Latino 2% Asian 1%
• Common ancestry: Slovak 3% Serbian 2% Italian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 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: ▼ -55.29%
• Current HPI: 206.7447
• Rent YoY: —
• 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

+45.7% since first listed

9 events — show timeline

• 2026-05-18 Relisted — VMLS
• 2026-04-09 Pending — VMLS
• 2026-01-30 Relisted — VMLS
• 2026-01-25 Pending — VMLS
• 2026-01-06 Listed $254,900 VMLS
• 2022-07-29 Sold (MLS) $215,000 Greater Alabama MLS
• 2022-05-03 Contingent — Greater Alabama MLS
• 2022-04-22 Listed $190,000 Greater Alabama MLS
• 2017-12-27 Sold (Public Records) $175,000 Public Records

Property tax history

+7.1%/yr

Latest (2025): $1,654 · +0.5% YoY. Source: county tax records.