21568 Sugar Creek Estates Rd NW, Athens, AL, 35614
About This Home
Enjoy relaxed waterfront living where Sugar Creek meets the Elk River near Sportsman’s Park. This inviting retreat offers panoramic water views, calm waters, a private dock, and quick access to a nearby community boat ramp. Kayak, fish, or boat from your backyard. Entertain or unwind on spacious covered and open deck space with wildlife and stunning sunrise views. The home features abundant natural light, 9-ft and vaulted ceilings, a cozy fireplace, LVP flooring, durable Hardie board siding, a new main HVAC (2025), and a lower-level garage with a concrete drive. Two flexible suites offer ideal guest or rental options. Additional land across the street provides even more potential.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2004
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Basement: Crawl Space
Bathroom1
- Features: LVP Flooring
- Level: First
- Area: 80
Bathroom2
- Features: LVP
- Level: First
- Area: 20
Bathroom3
- Features: LVP
- Level: Second
- Area: 80
Bedroom2
- Features: Ceiling Fan(s),Walk-In Closet(s),LVP
- Level: Second
- Area: 220
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
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: 1,598 sqft
Kitchen
- Features: 9’ Ceiling,Eat-in Kitchen,Kitchen Island,LVP
- Level: First
- Area: 286
Living Room
- Features: 9’ Ceiling,Ceiling Fan(s),Fireplace,Vaulted Ceiling(s),LVP
- Level: First
- Area: 280
Master Bedroom
- Features: 9’ Ceiling,Ceiling Fan(s),Vaulted Ceiling(s),LVP
- Level: First
- Area: 169
Property
Details
- Parcel number: 0506130002010000
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered
- Exterior features: Dock
- On waterfront: Yes
- Waterfront features: River Front,Water Access,Waterfront,River
- Waterbody name: Lake Wheeler,Elk River
Lot
- Lot size: 0.39 Acres
Parking
- Parking features: Garage-Attached,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
- Tornado
- Drought
- Earthquake
- Heat Wave
- Lightning
- Strong Wind
- 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 | $2,148 | $25,776 |
| Home Insurance * | $328 | $3,936 |
| Property Taxes | $113 | $1,356 |
| Electricity | $240 | $2,881 |
| Total | $2,829 | $33,948 |
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 |
|---|---|---|
| 2026-07-21 | Price change | $424,900 |
| 2026-06-03 | Listed for sale | $435,000 |
| 2020-10-21 | Sold | $215,000 |
| 2009-10-23 | Sold | $209,200 |
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