5713 14th St S · Lipscomb, AL 35020

$80,000

3 bd · 1.5 ba · 1,506 sqft · SingleFamily public records · 37 Days on market

Built 1967 0.45 ac lot $53/sqft · 58% above area Est $129k · 38% under ↓ 33% since listing

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Rent growth +1.7/5.0
• Appreciation +0.0/10.0

Listing remarks

INVESTOR'S DREAM or PERFECT STARTER HOME! This cozy 3-bedroom, 2-bath brick home features a full basement and sits on a spacious property that includes two additional lots — offering endless potential for expansion, rental income, or resale. The home’s solid brick construction provides lasting durability, while the layout offers comfort and charm. With a little TLC, this property will shine as a wonderful family home or profitable investment. Don’t miss this rare opportunity to own a home with extra land and room to grow!

Key facts

• Two additional lots
• Extra land
• Full basement

Tags

• FULL BASEMENT
• SOLID BRICK CONSTRUCTION
• EXTRA LAND
• TWO ADDITIONAL LOTS

Property features AI

Finance

• Financial info: Monthly garbage fee ($20)
• HOA & community: No association fee

Exterior

• Parking: Front garage entry; Basement parking with 1 garage space; Detached or additional carport space (1); Circular driveway and on-street parking
• Utilities: Public water; Septic system; Gas water heater
• Home design: 4-sided brick construction; Basement foundation; Existing (previously built) property
• Construction: 4-sided brick exterior; Basement foundation (poured concrete walls); Finished basement
• Exterior features: Covered and open decks; Covered patio; Porch; Lighting system; Street lights; Interior lot with some trees; vacant lot characteristics

Interior

• Kitchen: Laminate countertops; Gas cooktop; Built-in dishwasher; Gas oven
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level
• Flooring: Carpet; Hardwood; Vinyl
• Bathrooms: Two full bathrooms; One half bathroom; Tubs with shower combo and linen closet
• Heating & cooling: Central heating (gas); Central air (electric)
• Interior features: 9+ ft. smooth ceilings; One fireplace with gas starter located in the den; Finished full basement with poured concrete walls; Attic with pull-down access; No additional built-in interior features listed
• Laundry & utility: Laundry in basement; Utility sink; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $505 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#76 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, commute A+, cost of living A+; Watch: amenities F, employment 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: Lipscomb Elementary School (math 8% / reading 27%, grade F, #486 of 627 statewide, top 79%, 259 students, 96% FRL); Mcadory Middle School (math 2% / reading 33%, grade F, #199 of 257 statewide, top 77%, 854 students, 74% FRL); Mcadory High School (math 8% / reading 17%, grade F, #237 of 305 statewide, top 78%, 1,162 students, 72% FRL) — zoned schools average 81% FRL vs 49% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents falling (-3.1%/yr); 117 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 64% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 43% of the median local income ($35k/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 $553 of loan paydown is wiped out by about $2k 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 + 0.0% rent growth), your $22k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• 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 $77,600 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 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 1967 — 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. 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.
6. 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.
7. 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: 1.59% ✓
• Cap rate: 13.87%
• Cash-on-cash: 27.06%
• DSCR: 2.20
• GRM: 5.2

CMA / ARV

• ARV (median comp): $128,562
• List price: $80,000
• Delta: -37.77%
• Verdict: UNDERPRICED
• Comps: 7 within 2.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5803 Avenue G	0.36mi	4/2.0 (+1)	1,487 (-1%)	1mo	$125,000	$84	73
6600 Ave K	0.22mi	3/2.0	1,662 (+10%)	18mo	$82,000	$49	56
5710 Avenue J	0.44mi	3/1.0	1,352 (-10%)	13mo	$59,000	$44	49
5701 Avenue O	0.58mi	3/1.0	1,364 (-9%)	8mo	$38,000	$28	48
5604 5th St S	0.66mi	2/1.0 (-1)	1,391 (-8%)	2mo	$99,900	$72	48
2002 Dawson Ave	0.61mi	3/2.0	1,352 (-10%)	22mo	$49,100	$36	34

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 17.7%
• Equity multiple: 1.69×
• Total profit: $15,472
• Equity at exit: $11,928

10-year hold

• IRR: 24.1%
• Equity multiple: 2.81×
• Total profit: $40,443
• Equity at exit: $6,917

Cash invested: $22,400 (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 35020

• Home prices YoY: -24.2%
• Rents YoY: -3.1%
• Active inventory: 117
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,272 high
• Mortgage (P&I): −$420
• Tax from tax record: −$47 /mo · $563/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $505

Break-even live

Break-even rent $633

Max offer price $80,000

Occupancy floor 55%

Sensitivity live

Price	-10% $550	-5% $528	+0% $505	+5% $483	+10% $460
Rent	-10% $405	-5% $455	+0% $505	+5% $555	+10% $606
Rate	-1.0pp $545	-0.5pp $526	base $505	+0.5pp $484	+1.0pp $463

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5709 13th St S Bessemer, AL	3.0	1.0	1120	$1,200	$1.07	46d	1	0.03mi
5606 Avenue K Bessemer, AL	4.0	2.0	1940	$1,300	$0.67	5d	1	0.50mi
6029 Ivy St Birmingham, AL	4.0	2.0	1234	$1,200	$0.97	46d	1	0.58mi
6025 Ivy St Birmingham, AL	4.0	2.0	1232	$1,300	$1.06	46d	1	0.59mi
5912 Owen St Bessemer, AL	3.0	1.5	1192	$1,300	$1.09	46d	1	0.63mi
5624 Cairo Ave Birmingham, AL	4.0	2.0	1386	$1,200	$0.87	46d	1	1.10mi
63 Wilkes Cir Birmingham, AL	4.0	1.0	1164	$1,200	$1.03	46d	1	1.35mi
63 Wilkes Cir Unit 1 Birmingham, AL	4.0	1.0	1164	$1,250	$1.07	46d	1	1.35mi
80 Wilkes Cir Birmingham, AL	4.0	2.0	1078	$1,200	$1.11	17d	1	1.38mi
3216 Avenue B Unit B Bessemer, AL	3.0	2.0	1220	$1,100	$0.90	46d	1	1.42mi
101 Leaf Lake Blvd Unit 1104 Birmingham, AL	2.0	2.0	1295	$1,440	$1.11	5d	1	1.45mi
101 Leaf Lake Blvd Apt 803 Birmingham, AL	2.0	2.0	1295	$1,500	$1.16	12d	1	1.45mi
101 Leaf Lake Blvd Apt 411 Birmingham, AL	2.0	2.0	1198	$1,400	$1.17	5d	1	1.45mi
3230 Arlington Ave Bessemer, AL	2.0	2.0	1236	$795	$0.64	46d	1	1.45mi

Listing history 15 events

1. 2026-06-22
   statusdays on market $80,000 Pending 37 DOM
2. 2026-06-18
   days on market $80,000 Active 36 DOM
3. 2026-06-17
   days on market $80,000 Active 35 DOM
4. 2026-06-16
   days on market $80,000 Active 34 DOM
5. 2026-06-15
   days on market $80,000 Active 33 DOM
6. 2026-06-13
   days on market $80,000 Active 31 DOM
7. 2026-06-10
   days on market $80,000 Active 28 DOM
8. 2026-06-09
   days on market $80,000 Active 27 DOM
9. 2026-06-08
   days on market $80,000 Active 26 DOM
10. 2026-06-07
    days on market $80,000 Active 25 DOM
11. 2026-06-03
    days on market $80,000 Active 21 DOM
12. 2026-06-02
    days on market $80,000 Active 20 DOM
13. 2026-06-01
    days on market $80,000 Active 19 DOM
14. 2026-05-31
    days on market $80,000 Active 18 DOM
15. 2026-05-12
    listed $119,900 Active 545-char remark

ⓘ 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: $563 · $47/mo
• Projected year-2 tax: $563 · $47/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 ≥107°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 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,265
• − Mortgage interest: −$4,481
• − Property taxes: −$563
• − Insurance: −$400
• − Repairs & maintenance: −$1,221
• − Management: −$1,221
• − Depreciation: −$2,327
• Taxable income: $5,051
• Est. tax owed @ 24.0%: −$1,212
• After-tax cash flow: $4,850/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 — Lipscomb

• Score: 67/100
• State rank: #76
• US rank: #10121

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lipscomb, AL
• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 24,892
• Household income: $35,362
• Rent vs Own: 40.6% rent · 59.4% own
• Severe rent burden: 1001.0

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 (74%)
• Race & ethnicity: Black 74% Hispanic / Latino 13% White 11% Two or more races 6%
• Hispanic origin (detail): Mexican 10%
• Foreign-born: 5% · Canada
• Languages at home: 89% English-only · Spanish 11%

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: ▼ -57.54%
• Current HPI: 179.7702
• Rent YoY: ▼ -3.12%
• 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

-33.3% since first listed

2 events — show timeline

• 2026-05-27 Price Changed $80,000 Greater Alabama MLS
• 2026-05-12 Listed $119,900 Greater Alabama MLS

Property tax history

+1.5%/yr

Latest (2025): $563 · +0.0% YoY. Source: county tax records.