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1913 Garner St, Scottsboro, AL, 35769

4beds
3baths
3,091sqft
$440,000
$142price/sqft
$2,959/moest. monthly cost
$118,360/yrincome needed

About This Home

COMPLETELY remodeled in 2017, this 4BR/2.5BA full-brick home with 3,091 sq ft on a 1-acre lot features hardwood floors and modern finishes. There is a spacious living/dining area plus a cozy den with a gas fireplace. The kitchen features granite countertops, double ovens, a double pantry, and a built-in water filter. There is a large primary bedroom with double walk-in closets. Generous secondary bedrooms all with walk-in closets. All bathrooms feature granite countertops. Includes tankless water heater, two HVAC units (2017 & 2022), a 2-car garage, French drains, a 16x14 shed, and patio. Abundant storage space. 1.5 miles from County Park Boat Ramp. Move-in ready! More pics coming soon

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

9/10
7/10
6/10
Scottsboro High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1972

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Crawl Space

Bathroom1

  • Features: Double Vanity,Smooth Ceiling,Linoleum
  • Level: First
  • Area: 165

Bathroom2

  • Features: Double Vanity,Smooth Ceiling,Linoleum
  • Level: First
  • Area: 65

Bedroom2

  • Features: Ceiling Fan(s),Crown Molding,Smooth Ceiling,Wood Floor,Walk-In Closet(s)
  • Level: First
  • Area: 182

Bedroom3

  • Features: Ceiling Fan(s),Crown Molding,Smooth Ceiling,Wood Floor,Walk-In Closet(s)
  • Level: First
  • Area: 195

Bedroom4

  • Features: Ceiling Fan(s),Crown Molding,Smooth Ceiling,Wood Floor,Walk-In Closet(s)
  • Level: First
  • Area: 180

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Den

  • Features: Ceiling Fan(s),Crown Molding,Fireplace,Recessed Lighting,Smooth Ceiling,Wood Floor
  • Level: First
  • Area: 300

Features

  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central 2

Interior Area

  • Total interior livable area: 3,091 sqft

Kitchen

  • Features: Crown Molding,Eat-in Kitchen,Granite Counters,Smooth Ceiling,Linoleum
  • Level: First
  • Area: 156

Living Room

  • Features: Ceiling Fan(s),Crown Molding,Smooth Ceiling,Wood Floor
  • Level: First
  • Area: 330

Property

Details

  • Parcel number: 3801112000012000

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 1 Acres

Parking

  • Parking features: Garage-Two Car,Garage-Attached,Parking Pad

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

  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Lightning
Tornado
Cold Wave
Inland Flooding
Strong Wind
Winter Weather
Earthquake
Hail
Ice Storm

FEMA Declared Disasters Across Alabama Counties

Hurricane
Severe Storm
Tornado
Tropical Storm

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

MonthlyAnnual
Mortgage $2,224$26,688
Home Insurance *$299$3,588
Property Taxes $91$1,092
Electricity $345$4,150
Total$2,959$35,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,451/yr
40% on housing$88,770/yr
45% on housing$78,906/yr

Alabama FAIR Plan Programs

Alabama FAIR Plan

Covered
None
Add-on available
WildfireWildfire
Visit Website →

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.

Insurance Growth Rate5-year average: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 35769$195
Jackson County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 35769$161
Jackson County$138

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

DateEventPrice
2026-05-09Contingent$440,000
2026-04-24Price change$440,000
2026-03-25Listed for sale$465,000
2015-10-28Listing removed$84,900
2015-09-28Listed for sale$84,900
2014-10-08Listing removed$84,900
2014-06-09Listed for sale$84,900

For Sale by Agent

AgentRobyn Johnson
BrokerageRealpoint Real Estate

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