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785 Cavalier Rdg, Birmingham, AL, 35242

4beds
5baths
4,500sqft
$2,395,000
$532price/sqft
$14,602/moest. monthly cost
$584,080/yrincome needed

About This Home

PROPOSED NEW CONSTRUCTION BY WERK HOMES IN SOUTH OAK A GATED COMMUNITY. A FABULOUS PLACE TO BUILD YOUR FOREVER HOME. NESTLED IN THE HEART OF SHELBY COUNTY ON HWY. 41. ZONED FOR MT. LAUREL AND OAK MOUNTAIN SCHOOLS. SOUTH OAK offers 3+ Acre lots with mature trees and a lifestyle like no other! FISHING, KAYAKING, FISHING BOATS & BOAT HOUSE, MEETING ROOMS, BEACH, SWIMMING,HIKING TRAILS, HORSE STABLE, GARDENS AND MORE! NATURE ABOUNDS WITH PEACE AND TRANQUILITY. AMAZING 4 BEDROOM HOME PROPOSED WITH 5 FULL BATHS, HOME OFFICE, GREAT ROOM, DEN, DINING AND MORE. THE OFFICE COULD SERVE AS A 2ND BEDROOM ON MAIN LEVEL IF NEEDED. HARDWOOD FLOORS THROUGHOUT, SS APPLIANCES, QUARTZ COUNTERTOPS AND MORE. TOO MUCH TO LIST! SCHEDULE AN APPOINTMENT TODAY TO TAKE A TOUR OF SOUTH OAK AND THIS AMAZING PROPOSED NEW CONSTRUCTION. YOU CAN ADD A FEW PERSONAL TOUCHES AND MAKE IT YOUR PERFECT DREAM HOME! OPPORTUNITY FOR YOU!

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
2
BikeSomewhat Bikeable

Schools

10/10
10/10
Chelsea Middle SchoolGrades 6-88.3 mi
8/10
Chelsea High SchoolGrades 9-129.2 mi

Construction

Condition

  • Year built: 2026

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Oven,Double Oven,Plumbed for Gas in Kit,Stainless Steel Appliance(s),Stove-Gas,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Main Level,Laundry Room,Yes

Basement

  • Area: 0

Bathroom1

  • Level: Second

Bathroom3

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 5

Dining Room

  • Level: First

Features

  • Recessed Lighting,High Ceilings,Cathedral/Vaulted,Crown Molding,Smooth Ceilings,Soaking Tub,Linen Closet,Separate Shower,Double Vanity,Tub/Shower Combo,Walk-In Closet(s)
  • Door features: French Doors
  • Window features: Double Pane Windows
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Gas Starter,Insert,Gas Log,Stone,Ventless,Great Room,Outdoors,Gas,Wood Burning,Outside
  • Fireplace: Yes
  • Attic: Walk-In,Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,500

Heating & Cooling

  • Heating features: 3+ Systems (HEAT),Central,Heat Pump
  • Cooling features: 3+ Systems (COOL),Central Air,Ceiling Fan(s)

Interior Area

  • Total interior livable area: 4,500 sqft

Kitchen

  • Features: Eat-in Kitchen,Kitchen Island,Pantry

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: First

Property

Details

  • Parcel number: 036230000001.044
  • Special condition: N/A
  • Horse amenities: Horse Facilities

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Sprinkler System
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 3.07 Acres
  • Features: Acreage,Many Trees,Interior Lot,Subdivision

Parking

  • Total spaces: 3
  • Parking features: Attached,Driveway,Parking (MLVL),Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Lightning
Cold Wave
Heat Wave
Landslide
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 $12,110$145,320
Home Insurance *$1,151$13,812
Property Taxes $838$10,056
Electricity $503$6,042
Total$14,602$175,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$500,640/yr
40% on housing$438,060/yr
45% on housing$389,386/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$532This listing

vs Other Active Listings

Avg $/sqft

ZIP 35242$238
Shelby County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 35242$204
Shelby County$174

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
2025-11-13Listed for sale$2,395,000

For Sale by Agent

AgentPam Grant
BrokerageARC Realty 280

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