241 County Road 4028, Arley, AL, 35541
About This Home
Smith Lake-Rock Creek, Unrestrcted Lot apporx 3/4 acre property offering 145 ft. of shoreline, deep year round water, low boat traffic. Directly across from beautiful Bankhead National forest. Features a 1Bed/1Bath Tiny Home (540 sq ft) open living area & a covered porch for enjoying nature. Enegy efficient with spray-foam insulation, heat pump, propane gas heater/fireplace. Fiber optic internet, Gas range w/double oven. 2 septic tanks (1 for current home and 1 for futrue build, close to water) 30 amp RV hookup w/water and sewer. Includes 24x28, 2 car garage w/power. 20x20 covered pavillion w/power. Enjoy lake days from a 33x30 aluminum dock w/swim pier, Jet ski port, solar system for dock. And only 29 steps. Ideal for weekend retreat or full time living. $485,000 Priced to Sell!!!!!
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Existing Structure,Excellent
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Gas Range,Refrigerator,Washer
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
Features
- Fireplace features: Propane
- Fireplace: Yes
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 540
- Total interior livable area: 540 sqft
Property
Details
- Parcel number: 671103050200022004
- Zoning: _
Features
- Stories: 1
- Patio & porch: Porch
- On waterfront: Yes
- Waterfront features: Lake Front,Swim Platform,Waterfront Features: Shoreline(Year Round Water),Waterfront Features: Characteristics(Moderate)
- Waterbody name: Rock Creek
- Frontage length: Waterfront Footage(145 feet shoreline)
Lot
- Features: Non-Restricted Lot Waterfront Lot.
Parking
- Total spaces: 2
- Parking features: Detached
- 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
- 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 | $2,351 | $28,212 |
| Home Insurance * | $343 | $4,116 |
| Property Taxes | $81 | $972 |
| Electricity | $240 | $2,881 |
| Total | $3,015 | $36,180 |
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 |
|---|---|---|
| 2026-03-30 | Price change | $485,000 |
| 2026-02-11 | Listed for sale | $522,500 |
| 2026-02-10 | Listing removed | $535,000 |
| 2025-11-14 | Price change | $535,000 |
| 2025-10-16 | Price change | $565,000 |
| 2025-10-03 | Listed for sale | $575,000 |
| 2025-08-19 | Contingent | $575,000 |
| 2025-08-09 | Listed for sale | $575,000 |
| 2019-08-30 | Sold | $90,000 |
For Sale by Agent
View on Zillow