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827 County Road 949, Crane Hill, AL, 35053

2beds
1baths
1,200sqft
$295,000
$246price/sqft
$1,934/moest. monthly cost
$77,360/yrincome needed

About This Home

Whether you're looking for a year round home, weekend retreat or investment property, this one may be the perfect fit. Freshly painted, 2Br, 1 bath, 1200 sq ft, sitting on 2.70 acres with a creek running through the back of property & into the Tip of Smith Lake. The water view & the sound are both extremely relaxing & can also be seen from the living room, master bed room & the huge back porch, Call today & schedule your private showing.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

9/10
5/10
Cold Springs High SchoolGrades 9-124.5 mi
7/10
Harmony SchoolGrades PK-87.0 mi

Construction

Condition

  • Year built: 2023

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bedroom

  • Features: 9’ Ceiling,Ceiling Fan(s),Laminate Floor,Smooth Ceiling
  • Level: First
  • Area: 196

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Fireplace features: None

Heating & Cooling

  • Heating features: Central 1,Electric
  • Cooling features: Central 1,Electric

Interior Area

  • Total interior livable area: 1,200 sqft

Kitchen

  • Features: 12’ Ceiling,Eat-in Kitchen,Kitchen Island,Laminate Floor,Marble,Pantry,Recessed Lighting,Smooth Ceiling,Vaulted Ceiling(s)
  • Level: First
  • Area: 154

Laundry Room

  • Features: 9’ Ceiling,Laminate Floor,Utility Sink
  • Level: First
  • Area: 60

Living Room

  • Features: 12’ Ceiling,Ceiling Fan(s),Laminate Floor,Recessed Lighting,Smooth Ceiling,Vaulted Ceiling(s)
  • Level: First
  • Area: 320

Master Bedroom

  • Features: 9’ Ceiling,Ceiling Fan(s),Laminate Floor,Smooth Ceiling
  • Level: First
  • Area: 156

Property

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterbody name: Smith Lake

Lot

  • Lot size: 2.70 Acres

Parking

  • Parking features: Driveway-Gravel

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 $1,491$17,892
Home Insurance *$152$1,824
Property Taxes $51$612
Electricity $240$2,881
Total$1,934$23,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,308/yr
40% on housing$58,020/yr
45% on housing$51,573/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

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 35053$297
Cullman County$190

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)

No zestimate history available

Price History

DateEventPrice
2026-04-03Price change$359,900
2026-03-31Listed for sale$499,000

For Sale by Agent

AgentGlenda Townsend
BrokerageLegend Realty Madison, LLC

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