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397 Owens Rd, Fort Mitchell, AL, 36856

4beds
3baths
2,726sqft
$350,000
$128price/sqft
$2,422/moest. monthly cost
$96,880/yrincome needed

About This Home

Welcome to the slower side of Fort Mitchell. Sitting on an acre, this incredibly spacious home is a true hidden gem. It's incredibly hard to come across a home of this caliber, the land attached, and on this side of Fort Mitchell. Lucky for you, here it is! After coming down the long driveway you'll see spacious parking and a large two-car garage. Downstairs you have an office space, a formal dining room and an additional flex room. While you're relaxing in the living room you'll feel the calm comfort of your custom old-school style wood burning fireplace. This open concept kitchen-to-living room keeps everyone together to enjoy the days & nights. While you are at the kitchen sink, you have an easy view of your fully fenced in and bountiful backyard. You can enjoy these sweet Alabama seasons with your favorite people on your covered back porch. This home features a very large primary suite with a recently updated stone and tile shower, and two walk-in closets. Additionally, you have three separate guest rooms, one of which, is quite sizable and has its own full bathroom too! If you hesitate, it'll be gone.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Mt Olive Primary SchoolGrades PK-28.8 mi
4/10
Russell Co Middle SchoolGrades 6-812.2 mi
4/10
Russell Co High SchoolGrades 9-1211.9 mi

Construction

Condition

  • Year built: 2011

Materials

  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining Area

Features

  • Double Vanity
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,726
  • Total interior livable area: 2,726 sqft

Kitchen

  • Features: View Family Room

Master Bathroom

  • Features: Double Vanity

Property

Details

  • Parcel number: 170736000000900
  • Special condition: Standard

Features

  • Levels: Two
  • Fencing: Fenced
  • Living area range: 2000-2499

Lot

  • Lot size: 1 Acres
  • Features: Private Backyard

Parking

  • Parking features: No Garage

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
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Drought
Heat Wave
Tornado

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 $1,769$21,228
Home Insurance *$238$2,856
Property Taxes $110$1,320
Electricity $305$3,660
Total$2,422$29,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,040/yr
40% on housing$72,660/yr
45% on housing$64,586/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.3%
-3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$128This listing

vs Other Active Listings

Avg $/sqft

ZIP 36856$125
Russell County$105

vs Homes Sold Last Month

Median $/sqft

ZIP 36856
Russell County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-28Price change$350,000
2026-07-22Price change$365,000
2026-07-05Price change$370,000
2026-06-25Listed for sale$380,000
2022-04-28Sold$295,000
2022-04-04Pending sale$290,000
2022-03-29Listed for sale$290,000
2018-03-27Sold$202,300

For Sale by Agent

AgentMontana Branco
BrokerageKeller Williams Realty River Cities

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