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About This Home

This 3-bedroom, 2-bathroom single family at 389 COUNTY ROAD 286 in Cullman, AL is listed for $744,900. Built in 1972, on a 1.00 acres lot.

Agent Description

LAKE DAYS JUST GOT AN UPGRADE—this is the kind of place everyone ends up gathering! Tucked in a slough w/views of big water, this waterfront retreat offers 172+/- ft of shoreline & a gently sloping lot for easy, no-hassle access to the lake. Cruise, swim, fish or launch straight from your private one-slip boat dock & boat ramp—this is true convenience.

The screened porch becomes your go-to hangout for game days, late-night laughs & unwinding after a full day. Inside, the updated Kit. w/ island, a 6-burner gas range with an electric oven, new cabinets & SS appl opens to a spacious living area built for entertaining.

Main lvl living has all hardwood flooring + a large lower-level den gives you room to spread out & could easily be used for a 4th BR/Den. Plantation Shutters thru-out. Outside, enjoy a gazebo, picnic area & a 3-car detached garage for boats, gear & toys, all sitting on an acre. Perfect as a weekend getaway or full-time lake escape near Birmingham, Huntsville & Nashville.

Key Features

  • Built in 1972
  • 1.00 acre lot
  • Fireplace
  • Waterfront

Property Details

1 story
2 full
1972

Amenities

FireplaceWaterfrontViewHardwoodBasementRV Parking

Monthly Cost Estimate

$3,984/mo

20% down · 6.5% · 30 years

Principal$539
Interest$3,228
Insurance$217

Estimates only. Actual payments may vary.

Location

389 COUNTY ROAD 286

Cullman, AL 35057

Smith Lake

Features & Amenities

Interior Features

Separate ShowerTub/Shower ComboFrench Doors

Exterior Features

Fenced YardGazeboDeck

Property Details

Flooring

CarpetHardwoodTile

Views

LakeWater

Parking

BoatDriveway

Heating

CentralElectric (Heating)Fireplace(s)Heat Pump (Heating)

Cooling

Central Air

Appliances

CooktopCooktop - GasDishwasherMicrowaveRefrigeratorWasher

Questions & Answers

This 3-bedroom, 2-bathroom single family at 389 COUNTY ROAD 286 is listed at $744,900. The estimated monthly payment is $3,228 based on 20% down at 6.5% interest.

Key features include: Built in 1972, 1.00 acre lot, Fireplace, Waterfront. Interior Features: Separate Shower, Tub/Shower Combo, French Doors. Exterior Features: Fenced Yard, Gazebo, Deck.

This property is listed by Cathy O'Berry and can be reached at 2059698910 or cathyoberry@gmail.com.

CO

Cathy O'Berry

Agent at ARC Realty - Hoover

(205) 969-8910

Listed by ARC Realty - Hoover · View on Broker Site

MLS# 21448899· Source: listhub· Updated 58 days ago

Copyright © 2026 Greater Alabama MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

389 COUNTY ROAD 286, Cullman, AL 35057

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