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520 Windsor St, Florence, AL, 35630

3beds
2baths
1,582sqft
$194,900
$123price/sqft
$1,458/moest. monthly cost
$58,320/yrincome needed

About This Home

This home features 3 bedrooms and 1.5 baths with hardwood floors throughout and plenty of room for storage. The home is conveniently located to local businesses, shopping centers, schools, and quick access to downtown Florence.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

8/10
Harlan Elementary SchoolGrades K-50.9 mi
9/10
Florence Middle SchoolGrades 7-81.0 mi
8/10
Florence High SchoolGrades 10-121.0 mi

Construction

Condition

  • Property condition: Standard
  • Year built: 1959

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Gas Water Heater,Refrigerator
  • Laundry features: Washer Hookup

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Cooling

  • Cooling features: Ceiling Fan(s),Central Air

Features

  • Door features: Storm Door(s)
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,582

Interior Area

  • Total structure area: 1,582
  • Total interior livable area: 1,582 sqft

Property

Details

  • Parcel number: 2401022003034000
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Frontage length: 145

Lot

  • Lot size: 1,306 sqft
  • Features: City Lot,Few Trees,Front Yard
  • Lot size dimensions: 90 SQF 1582

Parking

  • Total spaces: 1
  • Parking features: Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Alabama Counties

Hurricane
Severe Storm
Straight Line Winds
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 $985$11,820
Home Insurance *$182$2,184
Property Taxes $51$612
Electricity $240$2,881
Total$1,458$17,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,988/yr
40% on housing$43,740/yr
45% on housing$38,880/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.4%
5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 35630$106
Lauderdale County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 35630$133
Lauderdale County$150

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
2026-07-30Listed for sale$194,900
2015-10-23Sold$92,000

For Sale by Agent

AgentTammie Wilson
BrokerageCafe Realty LLC

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