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195 John Smith Dr, Deatsville, AL, 36022

4beds
3baths
2,405sqft
$635,000
$264price/sqft
$4,020/moest. monthly cost
$160,800/yrincome needed

About This Home

Welcome Home to your beautiful log cabin situated on over an acre on the Holtville side of Lake Jordan! Tucked away in a quiet, peaceful setting, this fully furnished home is ready for you to start enjoying lake life from day one. Step inside to an open-concept kitchen and living area featuring vaulted ceilings, abundant natural light, and a stunning stone wood-burning fireplace that creates the perfect gathering space. The kitchen offers ample cabinet and countertop space, along with a breakfast bar for casual meals or entertaining by the fire. Just off the main living area, you’ll find a spacious full bathroom with a walk-in shower and access to a covered porch overlooking the serene lake—perfect for morning coffee or evening relaxation on the wraparound porch. The home offers a thoughtfully designed layout with one bedroom on the main level, two additional bedrooms on the lower level, and a private loft en suite complete with its own balcony overlooking the water. The lower level is designed with entertaining in mind, featuring a wet bar, a stunning stone wood-burning fireplace, and a spacious game room complete with a pool table. A conveniently located half bath offers easy access from the lake. Step outside onto the open deck—an ideal space for sunbathing, hosting gatherings, or simply relaxing by the water. From there, take the stairs down to the pier, a perfect spot for soaking up the sun or unwinding with a good book. The pier also provides room for a boat, allowing for quick lake adventures. The outdoor space is equally inviting, featuring a charming fire pit area perfect for cool evenings and a detached storage building ideal for a workshop. A circular drive provides ample parking, offering both convenience and ease for guests. Whether you’re seeking a peaceful weekend getaway or a place to call home all year long, this charming cabin embodies the true spirit of lakefront living. Call me for a private showing today to make this dream home yours!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

10/10
7/10
Holtville Middle SchoolGrades 5-81.7 mi
6/10
Holtville High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Basement
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level
  • Property subType: Multi Family,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Refrigerator,Smooth Cooktop

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Wet Bar,Garden Tub/Roman Tub,Separate Shower,Breakfast Bar
  • Flooring: Carpet,Concrete,Plank,Tile,Vinyl
  • Fireplace features: Multiple,Outside
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Multiple Heating Units
  • Cooling features: Multi Units

Interior Area

  • Total interior livable area: 2,405 sqft

Other

  • Level: First

Property

Details

  • Parcel number: 14010100020500000

Features

  • Levels: Three Or More
  • Pool features: None
  • Patio & porch: Balcony,Covered,Deck,Patio,Porch
  • Exterior features: Balcony,Covered Patio,Deck,Porch,Patio,Storage
  • On waterfront: Yes
  • Waterfront features: Lake Front,Water Access
  • Frontage type: Waterfront

Lot

  • Lot size: 1.28 Acres
  • Features: Outside City Limits,Mature Trees
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Detached Carport,Driveway
  • 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

  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Heat Wave
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters Across Alabama Counties

Flood
Hurricane
Severe Storm
Straight Line Winds
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 $3,210$38,520
Home Insurance *$409$4,908
Property Taxes $132$1,584
Electricity $269$3,229
Total$4,020$48,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,828/yr
40% on housing$120,600/yr
45% on housing$107,200/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$264This listing

vs Other Active Listings

Avg $/sqft

ZIP 36022$147
Elmore County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 36022$160
Elmore County$157

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
2026-04-25Listed for sale$650,000

For Sale by Agent

AgentMegin Payton
BrokerageHomesouth Realty Group, LLC.

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