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626 County Road 175, Crane Hill, AL, 35053

5beds
6baths
6,161sqft
$3,490,000
$566price/sqft
$20,751/moest. monthly cost
$830,040/yrincome needed

About This Home

Landmark estate on Lewis Smith Lake offering over 7,000+/- sq ft under roof, perfectly positioned on an irreplaceable lot with 1,000+ feet of pristine waterfront. This rare peninsula property provides both sweeping main channel views and a protected cove for your private dock-just steps from a beautiful, nearly level lakeside fire pit area. Designed for comfort and entertaining, the home features main-level living, with additional guest bedrooms and an expansive bunk room upstairs. Interior finishes include stone counters, full rock fire place, brazilian teak hardwood floors, wood ceilings, and custom wainscoting, creating a warm, timeless lake retreat. Additional highlights include a three-car garage, ample parking, and easy access to the water. A truly one-of-a-kind Smith Lake property. Call today for more details.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
5/10
Cold Springs High SchoolGrades 9-126.1 mi
7/10
Harmony SchoolGrades PK-812.5 mi

Construction

Condition

  • Property condition: Existing Structure,Good
  • Year built: 2005

Materials

  • Roof: Shingle
  • Construction materials: Frame,HardiPlank Type,Drywall,Wood Walls

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6

Cooling

  • Cooling features: Central Air

Features

  • Flooring: Marble,Tile,Wood
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Interior Area

  • Total structure area: 6,161
  • Total interior livable area: 6,161 sqft

Property

Details

  • Parcel number: 2907260000001020
  • Zoning: _

Features

  • Stories: 2
  • Patio & porch: Covered Patio
  • Exterior features: Boat Slip
  • On waterfront: Yes
  • Waterfront features: Lake Front,Swim Platform,Waterfront Features: Shoreline(YR/Deep Shoreline),Waterfront Features: Characteristics(Gentle)
  • Waterbody name: Main Channel
  • Frontage length: Waterfront Footage(1000)

Lot

  • Lot size: 1.86 Acres
  • Features: Wooded

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

  • 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 $17,647$211,764
Home Insurance *$1,805$21,660
Property Taxes $610$7,320
Electricity $689$8,272
Total$20,751$249,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$711,462/yr
40% on housing$622,530/yr
45% on housing$553,360/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

$566This listing

vs Other Active Listings

Avg $/sqft

ZIP 35053$288
Cullman County$188

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)

Price History

DateEventPrice
2026-03-25Listed for sale$3,490,000
2021-08-31Listing removed$2,100,000
2021-03-22Listed for sale$2,100,000

For Sale by Agent

AgentJoseph A Carter
BrokerageJoseph Carter Realty

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