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771 N County Road 55 Rd, Ashford, AL, 36312

2beds
2baths
1,792sqft
$195,000
$109price/sqft
$1,447/moest. monthly cost
$57,880/yrincome needed

About This Home

Discover the perfect blend of tranquility and comfort in this charming 2-bedroom, 2-bathroom cottage, nestled on just over a half-acre in the heart of peaceful Ashford. If you are looking for a serene rural retreat that doesn't compromise on quality or modern convenience, this is the home for you. This property has been meticulously cared for and thoughtfully upgraded, offering true peace of mind for its next owner. While the home was completely renovated in 2015, the list of improvements continues with extensive updates made since it was last purchased in 2020. You will love the fresh feel of the updated fixtures, modern appliances, and fully remodeled bathrooms. Major systems have been addressed with care, ensuring this home is ready for years of worry-free living. Recent upgrades include a brand new HVAC system installed in 2023 for efficient heating and cooling, a completely new septic system installed in 2025 with a brand new septic tank and drain field, and a new vapor barrier installed post-2020 to ensure a healthy home environment. A low-maintenance metal roof provides lasting protection and classic cottage appeal. This is a rare opportunity to own a home where vintage charm meets modern reliability. Don't miss your chance to secure this turnkey property—schedule your private tour today!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
Ashford Elementary SchoolGrades PK-50.7 mi
9/10
Ashford Middle SchoolGrades 6-81.0 mi
5/10
Ashford High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator
  • Laundry features: Inside

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Vinyl
  • Fireplace features: None

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Property

Details

  • Parcel number: 1105210000013015

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Porch-Covered
  • Waterfront features: No Waterfront

Lot

  • Lot size: 0.51 Acres
  • Lot size dimensions: IRR

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Hurricane
Inland Flooding
Lightning
Strong Wind
Cold Wave
Drought
Heat Wave
Winter Weather

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 $986$11,832
Home Insurance *$174$2,088
Property Taxes $47$564
Electricity $240$2,881
Total$1,447$17,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,611/yr
40% on housing$43,410/yr
45% on housing$38,586/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 36312$131
Houston County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 36312$148
Houston County$134

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
2026-07-06Listed for sale$195,000
2020-07-17Sold$110,000

For Sale by Agent

AgentJessica Donaldson
BrokerageElevate Real Estate

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