157 County Road 3941, Arley, AL, 35541
About This Home
Bear Branch | Just in time for summertime, this turn-key and fully furnished home on Smith Lake is perfectly set up for personal enjoyment or immediate rental potential. Offering sleeping accommodations for up to 16, the home is uniquely designed as two complete living spaces in one. Each level features its own primary suite, full kitchen, living area, and laundry, providing flexibility and privacy for large groups or multiple households. Situated on approximately 1.5± private acres with a long, tree lined driveway, the property offers 195' of shoreline with a gentle walk to the water. Enjoy lake views from the open and partially screened deck, ideal for relaxing or entertaining. The private single slip dock is located in a quiet slough and includes a swim platform, making it perfect for swimming and lake enjoyment in a low traffic area. Tucked away yet convenient to Arley, this property offers the ideal combination of privacy, space, and functionality on Smith Lake.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Existing Structure,Good
- Year built: 2008
Materials
- Roof: Shingle
- Construction materials: Brick Veneer
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Daylight,Exterior Entry,Finished,Interior Entry,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
Features
- Flooring: Partial Carpet,Tile,Wood
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 4,379
- Total interior livable area: 4,379 sqft
Property
Details
- Parcel number: 672002100200008015
- Zoning: _
Features
- Stories: 3
- Patio & porch: Covered,Deck,Screened
- On waterfront: Yes
- Waterfront features: Lake Front,Swim Platform,Waterfront Features: Shoreline(Part Seasnl/Part YR),Waterfront Features: Characteristics(Gentle)
- Waterbody name: Bear Branch
- Frontage length: Waterfront Footage(195')
Lot
- Lot size: 1.50 Acres
- Features: Wooded
Parking
- Total spaces: 2
- Parking features: Attached
- 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 | $5,815 | $69,780 |
| Home Insurance * | $848 | $10,176 |
| Property Taxes | $201 | $2,412 |
| Electricity | $489 | $5,879 |
| Total | $7,353 | $88,236 |
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 |
|---|---|---|
| 2026-04-26 | Price change | $1,195,000 |
| 2026-04-25 | Price change | $1,245,000 |
| 2026-04-24 | Price change | $1,195,000 |
| 2026-04-01 | Price change | $1,245,000 |
| 2026-02-02 | Listed for sale | $1,275,000 |
| 2020-04-13 | Sold | $470,000 |
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