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9825 Wolf Creek Rdg, Elberta, AL, 36530

6beds
4baths
3,157sqft
$899,000
$285price/sqft
$5,609/moest. monthly cost
$224,360/yrincome needed

About This Home

Watch the dolphins in the evening! Nestled along the Sandy River with approximately 259 feet of waterfront frontage, this beautifully remodeled 6-bedroom, 4-bath home offers the perfect blend of comfort, space, and coastal lifestyle on 1.8 acres. Designed for enjoying life on the water, the property features a covered boat dock with lift, private boat ramp, outdoor shower, newly completed landscaping, covered RV pad, and additional open storage building.Inside, the home has been completely updated and offers spacious living areas, abundant natural light, chef's kitchen and a large primary suite with an oversized walk-in closet. Whether you’re looking for a full-time residence, vacation retreat, or entertaining space, this property provides room for everyone to relax and enjoy waterfront living.Spend your days boating, fishing, kayaking, or simply taking in the peaceful river views right from your backyard. Conveniently located approximately 13 miles from Gulf Shores, 9 miles from Pirates Cove, and only 4 miles from OWA, this property combines privacy with easy access to dining, entertainment, beaches, and coastal attractions. Buyer to verify all information during due diligence. Indoor pics coming Monday 5/25/2026

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
Elberta Elementary SchoolGrades PK-63.8 mi
7/10
Elberta Middle SchoolGrades 7-83.8 mi
9/10
Elberta Middle SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Composition Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • En Suite,Internet,Ceiling Fan(s),Split Bedroom Plan
  • Window features: Window Treatments
  • Flooring: Tile,Luxury Vinyl Plank
  • Fireplace features: No Fireplace

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total interior livable area: 3,157 sqft

Property

Details

  • Parcel number: 6101120000009.007
  • Special condition: None

Features

  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Outdoor Shower
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • Waterfront features: Canal Front Building,Creek Front Building
  • Waterbody name: Sandy Creek

Lot

  • Lot size: 1.80 Acres

Parking

  • Parking features: Attached,RV Garage,Double Garage,Garage Door Opener
  • Has garage: Yes

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tornado
Drought
Wildfire

FEMA Declared Disasters Across Alabama Counties

Flood
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 $4,545$54,540
Home Insurance *$494$5,928
Property Taxes $217$2,604
Electricity $353$4,239
Total$5,609$67,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$192,308/yr
40% on housing$168,270/yr
45% on housing$149,573/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 36530$157
Baldwin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 36530$208
Baldwin County$189

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
2026-07-26Price change$899,000
2026-06-11Price change$945,000
2026-05-21Listed for sale$960,000
2025-02-28Sold$685,000
2024-12-30Pending sale$775,000
2024-12-20Price change$775,000
2024-10-02Price change$799,000
2024-08-23Listed for sale$899,000
2017-03-03Sold$350,000
2016-09-01Price change$369,900
2016-07-16Price change$379,900
2016-04-08Price change$399,900
2016-02-12Price change$425,000
2015-11-05Listed for sale$449,000

For Sale by Agent

AgentLori Cash
BrokerageElite Real Estate Solutions, LLC

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