225 Ash Cir · Trussville, AL 35173

$275,000

3 bd · 2.0 ba · 1,724 sqft · SingleFamily public records · 113 Days on market

Built 1984 0.44 ac lot $160/sqft · 11% below area Est $305k · 10% under

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Why this score? — see what drove the C 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 +22.0/30.0
• ARV discount +11.9/15.0
• DSCR +7.0/10.0
• 1% rule +4.7/10.0
• Livability +4.0/5.0
• 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

Welcome to 225 Ash Cir, where comfort meets elegance. The centerpiece of the living room is a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Step outside to a spacious deck, ideal for entertaining or simply enjoying a quiet morning coffee. The property also includes a storage shed, providing ample space for your tools and outdoor equipment. The fenced in backyard ensures, providing a serene outdoor retreat. This home is a perfect blend of style and functionality, waiting for you to make it your own. Included 100-Day Home Warranty with buyer activation

Key facts

• Fenced in backyard
• Spacious deck
• Storage shed

Tags

• COZY FIREPLACE
• STAINLESS STEEL APPLIANCES
• SPACIOUS DECK
• STORAGE SHED
• FENCED IN BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $439 ($5k/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 $265k (3.5% below list).
• Recommended offer: $250k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 3.4% in Trussville — 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 79/100 on livability (#7 in AL, #2,110 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, schools A; Watch: commute 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.
• Market conditions: 344 active listings in the ZIP; 8 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).

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 113 days — a 9% lower offer ($250k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $19k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $250,250 (9.0% below list)

Questions for the listing agent

1. It's been on market 113 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.97% ✗
• Cap rate: 8.21%
• Cash-on-cash: 6.85%
• DSCR: 1.30
• GRM: 8.6

CMA / ARV

• ARV (median comp): $304,692
• List price: $275,000
• Delta: -9.74%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
214 Ash Cir	0.06mi	3/2.0	1,660 (-4%)	11mo	$289,900	$175	82
706 Sage Cir	0.26mi	3/2.0	1,690 (-2%)	9mo	$255,000	$151	77
6651 Spring St	0.32mi	3/3.5	1,763 (+2%)	1mo	$417,879	$237	74
6459 Spring St	0.37mi	3/2.5	1,645 (-5%)	4mo	$399,000	$243	70
748 Oak Dr E	0.14mi	3/2.5	1,917 (+11%)	14mo	$304,000	$159	62
6484 Spring St	0.38mi	3/2.0	1,792 (+4%)	17mo	$365,000	$204	62
4304 Cahaba Bnd	0.32mi	3/2.0	1,876 (+9%)	11mo	$385,000	$205	61
643 E Oak Dr E	0.56mi	4/2.5 (+1)	1,822 (+6%)	1mo	$415,000	$228	56
128 Pinebluff Trl	0.63mi	3/2.0	1,897 (+10%)	1mo	$333,555	$176	53
102 Mohawk Dr	0.64mi	3/2.5	1,689 (-2%)	20mo	$375,000	$222	48
6405 Spring St	0.38mi	3/2.5	1,918 (+11%)	23mo	$412,500	$215	43
200 Wildwood Dr	0.73mi	3/2.0	1,879 (+9%)	14mo	$321,500	$171	40

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: -5.8%
• Equity multiple: 0.78×
• Total profit: $-16,684
• Equity at exit: $41,003

10-year hold

• IRR: 3.8%
• Equity multiple: 1.27×
• Total profit: $21,065
• Equity at exit: $23,777

Cash invested: $77,000 (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 35173

• Home prices YoY: -33.4%
• Active inventory: 344
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $2,654 high
• Mortgage (P&I): −$1,442
• Tax from tax record: −$101 /mo · $1,209/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$557
• Net cashflow: $439

Break-even live

Break-even rent $2,098

Max offer price $275,000

Occupancy floor 78%

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6735 Roper Rd Trussville, AL	3.0	2.0	1625	$2,400	$1.48	43d	1	0.82mi
165 Morrow Ave Unit 201 Trussville, AL	2.0	2.0	1870	$3,500	$1.87	43d	1	1.11mi
160 Morrow Ave Unit 208 Trussville, AL	2.0	2.0	1450	$2,650	$1.83	43d	1	1.12mi
160 Morrow Ave Unit 204 Trussville, AL	3.0	2.0	1836	$2,850	$1.55	43d	1	1.12mi
3129 Cedarbrook Ln Trussville, AL	3.0	2.0	1231	$1,766	$1.43	14d	1	1.30mi
125 Charleston Way Trussville, AL	3.0	3.0	2181	$2,106	$0.97	14d	1	1.38mi
6232 Halcyon Ter Trussville, AL	3.0	2.5	1818	$2,700	$1.49	16d	1	1.39mi
3509 Halcyon Way Trussville, AL	3.0	2.0	1412	$2,995	$2.12	23d	1	1.41mi

Listing history 30 events

1. 2026-06-18
   days on market $275,000 Active 113 DOM
2. 2026-06-17
   days on market $275,000 Active 112 DOM
3. 2026-06-16
   days on market $275,000 Active 111 DOM
4. 2026-06-15
   days on market $275,000 Active 110 DOM
5. 2026-06-13
   days on market $275,000 Active 108 DOM
6. 2026-06-13
   days on market $275,000 Active 107 DOM
7. 2026-06-10
   days on market $275,000 Active 105 DOM
8. 2026-06-09
   days on market $275,000 Active 104 DOM
9. 2026-06-08
   days on market $275,000 Active 103 DOM
10. 2026-06-07
    days on market $275,000 Active 102 DOM
11. 2026-06-05
    pricedays on market $275,000 Active 99 DOM
12. 2026-06-03
    days on market $278,000 Active 98 DOM
13. 2026-06-02
    days on market $278,000 Active 97 DOM
14. 2026-06-01
    days on market $278,000 Active 96 DOM
15. 2026-05-31
    days on market $278,000 Active 95 DOM
16. 2026-05-14
    price $278,000 657-char remark

    Show marketing remark (657 chars)

    Welcome to 225 Ash Cir, where comfort meets elegance. The centerpiece of the living room is a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Step outside to a spacious deck, ideal for entertaining or simply enjoying a quiet morning coffee. The property also includes a storage shed, providing ample space for your tools and outdoor equipment. The fenced in backyard ensures, providing a serene outdoor retreat. This home is a perfect blend of style and functionality, waiting for you to make it your own. Included 100-Day Home Warranty with buyer activation

17. 2026-04-23
    price $281,000 657-char remark

    Show marketing remark (657 chars)

    Welcome to 225 Ash Cir, where comfort meets elegance. The centerpiece of the living room is a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Step outside to a spacious deck, ideal for entertaining or simply enjoying a quiet morning coffee. The property also includes a storage shed, providing ample space for your tools and outdoor equipment. The fenced in backyard ensures, providing a serene outdoor retreat. This home is a perfect blend of style and functionality, waiting for you to make it your own. Included 100-Day Home Warranty with buyer activation

18. 2026-04-09
    price $285,000 657-char remark

    Show marketing remark (657 chars)

    Welcome to 225 Ash Cir, where comfort meets elegance. The centerpiece of the living room is a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Step outside to a spacious deck, ideal for entertaining or simply enjoying a quiet morning coffee. The property also includes a storage shed, providing ample space for your tools and outdoor equipment. The fenced in backyard ensures, providing a serene outdoor retreat. This home is a perfect blend of style and functionality, waiting for you to make it your own. Included 100-Day Home Warranty with buyer activation

19. 2026-03-19
    price $290,000 657-char remark

    Show marketing remark (657 chars)

    Welcome to 225 Ash Cir, where comfort meets elegance. The centerpiece of the living room is a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Step outside to a spacious deck, ideal for entertaining or simply enjoying a quiet morning coffee. The property also includes a storage shed, providing ample space for your tools and outdoor equipment. The fenced in backyard ensures, providing a serene outdoor retreat. This home is a perfect blend of style and functionality, waiting for you to make it your own. Included 100-Day Home Warranty with buyer activation

20. 2026-02-25
    listed $294,000 Active 657-char remark

    Show marketing remark (657 chars)

    Welcome to 225 Ash Cir, where comfort meets elegance. The centerpiece of the living room is a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Step outside to a spacious deck, ideal for entertaining or simply enjoying a quiet morning coffee. The property also includes a storage shed, providing ample space for your tools and outdoor equipment. The fenced in backyard ensures, providing a serene outdoor retreat. This home is a perfect blend of style and functionality, waiting for you to make it your own. Included 100-Day Home Warranty with buyer activation

21. 2026-02-17
    soldstatus $266,000 Sold 687-char remark

    Show marketing remark (687 chars)

    Move right in! This 3 or 4BR/2BA home in the heart of Trussville has been completely updated from top to bottom! With a brand new roof, new HVAC system & ductwork, stainless Energy Star appliance, quartz countertop, new flooring throughout, fresh vanities, modern lighting, fresh paint inside and out. Double pane windows, fireplace, french doors leading to a flat fenced back yard perfect for playtime or gatherings w/ friends & family. Oversized master, split BR plan and a bonus room with large closet down (perfect 4th BR, playroom, office). Huge laundry room w/ additional storage. Situated in a quiet cul-de-sac, it's welcoming and ready for it's new owner. Call today!

22. 2026-02-17
    soldstatus $266,100

    Show marketing remark (687 chars)

    Move right in! This 3 or 4BR/2BA home in the heart of Trussville has been completely updated from top to bottom! With a brand new roof, new HVAC system & ductwork, stainless Energy Star appliance, quartz countertop, new flooring throughout, fresh vanities, modern lighting, fresh paint inside and out. Double pane windows, fireplace, french doors leading to a flat fenced back yard perfect for playtime or gatherings w/ friends & family. Oversized master, split BR plan and a bonus room with large closet down (perfect 4th BR, playroom, office). Huge laundry room w/ additional storage. Situated in a quiet cul-de-sac, it's welcoming and ready for it's new owner. Call today!

23. 2026-02-05
    status Pending 687-char remark

    Show marketing remark (687 chars)

    Move right in! This 3 or 4BR/2BA home in the heart of Trussville has been completely updated from top to bottom! With a brand new roof, new HVAC system & ductwork, stainless Energy Star appliance, quartz countertop, new flooring throughout, fresh vanities, modern lighting, fresh paint inside and out. Double pane windows, fireplace, french doors leading to a flat fenced back yard perfect for playtime or gatherings w/ friends & family. Oversized master, split BR plan and a bonus room with large closet down (perfect 4th BR, playroom, office). Huge laundry room w/ additional storage. Situated in a quiet cul-de-sac, it's welcoming and ready for it's new owner. Call today!

24. 2026-02-03
    soldstatus $203,500
25. 2026-02-02
    historical Contingent 687-char remark

    Show marketing remark (687 chars)

    Move right in! This 3 or 4BR/2BA home in the heart of Trussville has been completely updated from top to bottom! With a brand new roof, new HVAC system & ductwork, stainless Energy Star appliance, quartz countertop, new flooring throughout, fresh vanities, modern lighting, fresh paint inside and out. Double pane windows, fireplace, french doors leading to a flat fenced back yard perfect for playtime or gatherings w/ friends & family. Oversized master, split BR plan and a bonus room with large closet down (perfect 4th BR, playroom, office). Huge laundry room w/ additional storage. Situated in a quiet cul-de-sac, it's welcoming and ready for it's new owner. Call today!

26. 2026-01-18
    listed $289,900 Active 687-char remark

    Show marketing remark (687 chars)

    Move right in! This 3 or 4BR/2BA home in the heart of Trussville has been completely updated from top to bottom! With a brand new roof, new HVAC system & ductwork, stainless Energy Star appliance, quartz countertop, new flooring throughout, fresh vanities, modern lighting, fresh paint inside and out. Double pane windows, fireplace, french doors leading to a flat fenced back yard perfect for playtime or gatherings w/ friends & family. Oversized master, split BR plan and a bonus room with large closet down (perfect 4th BR, playroom, office). Huge laundry room w/ additional storage. Situated in a quiet cul-de-sac, it's welcoming and ready for it's new owner. Call today!

27. 2026-01-07
    historical $289,900 687-char remark

    Show marketing remark (687 chars)

    Move right in! This 3 or 4BR/2BA home in the heart of Trussville has been completely updated from top to bottom! With a brand new roof, new HVAC system & ductwork, stainless Energy Star appliance, quartz countertop, new flooring throughout, fresh vanities, modern lighting, fresh paint inside and out. Double pane windows, fireplace, french doors leading to a flat fenced back yard perfect for playtime or gatherings w/ friends & family. Oversized master, split BR plan and a bonus room with large closet down (perfect 4th BR, playroom, office). Huge laundry room w/ additional storage. Situated in a quiet cul-de-sac, it's welcoming and ready for it's new owner. Call today!

28. 2006-09-29
    soldstatus $141,300
29. 2004-11-02
    soldstatus $115,000
30. 1994-12-16
    soldstatus $68,000

ⓘ 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: $1,209 · $101/mo
• Projected year-2 tax: $1,209 · $101/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 4/10 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 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,851
• − Mortgage interest: −$15,404
• − Property taxes: −$1,209
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,548
• − Management: −$2,548
• − Depreciation: −$8,000
• Taxable income: $767
• Est. tax owed @ 24.0%: −$184
• After-tax cash flow: $5,089/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 — Trussville

• Score: 79/100
• State rank: #7
• US rank: #2110

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 51,725
• Population (ZIP): 32,125

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 (82%)
• Race & ethnicity: White 82% Black 10% Hispanic / Latino 5% Two or more races 4%
• Common ancestry: Slovak 2% Italian 2% Lithuanian 1%
• Foreign-born: 4% · Canada, Jamaica
• Languages at home: 95% English-only · Spanish 3%

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: ▼ -104.75%
• Current HPI: 208.5715
• 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

+308.8% since first listed

15 events — show timeline

• 2026-05-14 Price Changed $278,000 Greater Alabama MLS
• 2026-04-23 Price Changed $281,000 Greater Alabama MLS
• 2026-04-09 Price Changed $285,000 Greater Alabama MLS
• 2026-03-19 Price Changed $290,000 Greater Alabama MLS
• 2026-02-25 Listed $294,000 Greater Alabama MLS
• 2026-02-17 Sold (Public Records) $266,100 Public Records
• 2026-02-17 Sold (MLS) $266,000 Greater Alabama MLS
• 2026-02-05 Pending — Greater Alabama MLS
• 2026-02-03 Sold (Public Records) $203,500 Public Records
• 2026-02-02 Contingent — Greater Alabama MLS
• 2026-01-18 Listed $289,900 Greater Alabama MLS
• 2026-01-07 Coming Soon $289,900 Greater Alabama MLS
• 2006-09-29 Sold (Public Records) $141,300 Public Records
• 2004-11-02 Sold (Public Records) $115,000 Public Records
• 1994-12-16 Sold (Public Records) $68,000 Public Records

Property tax history

+4.5%/yr

Latest (2025): $1,209 · +0.0% YoY. Source: county tax records.