654 Maple St · Fairfield, AL 35064

$75,000

2 bd · 1.0 ba · 1,254 sqft · SingleFamily public records · 63 Days on market

Built 1954 6,534 sqft lot $60/sqft · at area comps Est $78k · 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
• DSCR +10.0/10.0
• ARV discount +9.3/15.0
• 1% rule +8.8/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

House on corner lot in walking distance of Fairfield Schools. Home features original hardwood floors with spacious living areas. Two patio areas (upper and lower level). Spacious basement with garage parking and laundry room. Fenced backyard. Repairs needed. Seller will consider lease purchase. Great Opportunity!

Key facts

• Garage parking
• Two patio areas
• Spacious basement

Tags

• CORNER LOT
• ORIGINAL HARDWOOD FLOORS
• SPACIOUS LIVING AREAS
• TWO PATIO AREAS
• SPACIOUS BASEMENT
• GARAGE PARKING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $291 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $70k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#160 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, schools F, amenities F.
• Fairfield City (suburban): math 2% / reading 15% proficiency, ranked #125 of 129 in AL (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 84% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 52 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% 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 $519 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 + 3.0% rent growth), your $21k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 63 days — a 6% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $65k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1954 — 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 $70,500 (6.0% below list)

Questions for the listing agent

1. It's been on market 63 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1954 — 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 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?
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: 1.38% ✓
• Cap rate: 10.95%
• Cash-on-cash: 16.62%
• DSCR: 1.74
• GRM: 6.1

CMA / ARV

• ARV (median comp): $78,046
• List price: $75,000
• Delta: -3.90%
• 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
821 46th St	0.11mi	3/1.0 (+1)	1,254 (0%)	0mo	$116,000	$93	90
513 Lloyd Noland Pkwy	0.24mi	3/1.5 (+1)	1,212 (-3%)	3mo	$77,900	$64	74
940 47th Street Ensley	0.26mi	3/1.0 (+1)	1,100 (-12%)	0mo	$49,000	$45	62
1205 41st Street Ensley	0.53mi	3/1.0 (+1)	1,204 (-4%)	2mo	$125,000	$104	62
1112 47th St	0.50mi	2/1.0	1,166 (-7%)	5mo	$83,000	$71	61
1031 40th St	0.39mi	3/1.0 (+1)	1,130 (-10%)	1mo	$76,000	$67	59
405 55th St	0.57mi	3/2.0 (+1)	1,207 (-4%)	2mo	$99,000	$82	56
5219 Court G	0.45mi	3/1.0 (+1)	1,140 (-9%)	4mo	$47,000	$41	56
601 41st St	0.33mi	3/1.0 (+1)	1,442 (+15%)	3mo	$52,250	$36	52
1341 41st St	0.68mi	3/1.0 (+1)	1,340 (+7%)	6mo	$106,000	$79	47
1037 W 51st St	0.55mi	3/2.0 (+1)	1,392 (+11%)	3mo	$174,000	$125	44
314 43rd St	0.61mi	2/1.0	1,068 (-15%)	5mo	$53,500	$50	42

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: 7.8%
• Equity multiple: 1.30×
• Total profit: $6,386
• Equity at exit: $11,183

10-year hold

• IRR: 17.1%
• Equity multiple: 2.40×
• Total profit: $29,487
• Equity at exit: $6,485

Cash invested: $21,000 (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 35064

• Home prices YoY: -28.8%
• Active inventory: 52
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,032 high
• Mortgage (P&I): −$393
• Tax from tax record: −$100 /mo · $1,196/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$217
• Net cashflow: $291

Break-even live

Break-even rent $664

Max offer price $75,000

Occupancy floor 67%

Sensitivity live

Price	-10% $333	-5% $312	+0% $291	+5% $270	+10% $248
Rent	-10% $209	-5% $250	+0% $291	+5% $332	+10% $372
Rate	-1.0pp $329	-0.5pp $310	base $291	+0.5pp $271	+1.0pp $252

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
621 Valley Rd Fairfield, AL	2.0	1.0	935	$900	$0.96	44d	1	0.11mi
813 46th St Fairfield, AL	2.0	1.0	1100	$825	$0.75	11d	1	0.12mi
1309 41st St Fairfield, AL	3.0	1.0	1070	$1,200	$1.12	44d	1	0.17mi
518 Oak Pl Fairfield, AL	3.0	1.0	1236	$875	$0.71	20d	1	0.22mi
5001 Farrell Ave Fairfield, AL	2.0	1.0	1218	$995	$0.82	44d	1	0.23mi
920 47th Street Ensley Birmingham, AL	3.0	1.0	1070	$895	$0.84	4d	1	0.23mi
931 41st Street Ensley Birmingham, AL	2.0	1.5	1048	$995	$0.95	4d	1	0.26mi
728 41st St Fairfield, AL	3.0	1.0	1316	$1,100	$0.84	44d	1	0.27mi
829 51st Street Ensley Birmingham, AL	3.0	1.0	1203	$1,340	$1.11	4d	1	0.45mi
518 41st St Fairfield, AL	3.0	2.0	1095	$1,200	$1.10	44d	1	0.45mi
5219 Court G Unit G Fairfield, AL	3.0	1.0	1140	$950	$0.83	24d	1	0.45mi
1037 47th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1299	$1,000	$0.77	44d	1	0.45mi
410 54th St Fairfield, AL	2.0	1.0	1068	$700	$0.66	3d	1	0.48mi
328 54th St Unit B Fairfield, AL	2.0	1.0	1570	$750	$0.48	44d	1	0.52mi
1112 47th St W Birmingham, AL	2.0	1.0	1166	$975	$0.84	44d	1	0.52mi
5406 Court G Unit G Fairfield, AL	3.0	2.0	1449	$1,199	$0.83	12d	1	0.53mi
5316 Court I Birmingham, AL	3.0	2.0	1284	$1,200	$0.93	44d	1	0.54mi
5503 Myron Massey Blvd Fairfield, AL	3.0	2.0	1119	$1,200	$1.07	44d	1	0.59mi
3517 Avenue F Birmingham, AL	3.0	2.0	1155	$1,200	$1.04	44d	1	0.65mi
5521 Court I Birmingham, AL	3.0	2.0	1545	$1,100	$0.71	44d	1	0.67mi
1345 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1617	$1,175	$0.73	4d	1	0.69mi
1410 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1200	$1,000	$0.83	44d	1	0.73mi
1306 35th Street Ensley Birmingham, AL	3.0	2.0	1100	$1,173	$1.07	4d	1	0.75mi
704 61st St Fairfield, AL	3.0	1.0	1184	$1,050	$0.89	24d	1	0.79mi
3212 Avenue G Unit G Ensley, AL	2.0	1.0	902	$850	$0.94	44d	1	0.81mi
1420 Warrior Rd Birmingham, AL	3.0	1.0	1061	$1,050	$0.99	44d	1	0.82mi
1429 Warrior Rd Birmingham, AL	3.0	1.0	1036	$850	$0.82	16d	1	0.83mi
1509 44th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.5	1260	$1,123	$0.89	12d	1	0.84mi
209 58th St Fairfield, AL	3.0	2.0	1468	$1,200	$0.82	44d	1	0.84mi
3100 Avenue J Birmingham, AL	3.0	1.0	1409	$1,000	$0.71	11d	1	0.85mi
1301 32nd Street Ensley Birmingham, AL	3.0	1.0	1200	$975	$0.81	44d	1	0.85mi
1515 45th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1440	$875	$0.61	4d	1	0.85mi
1417 34th Street Ensley Birmingham, AL	3.0	1.0	1103	$1,025	$0.93	44d	1	0.86mi
1417 Bessemer Rd Birmingham, AL	3.0	1.0	1688	$1,200	$0.71	44d	1	0.89mi
3201 Avenue E Birmingham, AL	3.0	1.0	1056	$925	$0.88	44d	1	0.90mi
1520 41st Street Ensley Birmingham, AL	3.0	2.0	1068	$1,195	$1.12	44d	1	0.90mi
435 62nd St Fairfield, AL	3.0	2.0	1249	$985	$0.79	44d	1	0.92mi
1540 42nd Street Ensley Unit ENSLEY Birmingham, AL	2.0	1.0	899	$1,037	$1.15	44d	1	0.94mi
1313 Pike Rd Birmingham, AL	3.0	1.0	1437	$975	$0.68	44d	1	0.94mi
1604 44th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1100	$1,200	$1.09	24d	1	0.95mi

Listing history 21 events

1. 2026-06-18
   days on market $75,000 Active 63 DOM
2. 2026-06-17
   days on market $75,000 Active 62 DOM
3. 2026-06-16
   days on market $75,000 Active 61 DOM
4. 2026-06-15
   days on market $75,000 Active 60 DOM
5. 2026-06-13
   days on market $75,000 Active 58 DOM
6. 2026-06-10
   days on market $75,000 Active 55 DOM
7. 2026-06-09
   days on market $75,000 Active 54 DOM
8. 2026-06-08
   days on market $75,000 Active 53 DOM
9. 2026-06-07
   days on market $75,000 Active 52 DOM
10. 2026-06-03
    days on market $75,000 Active 48 DOM
11. 2026-06-02
    days on market $75,000 Active 47 DOM
12. 2026-06-01
    days on market $75,000 Active 46 DOM
13. 2026-05-31
    days on market $75,000 Active 45 DOM
14. 2026-04-16
    listed $75,000 Active 314-char remark

    Show marketing remark (314 chars)

    House on corner lot in walking distance of Fairfield Schools. Home features original hardwood floors with spacious living areas. Two patio areas (upper and lower level). Spacious basement with garage parking and laundry room. Fenced backyard. Repairs needed. Seller will consider lease purchase. Great Opportunity!

15. 2025-11-19
    price $95,000
16. 2023-05-12
    soldstatus $65,010
17. 2022-07-12
    soldstatus $59,000
18. 2022-07-08
    soldstatus $59,000 Sold
19. 2022-06-30
    status Pending
20. 2022-05-27
    listed $65,000 Active
21. 2022-05-19
    historical $65,000

ⓘ 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: $1,196 · $100/mo
• Projected year-2 tax: $1,196 · $100/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 1/10 Low
• 🌡 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 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,381
• − Mortgage interest: −$4,201
• − Property taxes: −$1,196
• − Insurance: −$375
• − Repairs & maintenance: −$990
• − Management: −$990
• − Depreciation: −$2,182
• Taxable income: $2,445
• Est. tax owed @ 24.0%: −$587
• After-tax cash flow: $2,903/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: Fairfield City
• NCES district ID: 0101440
• Math proficiency: 2% ▼ -18.00%
• Reading proficiency: 15% ▼ -4.00%
• Median HH income: $35,288
• Composite: 6.92/100
• National rank: #9974
• State rank: #125 of 129 in AL

Livability — Fairfield

• Score: 64/100
• State rank: #160
• US rank: #14390

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fairfield, AL
• County: Jefferson County · 527,445 people
• City population: 9,872
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 9,872
• Household income: $48,692
• Rent vs Own: 40.5% rent · 59.5% own
• Severe rent burden: 784.0

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 (91%)
• Race & ethnicity: Black 91% White 7% Two or more races 2%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Spanish 1%

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: ▼ -50.47%
• Current HPI: 124.7012
• Rent YoY: —
• 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

+15.4% since first listed

8 events — show timeline

• 2026-04-16 Listed $75,000 Greater Alabama MLS
• 2025-11-19 Price Changed $95,000 Greater Alabama MLS
• 2023-05-12 Sold (Public Records) $65,010 Public Records
• 2022-07-12 Sold (Public Records) $59,000 Public Records
• 2022-07-08 Sold (MLS) $59,000 Greater Alabama MLS
• 2022-06-30 Pending — Greater Alabama MLS
• 2022-05-27 Listed $65,000 Greater Alabama MLS
• 2022-05-19 Coming Soon $65,000 Greater Alabama MLS

Property tax history

+0.6%/yr

Latest (2025): $1,196 · +0.0% YoY. Source: county tax records.