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195 Clear Creek Dr, Decatur, AL, 35603

4beds
3baths
1,753sqft
$260,650
$149price/sqft
$1,816/moest. monthly cost
$72,640/yrincome needed

About This Home

Under Construction-FULL BRICK!! The Fairfield is a thoughtfully designed, new single-family home features two stories of generous living space. Directly off the foyer is a free-flowing layout shared among a modern kitchen with center island, an intimate dining room and a welcoming Great Room for everyday activities. The second floor is comprised of all four bedrooms to offer private retreats. It includes a relaxing owner’s suite with an attached bathroom and walk-in closet.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
Decatur Middle SchoolGrades 6-84.2 mi
5/10
Decatur High SchoolGrades 9-124.2 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes

Materials

  • Foundation: Slab

Other

  • Builder name: LENNAR HOMES

Type & Style

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

Interior

Bedroom2

  • Features: Recessed Lighting,Smooth Ceiling,LVP Flooring
  • Level: Second
  • Area: 121

Bedroom3

  • Features: Recessed Lighting,Smooth Ceiling,LVP
  • Level: Second
  • Area: 126

Bedroom4

  • Features: Recessed Lighting,Smooth Ceiling,LVP
  • Level: Second
  • Area: 108

Bedrooms & Bathrooms

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

Dining Room

  • Features: Recessed Lighting,Smooth Ceiling,LVP
  • Level: First
  • Area: 126

Features

  • Fireplace features: None

Heating & Cooling

  • Heating features: Central 1
  • Cooling features: Central 1

Interior Area

  • Total interior livable area: 1,753 sqft

Kitchen

  • Features: Kitchen Island,Pantry,Recessed Lighting,Smooth Ceiling,LVP,Quartz
  • Level: First
  • Area: 108

Living Room

  • Features: Ceiling Fan(s),Recessed Lighting,Smooth Ceiling,LVP
  • Level: First
  • Area: 196

Master Bedroom

  • Features: Ceiling Fan(s),Recessed Lighting,Smooth Ceiling,LVP
  • Level: Second
  • Area: 182

Property

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.31 Acres
  • Lot size dimensions: 62 x 140

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

  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Lightning
Tornado
Cold Wave
Strong Wind
Winter Weather
Earthquake
Heat Wave
Inland Flooding
Ice Storm

FEMA Declared Disasters Across Alabama Counties

Hurricane
Severe Storm
Straight Line Winds
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 $1,317$15,804
Home Insurance *$192$2,304
Property Taxes $67$804
Electricity $240$2,881
Total$1,816$21,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,262/yr
40% on housing$54,480/yr
45% on housing$48,426/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 35603$139
Morgan County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 35603$155
Morgan County$138

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
2026-04-18Price change$259,785
2026-04-07Price change$268,650
2026-02-18Listed for sale$260,650

New Construction Spec

AgentStanford Stephens
BrokerageLennar Homes Coastal Realty

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