40 Rachels Cir Lot 82, Houston, AL, 35572
About This Home
Welcome to The Cottages at Smith Lake, a gated luxury tiny home community offering modern lake living with resort-style amenities. Set on 50+ wooded acres with direct access to one of the cleanest lakes in the country, the community features stylish tiny homes with Urban Bronze exteriors, expansive decks, and paved walking trails. 40 Rachel's Circle features the Skyway plan which sleeps 6. Choose from six thoughtfully designed floor plans, with the Skyway plan offered on this lot. Residents enjoy a saltwater pool, pavilion, ponds, lakefront beach, community boat ramp, and boat slips- ideal for a weekend retreat, investment property, or full-time Smith Lake escape.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction,New
- New construction: Yes
Materials
- Roof: Metal
- Construction materials: Frame,HardiPlank Type,Drywall
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Oven,Electric Range,Washer,Electric Water Heater
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
Features
- Flooring: Vinyl
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 399
- Total interior livable area: 399 sqft
Property
Details
- Parcel number: 67 12 05 16 0 200 001.134
- Zoning: _
Features
- Stories: 1
- Patio & porch: Covered,Patio
- Waterfront features: Water Access Only
Parking
- Parking features: No Garage
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
- Tornado
- Cold Wave
- Lightning
- Strong Wind
- Heat Wave
- Landslide
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 | $2,017 | $24,204 |
| Home Insurance * | $265 | $3,180 |
| Property Taxes | $69 | $828 |
| Electricity | $240 | $2,881 |
| Total | $2,591 | $31,092 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Price change | $399,000 |
| 2025-11-26 | Price change | $449,900 |
| 2025-07-01 | Listed for sale | $519,900 |
View on Zillow