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1535 Ann St NW, Cullman, AL, 35055

5beds
5baths
4,152sqft
$579,000
$139price/sqft
$3,943/moest. monthly cost
$157,720/yrincome needed

About This Home

1535 Ann St NW Don't miss this unique opportunity to own a beautifully maintained 2,296 sqft. full-brick home with an additional 1,856 sqft finished basement in one of Cullman's most desirable locations.Situated on a rare .98acre lot,this property offers space,privacy,and versatility that are hard to find.The main level features a large kitchen with granite and tile countertops,modern stainless steel appliances,a breakfast area,and a formal dining room.The spacious primary suite includes a completely remodeled bath,custom closet makeover,and a private porch perfect for relaxing.The fully finished basement serves as a self-contained apartment with 3 bedrooms,2 baths,and a full kitchen,making it ideal for aging parents,extended family,guests,or rental income.The current owner has successfully used it for both family living and income production.Additional features include a 700 sq ft attached 2-car garage and a 434 sq ft basement garage,providing plenty of storage and workspace. $579,900

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

10/10
West Elementary SchoolGrades 3-60.7 mi
10/10
Cullman Middle SchoolGrades 7-80.9 mi
10/10
Cullman High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2001

Type & Style

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

Interior

Basement

  • Area: 2290

Basement

  • Has basement: Yes
  • Basement: Daylight,Exterior Entry,Finished,Full,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,856
  • Finished area above ground: 2,296

Interior Area

  • Total structure area: 5,286
  • Total interior livable area: 4,152 sqft

Property

Details

  • Parcel number: 1702093009007.000
  • Zoning: R1

Features

  • Frontage length: 287.5

Lot

  • Lot size: 0.90 Acres
  • Lot size dimensions: 287.5 x 140

Parking

  • Total spaces: 3
  • Parking features: Additional Parking,Circular Driveway,Concrete,Driveway,Attached,Basement,Garage Door Opener,Garage Faces Front,Garage Faces Side,Inside Entrance,Kitchen Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Heat Wave
Inland Flooding
Ice Storm
Winter Weather

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 $2,927$35,124
Home Insurance *$451$5,412
Property Taxes $101$1,212
Electricity $464$5,575
Total$3,943$47,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,188/yr
40% on housing$118,290/yr
45% on housing$105,146/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 9.5%
9.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 35055$134
Cullman County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 35055$143
Cullman County$151

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
2026-06-03Listed for sale$579,000
2017-12-05Sold$325,000
2016-12-05Sold$325,000
2016-07-16Listed for sale$349,900

For Sale by Agent

AgentBrannon Ray
BrokerageDoyle Real Estate Agency Inc

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