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986 Merkle Ln, Lincoln, AL, 35096

6beds
5baths
5,320sqft
$348,000
$65price/sqft
$2,701/moest. monthly cost
$108,040/yrincome needed

About This Home

Large 6 Bed 4.5 Bath on 2+/- acres known locally as “Anne’s Place.” Main level offers 3 bedrooms and 2.5 baths, with layout suited for in-law or guest use. Main level living with 2 car garage. Upstairs includes 3 bedrooms, 2 baths, plus a large bonus/family room, office, sitting area, and an additional flex room that could serve as a bedroom or exercise space. Basement includes a full bath and additional space with garage access. Home at present has no water source, buyer will need to install new line to closest source. Multiple living areas including Kitchen, Dining, Great room, and Sun Room provide flexibility for a variety of uses. Circular driveway on a wooded lot. Large rear storage shed. Property is being sold as-is and will require updates and repairs. Buyer to verify all items of importance.Virtually staged/AI-enhanced photos illustrate potential improvements; see original photos for current condition.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
Lincoln Elementary SchoolGrades PK-54.0 mi
9/10
3/10
Lincoln High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Basement
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Sink,Main Level,Laundry Room,Yes

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Block

Bathroom1

  • Level: First

Bathroom3

  • Level: Second

Bathroom4

  • Level: Basement

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: Second

Features

  • Recessed Lighting,High Ceilings,Smooth Ceilings,Double Shower,Double Vanity,Sitting Area in Master,Split Bedrooms,Walk-In Closet(s),Dressing Room
  • Flooring: Hardwood,Parquet
  • Number of fireplaces: 1
  • Fireplace features: Marble (FIREPL),Living Room,Wood Burning
  • Fireplace: Yes
  • Attic: Pull Down Stairs,Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,320

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,None

Interior Area

  • Total interior livable area: 5,320 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0802030000002002
  • Special condition: As Is,In Foreclosure,Real Estate Owned

Features

  • Levels: 2+ story
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: None
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 2 Acres

Parking

  • Total spaces: 4
  • Parking features: Basement,Boat,Circular Driveway,Driveway,RV Access/Parking,Open,Garage Faces Rear
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
Strong Wind
Heat Wave
Lightning
Wildfire

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 $1,759$21,108
Home Insurance *$263$3,156
Property Taxes $84$1,008
Electricity $595$7,143
Total$2,701$32,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,605/yr
40% on housing$81,030/yr
45% on housing$72,026/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$65This listing

vs Other Active Listings

Avg $/sqft

ZIP 35096$181
Talladega County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 35096$141
Talladega County$128

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

No price history available

Unknown Listed By

AgentHugh Morrow
BrokerageRE/MAX Preferred

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