11158 Thistledown Loop, Spanish Fort, AL, 36527
About This Home
Rare opportunity to ASSUME the seller's 3.0% interest rate (subject to lender approval and buyer qualification), offering approximately $200,000 savings over the life of the loan and a significant potential $350 monthly savings compared to today's rates! This Gold Fortified one-level home sits on a corner lot backing to wooded green space in the desirable Churchill subdivision in Spanish Fort. The open, split-bedroom floor plan features HIGH CEILINGS, a fireplace, custom built-ins, and abundant natural light. The kitchen offers GRANITE COUNTERTOPS, a center island, pantry, and ample cabinet storage. The spacious primary suite includes DOUBLE VANITIES, a separate tiled shower, soaking tub, and walk-in closet. Three additional bedrooms share a hall bath with double vanities. Functional laundry room with walk-in storage and a mudroom with built-in boot bench. Plantation shutters throughout, FRESH INTERIOR PAINT, and NEW BEDROOM CARPET make this home move-in ready. Enjoy the back deck overlooking the FULLY FENCED backyard, plus a 12x12 custom shed, seamless gutters, and additional storage underneath the home. The professionally encapsulated crawlspace features a dehumidifier, pump system, and TRANSFERABLE WARRANTY. Side-entry double garage with an extra parking pad. Churchill amenities include a community pool, playground, sidewalks, and street lights, all with convenient access to I-10. Buyer to verify all information during due diligence.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2020
Materials
- Foundation: Concrete Perimeter
- Roof: Composition
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Disposal,Dishwasher,Gas Range,Microwave
- Laundry features: Main Level,Mud Room
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Double Vanity
- Window features: Plantation Shutters
- Flooring: Carpet,Ceramic Tile
- Fireplace features: Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,314
- Total interior livable area: 2,314 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 3206240000002046
Features
- Levels: One
- Pool features: None
- Patio & porch: Covered,Front Porch,Rear Porch
- Exterior features: Private Yard
- Spa features: None
- Fencing: Back Yard,Fenced,Gate,Privacy,Wood
- Has view: Yes
- View description: Other
- Waterfront features: None
Lot
- Lot size: 0.36 Acres
- Features: Back Yard,Front Yard
- Lot size dimensions: 111 x 140 x 114 x 132
Parking
- Total spaces: 4
- Parking features: Attached,Driveway,Garage,Garage Faces Side,Kitchen Level,Level Driveway,Parking Pad
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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
- Lightning
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Tornado
- Wildfire
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Alabama Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,275 | $27,300 |
| Home Insurance * | $306 | $3,672 |
| Property Taxes | $108 | $1,296 |
| Electricity | $258 | $3,107 |
| Total | $2,947 | $35,364 |
Income You'd Need if You Spent...
Alabama FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-01 | Price change | $449,999 |
| 2026-06-29 | Listed for sale | $460,000 |
| 2020-06-01 | Sold | $296,795 |
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