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6468 Turtle Bay Way E, Athens, AL, 35611

5beds
6baths
2,924sqft
$589,000
$201price/sqft
$3,868/moest. monthly cost
$154,720/yrincome needed

About This Home

Welcome to this stunning 2,840 sq ft waterfront home located in a serene, sought-after community on the Tennessee River. Built in 2001, this well-maintained residence offers spacious living with beautiful hardwood and carpet flooring, a durable metal roof, and an inviting open floor plan perfect for entertaining. Enjoy peaceful views, outdoor living, and access to water recreation right from your backyard. The home is part of a friendly HOA with well-kept surroundings and a relaxed lifestyle just minutes from downtown Athens.Seller acknowledges that certain furnishings currently within the Property may remain with the home as part of the sale. Piano does not remain with home. New HVAC

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

6/10
5/10
Clements High SchoolGrades 6-122.4 mi

Construction

Condition

  • Year built: 2001

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Microwave,Trash Compactor

Basement

  • Basement: Crawl Space

Bedroom

  • Features: 12’ Ceiling,Ceiling Fan(s),Crown Molding,Carpet,Double Vanity,Wood Floor
  • Level: First
  • Area: 187

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 171

Features

  • Central Vacuum
  • Number of fireplaces: 2
  • Fireplace features: Two
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central 2,Electric,Gas(n/a use NGas or PGas)
  • Cooling features: Central 1

Interior Area

  • Total interior livable area: 2,924 sqft

Kitchen

  • Features: 10’ + Ceiling,Tile
  • Level: First
  • Area: 88

Living Room

  • Features: 12’ Ceiling,Ceiling Fan(s),Crown Molding,Fireplace,Recessed Lighting,Sitting Area,Smooth Ceiling,Built-in Features
  • Level: First
  • Area: 304

Master Bedroom

  • Features: 12’ Ceiling,Bay WDW,Ceiling Fan(s),Crown Molding,Carpet,Double Vanity,Fireplace,Tray Ceiling(s),Wet Bar,Built-in Features
  • Level: Second
  • Area: 228

Property

Details

  • Parcel number: 12 04 19 0 000 009.014
  • Other equipment: Central Vacuum

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Bluff/Brow
  • On waterfront: Yes
  • Waterfront features: River Front,Boat Ramp on Prop.
  • Waterbody name: Tennessee River,Lake Wheeler,Elk River

Lot

  • Lot size: 7,711 sqft
  • Lot size dimensions: 43.98 x 175.34

Parking

  • Parking features: 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
    Cold WaveRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Drought
Inland Flooding
Strong Wind
Tornado
Winter Weather

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 $2,978$35,736
Home Insurance *$406$4,872
Property Taxes $157$1,884
Electricity $327$3,926
Total$3,868$46,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,617/yr
40% on housing$116,040/yr
45% on housing$103,146/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 11.6%
11.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 35611$141
Limestone County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 35611$156
Limestone County$165

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
2026-07-22Price change$589,000
2026-03-28Price change$625,000
2025-05-01Listed for sale$650,000

For Sale by Agent

AgentElaine Ballew
BrokerageSage Realty Group, LLC

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