1818 Copperfield Ln NW · Center Point, AL 35215

$130,000

2 bd · 2.0 ba · 1,150 sqft · Townhouse public records · 152 Days on market

Built 1999 4,356 sqft lot $113/sqft · 16% below area Est $154k · 16% under ↓ 7% since listing

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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 +19.3/30.0
• ARV discount +14.5/15.0
• DSCR +6.1/10.0
• 1% rule +3.9/10.0
• Rent growth +3.3/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This two bedroom, two bath home built in 98' is perfect for the first time home owner, those looking to downsize to low maintenance easy living, or the investor needing to invest in real estate. The exterior is all brick and has a private backyard with a separate storage closet off patio. There is a large living room/dining room combination plus an eat-in area in the kitchen. Appliances include self cleaning oven, dishwasher and refrigerator. The master bedroom will accommodate king size furniture and has a walk-in closet. This home is in really good shape. HVAC 2019, Roof is less than 5 yrs old.

Key facts

• Eat-in area
• Private backyard
• Walk-in closet

Tags

• PRIVATE BACKYARD
• SEPARATE STORAGE CLOSET
• EAT-IN AREA
• WALK-IN CLOSET
• HVAC 2019
• ROOF LESS THAN 5 YRS OLD

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath townhouse listed at $130k.

Deal economics

• At list price, monthly cash flow is $144 ($2k/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 $116k (10.8% below list).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#193 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, commute A, housing A; Watch: crime D, schools F, amenities 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: Rents rising (+3.0%/yr); 334 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $899 of loan paydown is wiped out by about $4k 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 152 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major flood risk; 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 $114,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 152 days. Have you received any prior offers? Is the seller open to a 12% 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 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 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?
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: 0.89% ✗
• Cap rate: 7.62%
• Cash-on-cash: 4.73%
• DSCR: 1.21
• GRM: 9.3

CMA / ARV

• ARV (median comp): $153,971
• List price: $130,000
• Delta: -15.57%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1828 Copperfield Ln	0.01mi	2/2.0	1,150 (0%)	18mo	$140,000	$122	84

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 · 3.04% rent growth · sell at horizon

5-year hold

• IRR: -8.9%
• Equity multiple: 0.67×
• Total profit: $-11,938
• Equity at exit: $19,383

10-year hold

• IRR: 0.5%
• Equity multiple: 1.04×
• Total profit: $1,323
• Equity at exit: $11,240

Cash invested: $36,400 (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 35215

• Home prices YoY: -34.4%
• Rents YoY: 3.0%
• Active inventory: 334
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,160 high
• Mortgage (P&I): −$682
• Tax from tax record: −$37 /mo · $446/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$244
• Net cashflow: $144

Break-even live

Break-even rent $979

Max offer price $130,000

Occupancy floor 83%

Sensitivity live

Price	-10% $217	-5% $180	+0% $144	+5% $107	+10% $70
Rent	-10% $52	-5% $98	+0% $144	+5% $189	+10% $235
Rate	-1.0pp $209	-0.5pp $177	base $144	+0.5pp $110	+1.0pp $76

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1905 2nd St NW Center Point, AL	3.0	1.0	1258	$1,395	$1.11	44d	1	0.09mi
107 Sterling Ct NW Center Point, AL	2.0	1.5–2.0	1026	$1,062	$1.04	3d	4	0.09mi
113 19th Ave NW Center Point, AL	3.0	2.0	1407	$1,250	$0.89	11d	1	0.15mi
305 18th Ct NW Center Point, AL	3.0	1.5	1270	$1,100	$0.87	44d	1	0.24mi
405 18th Ave NW Center Point, AL	3.0	2.0	1162	$1,299	$1.12	44d	1	0.39mi
123 21st Ave NE Center Point, AL	2.0	1.0	850	$800	$0.94	44d	1	0.42mi
124 21st Ave NE Unit 202 Center Point, AL	2.0	1.0	830	$750	$0.90	16d	1	0.44mi
1628 1st St NW Center Point, AL	3.0	1.0	1124	$1,150	$1.02	44d	1	0.50mi
1629 1st St NW Center Point, AL	3.0	1.0	900	$1,025	$1.14	24d	1	0.51mi
1712 4th Pl NW Center Point, AL	3.0	1.0	1182	$1,150	$0.97	24d	1	0.55mi
2245 3rd St NW Center Point, AL	3.0	1.0	1156	$1,100	$0.95	24d	1	0.55mi
1700 4th Pl NW Center Point, AL	3.0	1.0	914	$1,075	$1.18	24d	1	0.55mi
2318 Raintree Ct Center Point, AL	2.0	1.0	975	$1,100	$1.13	3d	2	0.57mi
319 23rd Ave NW Center Point, AL	3.0	2.0	1284	$1,395	$1.09	44d	1	0.57mi
1720 2nd St NE Center Point, AL	3.0	2.0	1100	$1,400	$1.27	44d	1	0.58mi
1628 1st St NE Center Point, AL	3.0	1.0	1027	$1,165	$1.13	44d	1	0.63mi
1617 3rd Pl NW Center Point, AL	3.0	2.0	1404	$1,150	$0.82	24d	1	0.65mi
2229 3rd St NE Center Point, AL	3.0	1.0	1215	$1,125	$0.93	24d	1	0.69mi
2323 4th St NW Center Point, AL	3.0	1.0	1038	$1,305	$1.26	3d	1	0.73mi
2245 3rd St NE Center Point, AL	3.0	1.0	1150	$1,100	$0.96	24d	1	0.75mi
2320 5th St NW Center Point, AL	3.0	1.0	1098	$1,150	$1.05	44d	1	0.76mi
1732 6th St NW Center Point, AL	3.0	1.5	1300	$1,250	$0.96	3d	1	0.77mi
109 24th Ave NW Center Point, AL	3.0	1.5	1023	$1,215	$1.19	44d	1	0.78mi
401 22nd Ave NE Center Point, AL	2.0	1.5	850	$745	$0.88	16d	1	0.78mi
2109 Whetstone Ct Center Point, AL	2.0	1.5	800	$675	$0.84	3d	1	0.79mi
1827 Carson Rd Unit 1 Birmingham, AL	3.0	2.5	1332	$1,125	$0.84	44d	1	0.83mi
1827 Carson Rd Unit 7 Birmingham, AL	3.0	2.5	1332	$950	$0.71	24d	1	0.83mi
1821 Carson Rd Unit 3 Birmingham, AL	2.0	1.5	800	$580	$0.72	21d	1	0.84mi
1821 Carson Rd Unit 2 Birmingham, AL	2.0	1.5	800	$765	$0.96	44d	1	0.84mi
434 15th Ter NW Center Point, AL	3.0	2.0	1053	$1,200	$1.14	44d	1	0.84mi
1801 Carson Rd Unit 2 Birmingham, AL	2.0	1.0	800	$600	$0.75	11d	1	0.85mi
1801 Carson Rd Unit 1 Birmingham, AL	1.0	1.0	700	$495	$0.71	3d	1	0.85mi
2324 3rd St NE Center Point, AL	3.0	2.0	1329	$1,300	$0.98	24d	1	0.86mi
1541 Charter East Cir NE Birmingham, AL	1.0–2.0	1.0–1.5	807	$1,095	$1.36	2d	8	0.87mi
332 23rd Ave NE Center Point, AL	3.0	1.0	1100	$1,350	$1.23	3d	1	0.92mi
2412 4th St NW Center Point, AL	3.0	1.0	1224	$1,150	$0.94	16d	1	0.97mi
213 Meadwood Dr NE Center Point, AL	3.0	1.0	1194	$995	$0.83	44d	1	0.97mi
2249 4th Place Cir NE Center Point, AL	3.0	1.5	1400	$1,400	$1.00	44d	1	1.04mi
500 15th Ave NW Center Point, AL	3.0	1.0	1079	$1,050	$0.97	3d	1	1.05mi
509 20th Ave NE Center Point, AL	3.0	1.5	1008	$1,200	$1.19	24d	1	1.05mi

Listing history 18 events

1. 2026-06-18
   days on market $130,000 Active 152 DOM
2. 2026-06-17
   days on market $130,000 Active 151 DOM
3. 2026-06-16
   days on market $130,000 Active 150 DOM
4. 2026-06-15
   days on market $130,000 Active 149 DOM
5. 2026-06-13
   days on market $130,000 Active 147 DOM
6. 2026-06-10
   days on market $130,000 Active 144 DOM
7. 2026-06-09
   days on market $130,000 Active 143 DOM
8. 2026-06-08
   days on market $130,000 Active 142 DOM
9. 2026-06-07
   days on market $130,000 Active 141 DOM
10. 2026-06-03
    days on market $130,000 Active 137 DOM
11. 2026-06-02
    days on market $130,000 Active 136 DOM
12. 2026-06-01
    days on market $130,000 Active 135 DOM
13. 2026-05-31
    days on market $130,000 Active 134 DOM
14. 2026-05-16
    price $130,000 603-char remark

    Show marketing remark (603 chars)

    This two bedroom, two bath home built in 98' is perfect for the first time home owner, those looking to downsize to low maintenance easy living, or the investor needing to invest in real estate. The exterior is all brick and has a private backyard with a separate storage closet off patio. There is a large living room/dining room combination plus an eat-in area in the kitchen. Appliances include self cleaning oven, dishwasher and refrigerator. The master bedroom will accommodate king size furniture and has a walk-in closet. This home is in really good shape. HVAC 2019, Roof is less than 5 yrs old.

15. 2026-05-04
    price $132,000 603-char remark

    Show marketing remark (603 chars)

    This two bedroom, two bath home built in 98' is perfect for the first time home owner, those looking to downsize to low maintenance easy living, or the investor needing to invest in real estate. The exterior is all brick and has a private backyard with a separate storage closet off patio. There is a large living room/dining room combination plus an eat-in area in the kitchen. Appliances include self cleaning oven, dishwasher and refrigerator. The master bedroom will accommodate king size furniture and has a walk-in closet. This home is in really good shape. HVAC 2019, Roof is less than 5 yrs old.

16. 2026-04-21
    price $137,000 603-char remark

    Show marketing remark (603 chars)

    This two bedroom, two bath home built in 98' is perfect for the first time home owner, those looking to downsize to low maintenance easy living, or the investor needing to invest in real estate. The exterior is all brick and has a private backyard with a separate storage closet off patio. There is a large living room/dining room combination plus an eat-in area in the kitchen. Appliances include self cleaning oven, dishwasher and refrigerator. The master bedroom will accommodate king size furniture and has a walk-in closet. This home is in really good shape. HVAC 2019, Roof is less than 5 yrs old.

17. 2026-03-09
    price $139,000 603-char remark

    Show marketing remark (603 chars)

    This two bedroom, two bath home built in 98' is perfect for the first time home owner, those looking to downsize to low maintenance easy living, or the investor needing to invest in real estate. The exterior is all brick and has a private backyard with a separate storage closet off patio. There is a large living room/dining room combination plus an eat-in area in the kitchen. Appliances include self cleaning oven, dishwasher and refrigerator. The master bedroom will accommodate king size furniture and has a walk-in closet. This home is in really good shape. HVAC 2019, Roof is less than 5 yrs old.

18. 2026-01-17
    listed $139,700 Active 603-char remark

    Show marketing remark (603 chars)

    This two bedroom, two bath home built in 98' is perfect for the first time home owner, those looking to downsize to low maintenance easy living, or the investor needing to invest in real estate. The exterior is all brick and has a private backyard with a separate storage closet off patio. There is a large living room/dining room combination plus an eat-in area in the kitchen. Appliances include self cleaning oven, dishwasher and refrigerator. The master bedroom will accommodate king size furniture and has a walk-in closet. This home is in really good shape. HVAC 2019, Roof is less than 5 yrs old.

ⓘ 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: $446 · $37/mo
• Projected year-2 tax: $533 · $44/mo
• Expected delta: +$87/yr (+$7/mo · 19.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 71% 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 5/10 Major 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,923
• − Mortgage interest: −$7,282
• − Property taxes: −$446
• − Insurance: −$650
• − Repairs & maintenance: −$1,114
• − Management: −$1,114
• − Depreciation: −$3,782
• Taxable loss: −$465
• Est. tax savings @ 24.0%: +$112
• After-tax cash flow: $1,834/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 — Center Point

• Score: 63/100
• State rank: #193
• US rank: #15671

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Center Point, AL
• County: Jefferson County · 527,445 people
• City population: 43,903
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 43,903
• Household income: $52,793
• Rent vs Own: 43.4% rent · 56.6% own
• Severe rent burden: 1729.0

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 (75%)
• Race & ethnicity: Black 75% White 15% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Lithuanian 1% Italian 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 7%

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: ▼ -112.97%
• Current HPI: 215.0607
• Rent YoY: ▲ 3.04%
• 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

-6.9% since first listed

5 events — show timeline

• 2026-05-16 Price Changed $130,000 Greater Alabama MLS
• 2026-05-04 Price Changed $132,000 Greater Alabama MLS
• 2026-04-21 Price Changed $137,000 Greater Alabama MLS
• 2026-03-09 Price Changed $139,000 Greater Alabama MLS
• 2026-01-17 Listed $139,700 Greater Alabama MLS

Property tax history

+2.8%/yr

Latest (2017): $446 · +11.6% YoY. Source: county tax records.