$730,000

2499 Point Ln, Cullman, AL 64819

Sample listing

Bedrooms

Bathrooms

3,500

Square feet

100 ft

Shoreline

$7,300

Per shoreline ft

Sunset-facing lot, dock permit in hand on Smith Lake. Roughly 100 feet of owned shoreline on 3.03 acres, with 2 bedrooms across 3,500 square feet. No dock. Water clarity on Smith Lake averages around 20 feet and the lake is classified managed for water level. Dock and shoreline work fall under Alabama Power Shoreline Management. This is a sample listing used to demonstrate the platform.

Features

Whole-house generatorCovered slipDock power and waterWood stoveGentle slope to waterScreened porch

Property facts

Property typeCondo Year built1997 Lot size3.03 acres DockNo dock Water depth at dock18 ft ExposureEast-facing ViewSunset Annual taxes$11,059 HOA$45/mo Short-term rentalPermitted Listed2026-08-05

$6,584

All-in monthly

$166,770

Cash to close

$18,725

Costs beyond the obvious

Up front

Down payment	$146,000
Closing costs (est. 2.4%)	$17,520
Septic inspection & pump	$850
Water quality testing	$400
Waterfront home inspection	$800
Survey (shoreline frontage)	$1,200
Total	$166,770

Every year

Principal & interest	$46,155
Property taxes	$11,059
Hazard insurance	$3,066
Flood insurance	$2,400
HOA / POA dues	$540
Utilities	$4,725
Maintenance reserve (1.1%)	$8,030
Septic service	$520
Well & water testing	$260
Dock maintenance	$900
Winterization / seasonal close	$750
Shoreline / seawall reserve	$600
Total	$79,005

Adjust these assumptions →

$7,300

This home / shoreline ft

$6,061

Lake average

$209

Per square foot

Above the lake average — this property prices at $7,300 per shoreline foot against a lake average near $6,061, a difference of 20%. Shoreline frontage is the metric that drives waterfront value, and it is almost never published.

Open the analyzer →

Modeled from the lake's estimated nightly rate and occupancy. Confirm local short-term rental rules before you rely on this.

Booked nights / year155 Gross revenue$95,948 Lodging tax−$10,554 Management−$17,079 Cleaning & supplies−$21,052 Net operating income$47,263 Against annual carry$-31,742

Model your own →

6.6

Lake score

Water grade

10 ft

Drawdown

Level stabilityManaged Typical clarity20 ft Dock authorityAlabama Power Shoreline Management

Full Smith Lake report →