2465 Choctaw Rd, Gulf Shores, AL, 36542
About This Home
Welcome to this beautifully renovated, raised 2-bedroom, 2-bath coastal cottage on a spacious corner lot overlooking Mobile Bay. Whether you enjoy boating, fishing, or simply relaxing by the water, this property offers the best of coastal living. Inside, you'll find amazing views of Mobile Bay from the living room, dining area, and both bedrooms. The open floor plan is light and bright with quality finishes throughout. Everything new in 2024 - Hardie® board siding, side deck, windows, doors, paint, insulation, drywall, flooring, HVAC, electrical and plumbing, cabinetry, granite countertops, and stainless steel appliances. The cottage is sold fully furnished and is in excellent, move-in-ready condition with a proven history of strong short-term rental income, earning Exceptional Property status on VRBO. Enjoy approximately 50 feet of bay frontage and bulkhead (with room to build a private pier, subject to applicable permits & approvals), along with your own sandy beach area and deeded access to a shared pier. The property is just minutes from Fort Morgan Historic Site, the Dauphin Island Ferry, and the public marina, and only a 5-minute walk to the white sandy beaches of the Gulf, offering the best of bayfront living with easy Gulf access. Whether you're looking for a full-time residence, a weekend getaway, or a proven investment property, this coastal cottage offers a unique combination of waterfront living, modern updates, and the relaxed Fort Morgan lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1970
Materials
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Architectural style: Raised Beach
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Cooktop,Disposal,Microwave,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Internet,Ceiling Fan(s)
- Window features: Window Treatments
- Flooring: Luxury Vinyl Plank
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Electric
Interior Area
- Total interior livable area: 1,100 sqft
Property
Details
- Parcel number: 6908020005012.000
- Special condition: None
Features
- Stories: 1
- Pool features: None
- Exterior features: Outdoor Shower
- Has view: Yes
- View description: Direct Bay Front
- Has water view: Yes
- On waterfront: Yes
- Waterfront features: Bay Front Building,Gulf Access Less Than Or Equal To Quarter Mile,Beach Access Less Than Or Equal To Quarter Mile
- Waterbody name: Mobile Bay
Lot
- Lot size: 8,189 sqft
- Features: Level,Waterfront,Pier,Bulkhead,Some Trees,Water View,Less Than 1 Acre,Other/See Remarks
Parking
- Parking features: Double Carport,Three Or More Vehicles
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
- Inland Flooding
- Lightning
- Coastal Flooding
- Tornado
- Cold Wave
- Heat Wave
- Strong Wind
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Alabama Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,615 | $43,380 |
| Home Insurance * | $506 | $6,072 |
| Property Taxes | $172 | $2,064 |
| Electricity | $240 | $2,881 |
| Total | $4,533 | $54,396 |
Income You'd Need if You Spent...
Alabama FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Pending sale | $715,000 |
| 2026-07-22 | Listed for sale | $715,000 |
| 2025-11-01 | Listing removed | $724,900 |
| 2025-07-18 | Listed for sale | $724,900 |
| 2024-06-23 | Listing removed | $799,500 |
| 2024-06-16 | Listed for sale | $799,500 |
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