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190 Black Oak Dr, Smiths Station, AL, 36877

4beds
3baths
2,478sqft
$362,072
$146price/sqft
$2,455/moest. monthly cost
$98,200/yrincome needed

About This Home

Welcome to the Ezra B Front Load. This 1.5 story home has LVP throughout the main level. Primary suite and guest suite occupy the main level. Open concept living has the kitchen overlooking the great room and dining area. Stainless Steel appliances, black plumbing fixtures and sparkling white quartz counter-tops complete the look. Electric fireplace in Family room. Upstairs you will find 2 bedrooms, a giant media room and 1 full bath. Attached 2 car garage. FOR A LIMITED TIME: THE BUILDER IS OFFERING $12K CONCESSIONS and if you use a preferred lender additional concession may apply! Estimated completion is mid-September. Call us today to learn more!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

1/10
4/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Brick,Cement Siding

Other

  • Builder name: D. Erickson Homes LLC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Electric Appliances,Dishwasher,Electric Range,Microwave,Stove

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2

Features

  • Ceiling Fan(s),Kitchen Island,Primary Downstairs
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,478

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air,Electric,Heat Pump

Interior Area

  • Total interior livable area: 2,478 sqft

Other

  • Features: Fireplace

Property

Details

  • Parcel number: 43 14 09 30 0 000 535

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Fencing: None

Lot

  • Lot size: 7,405 sqft
  • Features: < 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Two Car Garage
  • 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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Lightning
Hail
Hurricane
Strong Wind
Tornado

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 $1,830$21,960
Home Insurance *$231$2,772
Property Taxes $117$1,404
Electricity $277$3,327
Total$2,455$29,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,171/yr
40% on housing$73,650/yr
45% on housing$65,466/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 36877$129
Lee County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 36877$165
Lee County$176

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
2026-05-26Listed for sale$362,072

New Construction

AgentROSE ANNE ERICKSON
BrokerageBICKERSTAFF PARHAM REAL ESTATE

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