36 County Road 307, Cullman AL - Owner Finance Home
Owner Finance

36 County Road 307

Cullman, AL 35057

🛏️

4

Bedrooms

🚿

3

Bathrooms

📏

1,740

Sq Ft

📅

1980

Year Built

About This Property

Welcome to your perfect lakeside retreat where peaceful waterfront living meets everyday convenience. This spacious 4-bedroom, 3-bathroom lake house offers the ideal balance of comfort, functionality, and location. Nestled right on the water yet just minutes from town, you ll enjoy serene views and quick access to shopping, dining, and even DoorDash delivery right to your door. Step outside to one of the property s standout features: a massive private dock complete with three boat slips, making it perfect for boating enthusiasts, entertaining, or simply soaking in the lake lifestyle. Whether it s early morning fishing or sunset cruises, this property is designed to maximize your time on the water. Inside, the home features a generous layout with plenty of room for family and guests. The three full bathrooms ensure convenience and privacy, while the four bedrooms provide flexible space for hosting, working from home, or relaxing weekends away. The home features a cozy galley-style kitchen, complemented by a large pantry and laundry room with ample storage. What it may lack in kitchen size, it more than makes up for with an impressive outdoor bar and grill area perfect for cooking, entertaining, and enjoying the lake lifestyle. One of the home s standout interior features is the beautiful soaking tub, offering a spa-like retreat after a long day on the lake perfect for relaxing and unwinding in comfort. This home has also been well maintained for peace of mind. The septic system has been recently pumped and inspected, and the property includes an active termite bond adding an extra layer of security for your investment. The property also features a storm shelter, offering added safety and peace of mind. The home is being sold furnished including all appliances, with the exception of a few personal items. that the boat, jet skis, massage chair and hot tub are not included in the sale. If you ve been searching for a lakefront property that offers both tranquility and accessibility, this one checks all the boxes. Enjoy the quiet of lakeside living without sacrificing the convenience of being close to town. Schedule your private showing today and start living the lake life you ve been dreaming of. Channel in from of house is year-round water. We have the dock set up to be dry during the winter but Alabama Power did tell us that they would permit a follow the water dock if the buyer would prefer to move the dock out. Currently rented Airbnb, please do not go onto the property without an appointment. We are willing to owner finance 100k down, 10% up to 20 years.

Property Details

Property Type

Single Family

Year Built

1980

HOA

None

Listed Price

$400,000

Owner Financing Terms

Why Owner Financing?

  • No bank qualifying
  • Bad credit OK
  • Fast closing
  • Flexible terms
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Frequently Asked Questions About Owner Financing in Cullman

What is owner financing for 36 County Road 307?

Owner financing means the seller of 36 County Road 307 acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. This property in Cullman, AL is available with owner financing terms.

Do I need good credit for owner financing?

No! One of the biggest advantages of owner financing is that you typically don't need to qualify through a bank. This makes it possible to buy a home even with bad credit, no credit history, or self-employment income that's hard to document.

How much is the down payment for this Cullman home?

Down payment terms are negotiable. Sign up for free to get the specific financing details for this Cullman property.