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118 County Road 123, Crane Hill, AL, 35053

5beds
6baths
5,200sqft
$1,650,000
$317price/sqft
$13,107/moest. monthly cost
$524,280/yrincome needed

About This Home

Smith Lake / Crane Hill - REDUCED and the Location of Lakeshore West without the HOA! An ideal lake property & truly ready for immediate enjoyment! Positioned on a gently sloped lot within a private cove just seconds from the Main Channel, this custom-built home features three levels of living space designed for entertaining, including soaring ceilings on the main level, guest quarters upstairs, and a lower level with a recreation room, kitchen space a 2nd laundry. Offering 5 bedrooms, 6 baths, and sold furnished; this home is located conveniently by water just across from Duskin Point Marina and a short distance from Trident Marina and Grille. You'll love spending time on the expansive porches that span the Lake side of the home on both the main & lower level that leads to the outdoor kitchen. This home truly checks all the boxes and we have yet to approach the Dock. As the Maximum size allowed on Smith Lake, this 2 Level dock offers Double Slips with each slip offering a lift and a Touchless Boat Cover, 2 PWC Ports. Also offering a Swim Pier, Sundeck and Canopy - this dock truly is prime outdoor living space.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

9/10
5/10
Cold Springs High SchoolGrades 9-125.9 mi
7/10
Harmony SchoolGrades PK-811.5 mi

Construction

Condition

  • Property condition: Existing Structure
  • Year built: 2010

Materials

  • Roof: Metal
  • Construction materials: Block,Frame,HardiPlank Type,Drywall

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Range Hood,Refrigerator,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6

Features

  • Flooring: Tile,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,200
  • Total interior livable area: 5,200 sqft

Property

Details

  • Parcel number: 2906230000001012
  • Zoning: _

Features

  • Stories: 2
  • Patio & porch: Covered,Covered Patio,Patio,Porch
  • Exterior features: Rain Gutters,Boat Slip
  • On waterfront: Yes
  • Waterfront features: Lake Front,Boat Lift,PWC Lift/Float,Swim Platform,Waterfront Features: Shoreline(Year Round Water),Waterfront Features: Characteristics(Gentle)
  • Waterbody name: Main Channel
  • Frontage length: Waterfront Footage(174)

Lot

  • Lot size: 0.75 Acres

Parking

  • Parking features: Parking Pad
  • Has uncovered spaces: Yes

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 $8,343$100,116
Home Insurance *$853$10,236
Property Taxes $3,330$39,960
Electricity $581$6,982
Total$13,107$157,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$449,382/yr
40% on housing$393,210/yr
45% on housing$349,520/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

$317This listing

vs Other Active Listings

Avg $/sqft

ZIP 35053$293
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
2026-02-03Price change$1,750,000
2025-09-11Price change$1,999,999
2025-06-26Price change$2,199,000
2025-06-02Listed for sale$2,399,000
2025-05-29Listing removed$2,399,000
2025-05-17Price change$2,399,000
2025-05-10Price change$2,699,000
2024-12-03Listed for sale$2,799,000
2012-10-30Sold$499,000

For Sale by Agent

AgentBrian Glenn
BrokerageJoseph Carter Realty

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