120 Springdale Ave · Hueytown, AL 35023

$95,000

3 bd · 2.0 ba · 1,998 sqft · SingleFamily public records · 342 Days on market

Built 1952 Good condition 7,405 sqft lot $48/sqft · 67% below area Est $143k · 33% under

---

Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +4.7/10.0
• Condition / age +3.8/5.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Schools +1.4/10.0

Listing remarks MLS

MOVE IN READY & NEW PRICE! Adorable Cottage style home with covered front porch in the heart of Hueytown! Newly remodeled kitchen and bath! Brand new dishwasher, kitchen countertops, farmhouse sink, paint & backsplash. Low maintenance vinyl siding, pretty laminate flooring, new carpet in bedrooms, new HVAC in 2020 and brand new compressor in 2025, roof replaced in 2014, new shower and bathroom vanity. This home is close to interstates, schools, churches, community swimming pool, shopping and more! Perfect for first time home buyers or someone wishing to downsize into a low maintenance home. Only 15 minutes from downtown & UAB!

Key facts

• Covered front porch
• New hvac
• Farmhouse sink

Tags

• COVERED FRONT PORCH
• NEWLY REMODELED KITCHEN
• NEW DISHWASHER
• KITCHEN COUNTERTOPS
• FARMHOUSE SINK
• NEW HVAC

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $95k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $542 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $84k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.1% vs local median 5.9% in Hueytown — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment 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.
• Zoned schools: Hueytown Intermediate School (math 11% / reading 35%, grade F, #431 of 627 statewide, top 69%, 481 students, 63% FRL); Hueytown Middle School (math 0% / reading 30%, grade F, #206 of 257 statewide, top 80%, 789 students, 62% FRL); Hueytown High School (math 7% / reading 20%, grade F, #235 of 305 statewide, top 77%, 1,210 students, 79% FRL) — zoned schools average 68% FRL vs 49% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 323 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals lingering (median 86d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• In year one you build about $87 of equity ($657 loan paydown + $-570 appreciation (-0.6% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-0.6% appreciation + 1.6% rent growth), your $27k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 342 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $80k; 19% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• 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 $83,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 342 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 1952 — 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. 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. 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.
8. 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.
9. 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: 1.51% ✓
• Cap rate: 13.14%
• Cash-on-cash: 24.46%
• DSCR: 2.09
• GRM: 5.5

CMA / ARV

• ARV (median comp): $142,550
• List price: $95,000
• Delta: -33.36%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
210 Ridgeway Rd	0.24mi	3/1.0	1,850 (-7%)	0mo	$141,000	$76	72
102 E Crest Rd	0.38mi	4/2.0 (+1)	1,998 (0%)	13mo	$200,000	$100	66
403 Patterson Ave	0.68mi	3/2.5	1,995 (-0%)	1mo	$399,000	$200	65
4738 Monica Dr	0.28mi	4/2.0 (+1)	1,876 (-6%)	11mo	$240,000	$128	63
317 Wickstead Rd	0.67mi	3/2.0	2,060 (+3%)	6mo	$155,000	$75	59
1458 Hueytown Rd	0.61mi	4/2.0 (+1)	1,968 (-2%)	8mo	$65,000	$33	58
130 Huey Ln	0.43mi	4/2.0 (+1)	1,823 (-9%)	9mo	$140,000	$77	53
320 South Pkwy	0.35mi	3/2.5	2,241 (+12%)	12mo	$255,000	$114	51
121 W Crest Rd	0.47mi	4/3.0 (+1)	1,722 (-14%)	1mo	$222,500	$129	45
314 Wickstead Rd	0.65mi	3/2.0	1,788 (-10%)	10mo	$150,000	$84	43
216 Holly St	0.73mi	4/2.0 (+1)	1,846 (-8%)	6mo	$190,000	$103	43
120 Winston Ct	0.63mi	3/2.5	1,797 (-10%)	16mo	$239,000	$133	39

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

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold

• IRR: 22.1%
• Equity multiple: 2.02×
• Total profit: $27,098
• Equity at exit: $24,769

10-year hold

• IRR: 26.0%
• Equity multiple: 3.62×
• Total profit: $69,601
• Equity at exit: $27,610

Cash invested: $26,600 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 9 active · 7 under contract
• Months of supply: 7.7 mo (13%/mo absorbed)
• Median asking: $195,000 ($109/sqft)
• Median days on market: 69 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -34.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 323
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,431 high
• Mortgage (P&I): −$498
• Tax from tax record: −$50 /mo · $606/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$300
• Net cashflow: $542

Break-even live

Break-even rent $745

Max offer price $95,000

Occupancy floor 57%

Sensitivity live

Price	-10% $596	-5% $569	+0% $542	+5% $515	+10% $488
Rent	-10% $429	-5% $486	+0% $542	+5% $599	+10% $655
Rate	-1.0pp $590	-0.5pp $566	base $542	+0.5pp $518	+1.0pp $493

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: $23,750
• Closing costs: $2,850
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
123 Westbrook Rd Bessemer, AL	3.0	2.0	1427	$1,275	$0.89	140d	1	0.12mi
106 Lindberg Rd Bessemer, AL	3.0	2.0	1554	$1,385	$0.89	117d	1	0.14mi
115 Pierson Cir Bessemer, AL	3.0	2.0	1498	$1,450	$0.97	4d	1	0.77mi
3269 Allison Bonnett Memorial Dr Bessemer, AL	3.0	2.0	1306	$1,435	$1.10	110d	1	0.80mi
327 Carver Ave Bessemer, AL	3.0	2.0	1487	$1,295	$0.87	6d	1	1.01mi
122 Highland Dr Bessemer, AL	4.0	2.0	1284	$1,550	$1.21	0d	1	1.13mi
315 Pope Dr Bessemer, AL	3.0	2.0	1292	$1,200	$0.93	86d	1	1.21mi
216 Meadowood Ave Bessemer, AL	3.0	1.0	1430	$1,250	$0.87	98d	1	1.28mi
111 Meadowood Ave Bessemer, AL	4.0	2.0	1651	$1,630	$0.99	62d	1	1.33mi
121 Nabors Ave Bessemer, AL	4.0	2.0	1388	$1,565	$1.13	0d	1	1.35mi
1983 Townhouse Ln Bessemer, AL	2.0	2.0	1465	$1,100	$0.75	111d	1	1.36mi
531 Tinker St Bessemer, AL	4.0	2.0	1766	$2,250	$1.27	62d	1	1.43mi

Listing history 50 events

1. 2026-09-24
   days on market $95,000 Active 342 DOM
2. 2026-09-23
   days on market $95,000 Active 341 DOM
3. 2026-09-22
   days on market $95,000 Active 340 DOM
4. 2026-09-21
   days on market $95,000 Active 339 DOM
5. 2026-09-20
   days on market $95,000 Active 338 DOM
6. 2026-09-19
   days on market $95,000 Active 337 DOM
7. 2026-09-18
   days on market $95,000 Active 336 DOM
8. 2026-09-17
   pricedays on market $95,000 Active 335 DOM
9. 2026-09-16
   days on market $114,500 Active 334 DOM
10. 2026-09-15
    days on market $114,500 Active 333 DOM
11. 2026-09-14
    days on market $114,500 Active 332 DOM
12. 2026-09-13
    days on market $114,500 Active 331 DOM
13. 2026-09-12
    days on market $114,500 Active 330 DOM
14. 2026-09-11
    days on market $114,500 Active 329 DOM
15. 2026-09-05
    days on market $114,500 Active 323 DOM
16. 2026-09-04
    days on market $114,500 Active 322 DOM
17. 2026-09-03
    days on market $114,500 Active 321 DOM
18. 2026-08-31
    days on market $114,500 Active 318 DOM
19. 2026-08-30
    days on market $114,500 Active 317 DOM
20. 2026-08-28
    days on market $114,500 Active 315 DOM
21. 2026-08-27
    days on market $114,500 Active 314 DOM
22. 2026-08-26
    days on market $114,500 Active 313 DOM
23. 2026-08-25
    days on market $114,500 Active 312 DOM
24. 2026-08-24
    days on market $114,500 Active 311 DOM
25. 2026-08-23
    days on market $114,500 Active 310 DOM
26. 2026-08-22
    days on market $114,500 Active 309 DOM
27. 2026-08-21
    days on market $114,500 Active 308 DOM
28. 2026-08-20
    days on market $114,500 Active 307 DOM
29. 2026-08-19
    days on market $114,500 Active 306 DOM
30. 2026-08-18
    days on market $114,500 Active 305 DOM
31. 2026-08-17
    days on market $114,500 Active 304 DOM
32. 2026-08-16
    days on market $114,500 Active 303 DOM
33. 2026-08-15
    days on market $114,500 Active 302 DOM
34. 2026-08-14
    days on market $114,500 Active 301 DOM
35. 2026-08-13
    days on market $114,500 Active 300 DOM
36. 2026-08-12
    days on market $114,500 Active 299 DOM
37. 2026-08-11
    days on market $114,500 Active 298 DOM
38. 2026-08-10
    days on market $114,500 Active 297 DOM
39. 2026-08-09
    days on market $114,500 Active 296 DOM
40. 2026-08-08
    days on market $114,500 Active 295 DOM
41. 2026-08-07
    days on market $114,500 Active 294 DOM
42. 2026-08-06
    days on market $114,500 Active 293 DOM
43. 2026-08-05
    days on market $114,500 Active 292 DOM
44. 2026-08-04
    days on market $114,500 Active 291 DOM
45. 2026-08-03
    days on market $114,500 Active 290 DOM
46. 2026-07-31
    days on market $114,500 Active 287 DOM
47. 2026-07-30
    days on market $114,500 Active 285 DOM
48. 2026-07-28
    days on market $114,500 Active 284 DOM
49. 2026-07-26
    days on market $114,500 Active 282 DOM
50. 2026-07-24
    days on market $114,500 Active 280 DOM

ⓘ 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: $606 · $50/mo
• Projected year-2 tax: $606 · $50/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 ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,171
• − Mortgage interest: −$5,321
• − Property taxes: −$606
• − Insurance: −$475
• − Repairs & maintenance: −$1,374
• − Management: −$1,374
• − Depreciation: −$2,764
• Taxable income: $5,258
• Est. tax owed @ 24.0%: −$1,262
• After-tax cash flow: $5,244/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.

Condition & rehab AI · 9 photos

Good 75/100 Cosmetic rehab Est. rehab $9,990–$29,970 screening

This move-in ready home is in good condition with recent updates, including a new kitchen and bath. It's located in a desirable area with low maintenance features and a well-maintained exterior.

Value-add opportunities

• Resale Paint the exterior — Enhances curb appeal and home value. ↑
• Both Replace the front porch steps — Improves safety and adds value for both resale and rental. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 14/100

Zoned Schools

Elementary Hueytown Primary School Middle Hueytown Middle School F AL #206/257 Nat'l #12,632/14,009 High Hueytown High School F AL #235/305 Nat'l #15,655/17,239

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

D Composite livability gradescore 57/100

Livability — Hueytown

• Score: 57/100
• State rank: #378
• US rank: #21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hueytown, AL
• County: Jefferson County · 669,185 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 25,533
• Household income: $69,863
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 14% of renters

---

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: White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 7%

---

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: ▼ -0.60%
• Current HPI: 389.38
• Rent YoY: ▲ 1.60%
• 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

+154.4% since first listed

7 events — show timeline

• 2026-01-28 Price Changed $114,500 Greater Alabama MLS
• 2025-11-18 Price Changed $119,900 Greater Alabama MLS
• 2025-10-25 Price Changed $129,900 Greater Alabama MLS
• 2025-10-16 Listed $133,500 Greater Alabama MLS
• 2003-11-04 Sold (Public Records) $79,900 Public Records
• 2001-10-24 Sold (Public Records) $57,500 Public Records
• 1989-03-31 Sold (Public Records) $45,016 Public Records

Property tax history

+3.1%/yr

Latest (2025): $606 · +2.2% YoY. Source: county tax records.