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443 Elberta Loop, Lillian, AL, 36549

0beds
0baths
624sqft
$184,900
$296price/sqft
$1,399/moest. monthly cost
$55,960/yrincome needed

About This Home

2 RV lots for sale in Spanish Cove, Lillian,Al. with a 20 x 48 RV cover with water, sewer & electric with a 16 x 16 screen sitting room, large L-shaped deck with gas firepit, enclosed wood burning fireplace, granite bar with stools, gas grill, 8 x 16 shed with a/c, washer & dryer hookups. Camper in picture not for sale.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
Elberta Elementary SchoolGrades PK-67.6 mi
7/10
Elberta Middle SchoolGrades 7-88.6 mi
9/10
Elberta Middle SchoolGrades 9-128.6 mi

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Slab

Type & Style

  • Home type: SingleFamily

Interior

Interior Area

  • Total interior livable area: 624 sqft

Property

Details

  • Parcel number: 5208257020029000

Lot

  • Lot size: 6,534 sqft

Parking

  • Parking features: Carport

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters Across Alabama Counties

Flood
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 $934$11,208
Home Insurance *$181$2,172
Property Taxes $44$528
Electricity $240$2,881
Total$1,399$16,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,965/yr
40% on housing$41,970/yr
45% on housing$37,306/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 36549$103
Baldwin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 36549$184
Baldwin County$189

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
2026-06-19Listed for sale$184,900
2015-11-02Sold$13,500
2015-10-08Listed for sale$20,000

For Sale by Owner

AgentProperty Owner

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