670 County Road 244, Cullman, AL, 35057
About This Home
Welcome to this charming 2-bedroom, 2-bath lake home nestled on approximately 0.7 acres along the desirable Ryan Creek area of Smith Lake. Perfectly Positioned to capture breathtaking, wide-angle water views, this property offers the ideal blend of relaxation, privacy and convenience-just minutes from I-65. Plenty of room on lower level to add another bedroom or bunk room, bistro kitchen on lower level for those late-night snacks, updated kitchen on main level, and plenty of parking for family and friends. Lots of outside viewing decks and places to sit and enjoy the Smith Lake vibe.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1992
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,180
Interior Area
- Total structure area: 2,180
- Total interior livable area: 2,180 sqft
Property
Details
- Parcel number: 2702030001012.067
- Zoning: R1
Features
- On waterfront: Yes
- Waterbody name: Smith Lake
Lot
- Lot size: 0.65 Acres
- Lot size dimensions: 83 x 318.26 x 77.68 x 341.85
Parking
- Total spaces: 2
- Parking features: Carport
- Covered spaces: 2
- Carport: Yes
- Carport spaces: 2
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Heat Wave
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Alabama Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,286 | $39,432 |
| Home Insurance * | $503 | $6,036 |
| Property Taxes | $904 | $10,848 |
| Electricity | $243 | $2,927 |
| Total | $4,936 | $59,232 |
Income You'd Need if You Spent...
Alabama FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-01 | Price change | $698,900 |
| 2026-03-27 | Listed for sale | $719,000 |
| 2014-11-26 | Sold | $250,000 |
| 2014-08-22 | Price change | $279,900 |
| 2014-06-11 | Price change | $299,900 |
| 2014-03-11 | Listed for sale | $309,900 |
| 2008-06-13 | Sold | $270,000 |
| 2005-08-04 | Sold | $190,500 |
For Sale by Agent
View on Zillow