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.
For sale
Price cut: $50K (6/20)
$499,000
447 County Road 4028, Arley, AL 35541
2beds
1baths
1,469sqft
Single Family Residence
Built in 1993
1 Acres Lot
$469,700 Zestimate®
$340/sqft
$-- HOA
What's special
Deep year-round water
- 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
| Date | Event | Price |
|---|---|---|
| 6/20/2026 | Price change | $499,000-9.1%$340/sqft |
Source: Walker County Area MLS #26-689 Report a problem | ||
| 4/3/2026 | Listed for sale | $549,000-4.5%$374/sqft |
Source: Walker County Area MLS #26-689 Report a problem | ||
| 1/17/2026 | Listing removed | $575,000$391/sqft |
Source: Walker County Area MLS #25-2128 Report a problem | ||
| 11/16/2025 | Listed for sale | $575,000$391/sqft |
Source: Walker County Area MLS #25-2128 Report a problem | ||
| 11/10/2025 | Contingent | $575,000$391/sqft |
Source: Walker County Area MLS #25-2128 Report a problem | ||
| 10/22/2025 | Price change | $575,000-7.1%$391/sqft |
Source: Walker County Area MLS #25-1461 Report a problem | ||
| 8/25/2025 | Price change | $619,000-4.8%$421/sqft |
Source: Walker County Area MLS #25-1461 Report a problem | ||
| 7/18/2025 | Listed for sale | $649,900+403.8%$442/sqft |
Source: Walker County Area MLS #25-1461 Report a problem | ||
| 7/27/2001 | Sold | $129,000$88/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
| Year | Property taxes | Tax 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 | $233,620 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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-DependentNearby schools
GreatSchools rating
- 6/10Meek High SchoolGrades: 5-12Distance: 3 mi
- 9/10Meek Elementary SchoolGrades: PK-4Distance: 3 mi
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.
A local agent can set up tours, give advice and negotiate with sellers.
- Alabama
- Winston County
- Arley
- 35541
- 447 County Road 4028







