1143 41st St · Birmingham, AL 35208

$100,000

3 bd · 2.0 ba · 1,441 sqft · SingleFamily public records · 42 Days on market

Built 1948 8,712 sqft lot $69/sqft · at area comps Est $105k · at est.

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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 +26.1/30.0
• ARV discount +9.6/15.0
• DSCR +8.8/10.0
• 1% rule +6.5/10.0
• Rent growth +4.3/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

ATTN INVESTORS! Welcome to 1143 41st St Ensley in Birmingham! This well maintained 3bd 2ba home offers just over 1400 sq feet of comfortable living space and is ready for its next chapter! Add to your portfolio and schedule your showing today!

Key facts

• 8,712 sq ft lot
• Built 1948
• Listed 42 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $253 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.3% 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-, schools F, crime 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.
• Market conditions: Rents rising fast (+7.2%/yr); 122 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); 50% 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 36% of the median local income ($39k/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 $691 of loan paydown is wiped out by about $3k 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 + 7.2% rent growth), your $28k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 5y 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

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $97,000 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 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 1948 — 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 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?
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: 1.15% ✓
• Cap rate: 9.33%
• Cash-on-cash: 10.85%
• DSCR: 1.48
• GRM: 7.2

CMA / ARV

• ARV (median comp): $104,975
• List price: $100,000
• Delta: -4.74%
• 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
1341 41st St	0.22mi	3/1.0	1,340 (-7%)	6mo	$106,000	$79	70
1607 43rd St	0.54mi	3/2.0	1,435 (-0%)	5mo	$85,000	$59	70
1109 40th St	0.10mi	4/1.0 (+1)	1,556 (+8%)	5mo	$90,000	$58	69
3105 Avenue J	0.53mi	4/2.0 (+1)	1,434 (-0%)	3mo	$175,000	$122	67
820 Valley Rd	0.41mi	4/1.0 (+1)	1,435 (-0%)	6mo	$106,000	$74	67
601 41st St	0.62mi	3/1.0	1,442 (+0%)	3mo	$52,250	$36	65
920 39th St	0.31mi	3/2.0	1,636 (+14%)	2mo	$145,000	$89	62
1037 W 51st St	0.65mi	3/2.0	1,392 (-3%)	3mo	$174,000	$125	61
1523 44th St E	0.48mi	3/2.0	1,307 (-9%)	5mo	$133,000	$102	58
821 46th St	0.46mi	3/1.0	1,254 (-13%)	0mo	$116,000	$93	53
1836 Bessemer Rd	0.72mi	3/1.0	1,258 (-13%)	4mo	$55,000	$44	38
3300 Avenue Q	0.66mi	2/1.0 (-1)	1,227 (-15%)	0mo	$35,000	$29	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 · 7.24% rent growth · sell at horizon

5-year hold

• IRR: 4.4%
• Equity multiple: 1.18×
• Total profit: $5,035
• Equity at exit: $14,910

10-year hold

• IRR: 17.4%
• Equity multiple: 2.72×
• Total profit: $48,042
• Equity at exit: $8,646

Cash invested: $28,000 (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 35208

• Home prices YoY: -18.1%
• Rents YoY: 7.2%
• Active inventory: 122
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,150 high
• Mortgage (P&I): −$524
• Tax from tax record: −$89 /mo · $1,069/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $253

Break-even live

Break-even rent $829

Max offer price $100,000

Occupancy floor 73%

Sensitivity live

Price	-10% $310	-5% $282	+0% $253	+5% $225	+10% $197
Rent	-10% $162	-5% $208	+0% $253	+5% $299	+10% $344
Rate	-1.0pp $304	-0.5pp $279	base $253	+0.5pp $227	+1.0pp $201

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1306 35th Street Ensley Birmingham, AL	3.0	2.0	1100	$1,173	$1.07	4d	1	0.26mi
931 41st Street Ensley Birmingham, AL	2.0	1.5	1048	$995	$0.95	4d	1	0.27mi
1420 Warrior Rd Birmingham, AL	3.0	1.0	1061	$1,050	$0.99	44d	1	0.32mi
1429 Warrior Rd Birmingham, AL	3.0	1.0	1036	$850	$0.82	16d	1	0.32mi
1112 47th St W Birmingham, AL	2.0	1.0	1166	$975	$0.84	44d	1	0.35mi
1037 47th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1299	$1,000	$0.77	44d	1	0.36mi
1417 34th Street Ensley Birmingham, AL	3.0	1.0	1103	$1,025	$0.93	44d	1	0.36mi
1436 44th Street Ensley Unit ENSLEY Birmingham, AL	4.0	2.0	1435	$1,495	$1.04	2d	1	0.37mi
1345 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1617	$1,175	$0.73	4d	1	0.39mi
1410 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1200	$1,000	$0.83	44d	1	0.40mi
1309 41st St Fairfield, AL	3.0	1.0	1070	$1,200	$1.12	44d	1	0.40mi
1301 32nd Street Ensley Birmingham, AL	3.0	1.0	1200	$975	$0.81	44d	1	0.41mi
1520 41st Street Ensley Birmingham, AL	3.0	2.0	1068	$1,195	$1.12	44d	1	0.41mi
920 47th Street Ensley Birmingham, AL	3.0	1.0	1070	$895	$0.84	4d	1	0.41mi
1526 42nd Street Ensley Unit ENSLEY Birmingham, AL	4.0	1.5	1600	$1,050	$0.66	44d	1	0.41mi
1509 44th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.5	1260	$1,123	$0.89	12d	1	0.43mi
4716 Court M Birmingham, AL	4.0	1.0	932	$1,200	$1.29	44d	1	0.44mi
1540 42nd Street Ensley Unit ENSLEY Birmingham, AL	2.0	1.0	899	$1,037	$1.15	44d	1	0.46mi
813 46th St Fairfield, AL	2.0	1.0	1100	$825	$0.75	11d	1	0.47mi
1515 45th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1440	$875	$0.61	4d	1	0.47mi
1528 34th Street Ensley Birmingham, AL	3.0	2.0	972	$1,073	$1.10	44d	1	0.50mi
1604 44th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1100	$1,200	$1.09	24d	1	0.52mi
621 Valley Rd Fairfield, AL	2.0	1.0	935	$900	$0.96	44d	1	0.53mi
1617 42nd Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1413	$1,030	$0.73	16d	1	0.53mi
1520 33rd Street Ensley Birmingham, AL	4.0	2.0	1215	$1,275	$1.05	12d	1	0.53mi
1607 43rd Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1435	$1,150	$0.80	24d	1	0.53mi
1524 33rd Street Ensley Birmingham, AL	4.0	2.0	1222	$1,095	$0.90	22d	1	0.53mi
1313 Pike Rd Birmingham, AL	3.0	1.0	1437	$975	$0.68	44d	1	0.54mi
728 41st St Fairfield, AL	3.0	1.0	1316	$1,100	$0.84	44d	1	0.55mi
1563 Martin Ave Birmingham, AL	4.0	2.0	1848	$1,495	$0.81	2d	1	0.57mi
3100 Avenue J Birmingham, AL	3.0	1.0	1409	$1,000	$0.71	11d	1	0.58mi
4105 Avenue Q Unit Q Birmingham, AL	3.0	3.0	1760	$1,250	$0.71	4d	1	0.62mi
3517 Avenue F Birmingham, AL	3.0	2.0	1155	$1,200	$1.04	44d	1	0.66mi
1556 Burgin Ave Birmingham, AL	4.0	1.0	1168	$1,100	$0.94	20d	1	0.69mi
1556 Burgin Ave Birmingham, AL	3.0	1.0	1168	$1,100	$0.94	22d	1	0.69mi
3212 Avenue G Unit G Ensley, AL	2.0	1.0	902	$850	$0.94	44d	1	0.69mi
4619 Terrace Q Birmingham, AL	3.0	2.0	1198	$900	$0.75	44d	1	0.70mi
829 51st Street Ensley Birmingham, AL	3.0	1.0	1203	$1,340	$1.11	4d	1	0.71mi
1417 Bessemer Rd Birmingham, AL	3.0	1.0	1688	$1,200	$0.71	44d	1	0.71mi
521 41st St Fairfield, AL	4.0	2.0	1800	$1,300	$0.72	44d	1	0.71mi

Listing history 33 events

1. 2026-06-18
   days on market $100,000 Active 42 DOM
2. 2026-06-17
   days on market $100,000 Active 41 DOM
3. 2026-06-16
   status $100,000 Active 40 DOM
4. 2026-06-13
   statusdays on market $100,000 Pending 40 DOM
5. 2026-06-10
   days on market $100,000 Active 39 DOM
6. 2026-06-09
   days on market $100,000 Active 38 DOM
7. 2026-06-08
   days on market $100,000 Active 37 DOM
8. 2026-06-07
   days on market $100,000 Active 36 DOM
9. 2026-06-03
   days on market $100,000 Active 32 DOM
10. 2026-06-02
    status $100,000 Active 31 DOM
11. 2026-04-19
    listed $100,000 Active 243-char remark

    Show marketing remark (243 chars)

    ATTN INVESTORS! Welcome to 1143 41st St Ensley in Birmingham! This well maintained 3bd 2ba home offers just over 1400 sq feet of comfortable living space and is ready for its next chapter! Add to your portfolio and schedule your showing today!

12. 2026-04-13
    historical $1,175
13. 2026-04-11
    listed $1,175
14. 2026-04-10
    historical $1,175
15. 2026-03-24
    listed $1,175
16. 2025-10-27
    historical $1,345
17. 2025-09-30
    price $1,345
18. 2025-08-09
    price $1,545
19. 2025-08-09
    price $1,630
20. 2025-08-08
    price $1,545
21. 2025-08-07
    listed $1,630
22. 2025-08-06
    historical $1,630
23. 2025-05-06
    listed $1,630
24. 2025-05-05
    historical $1,630
25. 2025-05-01
    historical $1,630
26. 2025-05-01
    listed $1,630
27. 2025-04-24
    listed $1,630
28. 2023-10-04
    soldstatus $530,000
29. 2023-09-11
    soldstatus $66,250 Sold 712-char remark

    Show marketing remark (712 chars)

    Introducing an investment opportunity for your portfolio! This charming three-bedroom, two-bath property is currently available and occupied by a reliable Section 8 tenant already in place. Tenant remains Rented for $750 per month. Rent roll in documents. Can be purchased separate or as an 8 package deal. Properties in close proximity. All sold with tenants in place. Cannot be shown until under contract for inspection. Monthly rental total for all 8 properties - $6,146 Addresses: 1) 1304 Ave G, 2) 3012 Anniston Ave, 3) 2318 Ave H, 4) 4717 Terrace M, 5) 5720 Court I 6) 4720 Court M 7) 915 38th Street. Experience the ease of passive income with a consistent rental stream. Schedule your appointment Today!

30. 2023-08-04
    historical Contingent 712-char remark

    Show marketing remark (712 chars)

    Introducing an investment opportunity for your portfolio! This charming three-bedroom, two-bath property is currently available and occupied by a reliable Section 8 tenant already in place. Tenant remains Rented for $750 per month. Rent roll in documents. Can be purchased separate or as an 8 package deal. Properties in close proximity. All sold with tenants in place. Cannot be shown until under contract for inspection. Monthly rental total for all 8 properties - $6,146 Addresses: 1) 1304 Ave G, 2) 3012 Anniston Ave, 3) 2318 Ave H, 4) 4717 Terrace M, 5) 5720 Court I 6) 4720 Court M 7) 915 38th Street. Experience the ease of passive income with a consistent rental stream. Schedule your appointment Today!

31. 2023-07-31
    listed $84,500 Active 712-char remark

    Show marketing remark (712 chars)

    Introducing an investment opportunity for your portfolio! This charming three-bedroom, two-bath property is currently available and occupied by a reliable Section 8 tenant already in place. Tenant remains Rented for $750 per month. Rent roll in documents. Can be purchased separate or as an 8 package deal. Properties in close proximity. All sold with tenants in place. Cannot be shown until under contract for inspection. Monthly rental total for all 8 properties - $6,146 Addresses: 1) 1304 Ave G, 2) 3012 Anniston Ave, 3) 2318 Ave H, 4) 4717 Terrace M, 5) 5720 Court I 6) 4720 Court M 7) 915 38th Street. Experience the ease of passive income with a consistent rental stream. Schedule your appointment Today!

32. 2021-02-02
    soldstatus $51,000
33. 2021-01-07
    listed $51,000

ⓘ 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: $1,069 · $89/mo
• Projected year-2 tax: $1,069 · $89/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 · 18 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: $13,798
• − Mortgage interest: −$5,602
• − Property taxes: −$1,069
• − Insurance: −$500
• − Repairs & maintenance: −$1,104
• − Management: −$1,104
• − Depreciation: −$2,909
• Taxable income: $1,511
• Est. tax owed @ 24.0%: −$363
• After-tax cash flow: $2,676/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): 13,412
• Household income: $38,561
• Rent vs Own: 35.8% rent · 64.2% own
• Severe rent burden: 573.0

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 (94%)
• Race & ethnicity: Black 94% White 4% Hispanic / Latino 2% Two or more races 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 2%

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: ▼ -33.99%
• Current HPI: 153.414
• Rent YoY: ▲ 7.24%
• 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

+96.1% since first listed

23 events — show timeline

• 2026-04-19 Listed $100,000 Greater Alabama MLS
• 2026-04-13 Rental Removed $1,175 APPFOLIO
• 2026-04-11 Listed for Rent $1,175 APPFOLIO
• 2026-04-10 Rental Removed $1,175 GALMLS
• 2026-03-24 Listed for Rent $1,175 GALMLS
• 2025-10-27 Rental Removed $1,345 RENTLY
• 2025-09-30 Price Changed $1,345 RENTLY
• 2025-08-09 Price Changed $1,545 RENTLY
• 2025-08-09 Price Changed $1,630 RENTLY
• 2025-08-08 Price Changed $1,545 RENTLY
• 2025-08-07 Listed for Rent $1,630 RENTLY
• 2025-08-06 Rental Removed $1,630 SHOWMOJO
• 2025-05-06 Listed for Rent $1,630 SHOWMOJO
• 2025-05-05 Rental Removed $1,630 SHOWMOJO2
• 2025-05-01 Rental Removed $1,630 SHOWMOJO
• 2025-05-01 Listed for Rent $1,630 SHOWMOJO2
• 2025-04-24 Listed for Rent $1,630 SHOWMOJO
• 2023-10-04 Sold (Public Records) $530,000 Public Records
• 2023-09-11 Sold (MLS) $66,250 Greater Alabama MLS
• 2023-08-04 Contingent — Greater Alabama MLS
• 2023-07-31 Listed $84,500 Greater Alabama MLS
• 2021-02-02 Sold (MLS) $51,000 Greater Alabama MLS
• 2021-01-07 Listed $51,000 Greater Alabama MLS

Property tax history

+8.3%/yr

Latest (2025): $1,069 · +0.0% YoY. Source: county tax records.