2413 Tempest Dr SW · Birmingham, AL 35211

$79,900

3 bd · 1.0 ba · 1,446 sqft · SingleFamily public records · 13 Days on market

Built 1961 8,276 sqft lot Est $91k · 12% 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 +30.0/30.0
• ARV discount +13.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Calling all investors! This 3-bedroom, 1-bath home is a fantastic opportunity for those looking to expand their rental portfolio. The property is being sold "As Is" and is currently tenant-occupied, ensuring instant rental revenue. Opportunity to increase property value through strategic renovations and rent adjustments after lease expiration or 30-day notice is given. This one won't last long.

Key facts

• Good-sized lot
• Basement den
• Existing structure

Tags

• BASEMENT DEN
• GOOD-SIZED LOT
• STRAIGHTFORWARD RANCH DESIGN
• EXISTING STRUCTURE
• CENTRAL AREAS

Property features AI

Exterior

• Parking: Attached parking; Driveway parking; One carport space
• Utilities: Public water; Connected sewer; Internet service available
• Home design: Single-family existing home; Basement entry (daylight basement)
• Construction: Wood siding construction; Basement foundation
• Exterior features: Fenced yard

Interior

• Kitchen: Laminate countertops; Built-in dishwasher; Electric stove
• Bedrooms: Three bedrooms on the main level; Additional den/family room in the basement
• Flooring: Hardwood-look laminate; Tile floors
• Bathrooms: One full bathroom with tub/shower combo (main level)
• Heating & cooling: Central heating; Central electric cooling
• Interior features: Ceilings: Other (see remarks); Finished daylight concrete block basement; Basement is finished; Has attic
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $406 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Cap rate 12.4% vs local median 6.2% in Birmingham — 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 67/100 on livability (#78 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-, crime F, employment F.
• Birmingham City (urban): math 4% / reading 20% proficiency, ranked #116 of 129 in AL (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Wenonah High School (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 656 students, 85% FRL) — zoned schools at 85% FRL track the district average.
• Market conditions: Rents soft (-0.0%/yr); 154 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 41% 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 $552 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 ~7 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 6y 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.

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 $79,900

Questions for the listing agent

1. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 1.57% ✓
• Cap rate: 12.39%
• Cash-on-cash: 21.76%
• DSCR: 1.97
• GRM: 5.3

CMA / ARV

• ARV (on-the-fly): $91,098
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2404 Ishkooda Rd SW	0.03mi	3/1.0	1,275 (-12%)	6mo	$80,000	$63	74
2005 Dawson Ave SW	0.50mi	3/1.0	1,508 (+4%)	3mo	$95,000	$63	67
2424 Ishkooda Rd SW	0.06mi	4/1.5 (+1)	1,650 (+14%)	2mo	$100,000	$61	65
2005 Henry Crumpton Dr SW	0.34mi	3/2.0	1,377 (-5%)	9mo	$95,900	$70	64
2413 Tempest Dr SW	0.00mi	3/1.0	1,619 (+12%)	22mo	$115,000	$71	62
2436 College Ave SW	0.62mi	3/1.0	1,386 (-4%)	8mo	$54,000	$39	58
2005 SW Snavely Ave	0.55mi	3/1.0	1,380 (-5%)	12mo	$52,000	$38	57
2108 Francis Ave SW	0.66mi	3/1.0	1,520 (+5%)	10mo	$97,000	$64	52
2721 23rd St	0.48mi	3/2.0	1,596 (+10%)	20mo	$120,000	$75	40
1808 Henry Crumpton Dr	0.44mi	4/1.0 (+1)	1,280 (-12%)	21mo	$50,000	$39	38
1620 Pine Ave SW	0.67mi	4/2.5 (+1)	1,528 (+6%)	23mo	$38,000	$25	29

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: 10.8%
• Equity multiple: 1.41×
• Total profit: $9,242
• Equity at exit: $11,913

10-year hold

• IRR: 17.2%
• Equity multiple: 2.22×
• Total profit: $27,233
• Equity at exit: $6,908

Cash invested: $22,372 (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 35211

• Rents YoY: -0.0%
• Active inventory: 154
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $1,258 high
• Mortgage (P&I): −$419
• Tax from tax record: −$136 /mo · $1,631/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$264
• Net cashflow: $406

Break-even live

Break-even rent $745

Max offer price $79,900

Occupancy floor 63%

Sensitivity live

Price	-10% $451	-5% $428	+0% $406	+5% $383	+10% $360
Rent	-10% $306	-5% $356	+0% $406	+5% $455	+10% $505
Rate	-1.0pp $446	-0.5pp $426	base $406	+0.5pp $385	+1.0pp $364

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2432 Ishkooda Rd SW Birmingham, AL	3.0	1.0	1075	$1,150	$1.07	45d	1	0.09mi
2005 Henry Crumpton Dr Birmingham, AL	4.0	2.0	1377	$1,300	$0.94	45d	1	0.34mi
1845 Henry Crumpton Dr Birmingham, AL	3.0	1.0	1000	$895	$0.90	4d	1	0.41mi
2005 Dawson Ave SW Birmingham, AL	4.0	1.0	1508	$1,250	$0.83	20d	1	0.49mi
224 E Ann Dr SW Birmingham, AL	3.0	1.0	1026	$1,050	$1.02	24d	1	0.49mi
108 E Ann Dr SW Birmingham, AL	4.0	2.0	1628	$1,495	$0.92	24d	1	0.52mi
2005 Snavely Ave SW Birmingham, AL	3.0	2.0	1380	$1,150	$0.83	45d	1	0.54mi
2548 28th St SW Birmingham, AL	3.0	2.0	1762	$1,000	$0.57	3d	1	0.68mi
1669 19th Pl SW Birmingham, AL	4.0	2.0	1373	$1,325	$0.97	24d	1	0.69mi
1501 21st St SW Birmingham, AL	3.0	2.0	1758	$1,250	$0.71	45d	1	0.76mi
2128 Mayfield Ave SW Birmingham, AL	3.0	1.0	1196	$1,200	$1.00	24d	1	0.80mi
1544 18th St SW Birmingham, AL	3.0	1.0	950	$1,130	$1.19	45d	1	0.85mi
1537 18th St SW Birmingham, AL	3.0	1.0	1049	$1,130	$1.08	45d	1	0.87mi
2516 Powderly Ave SW Birmingham, AL	3.0	1.0	1236	$1,050	$0.85	45d	1	0.89mi
2709 Powderly Ave SW Birmingham, AL	3.0	2.0	1056	$950	$0.90	24d	1	0.92mi
1520 17th Way SW Birmingham, AL	3.0	1.0	900	$900	$1.00	13d	1	0.95mi
1520 17th Way SW Birmingham, AL	3.0	1.0	900	$900	$1.00	22d	1	0.95mi
3000 Dawson Ave SW Birmingham, AL	3.0	1.0	1092	$925	$0.85	45d	1	1.01mi
1633 29th St SW Birmingham, AL	3.0	2.0	1658	$1,200	$0.72	45d	1	1.01mi
1838 31st St SW Birmingham, AL	3.0	2.0	1400	$1,223	$0.87	17d	1	1.05mi
1319 18th Way SW Birmingham, AL	4.0	2.0	1337	$1,345	$1.01	24d	1	1.15mi
1228 19th Pl SW Birmingham, AL	3.0	2.0	978	$1,195	$1.22	4d	1	1.15mi
1209 19th Pl SW Birmingham, AL	3.0	1.0	1050	$1,275	$1.21	45d	1	1.20mi
1252 18th Pl SW Birmingham, AL	3.0	1.0	950	$1,000	$1.05	17d	1	1.20mi
3417 Park Ave SW Birmingham, AL	4.0	1.0	1402	$900	$0.64	45d	1	1.23mi
3332 Walnut Ave SW Birmingham, AL	3.0	1.0	1339	$750	$0.56	20d	1	1.24mi
3400 Walnut Ave SW Birmingham, AL	3.0	1.0	1133	$1,200	$1.06	45d	1	1.29mi
2304 Beulah Ave SW Birmingham, AL	3.0	1.0	1283	$1,025	$0.80	3d	1	1.29mi
805 29th St SW Birmingham, AL	4.0	2.0	1510	$1,300	$0.86	11d	1	1.32mi
805 29th St SW Birmingham, AL	4.0	2.0	1510	$1,300	$0.86	4d	1	1.32mi
2320 Wesley Ave SW Birmingham, AL	4.0	1.0	1865	$1,200	$0.64	11d	1	1.36mi
251 London Pkwy Birmingham, AL	1.0–3.0	1.0–2.0	1192	$1,850	$1.55	2d	27	1.36mi
3116 Steiner Ave SW Birmingham, AL	3.0	1.0	1362	$1,200	$0.88	45d	1	1.36mi
80 W Oxmoor Rd Birmingham, AL	1.0–3.0	1.0–2.0	1074	$2,839	$2.64	2d	19	1.40mi
251 London Pkwy Unit 414 Birmingham, AL	2.0	2.0	1202	$3,395	$2.82	45d	1	1.43mi
2409 Garrison Ave SW Birmingham, AL	4.0	2.0	1000	$1,295	$1.29	45d	1	1.44mi
1012 33rd St SW Birmingham, AL	1.0–2.0	1.0–2.0	800	$750	$0.94	4d	1	1.49mi

Listing history 9 events

1. 2026-06-21
   days on market $79,900 Active 13 DOM
2. 2026-06-18
   days on market $79,900 Active 10 DOM
3. 2026-06-17
   days on market $79,900 Active 9 DOM
4. 2026-06-16
   days on market $79,900 Active 8 DOM
5. 2026-06-15
   days on market $79,900 Active 7 DOM
6. 2026-06-13
   days on market $79,900 Active 5 DOM
7. 2026-06-10
   days on market $79,900 Active 2 DOM
8. 2026-06-08
   remarks 699-char remark
9. 2026-06-08
   listed $79,900 Active 1 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: $1,631 · $136/mo
• Projected year-2 tax: $1,631 · $136/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 ≥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 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,097
• − Mortgage interest: −$4,476
• − Property taxes: −$1,631
• − Insurance: −$400
• − Repairs & maintenance: −$1,208
• − Management: −$1,208
• − Depreciation: −$2,324
• Taxable income: $3,850
• Est. tax owed @ 24.0%: −$924
• After-tax cash flow: $3,943/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: Birmingham City
• NCES district ID: 0100390
• Math proficiency: 4% ▼ -17.00%
• Reading proficiency: 20% ▼ -4.00%
• Median HH income: $31,988
• Composite: 9.49/100
• National rank: #9850
• State rank: #116 of 129 in AL

Livability — Birmingham

• Score: 67/100
• State rank: #78
• US rank: #10412

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Birmingham, AL
• County: Jefferson County · 527,445 people
• City population: 210,422
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 24,924
• Household income: $34,884
• Rent vs Own: 59.7% rent · 40.3% own
• Severe rent burden: 2161.0

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 (77%)
• Race & ethnicity: Black 77% White 10% Hispanic / Latino 10% Two or more races 4%
• Hispanic origin (detail): Mexican 7%
• Foreign-born: 6% · Canada
• Languages at home: 91% English-only · Spanish 8% French/Haitian/Cajun 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: ▼ -49.29%
• Current HPI: 91.2903
• Rent YoY: ▬ -0.01%
• 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

+135.0% since first listed

15 events — show timeline

• 2026-06-08 Listed $79,900 Greater Alabama MLS
• 2024-08-23 Sold (Public Records) $115,000 Public Records
• 2024-08-22 Sold (MLS) $115,000 Greater Alabama MLS
• 2024-07-10 Contingent — Greater Alabama MLS
• 2024-06-29 Price Changed $119,000 Greater Alabama MLS
• 2024-06-14 Price Changed $125,000 Greater Alabama MLS
• 2024-05-29 Listed $130,000 Greater Alabama MLS
• 2020-11-23 Sold (Public Records) $50,000 Public Records
• 2020-11-18 Sold (MLS) $50,000 Greater Alabama MLS
• 2020-10-26 Pending — Greater Alabama MLS
• 2020-10-03 Contingent — Greater Alabama MLS
• 2020-10-03 Pending — Greater Alabama MLS
• 2020-09-01 Price Changed $59,900 Greater Alabama MLS
• 2020-07-30 Listed $62,500 Greater Alabama MLS
• 1985-06-01 Sold (Public Records) $34,000 Public Records

Property tax history

+12.2%/yr

Latest (2025): $1,631 · +136.1% YoY. Source: county tax records.