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398 County Road 340, Crane Hill, AL, 35053

3beds
2baths
1,396sqft
$399,900
$286price/sqft
$3,278/moest. monthly cost
$131,120/yrincome needed

About This Home

One of a kind rustic Smith Lake cabin sitting on secluded 6.9Ac+/-. You are going to love the setting of this classic lake style home featuring: 3bedrooms 2baths with original hardwood floors in lots of the home. Formal living room walks out to enclosed sunroom facing the lake. Galley kitchen flows into formal dining room or what could be an office/game room. Added on large family room has wood burning stove with brick accent just perfect for family gatherings. Hall bath recently update with walk in tile shower. Large covered front porch ready to be brought back to life for morning coffee. Level grounds, also has a workshop with lean-to storage. Adjacent Lake Front lot has private gate entrance with 129 ft of level ground in quite slough of Miller Flats (Major Millers) access through backyard/ across rd on Co Rd 341. This would make a perfect RV/ Camp Ground with common area at Lake or keep for family enjoyment. Unrestricted, close to Exit 305 Cullman as well as shopping/Grocery.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
Good Hope Primary SchoolGrades PK-26.9 mi
9/10
Good Hope Middle SchoolGrades 6-87.3 mi
4/10
Good Hope High SchoolGrades 9-127.3 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1960

Materials

  • Foundation: Block,Crawl Space
  • Roof: Composition
  • Construction materials: Block,Cedar,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Cottage
  • Property subType: Single Family Residence

Interior

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Features

  • Laminate Counters
  • Flooring: Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 1,396

Heating & Cooling

  • Heating features: Central,Wood,Wood Stove
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,396
  • Total interior livable area: 1,396 sqft

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 8664
  • Zoning: None

Features

  • Patio & porch: Covered,Enclosed,Front Porch,Rear Porch
  • Exterior features: Private Yard
  • Has view: Yes
  • View description: Lake,Rural
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake,Navigable-Seasonal
  • Waterbody name: Smith Lake

Lot

  • Lot size: 6.50 Acres
  • Features: Back Yard,Few Trees,Front Yard,Gentle Sloping,Private,Secluded
  • Lot size dimensions: 6.5 AC+/-

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Lightning

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 $2,022$24,264
Home Insurance *$206$2,472
Property Taxes $810$9,720
Electricity $240$2,881
Total$3,278$39,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,388/yr
40% on housing$98,340/yr
45% on housing$87,413/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

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 35053$296
Cullman County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 35053$419
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
2026-04-10Listed for sale$449,900
2026-04-08Listing removed$474,900
2025-06-28Price change$474,900
2025-05-24Price change$499,900
2025-04-09Price change$599,900
2025-03-17Price change$624,900
2025-02-22Listed for sale$649,900

For Sale by Agent

AgentWes Warren
BrokerageHappy Homes Real Estate

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