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304 Forest Ave SW, Fort Payne, AL, 35967

4beds
4baths
3,304sqft
$480,000
$145price/sqft
$3,319/moest. monthly cost
$132,760/yrincome needed

About This Home

Classic charm in a prime location near downtown! Located on historic Forest Avenue, this 4BR/3.5BA home sits in an established neighborhood close to schools, shopping, and dining. Features include a wraparound porch, spacious kitchen with island and breakfast area, plus formal living and dining rooms. Cozy den with reclaimed wood accents and antique mantel. Newly finished hardwoods on the main level, carpet upstairs. Large primary suite with sitting area, walk-in closet, and Juliet balcony. Full basement with garage and flex space. 3-car carport, concrete drive, and shaded backyard complete this home.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

10/10
5/10
Fort Payne Middle SchoolGrades 6-84.8 mi
5/10
Fort Payne High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1979

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Oven,Dishwasher,Microwave,Refrigerator,Trash Compactor

Basement

  • Has basement: Yes
  • Basement: Basement

Bedroom2

  • Level: Second
  • Area: 225

Bedroom3

  • Level: Second
  • Area: 225

Bedroom4

  • Level: Second
  • Area: 225

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas Log,One
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central 1
  • Cooling features: Central 1

Interior Area

  • Total interior livable area: 3,304 sqft

Kitchen

  • Features: 9’ Ceiling,Ceiling Fan(s),Eat-in Kitchen,Kitchen Island,Wood Floor
  • Level: First
  • Area: 561

Living Room

  • Features: 9’ Ceiling,Crown Molding,Wood Floor
  • Level: First
  • Area: 336

Master Bedroom

  • Features: 9’ Ceiling,Ceiling Fan(s),Crown Molding,Carpet,Sitting Area
  • Level: Second
  • Area: 400

Property

Details

  • Parcel number: 2302042003055000

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.56 Acres

Parking

  • Total spaces: 3
  • Parking features: Carport,Detached Carport
  • Carport spaces: 3

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather
Earthquake
Hail
Ice Storm
Lightning

FEMA Declared Disasters Across Alabama Counties

Flood
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 $2,427$29,124
Home Insurance *$427$5,124
Property Taxes $96$1,152
Electricity $369$4,436
Total$3,319$39,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,794/yr
40% on housing$99,570/yr
45% on housing$88,506/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$145This listing

vs Other Active Listings

Avg $/sqft

ZIP 35967$139
DeKalb County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 35967$137
DeKalb County$150

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
2026-04-07Listed for sale$485,000
2020-12-11Listing removed$139,900
2020-12-10Listed for sale$139,900
2020-03-07Sold$215,000

For Sale by Agent

AgentHolly Houston
BrokerageDelightful Retreats

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