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Single Family ResidenceResidential
$1,020,445$228 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 69How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $575,000 on Dec 15, 2016

1040 HARBOR RIDGE RD

GUNTERSVILLE, AL 35976
3
Baths
4,473 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.74 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$1M
$704K low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$575,000 · Dec 15, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,053 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$56,980 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,260
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$667,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
92
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
23
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMARSHALL
Lot (acres)The size of the land the home sits on, from county records.0.73
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Guntersville Elementary SchoolA+
Elementary · Grades PK–2 · 3.3 mi
M
Guntersville Middle SchoolA+
Middle · Grades 6–8 · 3.5 mi
H
Guntersville High SchoolB-
High · Grades 9–12 · 5.5 mi

District: Guntersville City School District

Neighborhood · ZIP 35976These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.73

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.18,635
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.113 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,560
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,572
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.56 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1040 Harbor Ridge Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in Marshall County
  • Costs more per square foot than 89% of homes in Marshall County
  • Among the largest homes in Marshall County
  • Newer than 85% of homes in Marshall County

What homes are worth in Guntersville 35976

Each bar is how many homes fall in that price range. The marker is this home.

This home
$55K$1.6M

This home is worth more than 93% of homes in Guntersville 35976.

How it measures up in Guntersville 35976

The dot is this home. The mark in the middle is the typical home in Guntersville 35976.

Estimated value$1,020,445
CheaperTypical $299,900Pricier

Pricier than 93% of homes nearby

Price per ft²$228
CheaperTypical $165Pricier

Pricier than 76% of homes nearby

Living area4,473 ft²
SmallerTypical 1,707 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.74 ac
SmallerTypical 0.62 acBigger

Bigger than 56% of homes nearby

Year built2004
OlderTypical 1985Newer

Newer than 81% of homes nearby

How 1040 Harbor Ridge Rd ranks against every home in each area.
MeasureThis homeGuntersville 35976Marshall County
Estimated valuepricier than$1,020,44593% of homes98% of homes
Price per ft²pricier than$22876% of homes89% of homes
Living areabigger than4,473 ft²97% of homesalmost all homes
Lot sizebigger than0.74 ac56% of homes50% of homes
Year builtnewer than200481% of homes85% of homes

About 1040 Harbor Ridge Rd

How much is 1040 Harbor Ridge Rd, Guntersville, AL worth?

The TopHap Estimate for 1040 Harbor Ridge Rd, Guntersville, AL is $1,020,445 as of Aug 30, 2026. The likely range is $704,317 to $1,336,573. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1040 Harbor Ridge Rd, Guntersville, AL last sell?

1040 Harbor Ridge Rd, Guntersville, AL last sold on Dec 15, 2016 for $575,000, according to the county's recorded deed.

How big is 1040 Harbor Ridge Rd, Guntersville, AL?

1040 Harbor Ridge Rd, Guntersville, AL has 3 bathrooms, 4,473 square feet of living space and a 0.73-acre lot.

When was 1040 Harbor Ridge Rd, Guntersville, AL built?

1040 Harbor Ridge Rd, Guntersville, AL was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 1040 Harbor Ridge Rd, Guntersville, AL?

1040 Harbor Ridge Rd, Guntersville, AL is assigned to Guntersville Elementary School (elementary), rated A+; Guntersville Middle School (middle), rated A+; Guntersville High School (high), rated B-. All sit in Guntersville City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Harbor Ridge Rd, Guntersville, AL compare to other homes in Guntersville 35976?

Among the 7,144 homes in Guntersville 35976, it is worth more than 93% of them ($1,020,445 against a typical $299,900), its price per square foot is higher than 76% of them ($228 against a typical $165), it is bigger than 97% of them (4,473 ft² against a typical 1,707 ft²), its lot is bigger than 56% of them (0.74 ac against a typical 0.62 ac) and it is newer than 81% of them (2004 against a typical 1985). Measured against all of Marshall County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1040 Harbor Ridge Rd, Guntersville, AL?

The 2025 property tax bill for 1040 Harbor Ridge Rd, Guntersville, AL was $2,053. The county assessed it at $56,980.

More homes on Harbor Ridge Rd

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