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491 County Road 677, Cullman, AL, 35055

4beds
2baths
1,990sqft
$315,000
$158price/sqft
$2,715/moest. monthly cost
$108,600/yrincome needed

About This Home

NEW LOWER PRICE!! Location, Location, Location! Enjoy the best of both worlds with this beautiful home—nestled in a quiet, peaceful neighborhood yet just minutes from everything Cullman has to offer…downtown, restaurants, shopping and just minutes to the hospital. Welcome to Hidden Lake! This spacious 4-bedroom, 2-bath home blends comfort, convenience, and versatility in one of Cullman’s most desirable areas. The thoughtfully designed layout provides ample space for everyday living, whether you need room for family, guests, a home office, or hobbies. Step outside and take in the serene surroundings just a short walk to lake access (boat launch is just down the road) while still being close to shopping, dining, schools, and more. It’s the perfect balance of country charm and in-town accessibility. Bonus: With an acceptable offer, most furnishings—including the hot tub—can remain, making this an easy, move-in-ready opportunity you won’t want to miss!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

9/10
Welti Elementary SchoolGrades PK-52.4 mi
6/10
6/10
Holly Pond High SchoolGrades 9-128.5 mi

Construction

Condition

  • Year built: 2009

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Oven,Refrigerator,Washer

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 4

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,990

Interior Area

  • Total structure area: 1,990
  • Total interior livable area: 1,990 sqft

Property

Details

  • Parcel number: 1604170001017.072
  • Zoning: None

Lot

  • Lot size: 0.40 Acres
  • Lot size dimensions: 100 x 155

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado

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 $1,592$19,104
Home Insurance *$245$2,940
Property Taxes $638$7,656
Electricity $240$2,881
Total$2,715$32,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,085/yr
40% on housing$81,450/yr
45% on housing$72,400/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 9.5%
9.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 35055$134
Cullman County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 35055$143
Cullman County$151

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
2026-05-01Price change$320,000
2026-04-07Listed for sale$325,000
2022-04-29Sold$220,000
2022-04-13Pending sale$220,000
2022-03-17Listing removed--
2022-03-14Listed for sale$220,000
2021-06-22Listing removed--
2021-04-08Price change$214,500
2021-03-11Price change$215,000
2021-03-05Listed for sale$220,000
2019-06-11Sold$179,900
2008-08-29Sold$14,000

For Sale by Agent

AgentLara Jesse
BrokerageDoyle Real Estate Agency Inc

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