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827 Cole Rd, Munford, AL, 36268

1beds
1baths
360sqft
$125,000
$347price/sqft
$970/moest. monthly cost
$38,800/yrincome needed

About This Home

wanting to down size, This tiny home has new appliances , TV 's split units rear deck and front porch a .92 acre lot that has 75 feet on the lake.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

9/10
Munford Elementary SchoolGrades PK-51.8 mi
5/10
Munford Middle SchoolGrades 6-81.8 mi
4/10
Munford High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2024

Materials

  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Stove-Electric,Electric Water Heater
  • Laundry features: None

Basement

  • Area: 0

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Features

  • None
  • Flooring: Vinyl
  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 360

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Split System

Interior Area

  • Total interior livable area: 360 sqft

Kitchen

  • Features: Laminate Counters
  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 0706130000010.000
  • Special condition: As Is

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch,Open (DECK),Deck
  • Has view: Yes
  • View description: None
  • Waterfront features: No

Lot

  • Lot size: 0.92 Acres

Parking

  • Parking features: Off Street

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 $632$7,584
Home Insurance *$68$816
Property Taxes $30$360
Electricity $240$2,881
Total$970$11,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,257/yr
40% on housing$29,100/yr
45% on housing$25,866/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

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 36268$105
Talladega County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 36268$92
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)

Price History

DateEventPrice
2026-06-16Listed for sale$125,000

For Sale by Agent

AgentJoe Porter
BrokeragePorter & Porter Company

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