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101 E Water Ave W, Geneva, AL, 36340

1beds
2baths
5,000sqft
$199,000
$40price/sqft
$1,859/moest. monthly cost
$74,360/yrincome needed

About This Home

Welcome to 101 W Water Ave, Geneva, AL! This charming property is nestled just outside of downtown Geneva, offering a unique blend of small-town charm and modern convenience. Located just steps from the scenic Choctawhatchee River, this address puts you within minutes of local favorites like Graceful Rays Coffee, Brad's BBQ , and the historic Geneva City Hall and so much more. At the Moment this property is set up for shop use, But with the right eye it could easily become home for a large family as the building is 5,000 sqft. The property boasts classic Southern architecture with a welcoming façade and ample parking. Whether you’re looking for a cozy residence or a prime commercial space, this location offers endless possibilities. Enjoy the vibrant local scene with nearby eateries such as Gran Jan's Restaurant, Porky Barn, or take a stroll to the Geneva Public Library for a quiet afternoon. With its location, you’ll have easy access to essential services, shopping, and Dining. The surrounding community is known for annual events, making it a wonderful place to live or do business. Don’t miss your chance to be part of the thriving Geneva community at 101 W Water Ave—where comfort, convenience, and charm come together!

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

7/10
Mulkey Elementary SchoolGrades PK-51.3 mi
10/10
Geneva Middle SchoolGrades 6-80.8 mi
5/10
Geneva High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1926

Materials

  • Foundation: Slab
  • Construction materials: Brick,Metal Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Exhaust Fan,Window Unit(s)

Features

  • Flooring: Concrete,Plank,Vinyl

Interior Area

  • Total interior livable area: 5,000 sqft

Property

Details

  • Parcel number: 180929202800200000

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Covered Patio,Fence,Storage
  • Fencing: Partial
  • Waterfront features: Water Access

Lot

  • Lot size: 1 Acres
  • Features: City Lot
  • Lot size dimensions: 288.96 x 152.73 x 235.26 x 152.17

Parking

  • Total spaces: 6
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 6
  • Carport: Yes
  • Carport spaces: 2

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
Inland Flooding
Strong Wind
Tornado
Drought
Heat Wave
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 $1,006$12,072
Home Insurance *$255$3,060
Property Taxes $39$468
Electricity $559$6,713
Total$1,859$22,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,737/yr
40% on housing$55,770/yr
45% on housing$49,573/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 13.5%
13.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$40This listing

vs Other Active Listings

Avg $/sqft

ZIP 36340$79
Geneva County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 36340$101
Geneva County$162

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
2026-05-07Listed for sale$199,000

For Sale by Agent

AgentKathrine Ladd
BrokerageTwo Lane Realty LLC

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