109 Gander Cir, Owens Cross Roads, AL, 35763
About This Home
Built in 2022, this beautiful 3-bedroom, 3-bath home combines modern design with everyday comfort. The open-concept layout includes a dedicated office and spacious bonus room, providing plenty of flexible space. The kitchen features granite countertops, a large island, and generous storage that flows seamlessly into the living and dining areas. The primary suite offers a separate tub and tiled shower, dual vanities, and a walk-in closet. Additional highlights include a 3-car garage, tons of closet space, and a new roof installed in 2024. Outside, enjoy a private backyard setting with peaceful views of the retention pond, creating a scenic backdrop for relaxing or entertaining.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Slab
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Dishwasher,Microwave,Refrigerator
Bedroom2
- Features: Carpet
- Level: Second
- Area: 121
Bedroom3
- Features: Carpet
- Level: Second
- Area: 132
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Bonus Room
- Features: Carpet
- Level: Second
- Area: 324
Features
- Fireplace features: None
Heating & Cooling
- Heating features: Central 2,Electric
- Cooling features: Central 2,Electric
Interior Area
- Total interior livable area: 2,669 sqft
Kitchen
- Features: Granite Counters,LVP
- Level: First
- Area: 143
Living Room
- Features: Ceiling Fan(s),LVP
- Level: First
- Area: 225
Office
- Features: Carpet
- Level: First
- Area: 165
Property
Details
- Parcel number: 2209290001037022
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 0.27 Acres
- Lot size dimensions: 60 x 197
Parking
- Parking features: 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
- Cold Wave
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Heat Wave
- Ice Storm
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 | $1,920 | $23,040 |
| Home Insurance * | $232 | $2,784 |
| Property Taxes | $123 | $1,476 |
| Electricity | $298 | $3,583 |
| Total | $2,573 | $30,876 |
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 |
|---|---|---|
| 2026-05-14 | Price change | $379,900 |
| 2026-03-14 | Price change | $382,500 |
| 2025-11-13 | Price change | $387,500 |
| 2025-09-19 | Listed for sale | $390,000 |
| 2025-08-01 | Listing removed | $385,000 |
| 2025-05-15 | Listed for sale | $385,000 |
| 2025-03-21 | Pending sale | $385,000 |
| 2024-11-19 | Listed for sale | $385,000 |
| 2022-06-29 | Sold | $378,070 |
| 2022-05-04 | Pending sale | $376,900 |
| 2022-04-12 | Listed for sale | $376,900 |
View on Zillow