masterkey logo
4315 County Road 14
Flat Rock, AL

4315 County Road 14

$415,000
3 bd • 2 ba • 1,152 sf

This analysis was generated by artificial intelligence on 1/24/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

List Price

$415,000

Price/Sq.Ft

$360

Year Built

2009

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

This property offers exceptional value with its spacious 5.5-acre lot, priced at just $360.24/sqft, which is likely below the average for Flat Rock, AL. The 2009-built home features modern amenities like granite countertops and steel appliances. The oversized garage/shop adds significant value, perfect for car enthusiasts or as a potential income source. The property's minimal flood risk (1/10) is a major plus, potentially lowering insurance costs. The breathtaking views of the Tennessee River and plateau mountains from the cliff-side gazebo create a unique selling point. The property's versatility is notable, with RV hookups on 4 lots offering potential for additional income through rentals or Airbnb.

The Bad

The home's square footage (1,152 sqft) is relatively small for a 3-bedroom house, which may limit its appeal to larger families. The property has been on the market for 389 days, suggesting potential issues with pricing or marketability. The price history shows multiple reductions (from $599,900 to $415,000), indicating initial overpricing. The ductless heating system and wood stove may be less efficient than central HVAC, potentially leading to higher energy costs. The rural location might mean limited access to amenities and potentially longer emergency response times.

The Ugly

The property faces a major fire risk (6/10), which is critical for insurance and could lead to significantly higher premiums or difficulty obtaining coverage. The heat risk is also major (5/10), with temperatures reaching 103°F, which could necessitate costly cooling solutions. The property's unique features (cliff-side location, caves) may pose safety risks and potential liability issues. The large acreage and multiple lots could lead to high maintenance costs and property taxes. The rapid price reductions (30.8% total drop) might indicate hidden issues or overvaluation, potentially affecting future appreciation.

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

This property is ideal for nature enthusiasts and those seeking a quiet, rural lifestyle with stunning views. It's well-suited for buyers looking for a unique property with income potential through RV rentals or Airbnb. Car enthusiasts or those needing workshop space will appreciate the oversized garage. Retirees or remote workers who value privacy and don't require proximity to urban amenities could find this property appealing. Investors looking for a property with multiple income streams (main house rental, RV spots, potential Airbnb) might see value in this unique offering.

Not For

This property is not suitable for those seeking a low-maintenance lifestyle, as the large acreage and multiple structures require significant upkeep. Families with school-age children might find the distance to schools (6.7+ miles) inconvenient. Buyers uncomfortable with fire and heat risks should look elsewhere. Those requiring high-speed internet or strong cell service for work may face challenges in this rural location. Individuals with mobility issues might find the cliff-side features and potential for rough terrain challenging.
Demographics
Area Median Income

$0

Price Prediction Challenge

Think you know what 4315 County Road 14 will sell for? Put your market expertise to the test!

Be the first to predict

Your local insight could help set the benchmark for other buyers.

No predictions yet

Kick off the challenge by making your guess. You'll help other buyers get a feel for this property’s value—and you might just claim the top spot when it sells.

Unlock Premium Features

Supercharge Your Property Analysis

Get unlimited AI-powered insights and analysis to make confident decisions about any property you're interested in.

Best for serious buyers
  • Unlimited AI analysis
  • Unlimited AI chat
  • Advanced tools & insights
$24.92/mo
Billed yearlySave 17% ($60/year)
Cancel anytime • 30-day money-back guarantee

Risk Assessment

Climate Risks

fireMAJOR

Insurance: Required

heatMAJOR

7 extreme heat days per year

98th percentile: 103°F

windMODERATE

Insurance: Recommended

airMODERATE

2 bad air quality days per year

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

Risk Analysis

The major fire risk (6/10) is a significant concern, potentially leading to high insurance costs or difficulty obtaining coverage. The property's location on a cliff with caves presents safety risks and potential liability issues. The rapid price reductions (30.8% over 7 months) suggest potential market volatility or hidden property issues. The rural location may face challenges with emergency service response times. The multiple lots and large acreage could lead to complex zoning or land use restrictions. The ductless heating system and wood stove may not meet energy efficiency standards, potentially requiring costly upgrades in the future.
Insurance
Annual Cost

$1,494

$125 per month

Financials

Monthly Costs

Price History

Property Taxes

$533
2023 Tax Assessment
Assessed Value$17,760
Tax Rate3.00%

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Stats in the Area

Average Price

$56,000

-86.5% below list price

Median Price

$40,000

Based on 3 recent sales

Price per Sq.Ft

$0

Comparable Properties

546 County Road 814, Flat Rock, AL 35966
Price: $40,000
Sq.Ft:
Beds/Baths: /
$/Sq.Ft: N/A
Sale Date: 10/31/2024
3480 County Rd 14, Flat Rock, AL 35966
Price: $88,000
Sq.Ft:
Beds/Baths: /
$/Sq.Ft: N/A
Sale Date: 9/30/2024
546 County Road 814, Flat Rock, AL 35966
Price: $40,000
Sq.Ft:
Beds/Baths: /
$/Sq.Ft: N/A
Sale Date: 8/13/2024

Frequently Asked Questions

Property Discussion

Start the Conversation

Share your insights on this property—did you visit the open house? Know of any hidden pros or cons? Your street-level knowledge could be exactly what another buyer needs.

You
Potential Savings

$12,450

Analyze Any Property for Free

Get instant insights and potential savings on any Zillow® listing.

Free Analysis
AI-Powered Insights
Instant Results