$579,000
SOLD DEC 11, 2025

406 County Road 225 Cullman, AL 35057

3 Beds
2 Baths
1,955 Sq Ft
0.42 Acres

Recently Sold

$296 Per Sq Ft

3% Below List Price

2 Days on Market

Highlights

  • Boathouse
  • 100 Feet of Waterfront
  • Boat Slip
  • Cold Springs Elementary School Rated 9+
  • Boat Lift
  • No HOA

About This Home

As of December 2025

Smith Lake (Cullman Side) Who has been looking for the perfect cottage on deep water and on the Cullman side? This is it! 3BR/2BA in a lovely cove off the main channel. This home is furnished, turn key, and ready to enjoy now! Pride of ownership shows all throughout and you will be impressed with owners' attention to the home. Main floor has a large lakeside sunroom and a renovated kitchen. Lower level has recreation room, two bedrooms, a full bath, and a screened porch. You have a nice outdoor patio overlooking the water. Just a short walk from this area and you are on the dock! This is absolutely one of the closest locations to I-65. An ideal rental investment, full time home, or vacation cottage. Paved roads lead you right to the home and you have a double car carport. The long term owners are relocating to another state and have this one priced to sell. Make it a point to see now!

Last Agent to Sell the Property

Justin Dyar

Lake Homes Realty License #000079039 Listed on: 10/29/2025

Lake Homes Realty

Last Buyer's Agent

Justin Dyar

Lake Homes Realty License #000079039 Listed on: 10/29/2025

Lake Homes Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,009

Year Built

  • Built in 1989

Lot Details

  • 0.42 Acre Lot
  • 100 Feet of Waterfront

Parking

  • 2 Car Garage
  • Carport

Home Design

  • Cottage
  • Frame Construction
  • Shingle Roof
  • Masonite

Interior Spaces

  • 1,955 Sq Ft Home
  • 1-Story Property
  • Screened Porch
  • Finished Basement
  • Basement Fills Entire Space Under The House

Kitchen

  • Electric Oven
  • Electric Range
  • Microwave
  • Dishwasher

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Bathrooms

Outdoor Features

  • Waterfront Platform
  • Boat Lift
  • Boat Slip
  • Boathouse
  • Patio

Utilities

  • Central Heating and Cooling System
  • Septic Tank

Listing and Financial Details

  • Assessor Parcel Number 25 27 02 04 0 001 070.002

Community Details

Overview

  • No Home Owners Association
  • Simpson Creek Subdivision

Amenities

  • Sundeck

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,009

Year Built

Built in 1989

Lot Details

0

Parking

2

Listing Details

  • Prop. Type: Residential
  • Lot Size Acres: 0.42
  • Water Body Name: Simpson Creek
  • Subdivision Name: Simpson Creek
  • Directions: CR109 onto CR226 onto CR225. Property on R.
  • Architectural Style: Cottage
  • Carport Y N: Yes
  • Garage Yn: No
  • Building Stories: 1
  • Year Built: 1989
  • Schools Middle Schools: County
  • Schools High Schools: County
  • Appliances Microwave: Yes
  • Waterfront Frontage: 100+/-
  • Appliances Refrigerators: Yes
  • Percent Basement Finished: Yes
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 1

Interior Features

  • Appliances: Dishwasher, Microwave, Oven (Elec), Range (Elec), Refrigerator
  • Has Basement: Finished, Full
  • Total Bedrooms: 3
  • Interior Amenities: Drywall
  • Appliances Dishwasher: Yes
  • Appliances:Oven (Elec): Yes
  • Appliances:Range (Elec): Yes
  • Full Basement: Yes

Exterior Features

  • Waterfront Features: Boat House, Boat Slip, Boat Lift, Swim Platform
  • Waterfront: Yes
  • Construction Type: Block, Frame, Masonite
  • Patio And Porch Features: Screen Porch, Covered Patio, Open/Sun Deck, Patio
  • Roof: Shingle
  • Construction:Frame2: Yes
  • Construction:Block2: Yes
  • Waterfront Features:Boat Slip: Yes
  • Waterfront Features:Boat House: Yes
  • Waterfront Features:Characteristics: Moderate
  • Waterfront Features:Shoreline: Year Round Water
  • Waterfront Features:Boat Lift: Yes
  • Waterfront Features:Swim Platform: Yes

Garage/Parking

  • Attached Garage: No
  • Garage Spaces: 2.0
  • General Property Description:Garage Remarks2: Carport
  • General Property Description:Garage Stall2: 2

Utilities

  • Cooling: Central (Elec)
  • Cooling Y N: Yes
  • Heating: Central (Elec)
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Heating:Central (Elec): Yes

Condo/Co-op/Association

  • Association: No

Schools

  • Elementary School: County
  • High School: County
  • Middle Or Junior School: County

Lot Info

  • Lot Size Sq Ft: 18295.2
  • Parcel #: 25 27 02 04 0 001 070.002
  • Zoning: No Zoning

Tax Info

  • Tax Annual Amount: 1008.8
  • Tax Year: 2026

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 29, 2025
Closed on
Dec 10, 2025
Sold by
Scarritt Thomas V and Scarritt Kathryn H
Bought by
Drummonds Jeffrey E and Drummonds Cynthia G
Seller's Agent
Justin Dyar
Lake Homes Realty
Buyer's Agent
Justin Dyar
Lake Homes Realty
List Price
$599,000
Sold Price
$579,000
Premium/Discount to List
-$20,000
-3.34%
Views
5

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-6.01%
Original Mortgage
$453,200
Outstanding Balance
$453,200
Interest Rate
6.17%
Mortgage Type
VA
Estimated Equity
$119,374
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Purchase History

Date Type Sale Price Title Company
Warranty Deed $579,000 None Listed On Document
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $453,200 VA
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
12/11/2025 12/11/25 Sold $579,000 -3.3% $296 / Sq Ft
10/29/2025 10/29/25 For Sale $599,000 -- $306 / Sq Ft
Source: Walker Area Association of REALTORS®

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
2025 $979 $37,660 $0 $0
2024 $915 $35,200 $0 $0
2023 $915 $33,540 $0 $0
2022 $779 $29,960 $0 $0
2021 $632 $24,320 $0 $0
2020 $618 $23,760 $0 $0
2019 $616 $23,700 $0 $0
2018 $575 $22,100 $0 $0
2017 $543 $20,900 $0 $0
2016 $543 $20,900 $0 $0
2014 $543 $20,900 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Justin Dyar

    Seller's Agent in 2025

    Justin Dyar

    Lake Homes Realty

    (205) 468-6375

    936 Total Sales

    Justin Dyar
    Section Image
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Map

Source: Walker Area Association of REALTORS®

MLS Number: 25-2156

APN: 27-02-04-0-001-070.002

Alabama Cullman County Cullman 35057

406 County Road 225, Cullman, AL

Sold

Detached

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