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20 Merrill Harper Rd, Anniston, AL, 36207

3beds
2baths
1,300sqft
$729,000
$561price/sqft
$4,764/moest. monthly cost
$190,560/yrincome needed

About This Home

Known as "The Beautiful Back Road," this property offers a turnkey AirBnB operation with strong income potential in a serene, rural setting. Built in 2022, the building measures 2,600 sq ft, divided into four fully finished 1-bedroom, 1-bathroom units. It generates consistent rental revenue through short-term stays. An additional unfinished 2-bedroom, 1-bathroom unit is currently under construction, providing immediate expansion opportunities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

9/10
9/10
9/10
White Plains High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Construction materials: Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Cooktop,Refigerator,Stove,Electric Water Heater
  • Laundry features: Washer/Dryer Connection

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Eat-in Kitchen,Kitchenette,Sep Dining,Sep Living,Eating Area-Kitchen
  • Flooring: Other

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 1,300 sqft

Property

Details

  • Parcel number: 1901020000005.008
  • Special condition: As Is

Parking

  • Parking features: 2 Spaces per Unit

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
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Drought
Inland Flooding
Landslide
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 $3,686$44,232
Home Insurance *$638$7,656
Property Taxes $200$2,400
Electricity $240$2,881
Total$4,764$57,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,337/yr
40% on housing$142,920/yr
45% on housing$127,040/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$561This listing

vs Other Active Listings

Avg $/sqft

ZIP 36207$122
Calhoun County$97

vs Homes Sold Last Month

Median $/sqft

ZIP 36207$119
Calhoun County$119

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
2026-04-06Price change$729,000
2026-01-15Price change$739,000
2025-11-12Listed for sale$749,000

For Sale by Agent

AgentMadison Hubbard
BrokerageSouthern Hometown Selling, LLC

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