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304 Garden St, Cullman, AL, 35055

3beds
3baths
1,641sqft
$299,000
$182price/sqft
$2,036/moest. monthly cost
$81,440/yrincome needed

About This Home

Exciting community amenities are planned, including a pickle ball court, clubhouse, a dog park, and a playground, creating the perfect setting to gather with neighbors, stay active, and enjoy a carefree lifestyle. Welcome to one of Cullman's newest maintenance-free communities, thoughtfully designed for those who value convenience, comfort, and an active lifestyle. Perfectly positioned just minutes from Interstate 65, shopping, dining, healthcare, and local schools, this location makes commuting and everyday errands effortless. Inside, you'll find a spacious 3-bedroom, 2.5-bath floor plan featuring an open living area, a well-appointed kitchen with a large island, generous dining space, luxury flooring, neutral finishes, smart home technology, and an oversized garage. Every detail has been designed with modern living in mind.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

10/10
West Elementary SchoolGrades 3-60.5 mi
10/10
Cullman Middle SchoolGrades 7-81.1 mi
10/10
Cullman High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Architectual/Dimensional
  • Construction materials: Brick

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave,Refrigerator
  • Laundry features: Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Granite Counters,Eat-in Kitchen,Kitchen Island
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,641

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,641
  • Total interior livable area: 1,641 sqft

Property

Details

  • Parcel number: 1702093015032.033
  • Zoning: R1

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Patio
  • Exterior features: Dog Run

Lot

  • Lot size: 3,192 sqft
  • Features: Interior Lot,Level
  • Lot size dimensions: 24 x 133 x 24 x 133

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Heat Wave
Inland Flooding
Ice Storm
Winter Weather

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 $1,511$18,132
Home Insurance *$233$2,796
Property Taxes $52$624
Electricity $240$2,881
Total$2,036$24,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,805/yr
40% on housing$61,080/yr
45% on housing$54,293/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

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 35055$134
Cullman County$190

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)

Price History

DateEventPrice
2026-07-09Listed for sale$299,000
2026-05-11Listing removed$1,800
2026-04-28Listed for rent$1,800
2026-02-25Price change$299,900
2025-11-12Listed for sale$339,900

New Construction

AgentTerri Mcgriff-Waldrop
BrokerageERA Waldrop Real Estate

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