190 Albert Rd, Lincoln, AL, 35096
About This Home
Enjoy year-round water and panoramic lake views from this beautifully remodeled waterfront retreat designed for relaxing and entertaining. This spacious home features 4 bedrooms, 3 baths, vaulted ceilings, a wood-burning fireplace, great room, dining/rec room, Florida room, laundry room, and walk-in closets throughout. The updated kitchen offers Silestone and granite countertops, breakfast bar, and designer finishes. The primary suite includes floating vanities and a handicap-accessible shower. Outside, enjoy your own private oasis with an in-ground saltwater pool, cabana, two decks, and stunning lake views. Boating and fishing are easy with a private dock, boat lift, and slip. Additional features include double-pane windows, metal roof, sunroom, open balcony, and double garage. This rare lakefront property combines comfort, style, and resort-like amenities in one incredible setting. Schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1995
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Microwave,Electric Oven,Refrigerator,Stainless Steel Appliance(s),Electric Water Heater
- Laundry features: Electric Dryer Hookup,Washer Hookup,Main Level,Laundry Room,Laundry (ROOM),Yes
Basement
- Area: 0
Basement
- Basement: Crawl Space
Bathroom1
- Level: First
Bedroom1
- Level: First
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Family Room
- Level: First
Features
- Recessed Lighting,Split Bedroom,Textured Walls,High Ceilings,Cathedral/Vaulted,Crown Molding,Separate Shower,Sitting Area in Master,Tub/Shower Combo,Walk-In Closet(s)
- Door features: Insulated Door
- Window features: Double Pane Windows
- Flooring: Carpet,Hardwood Under Carpet,Tile
- Number of fireplaces: 1
- Fireplace features: Gas Starter,Masonry,Great Room,Wood Burning
- Fireplace: Yes
- Attic: Walk-In,Yes
- Finished area below ground: 0
- Finished area above ground: 3,331
Heating & Cooling
- Heating features: Dual Systems (HEAT),Heat Pump
- Cooling features: Dual,Heat Pump,Ceiling Fan(s)
Interior Area
- Total interior livable area: 3,331 sqft
Kitchen
- Features: Breakfast Bar,Eat-in Kitchen
- Level: First
Master Bathroom
- Level: First
Master Bedroom
- Level: First
Property
Accessibility
- Accessibility features: Stall Shower
Details
- Parcel number: 0901110000061.000
- Special condition: N/A
Features
- Levels: 2+ story
- Private pool: Yes
- Pool features: In Ground,Salt Water,Private
- Patio & porch: Porch,Open (DECK),Deck
- Exterior features: Sprinkler System
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront
- Waterbody name: Choccolocco Creek
- Frontage length: 99
Lot
- Lot size: 1 Acres
- Features: Interior Lot,Few Trees,Subdivision
Parking
- Total spaces: 2
- Parking features: Detached,Driveway,Parking (MLVL),Garage Faces Side
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Tornado
- Cold Wave
- Inland Flooding
- Strong Wind
- Heat Wave
- Lightning
- Wildfire
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 | $4,550 | $54,600 |
| Home Insurance * | $681 | $8,172 |
| Property Taxes | $217 | $2,604 |
| Electricity | $372 | $4,472 |
| Total | $5,820 | $69,840 |
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 |
|---|---|---|
| 2026-05-18 | Listed for sale | $899,900 |
| 2015-10-20 | Listing removed | $549,900 |
| 2015-09-09 | Price change | $549,900 |
| 2015-03-30 | Listed for sale | $579,900 |
| 2014-11-20 | Listing removed | $579,900 |
| 2014-02-04 | Listed for sale | $579,900 |
| 2012-06-21 | Sold | $370,000 |
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