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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.
Welcome to Hartselle, Alabama – A Charming Oasis Where Heritage and Hospitality Flourish, where the echoes of history dance on cobblestone streets, and the warm embrace of the community envelops visitors and residents alike. Nestled in the heart of North Alabama, Hartselle exudes a timeless charm, a testament to its rich history, inviting attractions, and a way of life that celebrates genuine Southern hospitality.
Unveiling the Past – Tracing Hartselle’s Storied Tapestry of History
Hartselle’s history stretches back to the early 19th century when pioneers first settled in this picturesque region, drawn by its fertile lands and accessibility. The growth of the city was propelled by the arrival of the railroad in the 1870s, intertwining Hartselle’s destiny with the expanding railway network of the nation. Renowned as the “Cradle of the South,” Hartselle became an important center for Confederate forces during the Civil War. The city’s pivotal role in the conflict is reflected in the rich tapestry of historical sites and markers that can be found throughout its streets, serving as constant reminders of the struggles and triumphs of its residents.
Captivating Attractions – Must-Visit Destinations in Hartselle
Hartselle captivates visitors with its unique blend of natural beauty, historic treasures, and charming attractions. Explore the past at the Hartselle Historical Society Depot Museum, housed in a beautifully restored 19th-century train depot. Marvel at the extensive collection of artifacts, photographs, and memorabilia that tell the story of Hartselle’s journey through time. Nature lovers will find solace at Sparkman Park, a verdant oasis woven with walking trails, picnic spots, and serene lakes. Take a leisurely stroll, enjoy a family picnic, or engage in a friendly game of disc golf amidst the tranquil beauty that abounds.
Obscure Delights and Hidden Gems
Did you know that Hartselle was the birthplace of William Bradford Huie, a renowned journalist, and author? Huie’s groundbreaking reporting shed light on significant events in American history, from civil rights struggles to the trial of Emmett Till’s murderers. Delve into the life and contributions of this influential figure at the Hartselle Depot Roundhouse Museum, which houses exhibits that celebrate Huie’s legacy. For a taste of unique local flavor, visit one of Hartselle’s thriving boutique shops that line the charming downtown streets. Explore the All Steak Restaurant, a local landmark since 1934, where you can savor a mouthwatering steak or indulge in their famous fried green tomatoes, all accompanied by warm Southern hospitality.
A Place to Call Home – Why Hartselle Enchants Residents
Hartselle offers a nurturing environment for those seeking a place to call home. The city’s strong community spirit, excellent schools, and affordable housing options make it an ideal destination for families, young professionals, and retirees alike. The close-knit community fosters a sense of belonging, where neighbors become friends, and lifelong bonds are formed. RV enthusiasts, mobile/manufactured/modular homeowners will find Hartselle to be a welcoming haven. The city’s strategic location provides easy access to numerous RV parks and communities, offering a peaceful retreat amidst the awe-inspiring landscapes of Northern Alabama. Embrace the freedom of the open road, as Hartselle’s charm becomes an integral part of the journey.
Welcome to Hartselle, Alabama – a captivating blend of history, natural beauty, and Southern hospitality. Immerse yourself in the allure of its past, explore its attractions, and bask in the warmth of its community. Whether you seek to uncover untold stories, indulge in the tranquility of nature, or establish roots in a place brimming with character, Hartselle beckons you to embrace its embrace. Let the city’s timeless charm enchant you as you venture forth into the hidden treasures that adorn this remarkable corner of Alabama.
Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average.
Michigan law defines an “eligible person” for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners’ policies but include specific provisions for mobile homes.
Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.
Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.
Homeowners insurance isn’t required by Alabama state law, but your mortgage lender will likely require you to have it.
Insurance for manufactured homes in Alabama is essential and similar to traditional site-built homes, encompassing structure, liability, and personal property coverage. Despite common misconceptions, manufactured homes don’t inherently carry additional insurance risks.
However, insurance rates can vary significantly by state, often influenced by local weather patterns and natural disaster risks. In Alabama, homeowners insurance costs are above the national average, with state-specific regulations impacting policies. The Alabama Manufactured Housing Association (AMHA) has been advocating for the industry since 1968, ensuring quality and affordable housing options are available, underscoring the importance of proper insurance for homeownership.
Here are 10 unique considerations for owners of manufactured, mobile, modular, or RV homes in Alabama:
Weather and Environmental Risks:
Hartselle is susceptible to damaging straight-line winds, which can occur during severe thunderstorms or as a result of strong pressure gradients. These winds can cause property damage, downed trees, and power outages.
Tips for Mobile Homeowners, RV Owners, and Residents:
Hartselle, like much of Alabama, experiences hot and humid summers. High heat index values can lead to heat-related illnesses and discomfort, requiring specific measures for personal safety and well-being.
Tips for Mobile Homeowners, RV Owners, and Residents:
Hartselle faces the risk of flash flooding, particularly in urban areas with limited drainage capacity, as well as localized flooding from heavy rainfall. These events can catch residents off guard and pose dangers to property and personal safety.
Tips for Mobile Homeowners, RV Owners, and Residents:
Installing a security system in your RV for peace of mind.
How enhanced security can lower insurance premiums.
Types of security systems suited for RVs.
Exploring Alabama's state parks with your RV.
Park-specific rules and insurance considerations.
Preparing for the unique environments of each state park.
Protecting windows against severe weather and theft.
Energy-efficient window upgrades and their insurance advantages.
Regular window maintenance to ensure safety and integrity.
Use reflective roof coatings to reduce heat absorption.
Install awnings or sunshades over windows.
Stay hydrated and keep an eye on indoor temperatures.
Understand the difference in coverage for full-time vs part-time RVing.
Adjust your policy based on how often you use your RV.
Consider additional coverage for full-time living.
Notify your insurer before starting renovations.
Check if your policy covers renovation-related damages.
Update your insurance post-renovation to reflect changes in home value.
Mobile and Manufactured Home Insurance Statistics in Alabama:
Based on the 2017 American Community Survey by the U.S. Census Bureau, Alabama has 305,749 mobile homes, making up 13.5% of the state’s total housing. Walker County has the highest percentage of mobile homes at 31.5%.
The presence of mobile homes varies by county, with the lowest being Jefferson County at 2.7% and others like Cullman County and St. Clair County had significantly higher percentages at 27.4% and 28.0% respectively. These figures highlight the importance of mobile homes in Alabama’s housing landscape.
In Alabama, the ten counties with the highest percentage of mobile homes, as per the 2017 American Community Survey, are as follows:
You’ve got 30 days to register it—don’t miss this, or you might get hit with a $10 penalty and a $15 citation fee. Ouch! And if you end up in court without your manufactured home decal, fines could soar up to $500 or even land you a short stay in the county jail.
Here’s the deal on where to register:
Register with the Tax Assessor’s Office if your name’s on both the home and the land titles. Bought them as a package? You’re in luck—no sales tax! Living there yourself? Claim your homestead. Have family staying over? It’s a bit more in taxes, but still a sweet deal. Any confusion? Just call the Tax Assessor at 256-532-3350 for a chat.
Head over to the License Department if you own the home but not the land, or if you’re renting it out. Remember, you’ve got to cover the sales tax and title fee if it’s a 1990 model or newer from out-of-state. Mark your calendar! Registration ends on September 30 each year, and renewal time is from October 1 to November 30.
Don’t forget the Bill of Sale. Alabama dealers take care of sales tax, but out-of-state purchases need sales tax paid at the License Department. And don’t try the old “$1 Bill of Sale” trick—it won’t fly here!
If your manufactured home is a 1992 model or newer, you need a title. Alabama dealers will sort this out for you, but if you’re buying from an individual, you’ll need to sign off on the title with the License Department.
Before you hit the road, grab a move permit for $10. It’s good for 14 days per module, and make sure your taxes or registration fees are all clear. Without it, you’re looking at a class C misdemeanor and at least a $50 fine.
Check with local inspection departments for any setup fees in the area where you’re laying down roots.
You can make it officially part of your property. Just match up the names on the home and land titles, and send in an application with all the right paperwork to the Department of Revenue. If you ever decide to move your home, you’ll need to get a new title. And if your home is a vintage model over 20 years old, no title needed! Just so you know, this doesn’t necessarily mean your home is considered real estate in all legal situations, but it does for tax purposes.
