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238 Oak Hill Ln, Moody, AL, 35004

5beds
4baths
3,113sqft
$484,000
$155price/sqft
$3,219/moest. monthly cost
$128,760/yrincome needed

About This Home

Nearly complete! Great five bedroom home with upgraded gourmet kitchen, lots of trim details, beautiful primary suite with spa bath, and four large bedrooms on the second floor! This home also has a large loft and flex room on the second floor. Come see this home before it’s gone!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

7/10
Moody Elementary SchoolGrades PK-31.1 mi
5/10
Moody Jr High SchoolGrades 7-83.5 mi
6/10
Moody High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Brick Over Foundation,HardiPlank Type,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Stove-Electric,Gas Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Main Level,Laundry Room,Laundry (ROOM),Yes

Basement

  • Area: 0

Bathroom1

  • Level: First

Bathroom3

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Recessed Lighting,High Ceilings,Crown Molding,Smooth Ceilings,Soaking Tub,Linen Closet,Separate Shower,Split Bedrooms,Tub/Shower Combo,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Insert,Ventless,Family Room,Gas
  • Fireplace: Yes
  • Attic: Pull Down Stairs,Walk-In,Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,113

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Dual

Interior Area

  • Total interior livable area: 3,113 sqft

Kitchen

  • Features: Stone Counters,Kitchen Island,Pantry
  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0
  • Special condition: N/A

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio,Porch
  • Has view: Yes
  • View description: Mountain(s)
  • Waterfront features: No

Lot

  • Lot size: 8,712 sqft
  • Features: Subdivision

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Faces Side
  • 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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
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 $2,447$29,364
Home Insurance *$312$3,744
Property Taxes $112$1,344
Electricity $348$4,179
Total$3,219$38,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,365/yr
40% on housing$96,570/yr
45% on housing$85,840/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 35004$140
St. Clair County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 35004$163
St. Clair County$158

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
2026-02-13Price change$499,000
2025-11-07Price change$489,900
2025-08-21Listed for sale$469,900

For Sale by Agent

AgentThomas Gamble
BrokerageEmbridge Realty, LLC

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