321 County Road 232, Crane Hill, AL, 35053
About This Home
Smith Lake (Rock Creek) One of the Smith Lake originals! A vintage cottage on perfect water! A lovely view and shoreline will amaze you. This 2BR/1BA cottage is near Rock Creek Marina and has some of the best water you can buy. Ready to renovate and update, or use it just like it is. An unfinished basement gives you plenty of space to expand or use for storage. A great price point to start enjoying the lake on excellent water! This would make an ideal rental investment. No HOA or rental restrictions.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Existing Structure
- Year built: 1980
Materials
- Roof: Shingle
- Construction materials: Block,Frame,Block Siding,Vinyl Siding,Drywall
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Electric Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Unfinished Basement
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
Interior Area
- Total structure area: 648
- Total interior livable area: 648 sqft
Property
Details
- Parcel number: 672001120201024000
- Zoning: _
Features
- Stories: 1
- Patio & porch: Deck,Porch
- On waterfront: Yes
- Waterfront features: Lake Front,Boat Lift,Swim Platform,Waterfront Features: Shoreline(Year Round Water),Waterfront Features: Characteristics(Moderate)
- Waterbody name: Rock Creek
- Frontage length: Waterfront Footage(110+/-)
Lot
- Lot size: 0.50 Acres
- Features: Wooded
Parking
- Total spaces: 1
- Parking features: Basement,Built/In Garage 1
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Lightning
- Tornado
- Cold 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 | $1,966 | $23,592 |
| Home Insurance * | $201 | $2,412 |
| Property Taxes | $68 | $816 |
| Electricity | $240 | $2,881 |
| Total | $2,475 | $29,700 |
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 |
|---|---|---|
| 2026-07-31 | Listed for sale | $389,000 |
| 2020-04-29 | Sold | $260,000 |
| 2005-07-18 | Sold | $156,000 |
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