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155 County Road 232, Crane Hill, AL, 35053

4beds
3.5baths
3,400sqft
$649,900
$191price/sqft
$4,115/moest. monthly cost
$164,600/yrincome needed

About This Home

Located on the shores of beautiful Smith Lake, this waterfront ''Finisher-Upper'' offers an incredible opportunity to create the lake home you've always wanted. With approximately 3,500 square feet of potential living area, the possibilities are endless for transforming this property into a stunning full-time residence, weekend getaway, or vacation rental investment. Currently, around 900 sq ft is usable living space, providing a place to enjoy while completing your vision. The property also includes approximately 900 square feet of garage space, perfect for boat storage, vehicles, workshop space, or future expansion. This property features an aluminum low maintenance dock and a Hydrohoist boat lift. The owners are even willing to let the boat go with the home and throw in all of the life jackets, floats, and outdoor furniture. Major improvements have already been started with a brand-new roof and spacious new decks overlooking the water. Enjoy peaceful lake views, direct water access, and the chance to customize this property into a one-of-a-kind waterfront retreat. Home is being sold As-Is, and it comes with a ton of materials to help complete the construction.

Getting Around

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

Schools

9/10
Meek Elementary SchoolGrades PK-46.9 mi
6/10
Meek High SchoolGrades 5-127.0 mi

Construction

Condition

  • Property condition: Existing Structure

Materials

  • Roof: Shingle
  • Construction materials: Frame,Wood Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3.5

Interior Area

  • Total structure area: 3,400
  • Total interior livable area: 3,400 sqft

Property

Details

  • Parcel number: 672001120201034000
  • Zoning: _

Features

  • Stories: 2
  • Patio & porch: Covered,Covered Patio,Deck,Porch
  • On waterfront: Yes
  • Waterfront features: Lake Front,Boat Lift,Swim Platform
  • Waterbody name: Rock Creek

Lot

  • Lot size: 0.70 Acres
  • Features: Wooded

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Tornado
Cold Wave
Strong Wind

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 $3,286$39,432
Home Insurance *$336$4,032
Property Taxes $113$1,356
Electricity $380$4,565
Total$4,115$49,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,085/yr
40% on housing$123,450/yr
45% on housing$109,733/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

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 35053$296
Winston County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 35053$419
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
2026-07-24Listed for sale$649,900
2026-07-14Listing removed$699,900
2026-05-16Listed for sale$699,900
2006-08-10Sold$235,000
2004-05-26Sold$108,500

For Sale by Agent

AgentLee McKibben
BrokerageNuwave Realty

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