Cottage / Storybook home in Birmingham, AL
This 1,148-square-foot Cottage home in Birmingham, AL includes 3 bedrooms and 2 bathrooms. Its Cottage character defines the property's look.
| Price | $499,000 |
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| Beds | 3 |
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| Baths | 2 |
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| Sqft | 1148 |
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| Architectural style | Cottage / Storybook (43% match) |
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| Address | 628 Royal St, Birmingham, AL 35213 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced above comparable homes.
- At $499K, this home is 86% above the $269K median for 235 similar Cottage / Storybook homes in Birmingham, AL.
- That works out to $435 per square foot, 153% above the $172 comparable rate.
- On the market 51 days, longer than usual here, so the seller may be open to offers.
| This home | $499,000 |
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| Cottage / Storybook median in Birmingham, AL | $269,000 (235 homes) |
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| Price per sq ft | $435 vs. $172 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $3,089/month with 20% down at a 7.28% 30-year fixed rate. You would need about $132,385 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,731/mo |
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| Property tax (new-buyer reassessed rate) | $170/mo |
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| Homeowners insurance | $187/mo |
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| Total monthly | $3,089/mo |
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| Down payment (20%) | $99,800 |
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| Income needed | $132,385/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C (60 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C (60/100) |
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| Beats renting in | 12% of modeled paths |
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| Modeled 5-yr equity (median) | $224,467 |
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| Range (10th to 90th pct) | $128,992 to $335,743 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Birmingham, AL where local data is thin.
Local home values
Typical home values in Birmingham, AL have risen about 16% over the past 5 years (+2% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Trulia