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97 County Road 80, Crane Hill, AL, 35053

4beds
2baths
2,300sqft
$649,000
$282price/sqft
$5,207/moest. monthly cost
$208,280/yrincome needed

About This Home

Smith Lake (Cullman Side) Situated on 3 beautiful lots totaling about 1.7 acres, you will find the ultimate home at Smith Lake! Just across from the water and within walking distance to Trident Marina, this property offers so much privacy and an unmatched location. Fully renovated and updated, this home is ready to enjoy. You will love the massive covered porch with a fireplace. What an ideal spot to relax really all year long. Recent updates include new flooring, full kitchen with stainless appliances, bathrooms, roof, and a full paint job. Attached is a 3 car garage with a massive unfinished space above. Rent a wet slip or dry stack spot at Trident Marina and make this your year round home or weekend retreat. This is one of the few properties where you can walk to dinner at Trident Grille. This is a quiet and peaceful setting with little traffic yet you are so close to all of Smith Lake! No HOA or fees. Only minutes from I-65. This location is certainly one that is perfect for year round living. A true Alabama Country setting in the midst of one of the Country's cleanest lakes!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

9/10
6/10
Cold Springs High SchoolGrades 9-123.4 mi

Construction

Condition

  • Property condition: Existing Structure
  • Year built: 1991

Materials

  • Roof: Shingle
  • Construction materials: Frame,Drywall

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Range Hood,Refrigerator

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Flooring: Carpet,Wood
  • Fireplace features: Propane
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,300
  • Total interior livable area: 2,300 sqft

Property

Details

  • Parcel number: 2802030001022004
  • Zoning: _

Features

  • Stories: 2
  • Patio & porch: Covered
  • Waterfront features: No - None

Lot

  • Lot size: 1.70 Acres

Parking

  • Total spaces: 3
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $3,281$39,372
Home Insurance *$335$4,020
Property Taxes $1,334$16,008
Electricity $257$3,088
Total$5,207$62,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,525/yr
40% on housing$156,210/yr
45% on housing$138,853/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

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 35053$294
Cullman County$189

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
2026-07-17Price change$649,000
2025-12-15Pending sale$269,000
2025-12-12Sold$250,000
2025-11-04Listed for sale$269,000

For Sale by Agent

AgentJustin Dyar
BrokerageLake Homes Realty

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