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9261 Cotton Fields Cir, Tuscaloosa, AL, 35405

4beds
2baths
1,791sqft
$298,000
$166price/sqft
$2,031/moest. monthly cost
$81,240/yrincome needed

About This Home

NEW PRICE!!! Meticulously maintained, this nearly new 3-year-old home in Fields Crossing sits on one of the subdivision’s largest lots, featuring a spacious fenced backyard with no development behind it for added privacy! Inside, enjoy LVP flooring throughout the common areas, tall ceilings, granite countertops, and a two-car garage. The primary suite is tucked privately at the back of the home with dual sinks, a soaking tub, a large closet, and a separate shower. The open-concept kitchen and living room are perfect for entertaining, with an oversized island, stainless steel appliances, and beautiful granite surfaces. The backyard truly steals the show—plenty of space for pets, play, or relaxing outdoors. Conveniently located near The University of Alabama, I-59, grocery stores, and more!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

2/10
4/10
Hillcrest Middle SchoolGrades 6-81.1 mi
5/10
Hillcrest High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

  • Roof: Composition,Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater
  • Laundry features: Main Level,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Open Concept
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,1 Unit

Interior Area

  • Total structure area: 1,791
  • Total interior livable area: 1,791 sqft

Property

Details

  • Parcel number: 3606240001002.370

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Porch
  • Exterior features: Rain Gutters
  • Fencing: Wood

Lot

  • Lot size: 0.27 Acres

Parking

  • Parking features: Attached,Concrete,Driveway,Garage
  • Has garage: 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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Tornado
Cold Wave
Lightning
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 $1,506$18,072
Home Insurance *$209$2,508
Property Taxes $76$912
Electricity $240$2,881
Total$2,031$24,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,634/yr
40% on housing$60,930/yr
45% on housing$54,160/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 35405$130
Tuscaloosa County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 35405$153
Tuscaloosa County$162

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
2026-04-01Price change$298,000
2026-01-30Price change$304,900
2025-11-12Listed for sale$310,000
2025-11-05Listing removed$299,997
2025-11-03Price change$299,997
2025-10-27Price change$299,998
2025-10-17Listed for sale$299,999
2025-09-26Pending sale$299,999
2025-09-12Price change$299,999
2025-07-25Price change$305,000
2025-07-19Price change$310,000
2025-06-27Price change$313,000
2025-06-16Price change$315,000
2025-05-16Listed for sale$318,500

For Sale by Agent

AgentVicki McDonald
BrokerageKeller Williams Tuscaloosa

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