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102 2nd St SW, Garden City, AL, 35070

1beds
1baths
1,000sqft
$50,900
$51price/sqft
$542/moest. monthly cost
$21,680/yrincome needed

About This Home

Loft-style home for sale with fenced in yard. Price includes storage trailers.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

3/10
8/10
Hanceville Middle SchoolGrades 6-83.3 mi
6/10
Hanceville High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Interior Area

  • Total interior livable area: 1,000 sqft

Property

Details

  • Parcel number: 2502090020003000

Lot

  • Lot size: 7,920 sqft

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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Heat Wave
Inland Flooding
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 $257$3,084
Home Insurance *$37$444
Property Taxes $8$96
Electricity $240$2,881
Total$542$6,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$18,582/yr
40% on housing$16,260/yr
45% on housing$14,453/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

$51This listing

vs Other Active Listings

Avg $/sqft

ZIP 35070
Cullman County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 35070
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)

No zestimate history available

Price History

DateEventPrice
2024-11-25Listed for sale$50,900
2008-05-12Sold$32,200

For Sale by Owner

AgentHoward Gardner

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