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188 Chesser Reserve Dr, Chelsea, AL, 35043

4beds
3baths
2,367sqft
$374,900
$158price/sqft
$2,499/moest. monthly cost
$99,960/yrincome needed

About This Home

**$5000 carpet allowance!!** 4-bed home in Chelsea’s Chesser Reserve stands out for its open layout, exceptional backyard, close proximity to neighborhood pool, and is in the most conveniently-located neighborhood in all of Chelsea. Main level has spacious open floorplan Living Room that flows seamlessly through dining area and into Kitchen, and it's all been freshly painted. Kitchen is anchored by large island w/ plenty of prep space and seating. Out back, you’ll find one of the larger yards in the neighborhood—flat, fenced, and truly usable. There is plenty of room to play, host gatherings, or simply enjoy the extra space. And the lot does not back up to another home, offering added privacy. Upstairs are 4 beds, incl. spacious primary ste w/ private bath that has double-bowl vanity, soaking tub, & separate shower. Only 3 houses from neighborhood pool, this home offers combination of layout, yard space, and convenience that’s hard to find. Call today to schedule your private showing.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

9/10
10/10
Chelsea Middle SchoolGrades 6-81.4 mi
8/10
Chelsea High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Slab
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Stove-Electric,Gas Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Upper Level,Laundry Room,Laundry (ROOM),Yes

Basement

  • Area: 0

Bathroom1

  • Level: First

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Recessed Lighting,Crown Molding,Smooth Ceilings,Soaking Tub,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet
  • Attic: Pull Down Stairs,Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,367

Heating & Cooling

  • Heating features: Central,Forced Air
  • Cooling features: Central Air,Electric,Ceiling Fan(s)

Interior Area

  • Total interior livable area: 2,367 sqft

Kitchen

  • Features: Stone Counters,Eat-in Kitchen,Kitchen Island,Pantry
  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 098270007020.000
  • Special condition: N/A

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: In Ground,Community
  • Patio & porch: Open (PATIO),Patio
  • Exterior features: None
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 6,969 sqft
  • Features: Subdivision

Parking

  • Total spaces: 2
  • Parking features: Parking (MLVL),Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
Lightning
Heat Wave
Landslide
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 $1,895$22,740
Home Insurance *$209$2,508
Property Taxes $131$1,572
Electricity $264$3,178
Total$2,499$29,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,680/yr
40% on housing$74,970/yr
45% on housing$66,640/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 35043$217
Shelby County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 35043$167
Shelby County$174

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
2026-04-24Price change$344,900
2026-03-16Listed for sale$348,000
2015-04-13Sold$166,680

For Sale by Agent

AgentDavid Mackle
BrokerageKeller Williams Realty Vestavia

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