3913 Rock Ridge Rd · Irondale, AL 35210

$259,000

4 bd · 2.0 ba · 2,062 sqft · SingleFamily public records · 12 Days on market

Built 1974 0.52 ac lot $126/sqft · 16% below area Est $310k · 16% 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 +17.7/30.0
• ARV discount +14.9/15.0
• DSCR +5.5/10.0
• Livability +3.7/5.0
• 1% rule +3.6/10.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully updated home in Irondale, where modern style meets everyday comfort. Step inside to find a striking marble accent wall that adds a touch of luxury and sophistication. The home features new flooring throughout and fresh interior and exterior paint, creating a bright, move-in-ready feel. The fully updated bathroom offers a spa-like experience with high-end finishes and thoughtful design. Perfect for buyers seeking a stylish, refreshed home in a great location. This one is a must-see!

Key facts

• Marble accent wall
• New flooring
• High-end finishes

Tags

• MARBLE ACCENT WALL
• NEW FLOORING
• FULLY UPDATED BATHROOM
• HIGH-END FINISHES

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $259k.

Deal economics

• At list price, monthly cash flow is $206 ($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 $223k (13.8% below list).
• Recommended offer: $223k (13.8% below list) — sets the bar for 1% rule.
• Cap rate 7.2% vs local median 5.2% in Irondale — 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 74/100 on livability (#23 in AL, #4,921 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, schools D-, 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 fast (+4.2%/yr); 81 active listings in the ZIP; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 37% of the median local income ($73k/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 $2k of loan paydown is wiped out by about $8k 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

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts; this cycle's ask has dropped $31k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $125k; list at $259k implies a 107% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $223,148 (13.8% below list)

Questions for the listing agent

1. Built in 1974 — 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: 0.86% ✗
• Cap rate: 7.25%
• Cash-on-cash: 3.42%
• DSCR: 1.15
• GRM: 9.7

CMA / ARV

• ARV (median comp): $310,050
• List price: $259,000
• Delta: -12.95%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3921 Rock Ridge Rd	0.04mi	3/2.0 (-1)	2,158 (+5%)	5mo	$263,000	$122	82
3840 Rock Ridge Rd	0.26mi	3/2.0 (-1)	2,073 (+0%)	11mo	$400,000	$193	73
3434 Rock Ridge Cir	0.30mi	3/2.0 (-1)	2,172 (+5%)	1mo	$279,900	$129	71
1580 Mountain Lodge Trl	0.27mi	3/2.5 (-1)	1,970 (-4%)	3mo	$349,900	$178	70
3873 Rock Ridge Ct	0.15mi	3/2.0 (-1)	2,303 (+12%)	1mo	$257,000	$112	68
3301 Sunniroc Rd	0.16mi	3/2.0 (-1)	2,092 (+2%)	22mo	$250,000	$120	66
5630 Cahaba Glen Cir	0.65mi	3/2.0 (-1)	1,842 (-11%)	3mo	$320,000	$174	45

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 · 4.18% rent growth · sell at horizon

5-year hold

• IRR: -9.8%
• Equity multiple: 0.64×
• Total profit: $-26,252
• Equity at exit: $38,618

10-year hold

• IRR: 0.9%
• Equity multiple: 1.07×
• Total profit: $4,890
• Equity at exit: $22,394

Cash invested: $72,520 (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 35210

• Home prices YoY: -32.2%
• Rents YoY: 4.2%
• Active inventory: 81
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,231 medium
• Mortgage (P&I): −$1,358
• Tax from tax record: −$90 /mo · $1,084/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$469
• Net cashflow: $206

Break-even live

Break-even rent $1,970

Max offer price $259,000

Occupancy floor 86%

Sensitivity live

Price	-10% $353	-5% $280	+0% $206	+5% $133	+10% $60
Rent	-10% $30	-5% $118	+0% $206	+5% $295	+10% $383
Rate	-1.0pp $337	-0.5pp $272	base $206	+0.5pp $139	+1.0pp $71

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: $64,750
• Closing costs: $7,770
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-07
   days on market $259,000 Active 12 DOM
2. 2026-06-03
   days on market $259,000 Active 8 DOM
3. 2026-06-02
   days on market $259,000 Active 7 DOM
4. 2026-06-01
   days on market $259,000 Active 6 DOM
5. 2026-05-31
   days on market $259,000 Active 5 DOM
6. 2026-04-30
   price $269,900 514-char remark

   Show marketing remark (514 chars)

   Welcome to this beautifully updated home in Irondale, where modern style meets everyday comfort. Step inside to find a striking marble accent wall that adds a touch of luxury and sophistication. The home features new flooring throughout and fresh interior and exterior paint, creating a bright, move-in-ready feel. The fully updated bathroom offers a spa-like experience with high-end finishes and thoughtful design. Perfect for buyers seeking a stylish, refreshed home in a great location. This one is a must-see!

7. 2026-04-30
   status Active 514-char remark

   Show marketing remark (514 chars)

   Welcome to this beautifully updated home in Irondale, where modern style meets everyday comfort. Step inside to find a striking marble accent wall that adds a touch of luxury and sophistication. The home features new flooring throughout and fresh interior and exterior paint, creating a bright, move-in-ready feel. The fully updated bathroom offers a spa-like experience with high-end finishes and thoughtful design. Perfect for buyers seeking a stylish, refreshed home in a great location. This one is a must-see!

8. 2026-04-28
   historical Contingent 514-char remark

   Show marketing remark (514 chars)

   Welcome to this beautifully updated home in Irondale, where modern style meets everyday comfort. Step inside to find a striking marble accent wall that adds a touch of luxury and sophistication. The home features new flooring throughout and fresh interior and exterior paint, creating a bright, move-in-ready feel. The fully updated bathroom offers a spa-like experience with high-end finishes and thoughtful design. Perfect for buyers seeking a stylish, refreshed home in a great location. This one is a must-see!

9. 2026-04-11
   price $279,900 514-char remark

   Show marketing remark (514 chars)

   Welcome to this beautifully updated home in Irondale, where modern style meets everyday comfort. Step inside to find a striking marble accent wall that adds a touch of luxury and sophistication. The home features new flooring throughout and fresh interior and exterior paint, creating a bright, move-in-ready feel. The fully updated bathroom offers a spa-like experience with high-end finishes and thoughtful design. Perfect for buyers seeking a stylish, refreshed home in a great location. This one is a must-see!

10. 2026-03-27
    price $285,000 514-char remark

    Show marketing remark (514 chars)

    Welcome to this beautifully updated home in Irondale, where modern style meets everyday comfort. Step inside to find a striking marble accent wall that adds a touch of luxury and sophistication. The home features new flooring throughout and fresh interior and exterior paint, creating a bright, move-in-ready feel. The fully updated bathroom offers a spa-like experience with high-end finishes and thoughtful design. Perfect for buyers seeking a stylish, refreshed home in a great location. This one is a must-see!

11. 2026-02-02
    listed $289,900 Active 514-char remark

    Show marketing remark (514 chars)

    Welcome to this beautifully updated home in Irondale, where modern style meets everyday comfort. Step inside to find a striking marble accent wall that adds a touch of luxury and sophistication. The home features new flooring throughout and fresh interior and exterior paint, creating a bright, move-in-ready feel. The fully updated bathroom offers a spa-like experience with high-end finishes and thoughtful design. Perfect for buyers seeking a stylish, refreshed home in a great location. This one is a must-see!

12. 2025-12-16
    soldstatus $125,000
13. 1991-08-23
    soldstatus $79,000
14. 1987-09-01
    soldstatus $78,500

ⓘ 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: $1,084 · $90/mo
• Projected year-2 tax: $1,084 · $90/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 5/10 Major 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,778
• − Mortgage interest: −$14,508
• − Property taxes: −$1,084
• − Insurance: −$1,295
• − Repairs & maintenance: −$2,142
• − Management: −$2,142
• − Depreciation: −$7,535
• Taxable loss: −$1,928
• Est. tax savings @ 24.0%: +$463
• After-tax cash flow: $2,940/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 — Irondale

• Score: 74/100
• State rank: #23
• US rank: #4921

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Irondale, AL
• County: Jefferson County · 527,445 people
• City population: 13,775
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 13,775
• Household income: $73,061
• Rent vs Own: 29.8% rent · 70.2% own
• Severe rent burden: 379.0

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: Majority White (62%)
• Race & ethnicity: White 62% Black 28% Hispanic / Latino 7% Two or more races 6%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 4% Italian 3% Serbian 2%
• Foreign-born: 6% · Canada
• Languages at home: 91% English-only · Spanish 6% Arabic 1% Russian/Polish/Slavic 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: ▼ -109.03%
• Current HPI: 230.033
• Rent YoY: ▲ 4.18%
• 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

+243.8% since first listed

9 events — show timeline

• 2026-04-30 Price Changed $269,900 Greater Alabama MLS
• 2026-04-30 Relisted — Greater Alabama MLS
• 2026-04-28 Contingent — Greater Alabama MLS
• 2026-04-11 Price Changed $279,900 Greater Alabama MLS
• 2026-03-27 Price Changed $285,000 Greater Alabama MLS
• 2026-02-02 Listed $289,900 Greater Alabama MLS
• 2025-12-16 Sold (Public Records) $125,000 Public Records
• 1991-08-23 Sold (Public Records) $79,000 Public Records
• 1987-09-01 Sold (Public Records) $78,500 Public Records

Property tax history

+3.3%/yr

Latest (2025): $1,084 · +0.0% YoY. Source: county tax records.