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108 James St, Lincoln, AL, 35096

6beds
4baths
4,000sqft
$497,900
$124price/sqft
$3,460/moest. monthly cost
$138,400/yrincome needed

About This Home

BRAND NEW ROOF and NO MONEY DOWN OPTIONS with separate living quarters for the In-laws. This beauty offers six bedroom, four full bath, four sided brick property designed for comfort, flexibility, and space! Nestled in a quiet, well established neighborhood, this home is perfect for large families, multi generational living, or even potential rental income. Featuring 2 or 3 master suites and two full kitchens, this layout offers unmatched versatility. The fully equipped in law suite with its own private entrance provides the perfect setup for extended family or guests while maintaining privacy for everyone. Situated on two separate parcels with two driveways, there’s plenty of room for parking, outdoor living, or future expansion. Whether you need space to spread out or want to create separate living areas, this home delivers! Enjoy the convenience of being just 5 minutes from the interstate, shopping, dining, and the Honda plant, making commuting and everyday living a breeze.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

9/10
Lincoln Elementary SchoolGrades PK-52.2 mi
9/10
3/10
Lincoln High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2010

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Microwave,Electric Oven,Self Cleaning Oven,Double Oven,Refrigerator,Stainless Steel Appliance(s),Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Main Level,Laundry Room,Laundry (ROOM),Yes

Basement

  • Area: 857

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Daylight,Concrete

Bathroom1

  • Level: First

Bathroom3

  • Level: Second

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: Basement

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Multiple Staircases,Recessed Lighting,Split Bedroom,Cathedral/Vaulted,High Ceilings,Crown Molding,Smooth Ceilings,Tray Ceiling(s),Double Shower,Linen Closet,Separate Shower,Double Vanity,Split Bedrooms,Tub/Shower Combo,Walk-In Closet(s),Dressing Room
  • Flooring: Hardwood,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Tile (FIREPL),Living Room,Gas,Outside
  • Fireplace: Yes
  • Attic: Other,Yes
  • Finished area below ground: 857
  • Finished area above ground: 3,143

Heating & Cooling

  • Heating features: Central,Dual Systems (HEAT)
  • Cooling features: Central Air,Dual

Interior Area

  • Total interior livable area: 4,000 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0308270005005.066
  • Special condition: N/A

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Open (PATIO),Patio,Covered (DECK),Screened (DECK),Deck
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 0.96 Acres

Parking

  • Total spaces: 2
  • Parking features: Basement,Driveway,Lower Level,Parking (MLVL),RV Access/Parking,Garage Faces Side
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Heat Wave
Lightning
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 $2,517$30,204
Home Insurance *$376$4,512
Property Taxes $120$1,440
Electricity $447$5,370
Total$3,460$41,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,628/yr
40% on housing$103,800/yr
45% on housing$92,266/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 35096$177
Talladega County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 35096$141
Talladega County$128

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
2026-08-12Price change$495,000
2026-08-01Price change$497,900
2026-07-14Price change$499,900
2026-06-16Price change$510,000
2026-06-08Price change$519,900
2026-05-19Price change$523,900
2026-04-25Price change$524,900
2026-04-09Price change$534,900
2026-03-26Listed for sale$544,900
2025-12-01Sold$322,000
2018-09-27Listing removed$150,938
2018-09-06Listed for sale--
2015-12-28Sold$255,000
2015-11-30Pending sale$264,900
2015-10-27Price change$264,900
2015-04-14Listed for sale$270,000
2015-01-15Listing removed$275,000
2014-03-07Price change$275,000
2014-01-17Listed for sale$294,900

For Sale by Agent

AgentHope Rhoades
BrokerageKeller Williams

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