$1,425,000
3060 Co Rd 369Cullman, AL 35057
Homes, condos and townhomes · MLS 11927896 · Listed 80 days ago (Aug 10, 2026)
Smith Lake · Lake or reservoir · Direct parcel frontage · Waterfront details
For sale: Listed and available according to the MyStateMLS feed.
About this property
A timeless Southern retreat on Smith Lake, designed for gathering, entertaining and generations of lake memories. This custom-built, one-owner home offers over 5,500 sq ft, 5 bedrooms, 3.5 baths and approximately 100 feet of waterfront. Soaring ceilings, expansive windows, abundant natural light, two fireplaces and multiple living areas provide exceptional space for family and guests. A finished basement adds even more room for recreation and relaxed lake living. Outside, enjoy peaceful water views from the screened porch and sunroom, then take the private tram directly to the water and your own boathouse. From quiet mornings overlooking the lake to afternoons on the water and evenings gathered with family and friends, this property was made for making memories. Located in a peaceful Smith Lake setting just 20 minutes from downtown Cullman and approximately 8 miles from I-65. A rare opportunity for a true lake retreat. Add'l parking potential option. Buyer verify items of importance.
Description provided by the listing brokerage.
MLS-reported waterfront
Waterfront details
The listing represents the offered parcel itself as adjoining the water. This is what the listing reports, not a survey or a title finding.
- Relationship to the water
- Direct parcel frontage
- Water type
- Lake or reservoir
- Water body
- Smith Lake (as reported)Name as reported by the listing (not matched to a mapped water body)
- Frontage length
- 100 ft (reported as "100'")
- Water access arrangement
- Not provided. Ask the listing agent.
- Docks, slips, lifts, moorings
- Dock reported
- Dock depth
- Not provided. Ask the listing agent.
- Shoreline
- Not provided. Ask the listing agent.
- Seasonal or tidal conditions
- Not provided. Ask the listing agent.
- Boating limits (bridges, depth, open-water access)
- Not provided. Ask the listing agent.
The listing reports a dock. It does not say whether the dock is private, shared or transferable, or what boats it fits.
Why this is listed as waterfront
WaterfrontYN“Yes”: The listing is marked waterfront.WaterfrontFeatures“Lake Front”: Includes a "… Front" value describing frontage.PropertyTypeDetail“house”: Property form used to read the frontage relationship.
Classified from fields in the MyStateMLS listing data. It has not been independently verified, and it is not a survey, title examination or legal determination of shoreline or access rights. Rules version 2026-10-29.1. How we classify waterfront
Something wrong with this classification? Report a waterfront classification issue. Questions about frontage, docks or access are best answered by Josh Rumble of NXCEL REALTY.
Facts
- List price
- $1,425,000
- Status
- For sale
- Property type
- House
- Bedrooms
- 5
- Full baths
- 3
- Half baths
- 1
- Interior area
- 5,534 sq ft
- Lot size
- 0.35 acres
- Year built
- 2000
- Stories
- 2
- Garage spaces
- 2
- County
- Cullman County
- MLS number
- 11927896
Facts are reported by the listing brokerage. Items not listed were not provided; that does not mean the property lacks them.
Features
Exterior
- Dock
Appliances
- Stainless Steel Appliance(s)
- Range
- Microwave
- Water Heater
- Refrigerator
- Disposal
- Dishwasher
Flooring
- Tile
- Hardwood
- Carpet
Basement
- Finished
Heating
- Forced Air
- Electric
Parking
- Driveway
Construction
- Vinyl Siding
- Shake Siding
- Brick
Roof
- Asphalt
Water
- Public (Water Source)
Sewer
- Septic Tank
Location
The pin is the listing's reported coordinates and may be approximate. It is not a parcel boundary or shoreline, and no flood, wetland or hazard conclusion should be drawn from it. See more listings in Cullman.
Price and status history
Changes observed by Waterfront Homes in MyStateMLS data since Oct 29, 2026. This is not a public-record sales history; MyStateMLS does not publish sold prices.
Estimate a monthly payment
Estimated monthly payment
$8,810 per month
An estimate for comparison only, not a loan offer or approval. Actual rates, taxes, insurance, PMI and fees depend on your lender, credit, location and loan program.
Questions to ask before you buy
Questions worth investigating for any waterfront property. They are not claims that this property has a problem or meets any condition.
- Who owns the shoreline and the land under the water, and are there easements or public-access rights along it?Ownership can stop at a high-water line, a survey line or a seawall. A title search and survey answer this, not the listing.
- Is a dock, slip, lift or mooring included, and do the rights transfer to you?Docks can be shared, leased, assigned by an association or held under a permit that does not automatically transfer.
- What permits exist for the dock, seawall or other shoreline structures, and what would new work require?Shoreline work is often regulated by local, state and federal agencies.
- How much does the water level change by season, by tide or by reservoir management?Depth at a dock in one season can differ a lot in another.
- What does flood insurance cost for this property, and what does the current flood map show?Get a quote from an insurer or agent. A flood zone is not a premium, and no zone does not mean no risk.
- What maintenance does the shoreline need (seawall, bulkhead, riprap, erosion), and what has been done recently?Shoreline structures are expensive to repair; ask for records and inspection reports.
- How are water, sewer or septic, and power provided?Waterfront septic systems and wells can have extra rules and inspections.
- How do you reach the property by road year-round, and who maintains that road?Some waterfront roads are private, seasonal or shared.
- What local rules apply: rentals, docks, boat lifts, fences, tree removal, setbacks?Rules come from the town, county, state, lake authority or association and vary widely.
Printable due-diligence checklist · Ownership budget planner · FEMA Flood Map Service Center (official flood maps; look up the address yourself)
Guides and next steps
Listing courtesy of NXCEL REALTY. Listing agent: Josh Rumble. Listings provided by MyStateMLS.
Listing last updated by the brokerage Aug 10, 2026, 7:12 PM UTC. Waterfront Homes last received MyStateMLS data Oct 29, 2026, 8:01 PM UTC. Information is deemed reliable but not guaranteed; verify all details with the listing agent.