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5339 County Road 22, Crane Hill, AL, 35053

4beds
3.5baths
2,660sqft
$2,799,000
$1,052price/sqft
$16,386/moest. monthly cost
$655,440/yrincome needed

About This Home

Smith Lake (Rock Creek) An unheard of opportunity to purchase an almost brand new lake home on over 32 acres. If you are looking for privacy, uniqueness, and high quality finishes, you must see this! Custom built over a creek bed flowing into the lake, this home commands attention while being tucked away in a private cove. Enjoy unbelievable privacy and splendor yet in a convenient location. Over 1000 feet of deep waterfront including both parcels of land. You have multiple additional building sites on the lakeside if future development is needed. You will pass through gorgeous pasture land and a pristine wooded preserve as you arrive at your very own lake retreat. Expertly crafted and well designed, this is certainly one of a kind. You have your very own private boat launch and a covered boathouse. The best of it all! The main level has a lovely screened porch and the kitchen has a stone wall behind the range. The master bath has a a custom shower enclosure and a door leading to an outdoor tub and double shower. On the upper deck is a fireplace and terrace ideal for cool fall evenings as you overlook the deep water cove. All of this only about 30 minutes from Cullman and 10 minutes to Trident Marina and Grille by road. A paved road leads you right up to the driveway which is only used by you! Come see today!

Getting Around

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

Schools

9/10
Meek Elementary SchoolGrades PK-45.8 mi
6/10
Meek High SchoolGrades 5-125.9 mi

Construction

Condition

  • Property condition: Existing Structure

Materials

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

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3.5

Features

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

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,660
  • Total interior livable area: 2,660 sqft

Property

Details

  • Zoning: No Zoning

Features

  • Stories: 3
  • Patio & porch: Covered,Covered Patio
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Features: Shoreline(Year Round Water)
  • Waterbody name: Rock Creek

Lot

  • Lot size: 32.70 Acres

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 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 $14,153$169,836
Home Insurance *$1,447$17,364
Property Taxes $489$5,868
Electricity $297$3,571
Total$16,386$196,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$561,805/yr
40% on housing$491,580/yr
45% on housing$436,960/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

$1,052This listing

vs Other Active Listings

Avg $/sqft

ZIP 35053$279
Winston County$198

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)

No zestimate history available

Price History

DateEventPrice
2026-05-13Listed for sale$2,799,000

For Sale by Agent

AgentJustin Dyar
BrokerageLake Homes Realty

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