Area tour · Quiet, low-density beach houses
Fort Morgan
Fort Morgan is the quiet end of the coast. It's a long peninsula west of Gulf Shores along Highway 180, mostly beach houses on pilings next to the Bon Secour National Wildlife Refuge. There's less traffic, and larger groups book the houses.
Median sale priceAsk JoelPrices vary a lot between gulf-front, bay-side, and interior lots
Property mixMostly housesPlus a few condo complexes and Kiva Dunes
Property tax~28 millsUnincorporated county rate; varies by district
Lodging taxLowerNo city lodging tax unless the property is in Gulf Shores' police jurisdiction
Who it fits
Good for
- Investors who want large houses that rent to large groups
- Second-home buyers who want space and quiet
- Buyers who don't need restaurants within walking distance
Before you buy
Watch out for
- Wind insurance on a stand-alone beach house is often the biggest cost after the mortgage. Get a quote first.
- There's one road in and out (Highway 180). That matters for evacuations, contractors, and how long cleaners take to get there.
- Groceries and restaurants are a longer drive, so guests should know that before they book.
What it costs
Example: $850K beach house
Monthly cost to own, using starting estimates. Real quotes for your property will be different.
| Monthly | Estimate |
|---|---|
| Mortgage (25% down, 7%, 30 yr) | $4,241 |
| Property tax (rental) | $397 |
| Insurance (wind + flood) | $875 |
| HOA | $75 |
| Utilities, internet, TV | $575 |
| Cost to own | $6,163 |
Cash to close: about $233,750. Example rental revenue: $75,000/yr, with estimated cash flow of -$1,975/mo after management, platform fees, and reserves.
Looking in Fort Morgan?
Book a callSend me the listing. I'll tell you if it works.
Real insurance quotes, the HOA budget, and rental comps for the exact property.