Score
0Mobile, AL
1055 New Saint Francis St
430K
4 beds
3 baths
3,128 sqft
4 bd • 3 ba • 3,128 sf
This analysis was generated on 2/26/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
AI Property Analysis
0:000:00 / 0:00
List Price
$429,900
Price/Sq.Ft
$137
Year Built
1867
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
• Historic Charm: The 156-year-old colonial/federal style home features soaring ceilings, hardwood flooring, transoms, and antique glass, offering a unique and historic living experience.
• Renovated Kitchen: The fully renovated chef's kitchen boasts high-end appliances, custom cabinetry, Carrera marble countertops, and a wet bar, providing a modern and luxurious cooking and entertaining space.
• Spacious Layout: With 4 bedrooms, 3 bathrooms, and 3,128 square feet, the home offers ample living space for families or those who enjoy having extra room for guests or hobbies.
• Convenient Location: The property is conveniently located near downtown Mobile, the Eastern Shore, I-10, Gulf Shores, Orange Beach, and Dauphin Island, providing easy access to various amenities and attractions.
The Bad
• High Flood Risk: Despite being in FEMA Zone X_UNSHADED, the property has a MAJOR flood risk (6/10), which could lead to higher insurance premiums and potential flood damage.
• High Wind Risk: The property has an EXTREME wind risk (9/10), which could result in significant property damage during storms.
• Inoperable Fireplaces: The fireplaces are currently inoperable, which could be a disappointment for buyers seeking historic charm and functionality.
• Average School Ratings: The local schools have average ratings (4/10 and 5/10), which may not be ideal for buyers with school-aged children.
The Ugly
• High Combined Climate Risk: The combination of MAJOR flood risk (6/10), EXTREME heat risk (9/10), and EXTREME wind risk (9/10) could result in higher insurance premiums, increased utility costs, and potential property damage.
• Potential for Costly Repairs: As a historic home, there may be hidden issues that require costly repairs or renovations, particularly related to plumbing, electrical, or structural components.
• Inoperable Fireplaces: The cost to repair the fireplaces could be significant, especially if they require extensive restoration work. This could detract from the home's historic value and charm.
Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
• Buyers Seeking a Historic Home with Modern Amenities: The renovated kitchen and updated systems offer a blend of old-world charm and contemporary convenience.
• Buyers Who Appreciate Architectural Details: High ceilings, hardwood floors, transoms, and antique glass will appeal to those who value historic features.
• Buyers Wanting Proximity to Downtown and Coastal Areas: The property's location provides easy access to downtown Mobile, the Eastern Shore, Gulf Shores, Orange Beach, and Dauphin Island.
• Buyers Comfortable with a Potentially Higher Insurance Premium: Due to the flood and wind risk, buyers should be prepared for potentially higher insurance costs.
Not For
• Buyers Sensitive to Extreme Heat and Wind: The property has EXTREME heat and wind risk scores (9/10), which may be a concern for those sensitive to these weather conditions.
• Buyers Seeking a Move-In Ready Home Without Potential Repairs: The inoperable fireplaces may require additional investment and repairs.
• Buyers Concerned About School Ratings: The local schools have average ratings (4/10 and 5/10), which may not be suitable for buyers with specific educational preferences.
• Buyers Prioritizing Low Insurance Costs: The MAJOR flood risk (6/10) and EXTREME wind risk (9/10) may result in higher insurance premiums.
Demographics
Area Median Income
$49,927
Property History
Price History
Ownership Timeline
$342,500Cash Purchase
Dec 6, 2022James Theodore Mcelroy, Peyton Craig McelroySean Leon
Warranty Deed
Standard Sale (Purchase/Resales)
$260,000Financed
May 23, 2019Yves Gorat Stommel, Melanie StommelJames Theodore Mcelroy, Peyton Craig Mcelroy
Warranty Deed
Standard Sale (Purchase/Resales)
$197,000Financed
Sep 30, 2015Marshall Page AshwellYves Gorat Stommel, Melanie Stommel
Warranty Deed
Standard Sale (Purchase/Resales)
$0Cash Purchase
Mar 4, 2013Jefferson Brock Lowell, Elizabeth Alison YeackleMarshall Page Ashwell
Deed In Lieu Of Foreclosure
Foreclosure
$0Cash Purchase
Mar 15, 2004Michael Foy MitchellMarshall Page Ashwell
Warranty Deed
Non-Residential Arm's Length Transactions
$24,000Cash Purchase
Aug 25, 2003Timothy P HightMichael Foy Mitchell
Quit Claim Deed
Non-Arm's Length Transactions
Property Taxes
$1,970
2024 Tax Assessment
23.2%from previous year
Assessed Value$32,080
Tax Rate6.14%
Sunlight Analysis
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Sunlight Analysis
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Schools
Nearby school quality by education level
Elementary
4.0/10
AverageMiddle
4.0/10
AverageHigh
5.0/10
AverageFinancials
Monthly Costs
Market Rent (4 bed)
Get a detailed estimate on Zillow$738
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Location & Comparables
Subject Property
Comparable Sales
Subject Property
Price
$429,900
Price/sqft
$137
Layout
4 bd•3 ba
Days on market
126 daysat time of analysis
Stats in the Area
Based on 6 comparable properties nearby
Average Price
$452,333
5.0%
Your price is 5.0% below average
Median Price
$482,000
10.8%
Based on 6 recent sales
Price per Sq.Ft
$149
7.8%
Your price is 7.8% below average $/sqft
Comparable Properties
| Address | Price | Sq.Ft | Beds | Baths | $/Sq.Ft | Sale Date |
|---|---|---|---|---|---|---|
| 109 Georgia Avenue S, Mobile, AL 36604 | $482,000 | 2,946 | 3 | 3 | $16419.0% | 1/3/2025 |
| 109 S Georgia Avenue, Mobile, AL 36604 | $482,000 | 2,946 | 3 | 3 | $16419.0% | 1/3/2025 |
| 70 Georgia Avenue S, Mobile, AL 36604 | $440,000 | 3,334 | 3 | 3 | $1324.0% | 10/7/2024 |
| 12 Lebaron Avenue, Mobile, AL 36604 | $355,000 | 2,845 | 4 | 3 | $1259.2% | 10/8/2024 |
| 12 Lebaron Avenue, Mobile, AL 36604 | $355,000 | 2,845 | 4 | 3 | $1259.2% | 10/8/2024 |
| 259 Cedar Street S, Mobile, AL 36602 | $600,000 | 3,240 | 3 | 3 | $18534.7% | 9/13/2024 |
109 Georgia Avenue S, Mobile, AL 36604
Price: $482,000
Sq.Ft: 2,946
Beds/Baths: 3/3
$/Sq.Ft:
$16419.0%
Sale Date: 1/3/2025
109 S Georgia Avenue, Mobile, AL 36604
Price: $482,000
Sq.Ft: 2,946
Beds/Baths: 3/3
$/Sq.Ft:
$16419.0%
Sale Date: 1/3/2025
70 Georgia Avenue S, Mobile, AL 36604
Price: $440,000
Sq.Ft: 3,334
Beds/Baths: 3/3
$/Sq.Ft:
$1324.0%
Sale Date: 10/7/2024
12 Lebaron Avenue, Mobile, AL 36604
Price: $355,000
Sq.Ft: 2,845
Beds/Baths: 4/3
$/Sq.Ft:
$1259.2%
Sale Date: 10/8/2024
12 Lebaron Avenue, Mobile, AL 36604
Price: $355,000
Sq.Ft: 2,845
Beds/Baths: 4/3
$/Sq.Ft:
$1259.2%
Sale Date: 10/8/2024
259 Cedar Street S, Mobile, AL 36602
Price: $600,000
Sq.Ft: 3,240
Beds/Baths: 3/3
$/Sq.Ft:
$18534.7%
Sale Date: 9/13/2024
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