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146 Alachua Ln, Albany, GA, 31707

4beds
3baths
2,265sqft
$369,900
$163price/sqft
$3,028/moest. monthly cost
$121,120/yrincome needed

About This Home

Fish, kayak, or boat right from your backyard on the beautiful Kinchafoonee Creek! This remodeled waterfront home offers approximately 2,265 square feet of living space with 4 bedrooms and 3 bathrooms, providing plenty of ways to customize the dwelling in Lee County. Designed to maximize the incredible creek views, this home features an open-concept layout with large windows that fill the living spaces with natural light while showcasing the water. Enjoy the flexibility of two kitchens, two living areas, and two fireplaces making this property ideal for entertaining, hosting guests, or creating separate living quarters for multi-generational families. Step outside to a spacious deck that wraps around much of the home, offering multiple places to relax, dine, and take in the peaceful setting on the creek. The large yard provides plenty of space for outdoor activities and includes two storage sheds for all your tools and recreational gear. For outdoor enthusiasts, this property is a dream come true. A large boat dock and convenient access points make it easy to launch your boat, kayak, or paddleboard directly into the creek. Whether you're fishing at sunrise, spending the day on the water, or simply enjoying the view, this home delivers the lifestyle you've been looking for. To sum up this home, updated finishes, abundant living space, and direct waterfront access combine to create a rare opportunity. Schedule your private showing today!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

--
6/10
Lee County Middle SchoolGrades 6-87.9 mi
9/10
Lee County High SchoolGrades 9-127.4 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Slab
  • Roof: Architectural
  • Construction materials: Vinyl Siding,Wood Trim

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Detached Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Range Hood Microwave,Refrigerator,Stove/Oven Electric,Stainless Steel Appliance(s),Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Crown Molding,Newly Painted,Open Floorplan,Specialty Ceilings,Granite Counters,Walls (Sheet Rock)
  • Flooring: Ceramic Tile,Carpet,Luxury Vinyl
  • Fireplace features: 2+ Fireplaces,Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat: Central Electric
  • Cooling features: A/C: Central Electric,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,265
  • Total interior livable area: 2,265 sqft

Property

Details

  • Parcel number: 040B 215

Features

  • Stories: 3
  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: Creek,Waterfront

Lot

  • Lot size: 1.03 Acres
  • Features: Flood Insurance,Flood Zone

Parking

  • Parking features: Parking Pad
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Tornado
Cold Wave
Strong Wind

FEMA Declared Disasters Across Georgia Counties

Hurricane
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 $1,870$22,440
Home Insurance *$652$7,824
Property Taxes $286$3,432
Electricity $220$2,640
Total$3,028$36,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,817/yr
40% on housing$90,840/yr
45% on housing$80,746/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

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: 4.5%
4.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 31707$73
Lee County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 31707$63
Lee County$135

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
2026-08-11Price change$359,900
2026-07-15Price change$369,900
2026-06-29Price change$389,900
2026-06-07Listed for sale$399,900
2026-06-06Listing removed--
2026-05-20Listed for sale$450,000
2025-05-19Sold$100,000

For Sale by Agent

AgentMiranda Peters
BrokerageChampions Realty

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