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2625 Girard St, Montgomery, AL, 36106

2beds
2baths
1,587sqft
$255,000
$161price/sqft
$1,867/moest. monthly cost
$74,680/yrincome needed

About This Home

Discover this delightful 2-bedroom, 2-bath cottage nestled in the heart of Old Cloverdale. This home offers the perfect blend of character, comfort, and functionality, featuring a versatile bonus room ideal for a home office, exercise space, or guest retreat. Enjoy a welcoming layout with a spacious living room, dedicated dining area, cozy den, and a fully equipped kitchen, this home offers both comfort and functionality. Enjoy laundry convenience, a lovely back porch overlooking a generous backyard perfect for entertaining or relaxing and a separate storage room/workshop. Recent updates include: New roof (2026) New privacy fence (2026) HVAC system replaced (2019) Located within walking distance to all of Old Cloverdale’s popular restaurants, shops, and Huntington College, this home offers both charm and convenience in one of Montgomery’s most sought-after neighborhoods. If you’re just looking for a house, keep searching. But if you’re looking for a home, this is the one! More photos coming!

Getting Around

49
WalkingCar-Dependent
20
TransitMinimal Transit
47
BikeSomewhat Bikeable

Schools

6/10
2/10
1/10
Lanier Senior High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Other
  • Roof: Asphalt
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range / Oven,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air
  • Cooling features: Central,Other

Interior Area

  • Total interior livable area: 1,587 sqft

Property

Details

  • Parcel number: 1004202024005000

Features

  • Exterior features: Wood

Lot

  • Lot size: 9,000 sqft

Parking

  • Parking features: Off-street,Garage

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
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Heat Wave
Inland Flooding
Strong Wind
Tornado

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 $1,289$15,468
Home Insurance *$262$3,144
Property Taxes $76$912
Electricity $240$2,881
Total$1,867$22,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,011/yr
40% on housing$56,010/yr
45% on housing$49,786/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 13.9%
13.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 36106$90
Montgomery County$105

vs Homes Sold Last Month

Median $/sqft

ZIP 36106$106
Montgomery County$102

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
2026-05-10Pending sale$255,000
2026-04-29Listed for sale$255,000
2018-12-12Sold$138,000
2015-07-16Sold$114,000

For Sale by Owner

AgentProperty Owner

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