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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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13776 Saint Stephens Ave , Chatom, AL 36518
$195,000
Est. Payment: $989.72/mo
0 Bed
0 Bath
2016 Sqft
Status: active | Days on site: 23
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

WELCOME TO THIS INCREDIBLE MULTI-LEVEL DUPLEX PACKED WITH CHARM, CHARACTER, AND ENDLESS INVESTMENT POSSIBILITIES! Nestled beneath a canopy of beautiful, mature trees and surrounded by lush foliage, this unique property offers a blend of peaceful country living and outstanding investment potential. Whether you're looking for a spacious home with a private guest retreat, a multi-generational living arrangement, or an income-producing property, this one checks all the boxes! Each level features 2 generously sized bedrooms, 1 full bath and spacious kitchens offering comfortable living areas for a functional floor plan designed for everyday living. The separate living areas provide privacy and flexibility, making it easy to accommodate extended guests, or generating rental income. Imagine enjoying the tranquil wooded setting, while being just minutes away from everything you need! Conveniently located close to town, you'll enjoy quick access to shopping, restaurants, schools, parks, medical facilities, and other everyday conveniences. The versatility of this property makes it an exceptional opportunity for homeowners and investors alike. Live in one unit while renting the other or maximize your investment by leasing both units! The possibilities are truly endless! From the inviting curb appeal and peaceful surroundings to the flexible layout and prime location, this property delivers incredible value and unlimited potential. Don't let this amazing, rare gem and great investment opportunity pass you by! Call TODAY and schedule your private tour and discover why this charming duplex is the place to call home or expand your real estate portfolio. Your next great investment property is waiting!

Highlights

Listed by Jacquelyn Wells , 251-802-3630 Coldwell Banker Coastal Realty , 251-948-5200. Pensacola Association of REALTORS®, Inc.

Property Type

Multi-Family

Year Built

1950

County

Other Counties

Neighborhood

None

Listing ID

686632

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:0
  • Full Bathrooms:
Air Cond:Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot:Central Access
Lot Dimensions:160x231x73x260
Roof:Metal
Others:
  • Additional:Resale
Principal Interest
$990
Taxes
$124

Home Price

$195,000

Loan Details

30 yrs
6.536%

Down Payment

20%
$39,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$989.72

Principal

Taxes

Principal Taxes HOA Total
Monthly $989.72 $124.31 $0.00 $1,114.03
Yearly $11,876.67 $1,491.75 $0.00 $13,368.42
Total $356,300.06 $44,752.50 $0.00 $401,052.56

Today's Rates

30 Year

6.54%

20 Year

6.33%

15 Year

5.81%

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Market insight data is pulled from the same city as the listing being viewed (Chatom, AL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:06:24.000Z

© 2026 Pensacola Association of REALTORS®, Inc.