Located on Lower Wetumpka Road in Montgomery, Alabama, this 2-bedroom, 1-bathroom single-family home offers an accessible entry point into homeownership in the Heart of Dixie — no traditional bank loan required. With 820 square feet of living space and a generous 21,780 square foot lot, this property delivers something increasingly rare in today's housing market: land to call your own at a price point that makes sense.

Montgomery is Alabama's state capital and one of the state's most historically significant cities, offering residents access to employment, healthcare, education, and infrastructure that smaller markets simply can't match. The Lower Wetumpka Road corridor connects to the broader Montgomery metro with relative ease, making this a practical choice for buyers who want manageable monthly costs without sacrificing proximity to city amenities.

At $89,000 with just $2,000 down and $849 per month (which includes taxes and insurance, PITI), the numbers here speak directly to buyers who are ready to stop renting and start building equity. Owner financing means the path to ownership doesn't run through a bank — it runs directly between buyer and seller, with terms designed for real people in real circumstances.

The home sits on a substantial lot with no basement, offering a straightforward, single-level layout. The lot size opens up real possibilities — gardening, outdoor projects, potential additions, or simply the breathing room that comes with owning a larger parcel of land in an urban setting. There is currently no fence on the property, giving buyers the opportunity to customize the outdoor space to their own preferences and needs.

Please note that water and power have been off since July 2026. The outside AC unit (air condenser) was stolen; upon the buyer moving in, a new unit will be installed.

If you're searching for affordable owner-financed homes in Montgomery, Alabama, this listing checks the essential boxes: realistic down payment, manageable monthly payment, and a lot size that adds long-term value well beyond the home's square footage.