NOT LISTED FOR SALE

Estimated Value: $343,000 - $463,434

3 Beds
2 Baths
2,001 Sq Ft
$205/Sq Ft Est. Value

Last Sold April 17, 2024

Last sale price $448,000 $224 Per Sq Ft

Est. 3% decrease in value since last sale

Current estimated payment $2,489/month

193 Days on Market

Highlights

  • Boathouse
  • 162 Feet of Waterfront
  • Private Dock
  • Shelby Elementary School Rated A-
  • Marina
  • Community Boat Slip

About This Home

As of April 2024

Welcome to your amazing lake house, with year around water, on the beautiful sought after Lay Lake!! This wonderful furnished 3 bedroom 2 bath lake home located on an incredible large level .64 acre lot, features 162’ of waterfront with a private boat house and dock with boat lift. Enjoy the wonderful morning and evening views of the lake from your large back deck. This spacious open floor plan with large great room and fireplace features luxury vinyl tile flooring throughout with carpet in the bedrooms. Open eat-in kitchen features a breakfast bar, granite countertops, smooth cooktop, built-in microwave, dishwasher, and refrigerator. And that is not all….. HOUSEHOLD FURNITURE INCLUDED, Storage Building/Workshop, New Insulated Windows, New Vinyl Siding, Additional Attic Insulation, New Deck Flooring & Handrails, and so much more…Don’t miss this one!!

Last Agent to Sell the Property

Rick Mosier

Keller Williams Realty Hoover Listed on: 09/14/2023

Keller Williams Realty Hoover

Last Buyer's Agent

Wesley Young

Keller Williams Homewood

Keller Williams Homewood

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,400

Year Built

  • Built in 1974

Lot Details

  • 0.64 Acre Lot
  • 162 Feet of Waterfront
  • Few Trees

Parking

  • 2 Car Garage
  • Garage on Main Level
  • Front Facing Garage
  • Circular Driveway

Home Design

  • Ridge Vents on the Roof
  • Vinyl Siding

Interior Spaces

  • 2,001 Sq Ft Home
  • 1-Story Property
  • Crown Molding
  • Smooth Ceilings
  • Ceiling Fan
  • Recessed Lighting
  • Wood Burning Fireplace
  • Double Pane Windows
  • Window Treatments
  • French Doors
  • Insulated Doors
  • Great Room with Fireplace
  • Combination Dining and Living Room
  • Lake Views
  • Crawl Space
  • Pull Down Stairs to Attic

Kitchen

  • Breakfast Bar
  • Electric Cooktop
  • Stove
  • Built-In Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Stone Countertops
  • Disposal

Flooring

  • Carpet
  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms
  • Bathtub and Shower Combination in Primary Bathroom
  • Separate Shower

Laundry

  • Laundry Room
  • Laundry on main level
  • Washer and Electric Dryer Hookup

Eco-Friendly Details

  • ENERGY STAR/CFL/LED Lights

Outdoor Features

  • Water Access
  • Swimming Allowed
  • Water Skiing Allowed
  • Boathouse
  • Private Dock
  • Deck
  • Exterior Lighting

Schools

  • Shelby Elementary School
  • Columbiana Middle School
  • Shelby County High School

Utilities

  • Central Heating and Cooling System
  • Heat Pump System
  • Electric Water Heater
  • Septic Tank

Listing and Financial Details

Community Details

Overview

  • $20 Other Monthly Fees

Recreation

  • Community Boat Slip
  • Community Boat Launch
  • Marina
  • Fishing

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,400

Year Built

Built in 1974

Lot Details

0

Parking

2

Listing Details

  • Class: RESIDENTIAL
  • Property Access: Paved Road, Public Road
  • Down Payment Assistance: Yes
  • Down Payment Assistance URL: https://www.workforce-resource.com/dpr/listing/GALMLS/21365243?w=PubMLS
  • Living Area: 2001
  • Legal Description: Lot 47 of Lacoosa Estates, as recorded in Map Book 5, Page 35, in the Office of Probate of Shelby County, Alabama
  • Dual or Variable Rate Commission: Yes
  • List Price per Sq Ft: 232.38
  • Number Levels: 1-Story
  • Property Type: Single Family
  • Termite Company Name: Alabama Professional
  • Termite Contract: Yes
  • Year Built Description: Existing
  • Year Built: 1974
  • Price Per Sq Ft: 223.89
  • Special Features: None
  • Property Sub Type: Detached
  • Year Built: 1974

Interior Features

  • Interior Amenities: French Doors, Recess Lighting
  • Fireplace Details: Tile (FIREPL)
  • Fireplace Location: Great Room (FIREPL)
  • Fireplace Type: Woodburning
  • Floors: Carpet, Tile Floor, Vinyl
  • Number Fireplaces: 1
  • Windows Treatments: All
  • Bedroom/Bathroom Features: Separate Shower, Shared Bath, Tub/Shower Combo
  • Bedrooms: 3
  • Full Bathrooms: 2
  • Total Bathrooms: 2
  • Concatenated Rooms: |GreatRoom1|Kitchen1|Living/Din1|MasterBR1|MasterBath1|Bedroom1|FullBath1|Bedroom1|Laundry1|
  • Room 1: Great Room, On Level: 1
  • Room 2: Kitchen, On Level: 1
  • Room 3: Living/Dining, On Level: 1
  • Room 4: Master Bedroom, On Level: 1
  • Room 5: Master Bath, On Level: 1
  • Room 6: Bedroom, On Level: 1
  • Room 7: Full Bath, On Level: 1
  • Room 8: Bedroom, On Level: 1
  • Room 9: Laundry, On Level: 1
  • Rooms Level 1: Bedroom (LVL 1), Full Bath (LVL 1), Great Room (LVL 1), Kitchen (LVL 1), Laundry (LVL 1), Living/Dining (LVL 1), Master Bath (LVL 1), Master Bedroom (LVL 1)
  • Kitchen Countertops: Stone (KIT)
  • Kitchen Equipment: Cooktop-Electric, Dishwasher Built-In, Disposal, Microwave Built-In, Refrigerator, Some Stainless Appl, Stove-Electric
  • Kitchen Features: Breakfast Bar, Eating Area
  • Laundry: Yes
  • Laundry Dryer Hookup: Dryer-Electric
  • Laundry Features: Washer Hookup
  • Laundry Location: Laundry (MLVL)
  • Laundry Space: Room
  • Attic: Yes
  • Attic Type: Pull-Down
  • Main Level Sq Ft: 2001

Exterior Features

  • Waterfront Name: LAY LAKE
  • Construction: Siding-Vinyl
  • Decks: Yes
  • Decks Type: Open (DECK)
  • Exterior Features: Boat House Private, Dock Private, Lighting System, Storage Building, Workshop (EXTR)
  • Foundation: Crawl Space
  • Waterfront: Yes
  • Waterfront Frontage: 162
  • Water Heater: Electric (WTRHTR)

Garage/Parking

  • Garage Entry Location: Front
  • Number Garage Spaces Main Lvl: 2
  • Number Total Garage Spaces: 2
  • Parking Features: Attached, Circular Drive, Detached, Driveway Parking, Parking (MLVL)

Utilities

  • Heating: Central (HEAT), Electric (HEAT), Heat Pump (HEAT)
  • Cooling: Central (COOL), Electric (COOL), Heat Pump (COOL)
  • Sewer/Septic System: Septic
  • Water: Public Water
  • HVAC Area: 2001

Condo/Co-op/Association

  • Amenities: Boat Launch, Boats-Motorized Allowed, Fishing, Marina, Skiing Allowed, Street Lights, Swimming Allowed, Boat Slip, Water Access

Fee Information

  • Garbage Fee: Yes
  • Garbage Fee Amount: 60
  • Garbage Fee Per: Quarterly

Schools

  • Elementary School: SHELBY
  • Middle School: COLUMBIANA
  • High School: SHELBY COUNTY

Lot Info

  • Assessor Parcel Number: 33-6-13-0-003-056.000
  • Lot Description: Some Trees, Subdivision
  • Lot View: Yes
  • Lot View Type: Lake/Water View
  • Number Acres: 0.64

Green Features

  • Energy Green Features: Ceiling Fans, Doub Paned Windows, Insulated Door, LED Lighting, Ridge Vent

Tax Info

  • Tax District: COUNTY
  • Annual Tax: 1400

MLS Schools

  • Elementary School: SHELBY
  • High School: SHELBY COUNTY
  • Jr Middle School: COLUMBIANA

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Sep 14, 2023
Closed on
Apr 17, 2024
Sold by
Miller James Dwight and Miller Mary Grover
Bought by
Ragland Carla Ann and Ragland Johnny Lee
Seller's Agent
Rick Mosier
Keller Williams Realty Hoover
Buyer's Agent
Wesley Young
Keller Williams Homewood
List Price
$475,000
Sold Price
$448,000
Premium/Discount to List
-$27,000
-5.68%
Views
371
Current Estimated Value
$433,457

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$14,543
Avg. Annual Appreciation
-3.62%
Original Mortgage
$398,000
Outstanding Balance
$393,863
Interest Rate
6.88%
Mortgage Type
New Conventional
Estimated Equity
$32,839

Purchase Details

Listed on
Aug 14, 2019
Closed on
Sep 12, 2019
Sold by
Thornton Bryon and Thornton Anna
Bought by
Miller James Dwight and Miller Mary Grover
Seller's Agent
Ross Blaising
ARC Realty Mountain Brook
Buyer's Agent
Rick Mosier
Keller Williams Realty Hoover
List Price
$299,000
Sold Price
$295,000
Premium/Discount to List
-$4,000
-1.34%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.51%
Original Mortgage
$265,500
Interest Rate
3.7%
Mortgage Type
New Conventional

Purchase Details

Listed on
Mar 23, 2015
Closed on
Apr 24, 2015
Sold by
Cottingham Danny L
Bought by
Thornton Bryon and Thornton Anna
Seller's Agent
Ross Blaising
ARC Realty Mountain Brook
Buyer's Agent
Ross Blaising
ARC Realty Mountain Brook
List Price
$227,000
Sold Price
$227,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.15%
Original Mortgage
$215,560
Interest Rate
3.79%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jun 29, 2004
Sold by
Nix Michael Craig
Bought by
Cottingham Danny L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$184,000
Interest Rate
5.65%
Mortgage Type
Unknown

Purchase Details

Closed on
Oct 1, 2003
Sold by
Boyd Wilbur F and Boyd Kathryn M
Bought by
Nix Michael Craig

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$217,550
Interest Rate
6.28%
Mortgage Type
Unknown

Purchase Details

Closed on
Jul 15, 1998
Sold by
Hussey Leo K and Hussey Judith C
Bought by
Boyd Wilbur F and Boyd Kathryn M

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$67,000
Interest Rate
7.02%

Purchase Details

Closed on
Feb 9, 1998
Sold by
Alexander Michael F and Alexander Dianne B
Bought by
Hussey Leo K and Hussey Judith C
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Ragland Carla Ann $448,000 None Listed On Document
Miller James Dwight $295,000 None Available
Thornton Bryon $227,000 None Available
Cottingham Danny L $230,000 --
Nix Michael Craig $217,500 --
Boyd Wilbur F $171,500 --
Hussey Leo K $155,000 Lawyers Title Insurance Corp
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Ragland Carla Ann $398,000
Previous Owner Miller James D $244,000
Previous Owner Miller James Dwight $265,500
Previous Owner Thornton Bryon $215,560
Previous Owner Cottingham Danny L $236,000
Previous Owner Cottingham Danny L $184,000
Previous Owner Nix Michael Craig $217,550
Previous Owner Boyd Wilbur F $67,000
Closed Cottingham Danny L $46,000
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
04/17/2024 04/17/24 Sold $448,000 -3.7% $224 / Sq Ft
11/27/2023 11/27/23 Price Changed $465,000 -2.1% $232 / Sq Ft
09/14/2023 09/14/23 For Sale $475,000 +61.0% $237 / Sq Ft
09/12/2019 09/12/19 Sold $295,000 -1.3% $165 / Sq Ft
08/14/2019 08/14/19 For Sale $299,000 +31.7% $168 / Sq Ft
04/24/2015 04/24/15 Sold $227,000 0.0% $126 / Sq Ft
03/23/2015 03/23/15 Pending -- -- --
03/23/2015 03/23/15 For Sale $227,000 -- $126 / Sq Ft
Source: Greater Alabama MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $1,522 $34,580 $0 $0
2023 $1,423 $32,340 $0 $0
2022 $1,339 $30,440 $0 $0
2021 $1,285 $29,200 $0 $0
2020 $1,255 $28,520 $0 $0
2019 $1,021 $24,140 $0 $0
2017 $934 $22,160 $0 $0
2015 $864 $20,560 $0 $0
2014 -- $20,200 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Greater Alabama MLS

MLS Number: 21365243

Greater Alabama MLS

APN: 33-6-13-0-003-056-000