114 Pine St · Hueytown, AL 35023

$114,000

2 bd · 1.0 ba · 978 sqft · SingleFamily public records · 111 Days on market

Built 1945 6,534 sqft lot $117/sqft · at area comps Est $114k · at est.

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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 +21.9/30.0
• ARV discount +7.4/15.0
• DSCR +7.0/10.0
• 1% rule +5.4/10.0
• Appreciation +4.7/10.0
• Rent growth +2.9/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

Listing remarks MLS

INVESTORS ONLY! TENANT OCCUPIED until October 2026

Key facts

• 6,534 sq ft lot
• Built 1945
• Listed 111 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $114k.

Deal economics

• At list price, monthly cash flow is $180 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $114k).
• Recommended offer: $104k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 5.9% in Hueytown — 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 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, 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.
• Zoned schools: Brighton School (math 5% / reading 15%, grade F, #566 of 627 statewide, top 90%, 365 students, 89% FRL); Pleasant Grove High School (math 0% / reading 18%, grade F, #260 of 305 statewide, top 85%, 729 students, 57% FRL) — zoned schools average 73% FRL vs 49% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 255 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% 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

• In year one you build about $104 of equity ($788 loan paydown + $-684 appreciation (-0.6% local appreciation)).
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-0.6% appreciation + 1.6% rent growth), your $32k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 111 days — a 9% lower offer ($104k) is reasonable based on typical stale-listing flexibility.
• 3 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.

Risks & watch-outs

• Watch-outs: built in 1945 — 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 $103,740 (9.0% below list)

Questions for the listing agent

1. It's been on market 111 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1945 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.04% ✓
• Cap rate: 8.19%
• Cash-on-cash: 6.78%
• DSCR: 1.30
• GRM: 8.0

CMA / ARV

• ARV (median comp): $113,683
• List price: $114,000
• Delta: 0.28%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
223 Woodward Dr	0.13mi	3/1.0 (+1)	988 (+1%)	7mo	$100,000	$101	81
200 Woodward Dr	0.13mi	3/1.0 (+1)	890 (-9%)	3mo	$102,000	$115	71
103 Cedar St	0.06mi	2/1.0	839 (-14%)	8mo	$54,000	$64	66
1589 Carver St	0.58mi	3/1.0 (+1)	957 (-2%)	5mo	$120,000	$125	60
2934 Allison Bonnett Memorial Dr	0.72mi	3/1.0 (+1)	1,076 (+10%)	12mo	$98,000	$91	35
399 Clio St	0.56mi	3/1.0 (+1)	1,118 (+14%)	15mo	$115,000	$103	33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold

• IRR: 2.3%
• Equity multiple: 1.10×
• Total profit: $3,315
• Equity at exit: $29,723

10-year hold

• IRR: 7.3%
• Equity multiple: 1.71×
• Total profit: $22,536
• Equity at exit: $33,132

Cash invested: $31,920 (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 35023

• Home prices YoY: -0.1%
• Rents YoY: 1.6%
• Active inventory: 255
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,190 high
• Mortgage (P&I): −$598
• Tax from tax record: −$115 /mo · $1,379/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $180

Break-even live

Break-even rent $962

Max offer price $114,000

Occupancy floor 80%

Sensitivity live

Price	-10% $245	-5% $212	+0% $180	+5% $148	+10% $116
Rent	-10% $86	-5% $133	+0% $180	+5% $227	+10% $274
Rate	-1.0pp $238	-0.5pp $209	base $180	+0.5pp $151	+1.0pp $121

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: $28,500
• Closing costs: $3,420
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
216 Pine St Bessemer, AL	3.0	2.0	1000	$1,200	$1.20	45d	1	0.11mi
200 Woodward Dr Bessemer, AL	3.0	1.0	900	$1,123	$1.25	4d	1	0.12mi
1565 Miles St Dolomite, AL	3.0	2.0	1120	$1,175	$1.05	18d	1	0.41mi
605 10th Ave Birmingham, AL	3.0	1.0	1060	$850	$0.80	45d	1	1.39mi
200 Love St Bessemer, AL	2.0	1.0	675	$1,100	$1.63	45d	1	1.48mi

Listing history 28 events

1. 2026-06-22
   days on market $114,000 Active 111 DOM
2. 2026-06-18
   days on market $114,000 Active 108 DOM
3. 2026-06-17
   days on market $114,000 Active 107 DOM
4. 2026-06-16
   days on market $114,000 Active 106 DOM
5. 2026-06-15
   days on market $114,000 Active 105 DOM
6. 2026-06-13
   days on market $114,000 Active 103 DOM
7. 2026-06-10
   days on market $114,000 Active 100 DOM
8. 2026-06-09
   days on market $114,000 Active 99 DOM
9. 2026-06-08
   days on market $114,000 Active 98 DOM
10. 2026-06-07
    days on market $114,000 Active 97 DOM
11. 2026-06-03
    days on market $114,000 Active 93 DOM
12. 2026-06-02
    days on market $114,000 Active 92 DOM
13. 2026-06-01
    days on market $114,000 Active 91 DOM
14. 2026-05-31
    days on market $114,000 Active 90 DOM
15. 2026-03-02
    listed $114,000 Active 50-char remark

    Show marketing remark (50 chars)

    INVESTORS ONLY! TENANT OCCUPIED until October 2026

16. 2025-09-22
    historical $1,075
17. 2025-09-06
    price $1,075
18. 2025-08-24
    price $1,095
19. 2025-08-09
    listed $1,125
20. 2022-12-15
    soldstatus $129,000
21. 2022-09-07
    soldstatus $60,000
22. 2014-04-11
    soldstatus $51,000
23. 2014-01-15
    soldstatus $55,500
24. 2013-07-12
    soldstatus $63,400
25. 2013-06-07
    soldstatus $33,000
26. 2012-12-11
    soldstatus $12,000 413-char remark

    Show marketing remark (413 chars)

    Cute two bedroom, one bath home. Good sized living room with fireplace. Separate dining room. Kitchen is good size with eat in area and good amount of cabinet space. Level lot with fenced in back yard. Back of house has a nice screened in deck along with an open area of the deck. * * UP TO $500 HOME WARRANTY INCENTIVE * * * - Bonus is available only for owner-occupant primary or secondary home purchases.

27. 2012-10-31
    listed $14,900 413-char remark

    Show marketing remark (413 chars)

    Cute two bedroom, one bath home. Good sized living room with fireplace. Separate dining room. Kitchen is good size with eat in area and good amount of cabinet space. Level lot with fenced in back yard. Back of house has a nice screened in deck along with an open area of the deck. * * UP TO $500 HOME WARRANTY INCENTIVE * * * - Bonus is available only for owner-occupant primary or secondary home purchases.

28. 2008-12-31
    soldstatus $77,000

ⓘ 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: $1,379 · $115/mo
• Projected year-2 tax: $1,379 · $115/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 2/10 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 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,285
• − Mortgage interest: −$6,386
• − Property taxes: −$1,379
• − Insurance: −$570
• − Repairs & maintenance: −$1,143
• − Management: −$1,143
• − Depreciation: −$3,316
• Taxable income: $349
• Est. tax owed @ 24.0%: −$84
• After-tax cash flow: $2,079/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 — Hueytown

• Score: 57/100
• State rank: #378
• US rank: #21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hueytown, AL
• County: Jefferson County · 527,445 people
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 25,533
• Household income: $69,863
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 247.0

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: White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 7%

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: ▼ -0.60%
• Current HPI: 389.38
• Rent YoY: ▲ 1.60%
• 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

+48.1% since first listed

14 events — show timeline

• 2026-03-02 Listed $114,000 Greater Alabama MLS
• 2025-09-22 Rental Removed $1,075 SHOWMOJO
• 2025-09-06 Price Changed $1,075 SHOWMOJO
• 2025-08-24 Price Changed $1,095 SHOWMOJO
• 2025-08-09 Listed for Rent $1,125 SHOWMOJO
• 2022-12-15 Sold (Public Records) $129,000 Public Records
• 2022-09-07 Sold (Public Records) $60,000 Public Records
• 2014-04-11 Sold (Public Records) $51,000 Public Records
• 2014-01-15 Sold (Public Records) $55,500 Public Records
• 2013-07-12 Sold (Public Records) $63,400 Public Records
• 2013-06-07 Sold (Public Records) $33,000 Public Records
• 2012-12-11 Sold (MLS) $12,000 Greater Alabama MLS
• 2012-10-31 Listed $14,900 Greater Alabama MLS
• 2008-12-31 Sold (Public Records) $77,000 Public Records

Property tax history

+4.8%/yr

Latest (2025): $1,379 · +0.0% YoY. Source: county tax records.