4231 Candle Brook Ln · Bessemer, AL 35022

$235,000

3 bd · 2.0 ba · 1,277 sqft · SingleFamily public records · 36 Days on market

Built 2001 Est $198k · 19% over $15/mo HOA · 1% of rent

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Why this score? — see what drove the F 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 +14.9/30.0
• Rent growth +5.0/5.0
• DSCR +4.5/10.0
• 1% rule +3.1/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Amazing home in McCalla close to schools and shopping. Just minutes from the Promenade and I459 this lovely 3 bedroom, 2 bath home has a maintenance free exterior of brick and vinyl. New roof is being put on and new paint inside. Also new laminate flooring in the kitchen, family room and master bedroom. Master has a large walk-in closet and separate shower and tub in the master bath. There is a fenced in backyard for the kids or pets and nice open patio so you can keep an eye on both of them. This house is sure to impress so make plans to see it soon.

Key facts

• 3 garage spots
• Built 2001
• Listed 36 days

Property features AI

Finance

• Financial info: Down payment assistance available; Quarterly garbage fee of $45
• HOA & community: Homeowners association with annual fee of $175

Exterior

• Parking: Front garage entry; Total of 3 garage spaces (2 on main level, 1 in basement); Driveway parking
• Utilities: Public water; Connected sewer; Underground utilities; Internet service available
• Home design: Single-family existing home; One-level living (main-level living areas listed)
• Construction: One-side brick and vinyl siding exterior; Slab foundation
• Exterior features: Fenced yard; Open patio; Garden/planting area

Interior

• Kitchen: Laminate countertops; Built-in microwave; Electric stove; Built-in dishwasher; Garbage disposal; Refrigerator included
• Bedrooms: Master bedroom on main level; Two additional bedrooms on main level; Walk-in closets
• Flooring: Carpet; Tile; Vinyl
• Bathrooms: One full master bathroom on main level; One additional full bathroom on main level
• Heating & cooling: Central heating and cooling; Heat pump and electric heating
• Interior features: 9+ foot ceilings; Marble wood-burning fireplace in the family room; Attic with pull-down stairs; No additional interior specialty features listed
• Laundry & utility: Main-level laundry in a closet; Washer hookup; Electric dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $235k.

Deal economics

• At list price, monthly cash flow is $67 ($807/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 $189k (19.5% below list).
• Recommended offer: $189k (19.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#331 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A; Watch: crime F, amenities F, employment 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.
• Zoned schools: Mcadory Elementary School (math 14% / reading 40%, grade F, #392 of 627 statewide, top 65%, 667 students, 61% FRL); Mcadory Middle School (math 2% / reading 33%, grade F, #199 of 257 statewide, top 77%, 854 students, 74% FRL); Mcadory High School (math 8% / reading 17%, grade F, #237 of 305 statewide, top 78%, 1,162 students, 72% FRL) — zoned schools average 69% FRL vs 49% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+14.8%/yr); 311 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 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 $2k of loan paydown is wiped out by about $7k 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 36 days — a 3% lower offer ($228k) is reasonable based on typical stale-listing flexibility.
• 3 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.
• Current owner paid $193k; 22% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 46% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $189,280 (19.5% below list)

Questions for the listing agent

1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.81% ✗
• Cap rate: 6.64%
• Cash-on-cash: 1.23%
• DSCR: 1.05
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $197,935
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4291 Candle Brook Ln	0.20mi	3/2.0	1,161 (-9%)	10mo	$210,000	$181	67
5012 Candle Brook Pl	0.13mi	3/2.0	1,412 (+11%)	15mo	$147,000	$104	64
5644 Rockdale Ct	0.34mi	3/1.0	1,276 (-0%)	19mo	$120,000	$94	64
1834 Brandon Way	0.56mi	3/2.0	1,290 (+1%)	11mo	$230,000	$178	63
5709 Rockdale Rd	0.44mi	3/1.0	1,184 (-7%)	1mo	$125,000	$106	62
1633 Eastern Valley Rd	0.37mi	3/2.0	1,176 (-8%)	8mo	$182,500	$155	62
1311 Fulton Dr	0.27mi	4/1.5 (+1)	1,395 (+9%)	6mo	$164,000	$118	61
840 Delta St	0.75mi	3/2.0	1,288 (+1%)	6mo	$228,000	$177	59
1636 Eastern Valley Rd	0.49mi	3/2.0	1,362 (+7%)	13mo	$249,900	$183	55
1837 Brandon Way	0.56mi	3/2.0	1,461 (+14%)	8mo	$239,900	$164	43
1305 Potter Ave	0.43mi	2/1.0 (-1)	1,133 (-11%)	16mo	$156,000	$138	38
1117 Hudson Ave	0.68mi	2/1.0 (-1)	1,215 (-5%)	16mo	$175,000	$144	38

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -9.5%
• Equity multiple: 0.64×
• Total profit: $-23,884
• Equity at exit: $35,039

10-year hold

• IRR: 5.1%
• Equity multiple: 1.45×
• Total profit: $29,874
• Equity at exit: $20,319

Cash invested: $65,800 (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 35022

• Home prices YoY: -20.2%
• Rents YoY: 14.8%
• Active inventory: 311
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,893 medium
• Mortgage (P&I): −$1,232
• Tax from tax record: −$83 /mo · $993/yr
• Insurance: −$98
• HOA: −$15
• Vacancy / Maint / Mgmt: −$397
• Net cashflow: $67

Break-even live

Break-even rent $1,808

Max offer price $235,000

Occupancy floor 91%

Sensitivity live

Price	-10% $200	-5% $134	+0% $67	+5% $1	+10% $-66
Rent	-10% $-82	-5% $-7	+0% $67	+5% $142	+10% $217
Rate	-1.0pp $186	-0.5pp $127	base $67	+0.5pp $6	+1.0pp $-56

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4737 Rosser Loop Dr Bessemer, AL	3.0	2.0	1638	$1,886	$1.15	3d	1	0.85mi
457 Flint Hill Rd Bessemer, AL	2.0	1.5	975	$860	$0.88	4d	3	1.35mi
5725 Riverbirch Dr Bessemer, AL	3.0	2.0	1620	$2,050	$1.27	3d	1	1.42mi

HOA detail

• Monthly dues: $15 · $180/yr

Listing history 26 events

1. 2026-06-22
   days on market $235,000 Active 36 DOM
2. 2026-06-18
   days on market $235,000 Active 33 DOM
3. 2026-06-17
   days on market $235,000 Active 32 DOM
4. 2026-06-16
   days on market $235,000 Active 31 DOM
5. 2026-06-15
   days on market $235,000 Active 30 DOM
6. 2026-06-13
   days on market $235,000 Active 28 DOM
7. 2026-06-10
   days on market $235,000 Active 25 DOM
8. 2026-06-09
   days on market $235,000 Active 24 DOM
9. 2026-06-08
   days on market $235,000 Active 23 DOM
10. 2026-06-07
    days on market $235,000 Active 22 DOM
11. 2026-06-03
    days on market $235,000 Active 18 DOM
12. 2026-06-02
    days on market $235,000 Active 17 DOM
13. 2026-06-01
    days on market $235,000 Active 16 DOM
14. 2026-05-31
    days on market $235,000 Active 15 DOM
15. 2026-05-19
    status Active
16. 2026-02-15
    historical
17. 2026-02-14
    listed $235,000 Active
18. 2026-01-30
    historical $235,000
19. 2021-11-24
    soldstatus $193,000
20. 2021-11-22
    soldstatus $193,000 Sold 557-char remark

    Show marketing remark (557 chars)

    Amazing home in McCalla close to schools and shopping. Just minutes from the Promenade and I459 this lovely 3 bedroom, 2 bath home has a maintenance free exterior of brick and vinyl. New roof is being put on and new paint inside. Also new laminate flooring in the kitchen, family room and master bedroom. Master has a large walk-in closet and separate shower and tub in the master bath. There is a fenced in backyard for the kids or pets and nice open patio so you can keep an eye on both of them. This house is sure to impress so make plans to see it soon.

21. 2021-09-06
    historical Contingent 557-char remark

    Show marketing remark (557 chars)

    Amazing home in McCalla close to schools and shopping. Just minutes from the Promenade and I459 this lovely 3 bedroom, 2 bath home has a maintenance free exterior of brick and vinyl. New roof is being put on and new paint inside. Also new laminate flooring in the kitchen, family room and master bedroom. Master has a large walk-in closet and separate shower and tub in the master bath. There is a fenced in backyard for the kids or pets and nice open patio so you can keep an eye on both of them. This house is sure to impress so make plans to see it soon.

22. 2021-09-03
    listed $184,900 Active 557-char remark

    Show marketing remark (557 chars)

    Amazing home in McCalla close to schools and shopping. Just minutes from the Promenade and I459 this lovely 3 bedroom, 2 bath home has a maintenance free exterior of brick and vinyl. New roof is being put on and new paint inside. Also new laminate flooring in the kitchen, family room and master bedroom. Master has a large walk-in closet and separate shower and tub in the master bath. There is a fenced in backyard for the kids or pets and nice open patio so you can keep an eye on both of them. This house is sure to impress so make plans to see it soon.

23. 2021-08-20
    historical $184,900 557-char remark

    Show marketing remark (557 chars)

    Amazing home in McCalla close to schools and shopping. Just minutes from the Promenade and I459 this lovely 3 bedroom, 2 bath home has a maintenance free exterior of brick and vinyl. New roof is being put on and new paint inside. Also new laminate flooring in the kitchen, family room and master bedroom. Master has a large walk-in closet and separate shower and tub in the master bath. There is a fenced in backyard for the kids or pets and nice open patio so you can keep an eye on both of them. This house is sure to impress so make plans to see it soon.

24. 2006-07-25
    soldstatus $141,900
25. 2004-05-10
    soldstatus $130,000
26. 2000-09-07
    soldstatus $14,900

ⓘ 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: $993 · $83/mo
• Projected year-2 tax: $993 · $83/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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 46% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,714
• − Mortgage interest: −$13,164
• − Property taxes: −$993
• − Insurance: −$1,175
• − Repairs & maintenance: −$1,817
• − Management: −$1,817
• − HOA: −$180
• − Depreciation: −$6,836
• Taxable loss: −$3,269
• Est. tax savings @ 24.0%: +$784
• After-tax cash flow: $1,592/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 — Bessemer

• Score: 59/100
• State rank: #331
• US rank: #20078

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 23,126
• Household income: $81,846
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 554.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 53% White 41% Hispanic / Latino 3% Two or more races 2% Asian 1%
• Common ancestry: Italian 1% Slovak 1% Iranian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 96% English-only · Spanish 3% Chinese 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: ▼ -55.40%
• Current HPI: 219.3839
• Rent YoY: ▲ 14.80%
• 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

+1477.2% since first listed

12 events — show timeline

• 2026-05-19 Relisted — Greater Alabama MLS
• 2026-02-15 Delisted — Greater Alabama MLS
• 2026-02-14 Listed $235,000 Greater Alabama MLS
• 2026-01-30 Coming Soon $235,000 Greater Alabama MLS
• 2021-11-24 Sold (Public Records) $193,000 Public Records
• 2021-11-22 Sold (MLS) $193,000 Greater Alabama MLS
• 2021-09-06 Contingent — Greater Alabama MLS
• 2021-09-03 Listed $184,900 Greater Alabama MLS
• 2021-08-20 Coming Soon $184,900 Greater Alabama MLS
• 2006-07-25 Sold (Public Records) $141,900 Public Records
• 2004-05-10 Sold (Public Records) $130,000 Public Records
• 2000-09-07 Sold (Public Records) $14,900 Public Records

Property tax history

+4.4%/yr

Latest (2025): $993 · +0.0% YoY. Source: county tax records.