




516 Elberta Loop, Lillian, AL, 36549
About This Home
Welcome to your coastal retreat in Spanish Cove in Lillian, Alabama! This well-maintained 3-bedroom, 3-bath cottage offers a flexible layout and access to one of the area’s most amenity-rich waterfront communities on Perdido Bay.Inside, you’ll find an open living and dining area with moveable kitchen island designed for comfortable everyday living and easy entertaining. The home features three private bedroom suites—each with its own bathroom—providing ideal privacy for guests or multi-generational living.A standout feature is the third bedroom, which has its own private entrance and functions like a separate living space, complete with a shower, toilet, kitchenette, and combined living/dining/bedroom area—great for guests or extended family.Additional highlights include:Screened front porch for relaxing coastal evenings.Separate laundry room (with window unit)Dedicated workshop areaThree mini-split systems for efficient heating and cooling.Plenty of attic storage and extra lighting provided by street light. Located in the highly desirable Spanish Cove community, residents enjoy:Pool and private beach area on Perdido BayFishing pier and deeded bay access.Two clubhouses.Tennis and pickleball courts.Walking trails, library, and fitness center.Laundry facilities and a full calendar of social activities.This golf cart-friendly and dog-friendly neighborhood offers a laid-back coastal lifestyle with everything you need right at your fingertips.Whether you’re looking for a primary residence or a coastal getaway, this unique property checks all the boxes. 15- minutes from gulf beaches. Tanger outlet and OWA- 20 mintute drive. Sold As Is. Buyer to verify all information during due diligence.
Getting Around
Schools
Construction
Condition
- Year built: 2016
Type & Style
- Home type: SingleFamily
- Property subType: Residential
Interior
Bedrooms & Bathrooms
- Bedrooms: 3
- Full bathrooms: 3
Property
Lot
- Lot size: 3,267 sqft
Parking
- Total spaces: 2
- Parking features: Three or More Vehicles
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
- Coastal Flooding
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Tornado
- 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 | $884 | $10,608 |
| Home Insurance * | $171 | $2,052 |
| Property Taxes | $42 | $504 |
| Electricity | $240 | $2,881 |
| Total | $1,337 | $16,044 |
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
No price history available
