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38 Sunset Cir, Lincoln, AL, 35096

3beds
4baths
3,920sqft
$824,900
$210price/sqft
$5,432/moest. monthly cost
$217,280/yrincome needed

About This Home

Beautifully renovated waterfront home on 1+/- acre overlooking Logan Martin Lake. Redesigned with modern lake living in mind, it blends quality craftsmanship with timeless style. The custom kitchen offers handcrafted cabinetry, hard-surface countertops and an oversized pantry. A floor-to-ceiling stone fireplace anchors the open living area, while a separate dining room provides flexible space to gather, work or entertain. The primary suite includes deck access and a spa-inspired bath with exceptional storage. The finished basement features a second living area with second stone fireplace, spacious bedroom and beautifully updated bath. Outside, enjoy year-round water from the boat dock, or take in the views from the expansive deck and screened porch. A shared boat launch adds convenience.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

9/10
Lincoln Elementary SchoolGrades PK-55.2 mi
9/10
3/10
Lincoln High SchoolGrades 9-124.8 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Basement
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Microwave,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Sink,Washer Hookup,Main Level,Laundry Room,Yes

Basement

  • Area: 1756

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Daylight

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • None,Linen Closet,Separate Shower,Walk-In Closet(s)
  • Flooring: Hardwood,Laminate
  • Number of fireplaces: 2
  • Fireplace features: Stone,Living Room,Recreation Room,Gas
  • Fireplace: Yes
  • Attic: Pull Down Stairs,Yes
  • Finished area below ground: 1,756
  • Finished area above ground: 2,164

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Heat Pump

Interior Area

  • Total interior livable area: 3,920 sqft

Kitchen

  • Features: Butcher Block

Property

Details

  • Parcel number: 0207360000075.000
  • Special condition: N/A

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio,Open (DECK),Screened (DECK),Deck
  • Exterior features: Balcony,Dock
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Waterbody name: Logan Martin
  • Frontage length: 159

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached,Driveway,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
Strong Wind
Heat Wave
Lightning
Wildfire

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 $4,171$50,052
Home Insurance *$624$7,488
Property Taxes $199$2,388
Electricity $438$5,263
Total$5,432$65,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,240/yr
40% on housing$162,960/yr
45% on housing$144,853/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 35096$172
Talladega County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 35096$141
Talladega County$128

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
2026-07-03Listed for sale$824,900

For Sale by Agent

AgentLauren Stewart
BrokerageKeller Williams Tuscaloosa

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