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18045 Belmont Cir, Athens, AL, 35613

3beds
2baths
1,449sqft
$299,900
$207price/sqft
$2,027/moest. monthly cost
$81,080/yrincome needed

About This Home

Come check out this well maintained full brick home featuring 3 bedrooms and 2 full baths with a functional floor plan. Enjoy the spacious 20x20 covered patio overlooking the above-ground pool, perfect for relaxing or entertaining. The large detached shop with two bay doors offers endless possibilities for storage, hobbies, or a workshop. This property combines comfort, outdoor living, and versatile space!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Johnson Elementary SchoolGrades PK-53.3 mi
6/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Microwave

Bedroom2

  • Level: First
  • Area: 132

Bedroom3

  • Level: First
  • Area: 121

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 98

Features

  • Number of fireplaces: 1
  • Fireplace features: One
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central 1,Natural Gas
  • Cooling features: Central 1

Interior Area

  • Total interior livable area: 1,449 sqft

Kitchen

  • Features: Granite Counters,Isolate,Tile
  • Level: First
  • Area: 112

Living Room

  • Features: Fireplace
  • Level: First
  • Area: 224

Master Bedroom

  • Features: Carpet,Walk-In Closet(s)
  • Level: First
  • Area: 168

Property

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Patio

Lot

  • Lot size dimensions: 90 x 227 x 89 x 223

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
    Cold WaveRelatively High
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
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 $1,516$18,192
Home Insurance *$192$2,304
Property Taxes $79$948
Electricity $240$2,881
Total$2,027$24,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,497/yr
40% on housing$60,810/yr
45% on housing$54,053/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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 35613$170
Limestone County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 35613$167
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
2026-07-21Listed for sale$299,900

For Sale by Agent

AgentJ R Smith
BrokerageCrue Realty

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