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2699 Paddle Wheel Dr #105, Guntersville, AL, 35976

2beds
2baths
1,100sqft
$549,000
$499price/sqft
$3,594/moest. monthly cost
$143,760/yrincome needed

About This Home

Welcome to Unit 105 at City Harbor, Guntersville’s premier waterfront destination. This bottom-level 2BR/2BA condo offers a bright, open layout with seamless flow between living, dining, and kitchen. Enjoy front-to-rear lake views and gorgeous sunsets over Lake Guntersville. Step out to your covered patio, perfect for grilling, and take advantage of the rare ability to walk straight in from the back with groceries, gear, or luggage, no stairs required. Located in a vibrant mixed-use development with dining, shopping, entertainment, and marina access, this is waterfront living at its finest.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

10/10
9/10
5/10
Guntersville High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator

Bathroom1

  • Features: Smooth Ceiling,Tile
  • Level: First
  • Area: 63

Bedroom2

  • Features: Ceiling Fan(s),Recessed Lighting,Smooth Ceiling,LVP
  • Level: First
  • Area: 144

Bedrooms & Bathrooms

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

Dining Room

  • Features: Recessed Lighting,Smooth Ceiling,LVP
  • Level: First
  • Area: 130

Features

  • Fireplace features: None
  • Common walls with other units/homes: No One Below

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,100 sqft

Kitchen

  • Features: Eat-in Kitchen,Granite Counters,Recessed Lighting,Smooth Ceiling,LVP
  • Level: First
  • Area: 169

Laundry Room

  • Features: Smooth Ceiling,LVP
  • Level: First
  • Area: 21

Living Room

  • Features: Recessed Lighting,Smooth Ceiling,LVP
  • Level: First
  • Area: 221

Property

Details

  • Parcel number: 1501111000002105

Features

  • Patio & porch: Covered Patio,Covered Porch
  • Exterior features: Sidewalk
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Waterbody name: Lake Guntersville

Parking

  • Parking features: Parking Lot

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
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $2,776$33,312
Home Insurance *$441$5,292
Property Taxes $137$1,644
Electricity $240$2,881
Total$3,594$43,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,222/yr
40% on housing$107,820/yr
45% on housing$95,840/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$499This listing

vs Other Active Listings

Avg $/sqft

ZIP 35976$237
Marshall County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 35976$169
Marshall County$153

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)

No zestimate history available

Price History

DateEventPrice
2026-05-06Pending sale$549,000
2026-04-08Listed for sale$549,000

For Sale by Agent

AgentTrenten Hammond, South Towne Realtors, LLC
BrokerageSouth Towne Realtors, LLC

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