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114 2nd St NW, Fayette, AL, 35555

2beds
1.5baths
1,168sqft
$189,900
$163price/sqft
$1,429/moest. monthly cost
$57,160/yrincome needed

About This Home

Check out this COZY COTTAGE, located on 2 lots! Home features 2BD and 1.5BA. It's conveniently located downtown Fayette, right across from the Post Office. It has been totally remodeled. Open concept, formal dining rm, new stainless appliances. This property offers incredible potential for a business and would be ideal for a shop, bakery, professional office space. Call me for a showing.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

6/10
Fayette Middle SchoolGrades 5-80.3 mi
6/10
Fayette Co High SchoolGrades 9-121.3 mi
5/10
Fayette Elementary SchoolGrades PK-40.4 mi

Construction

Condition

  • Property condition: Existing Structure,Excellent

Materials

  • Roof: Shingle
  • Construction materials: Frame,Brick Veneer,HardiPlank Type,Drywall

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Oven,Electric Range,Refrigerator,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1.5

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,168
  • Total interior livable area: 1,168 sqft

Property

Details

  • Parcel number: 13030644030110000
  • Zoning: _

Features

  • Stories: 1
  • Patio & porch: Deck,Porch
  • Waterfront features: No - None

Parking

  • Parking features: Parking Pad
  • Has uncovered spaces: Yes

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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Heat Wave
Inland Flooding
Drought
Earthquake
Hail
Hurricane

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 $960$11,520
Home Insurance *$196$2,352
Property Taxes $33$396
Electricity $240$2,881
Total$1,429$17,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,994/yr
40% on housing$42,870/yr
45% on housing$38,106/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 35555$98
Fayette County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 35555
Fayette County$96

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)

No zestimate history available

Price History

DateEventPrice
2026-06-09Listed for sale$189,900
2026-03-19Listing removed$194,900
2025-11-18Price change$194,900
2025-05-13Listed for sale$198,900
2025-03-04Listing removed$209,000
2024-09-06Listed for sale$209,000

For Sale by Agent

AgentJamie Mansfield Farris
BrokerageRealtySouth Bungalow's

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