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450 Highway 63, Phil Campbell, AL, 35581

5beds
3baths
2,194sqft
$350,000
$160price/sqft
$2,562/moest. monthly cost
$102,480/yrincome needed

About This Home

Step inside this stunning home featuring a beautiful kitchen with quartz countertops, stainless steel appliances, and plenty of space for cooking and entertaining. The spacious primary suite is a private retreat, complete with a luxurious custom tile shower, soaking tub, and its own mini-split HVAC system for added comfort. The inviting living room features a cozy fireplace, creating the perfect place to gather with family and friends. You'll also appreciate the detached garage, complete with its own kitchen, bathroom making it ideal for entertaining, a workshop, or additional flex space. Recent interior updates include fresh paint throughout the entire home, an updated HVAC system for improved efficiency, and a mini-split system added to the primary suite. The backyard is where this property truly shines. Enjoy a sparkling in-ground pool with a brand-new liner, a beautiful gazebo that's perfect for entertaining, and a nearly completed pool house/shop.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

8/10
7/10
Phil Campbell High SchoolGrades 7-121.6 mi
8/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1972

Materials

  • Foundation: Slab

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Gas Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 5

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,194

Heating

  • Heating features: Central

Interior Area

  • Total structure area: 2,194
  • Total interior livable area: 2,194 sqft

Property

Details

  • Parcel number: 1405160000034.000.0

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Fencing: Wood

Lot

  • Lot size: 0.84 Acres
  • Lot size dimensions: 176 x 217 x 210 x 176

Parking

  • Total spaces: 2
  • Parking features: Garage,Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 1

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Lightning
Earthquake
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 $1,769$21,228
Home Insurance *$394$4,728
Property Taxes $154$1,848
Electricity $245$2,945
Total$2,562$30,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,840/yr
40% on housing$76,860/yr
45% on housing$68,320/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 35581$101
Franklin County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 35581
Franklin County$98

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
2026-07-28Listed for sale$350,000
2023-07-05Sold$263,500
2023-05-31Pending sale$265,000
2023-05-22Listed for sale$265,000

For Sale by Agent

AgentJoanie Hall
BrokerageMain Street Real Estate

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