425 58th St · Fairfield, AL 35064

$49,900

3 bd · 1.0 ba · 1,196 sqft · SingleFamily public records · 21 Days on market

Built 1930 6,969 sqft lot Est $77k · 35% 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 +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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

FORECLOSURE, SOLD AS IS HOUSE HAS A LOT OF POTENTIAL COME SEE TODAY

Key facts

• 6,969 sq ft lot
• Built 1930
• Listed 21 days

Property features AI

Finance

• Other: Lot size about 0.16 acres; Subdivision: VINESVILLE

Exterior

• Parking: Driveway parking
• Utilities: Public water; Connected sewer; Electric water heater; Internet service availability unknown
• Home design: Brick over foundation construction; Existing home
• Construction: Crawl space foundation
• Exterior features: No pool; No patio; No garden/patio; No decks; Not waterfront

Interior

• Kitchen: Laminate countertops
• Bedrooms: Master bedroom on main level; Second master on main level; Additional bedroom on main level
• Flooring: Carpet; Hardwood; Vinyl
• Bathrooms: One full bathroom with tub/shower combo (main level)
• Heating & cooling: No heat; No air conditioning
• Interior features: Smooth ceilings; Has attic; Attic (other)
• Laundry & utility: Washer hookup (main level); Electric dryer hookup; Laundry space (other – see remarks)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $573 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $49k (1.5% below list) — sets the bar for market timing.
• Cap rate 20.1% vs local median 10.2% in Fairfield — 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 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+, amenities F, employment 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.
• Zoned schools: Glen Oaks Elementary School (math 2% / reading 17%, grade F, #568 of 627 statewide, top 94%, 324 students, 70% FRL).
• 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); 62% 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 $345 of loan paydown is wiped out by about $1k 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 $14k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($49k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $18k; list at $50k implies a 177% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — 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 $49,151 (1.5% below list)

Questions for the listing agent

1. Built in 1930 — 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 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?
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: 2.26% ✓
• Cap rate: 20.08%
• Cash-on-cash: 49.22%
• DSCR: 3.19
• GRM: 3.7

CMA / ARV

• ARV (on-the-fly): $76,544
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
704 61st St	0.25mi	3/1.0	1,184 (-1%)	3mo	$88,500	$75	84
405 55th St	0.20mi	3/2.0	1,207 (+1%)	2mo	$99,000	$82	83
411 58th St	0.03mi	3/2.0	1,176 (-2%)	11mo	$59,000	$50	82
5219 Court G	0.42mi	3/1.0	1,140 (-5%)	4mo	$47,000	$41	69
117 62nd St	0.36mi	2/1.0 (-1)	1,220 (+2%)	9mo	$61,000	$50	67
5303 Acadia Ter	0.40mi	3/1.0	1,146 (-4%)	10mo	$11,000	$10	66
109 60th St	0.31mi	2/2.0 (-1)	1,148 (-4%)	4mo	$86,850	$76	66
513 Lloyd Noland Pkwy	0.61mi	3/1.5	1,212 (+1%)	3mo	$77,900	$64	65
829 51st St	0.56mi	3/1.0	1,203 (+1%)	12mo	$35,000	$29	63
114 60th St	0.29mi	3/2.0	1,290 (+8%)	12mo	$120,000	$93	60
821 46th St	0.73mi	3/1.0	1,254 (+5%)	0mo	$116,000	$93	58
5314 Belrosa Ter	0.37mi	2/1.0 (-1)	1,078 (-10%)	6mo	$25,000	$23	56

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: 46.8%
• Equity multiple: 3.03×
• Total profit: $28,417
• Equity at exit: $7,440

10-year hold

• IRR: 52.6%
• Equity multiple: 6.14×
• Total profit: $71,751
• Equity at exit: $4,314

Cash invested: $13,972 (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: 3.7×

Monthly cashflow live

• Estimated rent: $1,129 high
• Mortgage (P&I): −$262
• Tax from tax record: −$36 /mo · $436/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$237
• Net cashflow: $573

Break-even live

Break-even rent $404

Max offer price $49,900

Occupancy floor 44%

Sensitivity live

Price	-10% $601	-5% $587	+0% $573	+5% $559	+10% $545
Rent	-10% $484	-5% $529	+0% $573	+5% $618	+10% $662
Rate	-1.0pp $598	-0.5pp $586	base $573	+0.5pp $560	+1.0pp $547

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
209 58th St Fairfield, AL	3.0	2.0	1468	$1,200	$0.82	44d	1	0.18mi
435 62nd St Fairfield, AL	3.0	2.0	1249	$985	$0.79	44d	1	0.24mi
704 61st St Fairfield, AL	3.0	1.0	1184	$1,050	$0.89	24d	1	0.26mi
109 59th St Fairfield, AL	4.0	1.0	1344	$1,200	$0.89	12d	1	0.27mi
410 54th St Fairfield, AL	2.0	1.0	1068	$700	$0.66	4d	1	0.30mi
502 64th St Fairfield, AL	3.0	1.0	1250	$695	$0.56	44d	1	0.35mi
5503 Myron Massey Blvd Fairfield, AL	3.0	2.0	1119	$1,200	$1.07	44d	1	0.35mi
125 Jerry Coleman St Fairfield, AL	2.0	1.0	715	$725	$1.01	44d	1	0.38mi
5406 Court G Unit G Fairfield, AL	3.0	2.0	1449	$1,199	$0.83	12d	1	0.39mi
304 52nd St Fairfield, AL	4.0	2.0	1355	$1,000	$0.74	44d	1	0.42mi
5219 Court G Unit G Fairfield, AL	3.0	1.0	1140	$950	$0.83	24d	1	0.45mi
5709 Court H Birmingham, AL	4.0	1.5	1455	$1,400	$0.96	2d	1	0.53mi
513 Oak Pl Fairfield, AL	4.0	2.0	1440	$1,300	$0.90	24d	1	0.57mi
5300 Avenue I Birmingham, AL	4.0	2.0	1360	$1,500	$1.10	3d	1	0.58mi
829 51st Street Ensley Birmingham, AL	3.0	1.0	1203	$1,340	$1.11	4d	1	0.58mi
518 Oak Pl Fairfield, AL	3.0	1.0	1236	$875	$0.71	20d	1	0.60mi
5316 Court I Birmingham, AL	3.0	2.0	1284	$1,200	$0.93	44d	1	0.62mi
5712 Monte Sano Rd Birmingham, AL	2.0	1.0	700	$900	$1.29	44d	1	0.67mi
5001 Farrell Ave Fairfield, AL	2.0	1.0	1218	$995	$0.82	44d	1	0.67mi
813 46th St Fairfield, AL	2.0	1.0	1100	$825	$0.75	11d	1	0.73mi
920 47th Street Ensley Birmingham, AL	3.0	1.0	1070	$895	$0.84	4d	1	0.79mi
621 Valley Rd Fairfield, AL	2.0	1.0	935	$900	$0.96	44d	1	0.79mi
5710 Monte Sano Dr Birmingham, AL	2.0	1.0	700	$950	$1.36	44d	1	0.80mi
1309 41st St Fairfield, AL	3.0	1.0	1070	$1,200	$1.12	44d	1	0.91mi
728 41st St Fairfield, AL	3.0	1.0	1316	$1,100	$0.84	44d	1	0.94mi
1037 47th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1299	$1,000	$0.77	44d	1	0.95mi
373 Belcher Dr Birmingham, AL	4.0	1.0	1255	$1,100	$0.88	44d	1	0.97mi
931 41st Street Ensley Birmingham, AL	2.0	1.5	1048	$995	$0.95	4d	1	0.99mi
518 41st St Fairfield, AL	3.0	2.0	1095	$1,200	$1.10	44d	1	1.00mi
6629 Grasselli Rd Fairfield, AL	4.0	1.0	1114	$1,295	$1.16	44d	1	1.01mi
1112 47th St W Birmingham, AL	2.0	1.0	1166	$975	$0.84	44d	1	1.03mi
6516 Millard Fuller Rd Fairfield, AL	3.0	1.5	1120	$950	$0.85	4d	1	1.03mi
340 McPherson Ave Birmingham, AL	2.0	1.0	924	$910	$0.98	44d	1	1.04mi
336 McPherson Ave Birmingham, AL	3.0	1.0	1094	$1,100	$1.01	24d	1	1.04mi
708 40th St Fairfield, AL	2.0	1.0	788	$650	$0.82	44d	1	1.04mi
4716 Court M Birmingham, AL	4.0	1.0	932	$1,200	$1.29	44d	1	1.07mi
1272 Meadow Ln Birmingham, AL	2.0	1.0	744	$800	$1.08	44d	1	1.11mi
1340 Pineview Rd Birmingham, AL	3.0	2.0	1116	$1,075	$0.96	44d	1	1.16mi
1341 Pineview Rd Birmingham, AL	4.0	2.0	1409	$1,300	$0.92	44d	1	1.17mi
1376 Creel Ct Birmingham, AL	3.0	1.0	1008	$1,000	$0.99	44d	1	1.21mi

Listing history 15 events

1. 2026-06-18
   days on market $49,900 Active 21 DOM
2. 2026-06-17
   days on market $49,900 Active 20 DOM
3. 2026-06-16
   days on market $49,900 Active 19 DOM
4. 2026-06-15
   days on market $49,900 Active 18 DOM
5. 2026-06-13
   days on market $49,900 Active 16 DOM
6. 2026-06-10
   days on market $49,900 Active 13 DOM
7. 2026-06-09
   days on market $49,900 Active 12 DOM
8. 2026-06-08
   days on market $49,900 Active 11 DOM
9. 2026-06-07
   days on market $49,900 Active 10 DOM
10. 2026-06-03
    days on market $49,900 Active 6 DOM
11. 2026-06-02
    days on market $49,900 Active 5 DOM
12. 2026-06-01
    days on market $49,900 Active 4 DOM
13. 2026-05-31
    days on market $49,900 Active 3 DOM
14. 2026-05-22
    listed $49,900 Active
15. 1990-10-04
    soldstatus $18,000

ⓘ 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: $436 · $36/mo
• Projected year-2 tax: $436 · $36/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 ≥108°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: $13,548
• − Mortgage interest: −$2,795
• − Property taxes: −$436
• − Insurance: −$250
• − Repairs & maintenance: −$1,084
• − Management: −$1,084
• − Depreciation: −$1,452
• Taxable income: $6,448
• Est. tax owed @ 24.0%: −$1,548
• After-tax cash flow: $5,330/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

+177.2% since first listed

2 events — show timeline

• 2026-05-22 Listed $49,900 Greater Alabama MLS
• 1990-10-04 Sold (Public Records) $18,000 Public Records

Property tax history

+3.2%/yr

Latest (2025): $436 · -2.0% YoY. Source: county tax records.