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114 Cross Creek Ln, Gadsden, AL, 35901

4beds
4baths
3,648sqft
$875,000
$240price/sqft
$5,854/moest. monthly cost
$234,160/yrincome needed

About This Home

Stunning luxury custom home in Whorton Bend/Cross Creek, tucked at the end of a private cul-de-sac in a quiet, serene neighborhood. Showcasing exceptional craftsmanship, this elegant 4BR, 3.5BA estate features expansive vaulted ceilings, a private study, sophisticated wet bar, and two striking fireplaces. The primary suite offers a custom-designed closet for elevated living. Outdoors, enjoy a gas-heated gunite pool with sun deck and hot tub, expansive entertaining deck, and a large, flat, fully fenced backyard.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

10/10
5/10
Rainbow Middle SchoolGrades 6-84.8 mi
5/10
Southside High SchoolGrades PK,9-124.1 mi

Construction

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Second
  • Area: 273

Bedroom3

  • Level: Second
  • Area: 238

Bedroom4

  • Level: Second
  • Area: 195

Bedrooms & Bathrooms

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

Dining Room

  • Features: Bay WDW,Crown Molding,Wainscoting
  • Level: First
  • Area: 195

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: 3,648 sqft

Kitchen

  • Features: Bay WDW,Granite Counters,Wood Floor
  • Level: First
  • Area: 300

Living Room

  • Features: Crown Molding,Wood Floor
  • Level: First
  • Area: 304

Master Bedroom

  • Features: Crown Molding
  • Level: First
  • Area: 304

Play Room

  • Level: Second
  • Area: 180

Property

Details

  • Parcel number: 1507260001030009

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Sprinkler Sys

Lot

  • Lot size: 0.63 Acres
  • Lot size dimensions: 135 x 203.6 x 135

Parking

  • Parking features: Garage-Two Car

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Lightning
Strong Wind
Cold Wave
Heat Wave

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 $4,424$53,088
Home Insurance *$789$9,468
Property Taxes $233$2,796
Electricity $408$4,898
Total$5,854$70,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$200,708/yr
40% on housing$175,620/yr
45% on housing$156,106/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

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 35901$121
Etowah County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 35901$108
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
2026-04-08Listed for sale$875,000
2018-05-30Sold$445,000

For Sale by Agent

AgentAlly Clokey
BrokerageClokey Realty Inc

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