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821 45th St W, Birmingham, AL, 35208

2beds
1baths
1,031sqft
$88,900
$86price/sqft
$964/moest. monthly cost
$38,560/yrincome needed

About This Home

A beautifully maintained 3-bedroom, 1-bath bungalow nestled in the heart of Birmingham’s historic Ensley neighborhood. This inviting residence blends classic character with thoughtful updates, making it the perfect place for first-time buyers, downsizers, or investors. Step inside and be greeted by a sunlit living room featuring original hardwood floors and fresh neutral paint throughout. Up to $5000 towards closing when using preferred lender. Ask for details. Outside, enjoy a sizable yard perfect for weekend barbecues, gardening, or simply relaxing. A covered front porch adds curb appeal and a perfect spot to enjoy your morning coffee. Conveniently located just minutes from downtown Birmingham, major highways, schools, and local park

Getting Around

38
WalkingCar-Dependent
21
TransitMinimal Transit
9
BikeSomewhat Bikeable

Schools

4/10
1/10
Jackson-Olin High SchoolGrades 8-122.1 mi

Construction

Condition

  • Year built: 1951

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Main Level,Other,Yes

Basement

  • Area: 0

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • None,Smooth Ceilings,Soaking Tub
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Brick (FIREPL),Living Room,Gas
  • Fireplace: Yes
  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 1,031

Heating & Cooling

  • Heating features: Natural Gas,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,031 sqft

Kitchen

  • Features: Laminate Counters
  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 3000121029003.000
  • Attached to another structure: Yes
  • Special condition: N/A

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Open (DECK),Deck
  • Fencing: Fenced
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 7,840 sqft

Parking

  • Total spaces: 2
  • Parking features: Driveway,On Street
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Heat Wave
Strong Wind

FEMA Declared Disasters Across Alabama Counties

Hurricane
Severe Storm
Tornado
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $449$5,388
Home Insurance *$233$2,796
Property Taxes $42$504
Electricity $240$2,881
Total$964$11,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,051/yr
40% on housing$28,920/yr
45% on housing$25,706/yr

Alabama FAIR Plan Programs

Alabama FAIR Plan

Covered
None
Add-on available
WildfireWildfire
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 35208$45
Jefferson County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 35208$53
Jefferson County$136

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-18Price change$89,000
2026-03-11Listed for sale$99,500
2026-02-01Listing removed$99,900
2026-01-05Listed for sale$99,900
2025-02-19Sold$113,400
2024-01-04Sold$126,000
2023-11-16Contingent$125,000
2023-11-08Price change$125,000
2023-10-27Listed for sale$145,000
2012-04-03Listed for rent$675
2009-12-10Sold$62,906
2000-08-31Sold$57,000
2000-01-06Sold$32,491

For Sale by Agent

AgentKimona Tolbert
BrokerageeXp Realty, LLC Central

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