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309 Camden Cove Point, Gadsden, AL, 35903

6beds
5baths
4,400sqft
$899,000
$204price/sqft
$6,044/moest. monthly cost
$241,760/yrincome needed

About This Home

This exceptional 6-bed, 4.5-bath lake retreat offers 4,400 sq ft of elegant, accessible living with 187' of main-channel shoreline. Enjoy sweeping southwest sunsets from an 84' two-level porch, a 32'×36' double-slip dock with lifts, ~6' depth, and a 164' boardwalk beneath mature oaks. A rare step-free lot and commercial elevator provide seamless movement from driveway to dock, with 36" doorways and thoughtful finishes with wheelchair accessibility, in mind. The main level features oak hardwoods, three en suites, gas range, elevated dishwasher, gas fireplace and 9' ceilings. The lower level adds three bedrooms, a game room, storm room and 640-sq-ft garage. Set within Gadsden’s outdoor-driven lifestyle, residents enjoy year-round boating, fishing, paddleboarding, riverfront parks, scenic trails, and vibrant downtown festivals. Generator-ready with smart features, this home delivers turnkey luxury lake living. View the virtual tour!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

4/10
Glencoe Middle SchoolGrades 5-83.0 mi
5/10
Glencoe High SchoolGrades 9-122.9 mi
5/10
Glencoe Elementary SchoolGrades PK-43.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2016

Materials

  • Roof: Metal
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Oven,Gas Oven,Gas Range,Gas Water Heater,Microwave,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer,Other
  • Laundry features: Gas Dryer Hookup,Inside,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Concrete,Finished,Full,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Built-in Features,Ceiling - Smooth,Ceiling - Speciality,Counters - Solid Surface,Granite Counters,Crown Molding,His and Hers Closets,Double Vanity,Eat-in Kitchen,Entrance Foyer,Freshly Painted,Glamour Bath,Handicap Features,Kitchen Island,Primary Bedroom Main,Primary Shower & Tub,Recessed Lighting,Storage,Tile Shower,Tray Ceiling(s),Soaking Tub,Tub-Spa,Utility Sink,Walk-In Closet(s)
  • Window features: Blinds,Drapes,Insulated Windows,Window Coverings,Window Treatments
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room,Stone
  • Fireplace: Yes
  • Attic: Expandable,Floored,Partially Floored,Permanent Stairs
  • Finished area below ground: 0
  • Finished area above ground: 4,400

Heating & Cooling

  • Heating features: Heat Pump,Natural Gas,Other
  • Cooling features: Central Air,Gas,Heat Pump

Interior Area

  • Total structure area: 8,800
  • Total interior livable area: 4,400 sqft

Property

Accessibility

  • Accessibility features: Accessible Basement Entr,Accessible Bedroom,Accessible Doors,Accessible Elevator Installed,Accessible Entrance,Accessible Hallway(s)

Details

  • Parcel number: 1506233000007.011
  • Other equipment: Termite Bait System

Features

  • Patio & porch: Covered,Deck,Enclosed,Front Porch,Patio,Porch,Screened
  • Exterior features: Balcony,Barbecue,Boat Slip,Dock,Fire Pit,Garden,Gas Grill,Lighting,Outdoor Grill,Private Yard,Storage
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Boat Lift,Lake,Lake Front,Lake Privileges,Navigable Water
  • Frontage length: 187

Lot

  • Lot size: 0.33 Acres
  • Features: Cul-De-Sac,Few Trees,Flood Plain,Front Yard,Garden,Level
  • Lot size dimensions: 113 x 116 x 43 x 41 x 85 x 41 x 32

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Concrete,Driveway,Attached,Garage Door Opener,Garage Faces Front,Inside Entrance
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    TornadoVery High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Strong Wind
Cold Wave
Earthquake
Lightning

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 $4,545$54,540
Home Insurance *$768$9,216
Property Taxes $239$2,868
Electricity $492$5,908
Total$6,044$72,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$207,222/yr
40% on housing$181,320/yr
45% on housing$161,173/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 7.0%
7.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 35903$78
Etowah County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 35903$121
Etowah County$126

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
2026-04-15Listed for sale$899,000

For Sale by Agent

AgentFiona King
BrokerageReMax Patriot Realty

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