$550,000
$39K PRICE DROP

Estimated payment $3,076/month

Total Views 7,311
3 Beds
2 Baths
2,155 Sq Ft
$255 Price per Sq Ft

Highlights

  • Boathouse
  • 188 Feet of Waterfront
  • Deck
  • Shelby Elementary School Rated A-
  • Lake View
  • Attic

About This Home

RARE FIND! One-Level MAIN CHANNEL Lakefront living on Lay Lake with MAJESTIC PANORAMIC views & deep year-round water! This private & peaceful retreat in the desirable Shelby Shores community offers breathtaking views inside & out. Well-maintained 3-bedroom, 2-bath home features spacious Living Room with gas FP, Kitchen plus dedicated office. Home thoughtfully expanded to add walk in closets & Sunroom to capture incredible lake views. Sunroom opens to 3 levels of decking—perfect for entertaining or relaxing by the water. Outside features a large 2-stall boathouse with 2 lifts & separate sunning/fishing pier. HVAC approx. 2 yrs; metal roof 6-7 yrs. Pump system in place. Wired, insulated workshop with A/C; perfect Man’s cave. Incredible opportunity to update & customize your own lakefront retreat on one of Lay Lake’s most desirable settings! Shelby Shores community offers many activities; Book Club, Angelfish Bible Study, Pot luck dinners, Worship services & other activities.

Listing Agent

Shirley Satterwhite

RealtySouth-Inverness Office Listed on: 03/06/2026

RealtySouth-Inverness Office

Co-Listing Agent

Kendra Satterwhite Smith

RealtySouth-Inverness Office

Home Details

Home Type

  • Single Family

Year Built

  • Built in 1970

Lot Details

  • 28,706 Sq Ft Lot
  • 188 Feet of Waterfront

Home Design

  • Vinyl Siding

Interior Spaces

  • Self Contained Fireplace Unit Or Insert
  • French Doors
  • Family Room with Fireplace
  • Lake Views
  • Attic

Kitchen

  • Kitchen Island
  • Laminate Countertops

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Laundry

  • Laundry on main level
  • Washer and Electric Dryer Hookup

Parking

  • Garage on Main Level
  • Driveway

Outdoor Features

  • Boathouse
  • Deck
  • Outdoor Storage

Schools

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

Utilities

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

Community Details

  • No Home Owners Association
  • $24 Other Monthly Fees

Listing and Financial Details

  • Tax Lot 17

Home Details

Home Type

Single Family

Year Built

Built in 1970

Lot Details

0.66 Acres

Listing Details

  • Down Payment Assistance: Yes
  • Property Type: Residential
  • Flood Plain: N
  • Year Built: 1970
  • Property Sub Type: Single Family Residence
  • Water Body Name: LAY LAKE
  • Co List Office Mls Id: RTSO45
  • Co List Office Phone: 205-991-6565
  • Co List Office Mls Id: RTSO45
  • Directions: I 65 S to exit 228, left Hwy 32, right Hwy 70, right Hwy 42, crossing over Hwy 25, Hwy 47 & Hwy 145 staying on Hwy 42 into Shelby Shores. Left on Marina Road, left on N River Dr and right onto Circle 1
  • Above Grade Finished Sq Ft: 2155.0
  • Year Built Details: Existing
  • SystemPrice: 550000
  • Special Features: VirtualTour

Interior Features

  • Fireplace Location: Family Room (FIREPL)
  • Fireplace Type: Electric (FIREPL),Gas (FIREPL)
  • Room 1: Kitchen
  • Room 2: Living
  • Room 3: Master Bedroom
  • Room 4: Master Bath
  • Room 5: Bedroom
  • Room 6: Bedroom
  • Room 7: Full Bath
  • Room 8: Laundry
  • Room 9: Sun Room
  • Kitchen Equipment: Dishwasher Built-In,Self-Cleaning,Some Stainless Appl,Stove-Electric
  • Laundry Dryer Hookup: Dryer-Electric
  • Laundry Features: Washer Hookup
  • Laundry Location: Laundry (MLVL)
  • Laundry Space: Closet
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Door Features: French Doors
  • Fireplace Features: Insert
  • Fireplaces: 1
  • Unfinished Basement Sq Ft: 0
  • Main Level Sq Ft: 2155
  • Upper Level Sq Ft: 0

Exterior Features

  • Exterior Features: Boat House Private, Storage
  • Waterfront Frontage: 188
  • Water Heater: Electric (WTRHTR)
  • Waterfront: Yes
  • Construction Type: Vinyl Siding
  • Property Condition: Existing

Garage/Parking

  • Parking Features: Driveway, Parking (MLVL)

Utilities

  • Heating: Central, Heat Pump, Space Heater
  • Cooling: Central Air, Heat Pump
  • Water: Public Water
  • HVAC Area: 2155
  • Sewer: Septic

Condo/Co-op/Association

  • Association Fee Yn: N

Fee Information

  • Garbage Fee Amount: 73
  • Garbage Fee Per: Q
  • Fire Fee: N
  • Garbage Fee: Y
  • Library Fee: No

Schools

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

Lot Info

  • Lot View: Yes

Tax Info

  • Tax District: COUNTY
  • Tax Lot: 17

Map

Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





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
2025 $1,706 $38,780 $0 $0
2024 $1,684 $38,280 $0 $0
2023 $1,349 $36,360 $0 $0
2022 $1,188 $32,080 $0 $0
2021 $923 $28,000 $0 $0
2020 $923 $25,000 $0 $0
2019 $0 $24,560 $0 $0
2017 $0 $22,540 $0 $0
2015 $815 $22,140 $0 $0
2014 $803 $21,820 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
03/25/2026 03/25/26 Price Changed $550,000 -6.6% $255 / Sq Ft
03/06/2026 03/06/26 For Sale $589,000 -- $273 / Sq Ft
Source: Greater Alabama MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Survivorship Deed $97,200 --
Warranty Deed $500 Lawyers Title Insurance Corp
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $77,750 Unknown
Source: Public Records

Source: Greater Alabama MLS

MLS Number: 21445439

Greater Alabama MLS

APN: 31-3-07-0-001-016-000

Your Personal Tour Guide

Ask me questions while you tour the home.