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12723 Chicago St, Elberta, AL, 36530

3beds
2baths
1,433sqft
$269,900
$188price/sqft
$1,817/moest. monthly cost
$72,680/yrincome needed

About This Home

3BR/2BA, 1,433 sq ft home on .639 acres in the heart of Elberta — NO HOA, move-in ready, and priced for real value. Minutes to Elberta schools, an easy drive to Foley and the Alabama Gulf Coast beaches, with convenient access toward Pensacola.This property is built for buyers who want space and flexibility: a detached 18x20 workshop with roll-up door and 16x20 lean-to, plus a second outbuilding currently used as a chicken coop. And a massive 40x10 covered back patio makes indoor-outdoor living effortless — the perfect spot to enjoy your acreage morning, noon, or night.Major systems are already handled: a brand-new fortified roof (which extends coverage over that back patio, too) and a new HVAC system with transferable warranty. Seller is also offering a home warranty for buyer's peace of mind.Inside, enjoy a beautifully updated kitchen with custom cabinetry, granite counters, and stainless appliances — washer, dryer, and refrigerator convey, plus a brand-new dishwasher (March 2026). The open-concept, split-bedroom floorplan offers privacy where you want it, with LVP flooring throughout the main living areas and bedrooms and hardwood warming the primary suite. A spacious walkthrough storage area between the living room and primary bedroom adds flexible bonus space; ideal as a large pantry, home office nook, or extra storage — along with a generous laundry room to round out the home's smart, functional layout.Acreage, updates, and no-HOA freedom like this don't come around often in Elberta. Schedule your private showing today!

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

7/10
Elberta Elementary SchoolGrades PK-60.9 mi
7/10
Elberta Middle SchoolGrades 7-80.6 mi
9/10
Elberta Middle SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1957

Materials

  • Roof: Composition Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer,Dishwasher,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • En Suite,Termite Contract
  • Flooring: Vinyl,Luxury Vinyl Plank

Heating

  • Heating features: Electric

Interior Area

  • Total interior livable area: 1,433 sqft

Property

Details

  • Parcel number: 5309301000090.000
  • Special condition: None

Features

  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Covered Patio
  • Fencing: Fenced
  • Has view: Yes
  • View description: None/Not Applicable
  • Waterfront features: No Waterfront

Lot

  • Lot size: 0.64 Acres
  • Features: Less Than 1 Acre

Parking

  • Parking features: Three Or More Vehicles,No Garage/Carport Parking

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tornado
Drought
Wildfire

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 $1,364$16,368
Home Insurance *$148$1,776
Property Taxes $65$780
Electricity $240$2,881
Total$1,817$21,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,297/yr
40% on housing$54,510/yr
45% on housing$48,453/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 36530$161
Baldwin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 36530$208
Baldwin County$189

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

DateEventPrice
2026-08-12Pending sale$269,900
2026-07-30Listed for sale$269,900
2021-05-10Sold$212,000
2021-03-25Listed for sale$212,000
2018-05-23Listing removed$1,250
2018-05-18Listed for rent$1,250
2014-11-04Sold$55,000
2011-06-14Sold$25,000

For Sale by Agent

AgentCierra D White
BrokerageNextHome Coast & Country

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