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16198 Tobacco Rd, Dozier, AL, 36028

1beds
1baths
0sqft
$298,000
--price/sqft
$2,080/moest. monthly cost
$83,200/yrincome needed

About This Home

Don't miss the rare opportunity to own a flat, easy access lakefront lot loaded with updates and ready for enjoyment. This beautifully maintained property features a paved driveway, boat ramp, a charming tiny house, and a brand-new seawall, offering both comfort and long term peace of mind.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
10/10
Straughn Middle SchoolGrades 6-84.7 mi
6/10
Straughn High SchoolGrades 9-124.5 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Metal
  • Construction materials: Metal Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Modular Home

Interior

Appliances

  • Appliances included: Range,Refrigerator,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Window features: Storm Window(s)
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Central/Electric,Other
  • Cooling features: Other

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 23 03 08 27 0 001 010000
  • Special condition: Fair Market

Features

  • Levels: One
  • Patio & porch: Patio-Concrete
  • Has view: Yes
  • View description: Exceptional View
  • On waterfront: Yes
  • Waterfront features: Boat Launch,Deck,Lake Front,Seawall
  • Topography of land: Level

Lot

  • Lot size: 0.40 Acres
  • Lot size dimensions: 180 x 75 x 76.5 ft of Waterfront property.

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Inland Flooding
Cold Wave
Heat Wave
Strong Wind
Winter Weather

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 $1,506$18,072
Home Insurance *$285$3,420
Property Taxes $49$588
Electricity $240$2,881
Total$2,080$24,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,314/yr
40% on housing$62,400/yr
45% on housing$55,466/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 7.6%
7.6%
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 36028$141
Covington County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 36028
Covington County$108

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
2026-04-13Price change$298,000
2026-01-14Listed for sale$335,000

For Sale by Agent

AgentAngie Brown
BrokerageColdwell Banker 1st Choice Realty

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