969 Raccoon Creek Rd, Jasper, AL, 35504
About This Home
Smith Lake/Raccoon Creek-Rare find on the Jasper side! This spacious 5BR/3.5BA home rests on nearly 3 private acres with zero steps to the water. Nestled in a quiet cove ideal for paddleboarding, or a quiet evening dip in the lake. It offers abundant storage that would be ideal for a full time resident with attached 2 car garage This home is being offered fully furnished and move in ready! This beautiful Craftsman-style lake home combines quality craftsmanship with a thoughtfully designed floor plan. The open-concept main level is anchored by an impressive fireplace crafted with stone from Lookout Mountain. Custom wormhole poplar ceilings add warmth and character to the living area and continue onto the spacious back porch. The kitchen features custom cabinetry with adjustable shelving, and pull out drawers, a stone backsplash and granite countertops. The lake-view primary suite offers a spa-like bath with a large porcelain-tile shower, soaking tub, and a generous walk-in closet. Three additional bedrooms and two full baths are located on the main level, while the upstairs 5th bedroom/ bonus room has a newly added half bath. Beautiful hickory hardwood flooring completes the interior. Situated on approximately 2.96+- acres with over 500feet of waterfront, the property offers a gentle, zero-step walk to a double-slip boathouse on year-round water. Conveniently located on the Walker County side of Smith Lake, with easy access to shopping, doctors and great paved roads that will take you back to the interstates and back home!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Existing Structure,Excellent
- Year built: 2019
Materials
- Roof: Shingle
- Construction materials: Frame,Masonry Siding,Vinyl Siding,Drywall
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3.5
Features
- Flooring: Tile,Wood
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 3,876
- Total interior livable area: 3,876 sqft
Property
Details
- Parcel number: 02052100010250070
- Zoning: _
Features
- Stories: 2
- Patio & porch: Porch
- Exterior features: Boat Slip
- On waterfront: Yes
- Waterfront features: Lake Front,Boat Lift,Swim Platform,Waterfront Features: Shoreline(Year Round Water),Waterfront Features: Characteristics(Very Gentle)
- Waterbody name: Raccoon Creek
- Frontage length: Waterfront Footage(516)
Lot
- Lot size: 2.96 Acres
Parking
- Total spaces: 2
- Parking features: Attached
- 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
- Inland Flooding
- Lightning
- Strong Wind
- Heat Wave
- Winter Weather
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 | $5,941 | $71,292 |
| Home Insurance * | $1,220 | $14,640 |
| Property Taxes | $1,841 | $22,092 |
| Electricity | $433 | $5,204 |
| Total | $9,435 | $113,220 |
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 |
|---|---|---|
| 2026-08-17 | Contingent | $1,175,000 |
| 2026-07-17 | Listed for sale | $1,175,000 |
| 2023-11-28 | Sold | $935,000 |
| 2023-11-09 | Contingent | $975,000 |
| 2023-09-20 | Price change | $975,000 |
| 2023-08-23 | Price change | $1,165,000 |
| 2023-07-14 | Listed for sale | $1,190,000 |
For Sale by Agent
View on Zillow