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For sale
  • Price cut: $50K (6/20)
    $499,000

    447 County Road 4028, Arley, AL 35541

    2beds
    1baths
    1,469sqft
    : 
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    Single Family Residence
    Built in 1993
    1 Acres Lot
    $469,700 Zestimate®
    $340/sqft
    $-- HOA

    What's special

    Deep year-round water
    Smith Lake (Rock Creek) - The perfect lake getaway with big views and endless potential! Situated on a spacious 1-acre lot with over 200 feet of waterfront, this property offers a rare combination of privacy, natural beauty, and room to grow. Enjoy unspoiled views of the Bankhead National Forest directly across the water, creating a peaceful, protected backdrop that will never be developed. This is what lake living is all about--gentle setting, serene surroundings, and deep year-round water. The property features a covered boathouse with swim pier, ideal for enjoying long summer days on Smith Lake. The home captures the charm of a true lake cottage, with plenty of opportunity to update, expand, or customize to your vision. Additional features include a detached garage and storage building, offering space for lake toys, equipment, or workshop use. Conveniently located near Arley and a public boat launch, this property is easily accessible while still offering a quiet, tucked-away feel. No HOA and no restrictions make this an excellent option for a vacation rental, weekend retreat, or full-time residence. If you've been looking for a classic Smith Lake property with acreage, waterfront, and incredible views--this is it! Call today to schedule your showing.
    97 days
    |
    1,102
    |
    70
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Justin Dyar 205-468-6375,

    Lake Homes Realty

    Source: Walker County Area MLS,MLS#: 26-689

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 1
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Microwave, Electric Range
      Features
      • Flooring: Tile, Wood
      • Has fireplace: No
      Interior area
      • Total structure area: 1,469
      • Total interior livable area: 1,469 sqft

      Property

      Parking
      • Total spaces: 3
      • Parking features: Detached
      • Garage spaces: 3
      Features
      • Stories: 1
      • Patio & porch: Covered, Screened
      • Exterior features: Boat Slip
      • On waterfront: Yes
      • Waterfront features: Lake Front, Swim Platform
      • Body of water: Rock Creek
      • Frontage length: Waterfront Footage(205+/-)
      Lot
      • Size: 1 Acres
      Details
      • Additional structures: Boat House
      • Parcel number: 671103050200022009
      • Zoning: No Zoning

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Cabin
      • Property subtype: Single Family Residence
      Materials
      • Frame, Vinyl Siding
      • Roof: Metal
      Condition
      • Existing Structure
      • New construction: No
      • Year built: 1993

      Utilities & green energy

      • Sewer: Septic Tank

      Community & HOA

      Community
      • Subdivision: Bluff Ridge
      HOA
      • Has HOA: No
      Location
      • Region: Arley

      Financial & listing details

      • Price per square foot: $340/sqft
      • Tax assessed value: $360,380
      • Annual tax amount: $1,038
      • Date on market: 4/3/2026

        Estimated market value

        $469,700

        $446,000 - $493,000

        $1,054/mo

        Price history

        DateEventPrice
        6/20/2026Price change$499,000-9.1%$340/sqft
        Source: Walker County Area MLS #26-689 Report a problem
        4/3/2026Listed for sale$549,000-4.5%$374/sqft
        Source: Walker County Area MLS #26-689 Report a problem
        1/17/2026Listing removed$575,000$391/sqft
        Source: Walker County Area MLS #25-2128 Report a problem
        11/16/2025Listed for sale$575,000$391/sqft
        Source: Walker County Area MLS #25-2128 Report a problem
        11/10/2025Contingent$575,000$391/sqft
        Source: Walker County Area MLS #25-2128 Report a problem
        10/22/2025Price change$575,000-7.1%$391/sqft
        Source: Walker County Area MLS #25-1461 Report a problem
        8/25/2025Price change$619,000-4.8%$421/sqft
        Source: Walker County Area MLS #25-1461 Report a problem
        7/18/2025Listed for sale$649,900+403.8%$442/sqft
        Source: Walker County Area MLS #25-1461 Report a problem
        7/27/2001Sold$129,000$88/sqft
        Source: Agent Provided Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$968 +6.6%$36,040 +6.3%
        2023$908 -45.3%$33,900 -42.9%
        2022$1,662 +8.2%$59,340 +8.2%
        2021$1,535 +10.1%$54,820 +10.1%
        2020$1,394 +5.6%$49,800 +5.6%
        2018$1,320 $47,160 -80%
        2017$1,320 +7.7%$235,760
        2016$1,226 $235,760 -1%
        2015$1,226 +5.3%$238,260 +6.4%
        2014$1,165 $223,980 -3.7%
        2013$1,165 +111.1%$232,580 +2.1%
        2011$552 +0.1%$227,840 +0.1%
        2010$551 -2.8%$227,720 -2.5%
        2009$567 $233,620

        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 35541

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: County
        • Middle: County
        • High: County

        Source: Walker County Area MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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