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1054 Oak St, Montgomery, AL, 36108

2beds
1baths
1,278sqft
$37,900
$30price/sqft
$513/moest. monthly cost
$20,520/yrincome needed

About This Home

!!! INVESTORS OPPORTUNITY !!!. THE POSSIBILITIES ARE ENDLESS WITH THIS MIX USE ZONED RESIDENTIAL/COMMERCIAL TEAR DOWN PROPERTY! HERE'S YOUR CHANCE FOR YOU TO DEVELOP A MULTIPLE FAMILY, A CULTURAL COMMUNITY CENTER, ENTERTAINMENT SPACE, ETC,,,

Getting Around

34
WalkingCar-Dependent
21
TransitMinimal Transit
38
BikeSomewhat Bikeable

Schools

6/10
2/10
Southlawn Middle SchoolGrades 6-84.3 mi
3/10
Carver Senior High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1940

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Wood
  • Fireplace features: Outside

Interior Area

  • Total interior livable area: 1,278 sqft

Property

Details

  • Parcel number: 1106144014011.000

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Fully Fenced
  • Fencing: Full

Lot

  • Lot size: 6,098 sqft
  • Features: City Lot
  • Lot size dimensions: 50 x 126

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Tornado
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 $191$2,292
Home Insurance *$71$852
Property Taxes $11$132
Electricity $240$2,881
Total$513$6,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$17,588/yr
40% on housing$15,390/yr
45% on housing$13,680/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 13.9%
13.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$30This listing

vs Other Active Listings

Avg $/sqft

ZIP 36108$33
Montgomery County$105

vs Homes Sold Last Month

Median $/sqft

ZIP 36108$63
Montgomery County$102

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
2026-02-09Listed for sale$37,900
2023-10-19Sold$7,000
2023-10-05Contingent$7,000
2023-10-03Listed for sale$7,000

For Sale by Agent

AgentWilliam Andrews, II
BrokerageUnlimited Realty

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