45 Graham Loop · West Blocton, AL 35184

$129,900

3 bd · 2.0 ba · 1,914 sqft · SingleFamily public records · 21 Days on market

Built 1947 1.00 ac lot

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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 +22.1/30.0
• ARV discount +7.5/15.0
• DSCR +7.1/10.0
• 1% rule +4.5/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home is a hidden gem nestled off of a quiet road in West Blocton. With lots of recent renovations in 2026, this home has unlimited potential. The unique layout of this home affords the opportunity for multiple bonus areas, as well as multiple bedrooms with their own exterior entry. The kitchen features both beauty and functionality in the expansive number of cabinets, and the granite countertops. The built-in shelves that flank the fireplace in the family room add to this homes character and charm. You can also enjoy morning coffee on the front porch, or a cookout with friends or family in the large backyard. Enjoy the close proximity of the Interstate, local industry, or a quick commute to either Tuscaloosa or Birmingham. Come see the possibilities in this home TODAY!

Key facts

• Recent renovations
• Multiple bonus areas
• Unique layout

Tags

• RECENT RENOVATIONS
• UNIQUE LAYOUT
• MULTIPLE BONUS AREAS
• EXTERIOR ENTRY
• EXPANSIVE NUMBER OF CABINETS
• GRANITE COUNTERTOPS

Property features AI

Exterior

• Parking: Driveway parking
• Security: Security system
• Utilities: Public water; Septic system; Electric water heater; Internet available via Starlink, Viasat, and HughesNet
• Home design: Existing single-family construction; Concrete/block and stucco exterior; Slab foundation
• Construction: Concrete/Block and stucco construction; Slab foundation; Year built: existing
• Exterior features: No pool, patio, decks, or garden/patio listed; Not waterfront; Located on approximately 1 acre; Not in a flood plain; No notable lot view

Interior

• Kitchen: Stone countertops; Electric cooktop; Built-in dishwasher; Electric oven; Refrigerator
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level; Split bedroom layout
• Flooring: Vinyl
• Bathrooms: Two full bathrooms; Tub/shower combo
• Heating & cooling: Electric heating; Central cooling
• Interior features: Security system; Gas fireplace with gas starter in the family room; Ceilings: see remarks; Vinyl flooring
• Laundry & utility: Laundry room on main level; Washer hookup; Electric dryer hookup; Pull-down attic access

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $209 ($3k/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 $124k (4.8% below list).
• Recommended offer: $124k (4.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 58/100 on livability (#363 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime C-, health & safety D, amenities F.
• Bibb County (rural): math 12% / reading 31% proficiency, ranked #105 of 129 in AL (top 81%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: West Blocton Elementary School (math 17% / reading 42%, grade F, #367 of 627 statewide, top 60%, 278 students, 63% FRL); West Blocton High School (math 17% / reading 17%, grade F, #195 of 305 statewide, top 68%, 412 students, 55% FRL) — zoned schools at 59% FRL track the district average.
• Market conditions: 36 active listings in the ZIP; 16 units permitted in Bibb County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Bibb County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 14y 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 $63k; list at $130k implies a 107% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1947 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 55% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,704 (4.8% below list)

Questions for the listing agent

1. Built in 1947 — 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 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?
4. 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.
5. 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.
6. 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: 0.95% ✗
• Cap rate: 8.22%
• Cash-on-cash: 6.89%
• DSCR: 1.31
• GRM: 8.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -5.8%
• Equity multiple: 0.79×
• Total profit: $-7,812
• Equity at exit: $19,369

10-year hold

• IRR: 3.8%
• Equity multiple: 1.28×
• Total profit: $10,073
• Equity at exit: $11,231

Cash invested: $36,372 (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 35184

• Home prices YoY: -13.3%
• Active inventory: 36
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,237 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$33 /mo · $398/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$260
• Net cashflow: $209

Break-even live

Break-even rent $973

Max offer price $129,900

Occupancy floor 78%

Sensitivity live

Price	-10% $282	-5% $246	+0% $209	+5% $172	+10% $135
Rent	-10% $111	-5% $160	+0% $209	+5% $258	+10% $307
Rate	-1.0pp $274	-0.5pp $242	base $209	+0.5pp $175	+1.0pp $141

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $129,900 Active 21 DOM
2. 2026-06-17
   days on market $129,900 Active 20 DOM
3. 2026-06-16
   days on market $129,900 Active 19 DOM
4. 2026-06-15
   days on market $129,900 Active 18 DOM
5. 2026-06-13
   days on market $129,900 Active 16 DOM
6. 2026-06-13
   days on market $129,900 Active 15 DOM
7. 2026-06-10
   days on market $129,900 Active 13 DOM
8. 2026-06-09
   days on market $129,900 Active 12 DOM
9. 2026-06-08
   days on market $129,900 Active 11 DOM
10. 2026-06-07
    days on market $129,900 Active 10 DOM
11. 2026-06-03
    days on market $129,900 Active 6 DOM
12. 2026-06-02
    days on market $129,900 Active 5 DOM
13. 2026-06-01
    days on market $129,900 Active 4 DOM
14. 2026-05-31
    days on market $129,900 Active 3 DOM
15. 2026-05-28
    listed $129,900 Active
16. 2026-05-27
    listed $129,900 Active 784-char remark

    Show marketing remark (784 chars)

    This home is a hidden gem nestled off of a quiet road in West Blocton. With lots of recent renovations in 2026, this home has unlimited potential. The unique layout of this home affords the opportunity for multiple bonus areas, as well as multiple bedrooms with their own exterior entry. The kitchen features both beauty and functionality in the expansive number of cabinets, and the granite countertops. The built-in shelves that flank the fireplace in the family room add to this homes character and charm. You can also enjoy morning coffee on the front porch, or a cookout with friends or family in the large backyard. Enjoy the close proximity of the Interstate, local industry, or a quick commute to either Tuscaloosa or Birmingham. Come see the possibilities in this home TODAY!

17. 2022-08-15
    soldstatus $62,700
18. 2019-03-19
    soldstatus $97,000
19. 2013-06-28
    soldstatus $29,900 256-char remark

    Show marketing remark (256 chars)

    3BR/2BA home on 1.22 acres. Great Rental Investment! REO, corporate owned. NOT A SHORT SALE. Sold as is, where is. No seller disclosures available. Buyer to assume all liens and encumbrances. Buyer to pay $1445 fee at closing. Investor financing available.

20. 2013-05-01
    listed $29,900 256-char remark

    Show marketing remark (256 chars)

    3BR/2BA home on 1.22 acres. Great Rental Investment! REO, corporate owned. NOT A SHORT SALE. Sold as is, where is. No seller disclosures available. Buyer to assume all liens and encumbrances. Buyer to pay $1445 fee at closing. Investor financing available.

21. 2013-03-29
    soldstatus $20,000
22. 2012-10-15
    listed $33,600

ⓘ 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: $398 · $33/mo
• Projected year-2 tax: $533 · $44/mo
• Expected delta: +$135/yr (+$11/mo · 33.9%)

ⓘ 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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 55% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,844
• − Mortgage interest: −$7,276
• − Property taxes: −$398
• − Insurance: −$650
• − Repairs & maintenance: −$1,188
• − Management: −$1,188
• − Depreciation: −$3,779
• Taxable income: $367
• Est. tax owed @ 24.0%: −$88
• After-tax cash flow: $2,417/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: Bibb County
• NCES district ID: 0100360
• Math proficiency: 12% ▼ -22.00%
• Reading proficiency: 31% ▼ -6.00%
• Median HH income: $40,196
• Composite: 18.14/100
• National rank: #8964
• State rank: #105 of 129 in AL

Livability — West Blocton

• Score: 58/100
• State rank: #363
• US rank: #21195

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 6,188
• Population (ZIP): 6,188

Population outlook (Bibb County) Hauer SSP2

• Today (2025): 21,965 people
• By 2030: 21,437 · -2.4%
• By 2040: 20,248 · -7.8%
• By 2050: 19,023 · -13.4%
• By 2075: 16,513 · -24.8%
• By 2100: 14,871 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 11% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Lithuanian 4% Serbian 2% Iranian 1%
• Foreign-born: 1% · Canada, South Korea
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Bibb

• 2024 margin: Solid R (+64.4) · D 17.5% · R 81.9%
• 2008→2024 swing: -18.6pp toward R · 2008: -45.8pp · 2024: -64.4pp
• All cycles: 2024: R+64.4 2020: R+57.7 2016: R+55.5 2012: R+46.9 2008: R+45.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -25.81%
• Current HPI: 167.9719
• Rent YoY: —
• Metro: —
• 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

+286.6% since first listed

8 events — show timeline

• 2026-05-28 Listed $129,900 Greater Alabama MLS
• 2026-05-27 Listed $129,900 WAMLS
• 2022-08-15 Sold (Public Records) $62,700 Public Records
• 2019-03-19 Sold (Public Records) $97,000 Public Records
• 2013-06-28 Sold (MLS) $29,900 Greater Alabama MLS
• 2013-05-01 Listed $29,900 Greater Alabama MLS
• 2013-03-29 Sold (MLS) $20,000 Greater Alabama MLS
• 2012-10-15 Listed $33,600 Greater Alabama MLS

Property tax history

+0.8%/yr

Latest (2025): $398 · +0.0% YoY. Source: county tax records.