508 W 4th Ave · York, AL 36925

$55,000

3 bd · 1.0 ba · 1,439 sqft · SingleFamily public records · 412 Days on market

Built 1927 $38/sqft · at area comps Est $56k · 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +8.1/15.0
• Appreciation +3.1/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0

Listing remarks MLS

!!!PRICE IMPROVEMENT!!! BRING OFFER!!! THIS COULD BE YOUR NEXT PROJECT!! THIS FULL BRICK HOME LIES RIGHT IN THE HEART OF THE CITY! ITS NEAR TO SCHOOLS, STORES, AND MAJOR HIGHWAYS. LESS THAN 10 MINS AWAY FROM THE UWA!! SCHEDULE YOUR SHOWING!! SOLD-AS-IS

Key facts

• Near schools
• Near major highways
• Heart of the city

Tags

• FULL BRICK HOME
• HEART OF THE CITY
• NEAR SCHOOLS
• NEAR STORES
• NEAR MAJOR HIGHWAYS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $561 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $48k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 55/100 on livability (#429 in AL) — a working-class tenant base; expect higher turnover. Strengths: crime A+, cost of living A+; Watch: schools F, amenities F, commute F.
• Sumter County (rural): math 2% / reading 18% proficiency, ranked #124 of 129 in AL (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 93% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 10 active listings in the ZIP; 4 units permitted in Sumter County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $380 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Sumter County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 412 days — a 12% lower offer ($48k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $15k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $38k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1927 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 76% 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 $48,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 412 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1927 — 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. 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: 2.04% ✓
• Cap rate: 18.54%
• Cash-on-cash: 43.73%
• DSCR: 2.95
• GRM: 4.1

CMA / ARV

• ARV (median comp): $55,706
• List price: $55,000
• Delta: -1.27%
• Verdict: FAIR
• Comps: 9 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 40.6%
• Equity multiple: 2.74×
• Total profit: $26,813
• Equity at exit: $8,201

10-year hold

• IRR: 46.9%
• Equity multiple: 5.50×
• Total profit: $69,300
• Equity at exit: $4,755

Cash invested: $15,400 (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 36925

• Home prices YoY: -5.2%
• Active inventory: 10
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $1,120 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$13 /mo · $151/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$235
• Net cashflow: $561

Break-even live

Break-even rent $410

Max offer price $55,000

Occupancy floor 45%

Sensitivity live

Price	-10% $592	-5% $577	+0% $561	+5% $546	+10% $530
Rent	-10% $473	-5% $517	+0% $561	+5% $605	+10% $650
Rate	-1.0pp $589	-0.5pp $575	base $561	+0.5pp $547	+1.0pp $532

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: $13,750
• Closing costs: $1,650
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-19
   days on market $55,000 Active 412 DOM
2. 2026-06-18
   days on market $55,000 Active 411 DOM
3. 2026-06-17
   days on market $55,000 Active 410 DOM
4. 2026-06-16
   days on market $55,000 Active 409 DOM
5. 2026-06-15
   days on market $55,000 Active 408 DOM
6. 2026-06-14
   days on market $55,000 Active 406 DOM
7. 2026-06-12
   days on market $55,000 Active 405 DOM
8. 2026-06-09
   days on market $55,000 Active 402 DOM
9. 2026-06-08
   days on market $55,000 Active 401 DOM
10. 2026-06-07
    days on market $55,000 Active 400 DOM
11. 2026-06-05
    days on market $55,000 Active 397 DOM
12. 2026-06-03
    days on market $55,000 Active 396 DOM
13. 2026-06-02
    days on market $55,000 Active 395 DOM
14. 2026-06-01
    days on market $55,000 Active 394 DOM
15. 2026-05-31
    days on market $55,000 Active 393 DOM
16. 2026-05-30
    days on market $55,000 Active 392 DOM
17. 2026-01-04
    status Active 252-char remark

    Show marketing remark (252 chars)

    !!!PRICE IMPROVEMENT!!! BRING OFFER!!! THIS COULD BE YOUR NEXT PROJECT!! THIS FULL BRICK HOME LIES RIGHT IN THE HEART OF THE CITY! ITS NEAR TO SCHOOLS, STORES, AND MAJOR HIGHWAYS. LESS THAN 10 MINS AWAY FROM THE UWA!! SCHEDULE YOUR SHOWING!! SOLD-AS-IS

18. 2025-07-22
    price $55,000 252-char remark

    Show marketing remark (252 chars)

    !!!PRICE IMPROVEMENT!!! BRING OFFER!!! THIS COULD BE YOUR NEXT PROJECT!! THIS FULL BRICK HOME LIES RIGHT IN THE HEART OF THE CITY! ITS NEAR TO SCHOOLS, STORES, AND MAJOR HIGHWAYS. LESS THAN 10 MINS AWAY FROM THE UWA!! SCHEDULE YOUR SHOWING!! SOLD-AS-IS

19. 2025-04-23
    listed $69,900 Active 252-char remark

    Show marketing remark (252 chars)

    !!!PRICE IMPROVEMENT!!! BRING OFFER!!! THIS COULD BE YOUR NEXT PROJECT!! THIS FULL BRICK HOME LIES RIGHT IN THE HEART OF THE CITY! ITS NEAR TO SCHOOLS, STORES, AND MAJOR HIGHWAYS. LESS THAN 10 MINS AWAY FROM THE UWA!! SCHEDULE YOUR SHOWING!! SOLD-AS-IS

20. 2013-05-20
    soldstatus $37,700

ⓘ 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: $151 · $13/mo
• Projected year-2 tax: $226 · $19/mo
• Expected delta: +$75/yr (+$6/mo · 49.3%)

ⓘ 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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,445
• − Mortgage interest: −$3,081
• − Property taxes: −$151
• − Insurance: −$275
• − Repairs & maintenance: −$1,076
• − Management: −$1,076
• − Depreciation: −$1,600
• Taxable income: $6,187
• Est. tax owed @ 24.0%: −$1,485
• After-tax cash flow: $5,249/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: Sumter County
• NCES district ID: 0103090
• Math proficiency: 2% ▼ -19.00%
• Reading proficiency: 18% ▼ -3.00%
• Median HH income: $22,830
• Composite: 6.96/100
• National rank: #9972
• State rank: #124 of 129 in AL

Livability — York

• Score: 55/100
• State rank: #429
• US rank: #23192

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: York, AL
• Population (ZIP): 3,322

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 12,289 people
• By 2030: 11,899 · -3.2%
• By 2040: 11,250 · -8.5%
• By 2050: 10,972 · -10.7%
• By 2075: 12,179 · -0.9%
• By 2100: 13,454 · +9.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (86%)
• Race & ethnicity: Black 86% White 12% Two or more races 2%
• Common ancestry: British 1% Italian 1%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Chinese 1%

Political lean MEDSL · Sumter

• 2024 margin: Solid D (+41.2) · D 70.3% · R 29.1%
• 2008→2024 swing: -9.1pp toward R · 2008: 50.3pp · 2024: 41.2pp
• All cycles: 2024: D+41.2 2020: D+48.5 2016: D+49.4 2012: D+54.6 2008: D+50.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -3.72%
• Current HPI: 67.5075
• 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

+45.9% since first listed

4 events — show timeline

• 2026-01-04 Relisted — WAMLS
• 2025-07-22 Price Changed $55,000 WAMLS
• 2025-04-23 Listed $69,900 WAMLS
• 2013-05-20 Sold (Public Records) $37,700 Public Records

Property tax history

+0.0%/yr

Latest (2015): $151 · +0.0% YoY. Source: county tax records.