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38 Coosa Island Cir, Cropwell, AL, 35054

2beds
2baths
1,107sqft
$349,900
$316price/sqft
$2,218/moest. monthly cost
$88,720/yrincome needed

About This Home

LOCATION, LOCATION, LOCATION! Experience lake life at its best with this charming 2-bedroom, 1.5-bath brick home on beautiful Logan Martin Lake! Whether you're looking for a weekend getaway or a full-time waterfront retreat, this home is ready for endless days on the water. Inside, you'll find a spacious living room, a bright kitchen with ample cabinet and counter space, and electric appliances, plus a cozy eating area. The generously sized bedrooms share a bathroom featuring a large tiled shower. Step outside to the covered patio and soak in breathtaking lake views, or head down to the private dock for fishing, boating, and swimming. Best of all, you're within walking distance of popular lakefront restaurants, making dining out a breeze! Recent upgrades include a new roof (2026) and new field lines (2023), Painted Exterior Patio (2026) Don't miss your chance to own this Logan Martin Lake gem!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

10/10
5/10
5/10
Pell City High SchoolGrades 9-128.4 mi

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Slab
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator,Stove-Electric,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Main Level,Laundry Room,Yes

Basement

  • Area: 0

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Features

  • None,Shared Bath
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Ventless,Living Room,Gas
  • Fireplace: Yes
  • Attic: Other,Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,107

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total interior livable area: 1,107 sqft

Kitchen

  • Features: Laminate Counters,Eat-in Kitchen
  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 3105153000038.000
  • Special condition: N/A

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Dock
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Waterbody name: Logan Martin
  • Frontage length: 40

Lot

  • Lot size: 6,534 sqft

Parking

  • Parking features: Off Street,Open
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Tornado
Cold Wave
Drought
Heat Wave
Strong Wind

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 $1,769$21,228
Home Insurance *$128$1,536
Property Taxes $81$972
Electricity $240$2,881
Total$2,218$26,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,045/yr
40% on housing$66,540/yr
45% on housing$59,146/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$316This listing

vs Other Active Listings

Avg $/sqft

ZIP 35054$161
St. Clair County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 35054$199
St. Clair County$158

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$349,900
2025-07-22Sold$312,500
2025-07-07Pending sale$350,000
2025-04-18Listed for sale$350,000
2006-06-21Sold$125,000

For Sale by Agent

AgentNatasha OKonski
BrokerageKeller Williams Pell City

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