1195 Mon Dye Rd, Phil Campbell, AL, 35581
About This Home
Tucked away in a serene, natural setting along the Upper Bear Creek Lake, this extraordinary waterfront estate offers privacy, space, and timeless craftsmanship.The main residence features 5 spacious bedrooms, with a sixth bedroom option currently utilized as a home office, providing flexibility for growing families, guests, and remote work.The home includes 2.5 bathrooms and showcases beautiful architectural detail throughout, with expansive living areas designed for both comfort and entertaining. The impressive den features a stunning rock fireplace and built-in bar complete with ice machine and mini fridge. Located discreetly within the closet is a 4'x6' safe room offering an added layer of security and peace of mind. Large windows frame peaceful views of the water and surrounding wooded landscape, allowing natural light to fill the home. Metal Shingles offer superior durability and weather resistance. Energy efficient spray foam insulation throughout. HVAC systems updated within the last year. Complementing the main residence are a detached garage and an additional barn/workshop, idea for storage, hobbies, recreational equipment, or future customization. Multiple outdoor living spaces invite you to enjoy quiet mornings, host gatherings, or simply take in the tranquility of the waterfront setting. With gentle shoreline access, abundant privacy, and versatile interior and exterior spaces, this property offers a rare opportunity to enjoy a true retreat-style lifestyle without sacrificing functionality.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Existing Structure,Excellent
- Year built: 2010
Materials
- Roof: Metal,Shingle
- Construction materials: Frame,Masonry Siding,Drywall
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Ice Maker,Microwave,Electric Oven,Gas Range,Range Hood,Refrigerator,Electric Water Heater
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 3
Features
- Flooring: Partial Carpet,Tile,Wood
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 4,036
- Total interior livable area: 4,036 sqft
Property
Details
- Parcel number: 14072500000010020
- Zoning: _
Features
- Stories: 1
- Patio & porch: Covered,Porch
- Exterior features: Rain Gutters
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Features: Shoreline(YR/Deep Shoreline),Waterfront Features: Characteristics(Very Gentle)
- Frontage length: Waterfront Footage(753)
Lot
- Lot size: 2.85 Acres
- Features: 4 Parcels (Lots 1-4) 331407250000001.001.0 / 331407250000001.002.0 / 331407250000001.003.0 / 331407250000001004.0
Parking
- Total spaces: 2
- Parking features: Attached & Detached
- Has garage: Yes
- Attached garage spaces: 2
- Covered 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
- Tornado
- Cold Wave
- Lightning
- Earthquake
- Heat Wave
- Strong Wind
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 | $4,550 | $54,600 |
| Home Insurance * | $1,014 | $12,168 |
| Property Taxes | $208 | $2,496 |
| Electricity | $451 | $5,419 |
| Total | $6,223 | $74,676 |
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 |
|---|---|---|
| 2026-01-05 | Listed for sale | $999,999 |
| 2023-01-10 | Sold | $730,000 |
| 2023-01-10 | Pending sale | $739,900 |
| 2022-12-20 | Price change | $739,900 |
| 2022-09-19 | Price change | $799,900 |
| 2022-05-13 | Listed for sale | $845,000 |
| 2019-01-23 | Sold | $729,900 |
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