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208 4th St SE Unit 2A, Cullman, AL, 35055

3beds
2baths
1,983sqft
$649,900
$328price/sqft
$4,145/moest. monthly cost
$165,800/yrincome needed

About This Home

Welcome to Bella Balle Condominiums, the newest condo project in downtown Cullman. Walk to some of the best dining in the city from this complex. 3BR/2BA luxury units with balcony. Adjacent to Hele Bowls and 412 Public House. The first of it's kind! Enjoy low maintenance living in the heart of one of the best small towns in Alabama. Designed by AB Smith and being built by Yearwood Construction.

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

10/10
East Elementary SchoolGrades 2-60.2 mi
10/10
Cullman Middle SchoolGrades 7-80.8 mi
10/10
Cullman High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Proposed Construction

Materials

  • Construction materials: Brick,Brick Veneer,Drywall

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Flooring: Tile,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,983
  • Total interior livable area: 1,983 sqft

Property

Details

  • Zoning: _

Features

  • Stories: 3
  • Patio & porch: Covered Patio
  • Waterfront features: No - None

Parking

  • Parking features: Parking Pad
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Earthquake
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 $3,286$39,432
Home Insurance *$506$6,072
Property Taxes $113$1,356
Electricity $240$2,881
Total$4,145$49,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,114/yr
40% on housing$124,350/yr
45% on housing$110,533/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: 9.5%
9.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$328This listing

vs Other Active Listings

Avg $/sqft

ZIP 35055$130
Cullman County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 35055$143
Cullman County$151

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
2025-05-23Listed for sale$649,900

For Sale by Agent

AgentJustin Dyar
BrokerageLake Homes Realty

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