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108 County Road 3142, Houston, AL, 35572

2beds
1baths
952sqft
$319,900
$336price/sqft
$2,125/moest. monthly cost
$85,000/yrincome needed

About This Home

Motivated Seller!!!! Escape to your own slice of paradise with this charming 2-bedroom, 1-bathroom lakefront cabin that proves luxury doesn't have to break the bank. Nestled on 952 square feet of thoughtfully designed living space, this custom-built retreat showcases stunning tongue and groove interior work paired with rustic cedar siding that seamlessly blends with the natural surroundings. The magic begins the moment you pass through the private gated entry into a wooded wonderland dotted with gorgeous rock formations. This isn't just any lakefront property - it's your front-row seat to Smith Lake's most breathtaking sunset views, visible from both upper and lower decks that seem to float above the water. Location matters, and this cabin delivers in spades. Tucked away in a peaceful cove, you'll enjoy tranquil mornings without the hustle and bustle of heavy boat traffic. The property includes a 2-slip boat dock complete with a swim pier, making it effortless to dive into lake life literally and figuratively. Whether you're sipping morning coffee while watching the mist rise off the water or hosting evening gatherings as the sun paints the sky in brilliant oranges and pinks, this cabin offers the perfect backdrop for creating lasting memories. The combination of privacy, natural beauty, and water access creates an ideal retreat for weekend getaways or year-round living. With convenient access to Houston boat ramp just minutes away, you'll have everything needed to fully embrace the lake lifestyle. This is more than a home - it's your personal sanctuary where every day feels like vacation.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Addison Elementary SchoolGrades PK-68.8 mi
7/10
Addison High SchoolGrades 7-128.8 mi

Construction

Condition

  • Property condition: Existing Structure,Good

Materials

  • Roof: Metal
  • Construction materials: Frame,Cedar,Wood Walls

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Daylight

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Features

  • Flooring: Partial Carpet,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Wall Unit(s)

Interior Area

  • Total structure area: 952
  • Total interior livable area: 952 sqft

Property

Details

  • Parcel number: 671202100200010006
  • Zoning: _

Features

  • Stories: 2
  • Patio & porch: Covered,Covered Patio,Patio,Porch
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Features: Shoreline(Year Round Water),Waterfront Features: Characteristics(Gentle to Bluff)
  • Waterbody name: Yellow Creek
  • Frontage length: Waterfront Footage(100'')

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

  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Cold Wave
Lightning
Strong Wind
Heat Wave
Landslide

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 $1,617$19,404
Home Insurance *$213$2,556
Property Taxes $55$660
Electricity $240$2,881
Total$2,125$25,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,857/yr
40% on housing$63,750/yr
45% on housing$56,666/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$336This listing

vs Other Active Listings

Avg $/sqft

ZIP 35572$213
Winston County$217

vs Homes Sold Last Month

Median $/sqft

ZIP 35572
Winston County$187

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
2026-03-31Price change$419,900
2026-01-20Price change$439,900
2025-10-30Price change$374,000
2025-09-14Price change$374,900
2025-09-05Price change$389,900
2025-08-24Price change$399,000
2025-08-15Price change$415,000
2025-08-01Price change$437,400
2025-07-21Listed for sale$439,900
2024-06-05Listing removed--
2023-12-31Listed for sale$399,000
2020-05-22Sold$140,000
2019-01-25Listing removed$169,000
2018-05-30Listed for sale$169,000

For Sale by Agent

AgentKimberly Kilpatrick
BrokerageJoseph Carter Realty

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