434 Bryant St · Bessemer, AL 35020

$115,000

3 bd · 1.0 ba · 1,540 sqft · SingleFamily public records · 53 Days on market

Built 1920 8,276 sqft lot $75/sqft · 11% below area Est $129k · 11% under

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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 +25.9/30.0
• ARV discount +12.3/15.0
• DSCR +8.7/10.0
• 1% rule +6.3/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.7/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful home in Bessemer with 4 bedrooms and 2 bathroom. Nice interior with repaired and prep drywall to have nice finish.

Key facts

• Hvac
• Water heater
• Major updates

Tags

• WELL MAINTAINED INTERIOR
• MAJOR UPDATES
• HVAC
• WATER HEATER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $282 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $112k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 5.9% in Bessemer — 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 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: schools D-, crime F, amenities F.
• Bessemer City (suburban): math 3% / reading 19% proficiency, ranked #120 of 129 in AL (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 87% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents falling (-3.1%/yr); 115 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 44% of the median local income ($35k/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 $795 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.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($112k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 6y ago; this cycle's ask is 7451% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $98k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 37% 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 $111,550 (3.0% below list)

Questions for the listing agent

1. It's been on market 53 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 1920 — 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 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. 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: 1.13% ✓
• Cap rate: 9.24%
• Cash-on-cash: 10.53%
• DSCR: 1.47
• GRM: 7.4

CMA / ARV

• ARV (median comp): $128,738
• List price: $115,000
• Delta: -10.67%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
611 Bell St	0.08mi	3/1.0	1,581 (+3%)	9mo	$63,000	$40	85
425 Owen Ave	0.21mi	3/2.0	1,488 (-3%)	0mo	$83,000	$56	81
234 Jefferson Ave	0.20mi	3/2.0	1,616 (+5%)	22mo	$115,000	$71	60
1017 Avenue G	0.48mi	3/2.0	1,608 (+4%)	13mo	$106,250	$66	55
117 Raimund Ave	0.60mi	3/2.0	1,537 (-0%)	16mo	$175,000	$114	54
408 Joseph St	0.57mi	2/1.0 (-1)	1,410 (-8%)	5mo	$62,000	$44	50
730 Clarendon Ave	0.30mi	3/1.0	1,345 (-13%)	21mo	$70,000	$52	48
208 Raimund Ave	0.60mi	3/2.0	1,424 (-8%)	10mo	$100,000	$70	47
5937 Malcom Ave	0.54mi	3/2.0	1,692 (+10%)	12mo	$90,000	$53	45
207 Short Mcadory Ave	0.36mi	3/2.0	1,312 (-15%)	15mo	$99,900	$76	42
1320 Longbrook Dr	0.70mi	3/2.5	1,632 (+6%)	18mo	$205,000	$126	36

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -3.8%
• Equity multiple: 0.86×
• Total profit: $-4,471
• Equity at exit: $17,147

10-year hold

• IRR: 2.2%
• Equity multiple: 1.14×
• Total profit: $4,490
• Equity at exit: $9,943

Cash invested: $32,200 (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 35020

• Home prices YoY: -24.2%
• Rents YoY: -3.1%
• Active inventory: 115
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,301 high
• Mortgage (P&I): −$603
• Tax from tax record: −$94 /mo · $1,134/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $282

Break-even live

Break-even rent $944

Max offer price $115,000

Occupancy floor 73%

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
434 Bryant St Bessemer, AL	4.0	2.0	1540	$1,523	$0.99	3d	1	0.03mi
704 Avenue I Bessemer, AL	3.0	1.0	1232	$1,200	$0.97	23d	1	0.31mi
236 Clifton St Bessemer, AL	3.0	1.0	1450	$1,100	$0.76	43d	1	0.41mi
200 Center St Bessemer, AL	3.0	1.5	1826	$1,200	$0.66	10d	1	0.42mi
18 Center St Bessemer, AL	3.0	1.0	1418	$1,100	$0.78	43d	1	0.53mi
10 Center St Bessemer, AL	3.0	1.0	1152	$1,000	$0.87	43d	1	0.56mi
63 Bluebell St Bessemer, AL	4.0	2.0	1232	$1,399	$1.14	16d	1	0.65mi
806 4th Ave N Bessemer, AL	3.0	1.0	1092	$1,050	$0.96	23d	1	0.75mi
830 5th Ave N Bessemer, AL	3.0	1.0	1072	$1,000	$0.93	43d	1	0.85mi
320 16th St S Bessemer, AL	3.0	1.5	1792	$950	$0.53	43d	1	0.91mi
1622 Fairfax Ave Bessemer, AL	2.0	2.0	1104	$995	$0.90	2d	1	0.99mi
1811 Fairfax Ave Bessemer, AL	4.0	2.0	1732	$1,350	$0.78	23d	1	1.15mi
419 19th St S Bessemer, AL	3.0	2.0	1200	$1,050	$0.88	11d	1	1.22mi
1909 Holbrook Ave Bessemer, AL	2.0	1.0	1064	$930	$0.87	43d	1	1.27mi
719 16th St N Bessemer, AL	3.0	1.5	1085	$1,075	$0.99	23d	1	1.39mi
817 15th St N Bessemer, AL	3.0	2.0	1116	$1,125	$1.01	3d	1	1.40mi

Listing history 15 events

1. 2026-06-15
   days on market $115,000 Active 53 DOM
2. 2026-06-13
   days on market $115,000 Active 51 DOM
3. 2026-06-10
   days on market $115,000 Active 48 DOM
4. 2026-06-09
   days on market $115,000 Active 47 DOM
5. 2026-06-08
   days on market $115,000 Active 46 DOM
6. 2026-06-07
   days on market $115,000 Active 45 DOM
7. 2026-06-05
   days on market $115,000 Active 42 DOM
8. 2026-06-03
   days on market $115,000 Active 41 DOM
9. 2026-06-02
   days on market $115,000 Active 40 DOM
10. 2026-06-01
    days on market $115,000 Active 39 DOM
11. 2026-05-31
    days on market $115,000 Active 38 DOM
12. 2026-04-23
    listed $115,000 Active 294-char remark
13. 2020-06-08
    soldstatus $98,500
14. 2020-06-04
    soldstatus $98,500 124-char remark

    Show marketing remark (124 chars)

    Beautiful home in Bessemer with 4 bedrooms and 2 bathroom. Nice interior with repaired and prep drywall to have nice finish.

15. 2020-04-16
    listed $98,500 124-char remark

    Show marketing remark (124 chars)

    Beautiful home in Bessemer with 4 bedrooms and 2 bathroom. Nice interior with repaired and prep drywall to have nice finish.

ⓘ 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: $1,134 · $94/mo
• Projected year-2 tax: $1,134 · $94/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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 37% 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: $15,613
• − Mortgage interest: −$6,442
• − Property taxes: −$1,134
• − Insurance: −$575
• − Repairs & maintenance: −$1,249
• − Management: −$1,249
• − Depreciation: −$3,345
• Taxable income: $1,619
• Est. tax owed @ 24.0%: −$389
• After-tax cash flow: $3,000/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: Bessemer City
• NCES district ID: 0100330
• Math proficiency: 3% ▼ -18.00%
• Reading proficiency: 19% ▼ -3.00%
• Median HH income: $29,721
• Composite: 8.45/100
• National rank: #9905
• State rank: #120 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

• Census place: Bessemer, AL
• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 24,892
• Household income: $35,362
• Rent vs Own: 40.6% rent · 59.4% own
• Severe rent burden: 1001.0

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 (74%)
• Race & ethnicity: Black 74% Hispanic / Latino 13% White 11% Two or more races 6%
• Hispanic origin (detail): Mexican 10%
• Foreign-born: 5% · Canada
• Languages at home: 89% English-only · Spanish 11%

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: ▼ -57.54%
• Current HPI: 179.7702
• Rent YoY: ▼ -3.12%
• 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

-98.5% since first listed

4 events — show timeline

• 2026-06-05 Listed for Rent $1,523 RENTLY
• 2020-06-08 Sold (Public Records) $98,500 Public Records
• 2020-06-04 Sold (MLS) $98,500 Greater Alabama MLS
• 2020-04-16 Listed $98,500 Greater Alabama MLS

Property tax history

+5.7%/yr

Latest (2025): $1,134 · +0.0% YoY. Source: county tax records.