225 Maple Way · Center Point, AL 35215

$119,900

4 bd · 1.5 ba · 1,968 sqft · SingleFamily public records · 32 Days on market

Built 1955 0.44 ac lot Est $183k · 34% under

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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 +29.1/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.1/10.0
• Rent growth +3.3/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks

NEW PRICE!! SPACIOUS ONE LEVEL WITH THREE BEDROOMS, ONE BATH, SEPARATE LIVING ROOM, DINING ROOM, KITCHEN PLUS A DEN AND LAUNDRY ROOM DOWN. THE HOME HAS HARDWOOD FLOORING THROUGHOUT; THE TUB/SHOWER SURROUND WAS UPDATED IN 2023, ROOF REPLACED IN 2019, SEPTIC TANK FIELD LINES REPLACED IN 2024, HOTWATER TANK IN 2022. SPACIOUS KITCHEN AREA WITH LOTS OF CABINET SPACE. WONDERFUL LOCATION WITH A GREAT YARD.

Key facts

• Hardwood flooring
• Hotwater tank
• Great yard

Tags

• HARDWOOD FLOORING
• TUB SHOWER SURROUND UPDATED
• ROOF REPLACED
• HOTWATER TANK
• SPACIOUS KITCHEN AREA
• GREAT YARD

Property features AI

Finance

• Other: Property sits on approximately 0.44 acre
• Financial info: Annual fire fee applies; Quarterly garbage fee applies
• HOA & community: No association fee

Exterior

• Parking: Driveway parking; One carport space
• Utilities: Public water; Septic system; Internet service available; Electric water heater
• Home design: Single-family residence (existing); Basement foundation; Not a waterfront property; No pool, patio, or garden/patio listed
• Construction: Vinyl siding exterior; Basement foundation (concrete block)
• Exterior features: Fenced yard; Open deck

Interior

• Kitchen: Laminate countertops; Gas stove
• Bedrooms: Three bedrooms on main level; Den/Family room in the basement
• Flooring: Combination of carpet, hardwood, and vinyl flooring
• Bathrooms: One full bathroom with tub/shower combo
• Heating & cooling: Central heating (gas); Central electric cooling
• Interior features: Ceilings noted as 'Other (see remarks)'; Some window treatments to remain; Finished and unfinished basement areas; Partial basement with concrete block construction for basement
• Laundry & utility: Laundry room on main level; Additional laundry area in basement; Washer hookup; Electric dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $415 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $116k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.4% vs local median 7.3% in Center Point — 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 63/100 on livability (#193 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, commute A, housing A; Watch: crime D, amenities F, employment 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: Center Point Elementary School (618 students, 82% FRL); Center Point High School (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 774 students, 91% FRL) — zoned schools average 86% FRL vs 49% district-wide (38 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 2% at this address vs 20% district-wide (-18 pts) — the specific schools serving this property underperform the Jefferson County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.0%/yr); 334 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% 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).
• This rent runs 33% of the median local income ($53k/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 $829 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 32 days — a 3% lower offer ($116k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1955 — 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 $116,303 (3.0% below list)

Questions for the listing agent

1. It's been on market 32 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
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: 1.21% ✓
• Cap rate: 10.45%
• Cash-on-cash: 14.84%
• DSCR: 1.66
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $183,024
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2020 2nd St NW	0.22mi	4/3.0	1,823 (-7%)	15mo	$158,700	$87	58
328 Sunhill Rd NW	0.65mi	3/2.0 (-1)	2,020 (+3%)	2mo	$160,000	$79	57
2240 3rd St NW	0.22mi	3/2.0 (-1)	1,747 (-11%)	13mo	$174,000	$100	53
201 Sun Valley Rd	0.29mi	4/3.0	1,699 (-14%)	8mo	$170,000	$100	51
2213 1st Pl	0.16mi	4/3.0	2,233 (+14%)	17mo	$282,000	$126	50
1839 6th St NW	0.71mi	4/3.0	2,088 (+6%)	7mo	$257,000	$123	45
2329 3rd St NE	0.72mi	4/2.0	1,916 (-3%)	21mo	$129,900	$68	43
2433 4th St NW	0.66mi	3/2.5 (-1)	2,135 (+8%)	6mo	$100,000	$47	41
217 NW 20th Ave	0.70mi	4/2.0	1,823 (-7%)	20mo	$169,900	$93	37
2216 2nd Pl NE	0.53mi	3/2.0 (-1)	2,258 (+15%)	9mo	$190,000	$84	36
100 26th Ave NW	0.73mi	4/2.0	1,706 (-13%)	8mo	$145,000	$85	35
2102 5th Way NW	0.74mi	3/2.0 (-1)	1,806 (-8%)	12mo	$170,000	$94	35

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 · 3.04% rent growth · sell at horizon

5-year hold

• IRR: 5.4%
• Equity multiple: 1.21×
• Total profit: $7,044
• Equity at exit: $17,877

10-year hold

• IRR: 14.8%
• Equity multiple: 2.20×
• Total profit: $40,286
• Equity at exit: $10,367

Cash invested: $33,572 (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 35215

• Home prices YoY: -34.4%
• Rents YoY: 3.0%
• Active inventory: 334
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,454 high
• Mortgage (P&I): −$629
• Tax from tax record: −$55 /mo · $659/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $415

Break-even live

Break-even rent $929

Max offer price $119,900

Occupancy floor 66%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
319 23rd Ave NW Center Point, AL	3.0	2.0	1284	$1,395	$1.09	43d	1	0.26mi
424 Tupelo Way Center Point, AL	4.0	2.0	1233	$1,300	$1.05	43d	1	0.36mi
1905 2nd St NW Center Point, AL	3.0	1.0	1258	$1,395	$1.11	43d	1	0.43mi
457 Tupelo Way Center Point, AL	3.0	1.0	1658	$995	$0.60	21d	1	0.48mi
113 19th Ave NW Center Point, AL	3.0	2.0	1407	$1,250	$0.89	11d	1	0.49mi
305 18th Ct NW Center Point, AL	3.0	1.5	1270	$1,100	$0.87	43d	1	0.55mi
2416 4th St NW Center Point, AL	4.0	2.0	1400	$1,500	$1.07	23d	1	0.66mi
2324 3rd St NE Center Point, AL	3.0	2.0	1329	$1,300	$0.98	23d	1	0.68mi
408 Sunhill Rd NW Center Point, AL	3.0	1.5	1290	$1,355	$1.05	43d	1	0.73mi
127 Fox Hill Ct Center Point, AL	3.0	2.0	1418	$1,545	$1.09	43d	1	0.86mi
2321 4th St NE Center Point, AL	5.0	2.5	1515	$1,800	$1.19	43d	1	0.89mi
1827 Carson Rd Unit 1 Birmingham, AL	3.0	2.5	1332	$1,125	$0.84	43d	1	0.89mi
1827 Carson Rd Unit 7 Birmingham, AL	3.0	2.5	1332	$950	$0.71	23d	1	0.89mi
1736 6th St NW Center Point, AL	4.0	2.0	1830	$1,550	$0.85	43d	1	0.92mi
1732 6th St NW Center Point, AL	3.0	1.5	1300	$1,250	$0.96	2d	1	0.93mi
1617 3rd Pl NW Center Point, AL	3.0	2.0	1404	$1,150	$0.82	23d	1	0.97mi
532 26th Ave NW Center Point, AL	4.0	1.0	1644	$1,250	$0.76	43d	1	0.98mi
2249 4th Place Cir NE Center Point, AL	3.0	1.5	1400	$1,400	$1.00	43d	1	0.99mi
413 20th Ct NE Center Point, AL	3.0	1.5	1540	$1,375	$0.89	43d	1	1.00mi
2232 6th St NE Center Point, AL	3.0	1.0	1550	$1,150	$0.74	43d	1	1.12mi
428 15th Ter NW Center Point, AL	3.0	2.0	1528	$1,795	$1.17	2d	1	1.13mi
1612 Glenwood St NW Center Point, AL	4.0	3.0	1344	$1,480	$1.10	23d	1	1.18mi
600 20th Ct NE Center Point, AL	3.0	2.0	1878	$1,650	$0.88	23d	1	1.29mi
2708 7th St NE Center Point, AL	3.0	1.0	1451	$1,150	$0.79	43d	1	1.31mi
202 Westchester Dr Birmingham, AL	4.0	2.0	1374	$1,300	$0.95	23d	1	1.36mi
2655 6th St NE Center Point, AL	3.0	2.0	1600	$1,390	$0.87	2d	1	1.40mi
605 Country View Dr Birmingham, AL	3.0	2.0	1698	$1,560	$0.92	43d	1	1.41mi
607 Country View Dr Birmingham, AL	4.0	2.0	1568	$1,550	$0.99	23d	1	1.43mi
1845 Stonehenge Dr Birmingham, AL	3.0	2.0	1358	$1,323	$0.97	14d	1	1.43mi
236 E Haven Dr Birmingham, AL	3.0	1.5	1926	$1,495	$0.78	11d	1	1.46mi

Listing history 20 events

1. 2026-06-18
   days on market $119,900 Active 32 DOM
2. 2026-06-17
   days on market $119,900 Active 31 DOM
3. 2026-06-16
   remarks 402-char remark
4. 2026-06-16
   pricedays on market $119,900 Active 30 DOM
5. 2026-06-15
   days on market $124,900 Active 29 DOM
6. 2026-06-13
   days on market $124,900 Active 27 DOM
7. 2026-06-10
   days on market $124,900 Active 24 DOM
8. 2026-06-09
   days on market $124,900 Active 23 DOM
9. 2026-06-08
   days on market $124,900 Active 22 DOM
10. 2026-06-07
    days on market $124,900 Active 21 DOM
11. 2026-06-03
    days on market $124,900 Active 17 DOM
12. 2026-06-02
    days on market $124,900 Active 16 DOM
13. 2026-06-01
    days on market $124,900 Active 15 DOM
14. 2026-05-31
    days on market $124,900 Active 14 DOM
15. 2026-05-17
    listed $124,900 Active
16. 2009-10-01
    soldstatus $110,000
17. 2005-05-26
    soldstatus $123,900
18. 2004-10-21
    soldstatus $61,000
19. 1992-12-30
    soldstatus $59,900
20. 1978-06-01
    soldstatus $42,000

ⓘ 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: $659 · $55/mo
• Projected year-2 tax: $659 · $55/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 5/10 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 5/10 Major 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,452
• − Mortgage interest: −$6,716
• − Property taxes: −$659
• − Insurance: −$600
• − Repairs & maintenance: −$1,396
• − Management: −$1,396
• − Depreciation: −$3,488
• Taxable income: $3,197
• Est. tax owed @ 24.0%: −$767
• After-tax cash flow: $4,216/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 — Center Point

• Score: 63/100
• State rank: #193
• US rank: #15671

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Center Point, AL
• County: Jefferson County · 527,445 people
• City population: 43,903
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 43,903
• Household income: $52,793
• Rent vs Own: 43.4% rent · 56.6% own
• Severe rent burden: 1729.0

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 Black (75%)
• Race & ethnicity: Black 75% White 15% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Lithuanian 1% Italian 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 92% 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: ▼ -112.97%
• Current HPI: 215.0607
• Rent YoY: ▲ 3.04%
• 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

+197.4% since first listed

6 events — show timeline

• 2026-05-17 Listed $124,900 Greater Alabama MLS
• 2009-10-01 Sold (Public Records) $110,000 Public Records
• 2005-05-26 Sold (Public Records) $123,900 Public Records
• 2004-10-21 Sold (Public Records) $61,000 Public Records
• 1992-12-30 Sold (Public Records) $59,900 Public Records
• 1978-06-01 Sold (Public Records) $42,000 Public Records

Property tax history

+0.3%/yr

Latest (2025): $659 · +7.6% YoY. Source: county tax records.