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101 Cottage Ln, Westover, AL, 35147

5beds
4baths
2,500sqft
$425,000
$170price/sqft
$2,886/moest. monthly cost
$115,440/yrincome needed

About This Home

Welcome to 101 Cottage Ln, Sterrett, AL 35147, a serene environment. This property presents a wonderful opportunity to enjoy a comfortable lifestyle in a house that is both inviting and well-situated. architectural details, contributing to its appealing curb appeal. The surrounding area is known for its peaceful ambiance, providing a pleasant backdrop for daily living. the tranquility of suburban living. Residents can appreciate the well-maintained surroundings and the potential for personalization that this house This house stands as a testament to classic residential design, waiting to welcome its next occupants into a home filled with possibilities.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

9/10
10/10
Chelsea Middle SchoolGrades 6-84.3 mi
8/10
Chelsea High SchoolGrades 9-126.7 mi

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

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

Basement

  • Area: 1000

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Daylight

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Multiple Staircases,Smooth Ceilings,Separate Shower
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Brick (FIREPL),Family Room,Electric
  • Fireplace: Yes
  • Attic: None
  • Finished area below ground: 1,000
  • Finished area above ground: 1,500

Heating & Cooling

  • Heating features: Zoned
  • Cooling features: Split System

Interior Area

  • Total interior livable area: 2,500 sqft

Kitchen

  • Features: Stone Counters

Living Room

  • Level: First

Master Bathroom

  • Level: First

Property

Details

  • Parcel number: 089290002020.000
  • Special condition: N/A

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch,Open (DECK),Deck
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 0.42 Acres

Parking

  • Total spaces: 2
  • Parking features: Assigned,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 $2,149$25,788
Home Insurance *$310$3,720
Property Taxes $148$1,776
Electricity $279$3,356
Total$2,886$34,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,948/yr
40% on housing$86,580/yr
45% on housing$76,960/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

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 35147$154
Shelby County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 35147$178
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
2026-06-30Listed for sale$425,000
2023-04-14Sold$7,500

For Sale by Agent

AgentSteven Koleno
BrokerageBeycome Brokerage Realty

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