I'm not quite sure what you mean by "photo album quality". I'm using a super-zoom compact digital camera (in my case a Canon PowerShot S3 IS) which you can get in your price range. However, I don't make prints, but it is great for documentation. Certainly good enough for web publication. Have a look at some of
my photos, all taken at 50-150 feet or so. Note that these are low resolution crops (although my camera has a 12x zoom one generally has to crop the photos down so that the birds aren't too small in the final picture).
There are loads of super-zoom cameras on the market (you need 12x zoom or more, I would say) and image stabilization of some kind is a must.
You wont get digital SLR quality, but a super-zoom compact may be a good start.