3044 Waterfront St, Guntersville, AL, 35976
About This Home
Spacious & beautifully designed 4-BD, 5-BA home nestled in the city limits of Guntersville. Over 3,500 sq ft of elegant living space, property boasts breathtaking lake and mountain views, convenient lake access via a community pier and boat launch. Plus community pool! Each of the 4 generously sized bedrooms features its own ensuite full bathroom, ensuring comfort and privacy for family and guests alike. The luxurious primary suite includes dual walk-in closets and a private adjoining office—perfect for remote work or a quiet retreat.A fully finished basement apartment with a private entrance provides an ideal setup for a home office, in-law suite, or income generating rental.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2009
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal
Basement
- Has basement: Yes
- Basement: Basement,Crawl Space
Bedroom2
- Features: 9’ Ceiling,Ceiling Fan(s),Crown Molding,Recessed Lighting,Smooth Ceiling,Wood Floor
- Level: First
- Area: 204
Bedroom3
- Features: 9’ Ceiling,Ceiling Fan(s),Crown Molding,Recessed Lighting,Smooth Ceiling,Wood Floor
- Level: First
- Area: 204
Bedroom4
- Level: Second
- Area: 288
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Bonus Room
- Area: 392
Dining Room
- Features: 9’ Ceiling,Bay WDW,Ceiling Fan(s),Crown Molding,Recessed Lighting,Smooth Ceiling,Tray Ceiling(s),Wood Floor
- Level: First
- Area: 208
Features
- Number of fireplaces: 1
- Fireplace features: Gas Log,One
- Fireplace: Yes
Heating & Cooling
- Heating features: Central 2+
- Cooling features: Central 2
Interior Area
- Total interior livable area: 3,500 sqft
Kitchen
- Features: 9’ Ceiling,Crown Molding,Granite Counters,Kitchen Island,Recessed Lighting,Smooth Ceiling,Wood Floor
- Level: First
- Area: 272
Laundry Room
- Features: 9’ Ceiling,Crown Molding,Tile,Utility Sink
- Level: First
- Area: 260
Living Room
- Features: 9’ Ceiling,Ceiling Fan(s),Crown Molding,Fireplace,Recessed Lighting,Smooth Ceiling,Wood Floor
- Level: First
- Area: 323
Master Bedroom
- Features: 9’ Ceiling,Bay WDW,Ceiling Fan(s),Crown Molding,Smooth Ceiling,Tray Ceiling(s),Wood Floor,Walk-In Closet(s)
- Level: First
- Area: 336
Office
- Level: First
- Area: 60
Property
Details
- Parcel number: 1509291000008.023
Features
- Exterior features: Dock
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Boat Ramp on Prop.
- Waterbody name: Lake Guntersville
Lot
- Lot size dimensions: 186 x 146 x 155 x 162
Parking
- Parking features: Garage-Two Car,Garage Faces Front,Driveway-Concrete
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Tornado
- Cold Wave
- Inland Flooding
- Lightning
- Strong Wind
- Heat Wave
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Alabama Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,781 | $33,372 |
| Home Insurance * | $442 | $5,304 |
| Property Taxes | $137 | $1,644 |
| Electricity | $391 | $4,699 |
| Total | $3,751 | $45,012 |
Income You'd Need if You Spent...
Alabama FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-10 | Price change | $550,000 |
| 2026-03-25 | Price change | $599,000 |
| 2025-12-31 | Price change | $620,000 |
| 2025-11-06 | Price change | $630,000 |
| 2025-09-30 | Price change | $655,000 |
| 2025-08-23 | Price change | $664,000 |
| 2025-07-24 | Price change | $669,000 |
| 2025-07-17 | Price change | $678,500 |
| 2025-07-03 | Listed for sale | $679,000 |
| 2018-05-30 | Sold | $352,000 |
| 2016-09-16 | Listing removed | $369,900 |
| 2015-10-27 | Price change | $369,900 |
| 2015-08-15 | Listed for sale | $369,000 |
| 2012-09-07 | Listing removed | $389,500 |
| 2012-03-01 | Listed for sale | $389,500 |
| 2011-12-07 | Listing removed | $420,000 |
| 2011-08-14 | Price change | $420,000 |
| 2011-07-16 | Listed for sale | $440,000 |
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