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28170 Migratory Way, Elberta, AL, 36530

0beds
0baths
--sqft
$229,900
--price/sqft
$1,583/moest. monthly cost
$63,320/yrincome needed

About This Home

RV living at its finest. This lot sits on the main lake at Lake Osprey and is equipped with all you need to enjoy your home away from home - and watch the resident turtles! The community is truly gardener's paradise. The Palm trees and flowers are just beautiful. The lot features a gas firepit right next to the water, with Amish furniture that is included. It is private area and cannot be seen from the road. Listing includes: an Amish picnic table with umbrella, and chairs with large umbrella. When you get hungry grill yourself something on the grill that conveys. Great sunsets cap off the day. There are even plans for a home that can be built on the lot available. The Club house boasts a large kitchen and sitting areas. The pool is great for cooling off or relaxing in the hot tub. There is a Tiki Bar, outdoor sitting areas, pickleball courts, fitness center, and laundry facilities. The residents also have a range of activities from Bingo, to parties, golf cart poker runs and sewing. This has so much more to offer than just a lot. HOA fees cover water, trash pickup, high speed internet, cable, sewer, and lawn care. This location is close to the beautiful Gulf Coast Beaches and Soldiers Creek Golf course is right up from the main entrance. Close to Owa, Tanger outlet mall, restaurants and short drive to Pensacola. There is also a Tiffen Red 37 PA 2019 that is being sold separately. Qualified RVs include Class A – 15 years or newer, Class C and 5th wheels – 10 years or newer, all RVs must be 28’ or longer Buyer to verify all information during due diligence.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
Elberta Elementary SchoolGrades PK-62.4 mi
6/10
Elberta Middle SchoolGrades 7-83.4 mi
9/10
Elberta Middle SchoolGrades 9-123.4 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Basement

  • Basement:

Property

Lot

  • Lot size: 4,530 sqft

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tornado
Drought
Wildfire

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 $1,162$13,944
Home Insurance *$126$1,512
Property Taxes $55$660
Electricity $240$2,881
Total$1,583$18,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,274/yr
40% on housing$47,490/yr
45% on housing$42,213/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 36530$162
Baldwin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 36530$208
Baldwin County$189

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
2026-02-27Price change$229,000
2025-07-31Listed for sale$239,900
2025-07-23Listing removed$239,900
2025-07-07Listed for sale$239,900

For Sale by Agent

AgentJoanne Vicich
BrokerageEXIT NAVIGATOR REALTY

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