624 Sipsey Rock Rd, Crane Hill, AL, 35053
About This Home
Smith Lake (Rock Creek) A special opportunity in a premium location. This single owner dream home sprawls over 3 waterfront lots on our stunning Rock Creek. From the moment you walk in, you are greeted with an expansive wall of windows. Designed for hosting and entertaining, this home has so many areas to enjoy. The kitchen overlooks the lake with a Viking range, eat in bar, etc. This space flows into a large dining area greeted with a fireplace. For outdoor entertaining, you have many deck areas and an outdoor kitchen. The home is named "High Cotton" and is truly a landmark on the Lake. Built to stand the test of time with elegant and functional design. This residence commands attention whether you are hosting indoors or out. The guest house has 2BR/1.5BA, safe area, and garage. Ideal for rental income. One of the bedrooms is currently being used as an art studio. The guest suite has a lovely lakeside balcony to capture those views. On the lake, you have a main boat dock with a cool bar area and a secondary swimming dock at the guest house. It is rare that one property has the opportunity to have two floating docks! Absolutely one of a kind, special, and unique. This has always been a full time residence with impeccable care over the years. Come take a look!
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Existing Structure
- Year built: 2004
Materials
- Roof: Shingle
- Construction materials: Brick,Frame,Drywall
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Range,Range Hood,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3.5
Features
- Flooring: Marble,Tile,Wood
- Fireplace features: Propane
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 4,217
- Total interior livable area: 4,217 sqft
Property
Details
- Parcel number: 672006140200019002
- Zoning: No Zoning
Features
- Stories: 2
- Patio & porch: Deck
- Exterior features: Rain Gutters
- On waterfront: Yes
- Waterfront features: Lake Front,Boat Lift,Swim Platform,Waterfront Features: Shoreline(Year Round Water),Waterfront Features: Characteristics(Gentle)
- Waterbody name: Rock Creek
- Frontage length: Waterfront Footage(318.8+/-)
Lot
- Lot size: 1.60 Acres
- Lot size dimensions: 1.6
Parking
- Total spaces: 3
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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 | $9,096 | $109,152 |
| Home Insurance * | $930 | $11,160 |
| Property Taxes | $314 | $3,768 |
| Electricity | $471 | $5,662 |
| Total | $10,811 | $129,732 |
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 |
|---|---|---|
| 2026-07-18 | Listed for sale | $1,799,000 |
| 2026-07-01 | Listing removed | $1,899,000 |
| 2025-11-01 | Listed for sale | $1,899,000 |
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