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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 Cullman, Alabama – a charming city nestled in the heart of the Appalachian foothills, where the echoes of history reverberate amidst a landscape of natural beauty. In Cullman, time seems to slow down, allowing residents and visitors to embrace a simpler way of life and revel in the warmth of southern hospitality. With its rich history, vibrant culture, and an array of attractions, Cullman offers a captivating experience that lingers in the hearts and minds of all who visit.
Discover a place where the past and present coexist harmoniously, and the spirit of community thrives. Wander cobblestone streets, lined with beautifully preserved historic buildings and a sense of nostalgia that transports you to a bygone era. The city’s unique blend of German and Southern influence is evident in its architecture, festivals, and proud lineage of immigrants who settled here in the late 19th century.
Cullman’s history is intertwined with the legacy of Colonel Johann Gottfried Cullmann, the visionary entrepreneur who established the town in 1873. His dream was to create a utopian community where hard work and perseverance would flourish. Today, his legacy lives on in the vibrant community that bears his name.
Embark on a journey of discovery by exploring the many attractions and landmarks that highlight Cullman’s storied past. Begin at the Cullman County Museum, housed in a historic railroad depot, where exhibits delve into the region’s history, including Native American heritage, the Civil War, and the German settlers who shaped the city’s character.
Continue your exploration with a visit to the Ave Maria Grotto, a hidden gem that mesmerizes visitors with its miniature reproductions of famous religious structures from around the world. This enchanting site, lovingly crafted by Brother Joseph Zoettl, offers a glimpse into the artist’s imagination and devotion.
For outdoor enthusiasts, Cullman County abounds with natural beauty and recreational opportunities. Wade into the pristine waters of Smith Lake, renowned for its clear blue hues and excellent fishing. Hike pristine trails in the Bankhead National Forest, witnessing nature’s wonders unfold with every step. Admire the majestic beauty of Hurricane Creek Park, a tranquil oasis where water cascades down waterfalls and ancient rock formations lend an air of mystery.
Immerse yourself in the cultural tapestry of Cullman during the annual Oktoberfest, a lively celebration of German heritage filled with music, dancing, and delicious cuisine. Indulge in bratwurst, sauerkraut, and traditional German pastries as you join in the revelry. The Cullman Strawberry Festival is another highlight, drawing visitors from far and wide to savor the sweet delight of locally grown strawberries and enjoy family-friendly activities.
Uncover the city’s hidden treasures with a visit to Sportsman Lake Park, a picturesque retreat perfect for picnicking or spending quality time with loved ones. Explore the Cullman Warehouse District, where antique shops, art galleries, and quaint eateries offer a delightful shopping and dining experience.
Fun tidbits about Cullman include its distinction as the home of the famous Ave Maria Grotto. Furthermore, the city’s strong German heritage is showcased through the presence of traditional beer gardens and the annual Cullman Oktoberfest. Cullman’s desirable quality of life stems from its strong sense of community, excellent educational opportunities, and a low crime rate. The city’s commitment to quality healthcare is evident through the presence of top-notch medical facilities, ensuring the well-being of residents of all ages.
For RV enthusiasts, Cullman offers an array of camping options that provide a gateway to natural wonders and outdoor adventures. Smith Lake Park offers RV sites with scenic lake views, while Stony Lonesome OHV Park beckons with thrilling off-road trails for all-terrain vehicle enthusiasts.
Mobile, manufactured, and modular homeowners will find a welcoming environment in Cullman. The city’s housing options cater to diverse needs, including quiet neighborhoods, retirement communities, and family-friendly subdivisions. The proximity to amenities, excellent schools, and a strong sense of community make Cullman an appealing destination for those seeking a peaceful place to call home.
As you explore Cullman’s historical sites, immerse yourself in its cultural offerings, and bask in its natural splendor, you will discover the true essence of southern charm and hospitality. Welcome to Cullman – a destination where the past and present intertwine to create an unforgettable experience that lingers in the hearts of all who visit.
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:
How to secure your mobile home against tornadoes.
Steps to create an emergency plan.
Importance of tornado insurance coverage.
Understanding insurance needs for renting out your mobile home.
Liability and property coverage essentials for landlords.
How to ensure your tenants are adequately covered.
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.
Know what your policy covers in a mobile home park.
Consider community-specific risks and adjust coverage.
Engage with park management on safety and security measures.
Map out your route considering Alabama's diverse landscapes.
Schedule stops at must-see attractions.
Stay informed about weather and road conditions.
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.
