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380 Richards Cir, Pell City, AL, 35128

--beds
--baths
--sqft
$24,500
--price/sqft
$380/moest. monthly cost
$15,200/yrincome needed

About This Home

This is a single family home. This home is located at 380 Richards Cir, Pell City, AL 35128.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

5/10
--
Duran SouthGrades 74.9 mi
4/10
Pell City High SchoolGrades 9-125.6 mi

Construction

Type & Style

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

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Cold Wave
Heat Wave
Lightning
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 $123$1,476
Home Insurance *$12$144
Property Taxes $5$60
Electricity $240$2,881
Total$380$4,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$13,028/yr
40% on housing$11,400/yr
45% on housing$10,133/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 35128$197
St. Clair County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 35128$157
St. Clair County$158

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
2025-12-19Price change$25,000
2024-12-15Listed for sale$20,000

For Sale by Agent

AgentChris Christian
BrokerageTrussville/East

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