21620 Sugar Creek Estates Rd, Athens, AL, 35614
About This Home
Nestled along the Elk River, 2-bed, 2-bath waterfront retreat offers 1,207 sq ft designed for weekends that turn into lifelong memories. Exposed wood-beamed ceilings, warm hardwood floors, & walls of windows bring the river into the heart of the home. A gentle walk to the water an increasingly rare find on Elk River leads to your private boat lift, making it effortless to spend your days fishing, boating, or simply enjoying the view. A detached garage with finished space above provides endless possibilities for guests, a bunk room, hobby space, or additional storage. If you're searching for the perfect fishing camp, weekend escape, or year-round river home this property captures it all.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1991
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Dishwasher,Microwave,Refrigerator,Dryer
Basement
- Basement: Crawl Space
Bedroom2
- Features: Ceiling Fan(s),Isolate,Sitting Area,Smooth Ceiling,LVP
- Level: Second
- Area: 132
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- 3/4 bathrooms: 2
Dining Room
- Features: Sitting Area,Smooth Ceiling,LVP Flooring
- Level: First
- Area: 100
Features
- Open Floorplan
- Number of fireplaces: 1
- Fireplace features: Gas Log,One
- Fireplace: Yes
Heating & Cooling
- Heating features: Central 1
- Cooling features: Central 1
Interior Area
- Total interior livable area: 1,207 sqft
Kitchen
- Features: Eat-in Kitchen,Granite Counters,Kitchen Island,Sitting Area,Smooth Ceiling,LVP
- Level: First
- Area: 126
Living Room
- Features: Ceiling Fan(s),Fireplace,Sitting Area,Smooth Ceiling,LVP
- Level: First
- Area: 120
Master Bedroom
- Features: Ceiling Fan(s),Isolate,Smooth Ceiling,LVP
- Level: First
- Area: 120
Property
Details
- Parcel number: 05 06 13 0 002 013.001
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Covered Porch,Front Porch
- Exterior features: Dock
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: River Front,Water Access,Seawall,Boat Lift,Waterfront,River
- Waterbody name: Elk River
- Topography of land: Sloping
Lot
- Lot size: 10,018 sqft
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
- 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 | $1,642 | $19,704 |
| Home Insurance * | $251 | $3,012 |
| Property Taxes | $86 | $1,032 |
| Electricity | $240 | $2,881 |
| Total | $2,219 | $26,628 |
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 |
|---|---|---|
| 2026-07-17 | Listed for sale | $324,900 |
| 2025-02-27 | Listing removed | $1,795 |
| 2024-08-18 | Listed for rent | $1,795 |
| 2023-10-08 | Listing removed | -- |
| 2023-09-28 | Listed for rent | $1,700 |
| 2023-05-11 | Sold | $218,000 |
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