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636 County Highway 20, Oneonta, AL, 35121

2beds
2baths
1,600sqft
$230,000
$144price/sqft
$2,080/moest. monthly cost
$83,200/yrincome needed

About This Home

Beautifully updated country home with rustic charm and modern conveniences! This unique property features a durable metal roof, custom woodwork throughout, an open-concept living area, handcrafted cabinetry, updated appliances, and a spacious lodge-style great room. Enjoy peaceful country living with plenty of outdoor space, all while being move-in ready.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

4/10
Appalachian SchoolGrades PK-121.2 mi

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Metal
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Linoleum / Vinyl

Heating

  • Heating features: Forced air

Interior Area

  • Total interior livable area: 1,600 sqft

Property

Details

  • Parcel number: 1906130000011

Features

  • Exterior features: Other

Lot

  • Lot size: 0.80 Acres

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Lightning
Strong Wind
Cold Wave
Heat Wave
Inland Flooding

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 $1,163$13,956
Home Insurance *$227$2,724
Property Taxes $450$5,400
Electricity $240$2,881
Total$2,080$24,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,314/yr
40% on housing$62,400/yr
45% on housing$55,466/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 35121$120
Blount County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 35121$147
Blount County$125

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)

No zestimate history available

Price History

DateEventPrice
2026-07-19Listed for sale$230,000

For Sale by Owner

AgentProperty Owner

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