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5123 Lower James St, Montgomery, AL, 36116

4beds
3baths
2,492sqft
$519,000
$208price/sqft
$3,594/moest. monthly cost
$143,760/yrincome needed

About This Home

Overlooking Hampstead’s wooded preserves, this beautifully appointed home offers the perfect blend of privacy, elegance, and walkable village living. The front door enters into a charming foyer and solid wood floors leading to a spacious great room that flows seamlessly into the kitchen and dining area, with new alabaster paint, all thoughtfully positioned to capture the peaceful natural views. A charming sunroom provides the perfect setting for morning coffee or bird watching. The kitchen features updated pendant lighting, wine cooler, oversized work island, stainless steel appliances, gas range, quartz countertops, and classic subway tile backsplash. The sink is located on the side countertop with windows offering a view of the outdoor space. French doors open to a professionally landscaped courtyard designed for effortless outdoor living, complete with maintenance-free turf and lush plantings including gardenias, camellias, hydrangeas, roses, and Japanese maple. A wide covered breezeway connecting the two-car garage creates an inviting space for al fresco dining. The abundant cabinet space in kitchen, laundry The spacious primary suite offers two walk-in closets and a spa-inspired bath with soaking tub, separate vanities, and walk-in shower. Upstairs, an open landing leads to three additional guest bedrooms, providing comfortable space for family and visitors. Enjoy the best of the Hampstead lifestyle just steps away — with walkable access to City Grill, Taste, The Tipping Point, the Barking Lot dog park, playground, tennis and pickleball courts, two neighborhood pools, Hampstead Athletic Club, Montessori school, public library, and miles of parks and green space. Strategically priced to sell at $519,900, this is the best value in Hampstead at just $208 psf.

Getting Around

21
WalkingCar-Dependent
0
TransitNo Nearby Transit
30
BikeSomewhat Bikeable

Schools

4/10
Carr Middle SchoolGrades 6-83.0 mi
4/10
Park Crossing High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: New Construction
  • Year built: 2018

Materials

  • Foundation: Slab
  • Construction materials: Brick,HardiPlank Type

Other

  • Builder model: Ebury
  • Builder name: Lowder New Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Multiple Water Heaters

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Second

Breakfast Room Nook

  • Level: First

Features

  • Double Vanity,Garden Tub/Roman Tub,High Ceilings,Pull Down Attic Stairs,Shutters,Walk-In Closet(s),Window Treatments,Kitchen Island
  • Window features: Blinds,Double Pane Windows,Plantation Shutters
  • Flooring: Carpet,Tile,Wood
  • Attic: Pull Down Stairs

Great Room

  • Level: First

Half Bath

  • Level: First

Heating & Cooling

  • Heating features: Multiple Heating Units
  • Cooling features: Multi Units

Interior Area

  • Total interior livable area: 2,492 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 1603052000086.000

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community,Pool
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Covered Patio,Fully Fenced,Porch
  • Fencing: Full

Lot

  • Lot size: 3,950 sqft
  • Features: City Lot
  • Lot size dimensions: 53 x 74

Parking

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

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
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Heat Wave
Strong Wind
Tornado

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 $2,624$31,488
Home Insurance *$537$6,444
Property Taxes $155$1,860
Electricity $278$3,346
Total$3,594$43,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,222/yr
40% on housing$107,820/yr
45% on housing$95,840/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 36116$120
Montgomery County$104

vs Homes Sold Last Month

Median $/sqft

ZIP 36116$113
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
2026-03-06Listed for sale$519,000
2024-11-25Sold$440,000
2024-09-06Price change$465,500
2024-07-08Price change$479,500
2024-07-03Price change$155,000
2024-05-25Price change$499,900
2024-05-03Price change$514,900
2024-01-18Listed for sale$525,000
2018-12-10Sold$384,500
2018-02-27Listed for sale$384,500

For Sale by Agent

AgentKimberly Traff
BrokerageHampstead Community Realty LLC

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