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6188 State Line Rd, Cottonwood, AL, 36320

2beds
2baths
960sqft
$119,900
$125price/sqft
$1,050/moest. monthly cost
$42,000/yrincome needed

About This Home

Charming 2BR/2BA in Cottonwood – Move-In Ready 6188 State Line Rd, Cottonwood, AL Well-maintained 960 sq ft home offering 2 bedrooms and 2 full baths, built 8 years ago. Open-concept living area greets you at the front door, creating a bright, easy flow throughout. HVAC system recently serviced. Situated on .54 acres with a shared driveway. Home is in good condition and ready for its next owner. Location can't be beat — just an hour and a half from Panama City Beach, with schools, parks, and shopping only minutes away. A great option for first-time buyers, downsizers, or anyone seeking low-maintenance living with easy access to the coast.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
6/10
Cottonwood High SchoolGrades 7-121.7 mi

Construction

Condition

  • Year built: 2018

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Oven,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Main Level,Laundry Room,Yes

Basement

  • Area: 0

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Features

  • None,Tub/Shower Combo,Walk-In Closet(s)
  • Flooring: Laminate
  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 960

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 960 sqft

Kitchen

  • Features: Laminate Counters
  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 1905220000022003
  • Special condition: As Is,In Foreclosure

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: None
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 0.54 Acres

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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
    LightningVery High
  • Tornado
    TornadoVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively 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

Lightning
Tornado
Hurricane
Inland Flooding
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 $606$7,272
Home Insurance *$176$2,112
Property Taxes $28$336
Electricity $240$2,881
Total$1,050$12,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,000/yr
40% on housing$31,500/yr
45% on housing$28,000/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 36320$107
Houston County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 36320$55
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
2025-06-03Sold$71,860

Unknown Listed By

AgentTammy Plamondon
BrokerageLoft & Main Realty Group

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