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For sale
  • $999,999

    1195 Mon Dye Rd, Phil Campbell, AL 35581

    6beds
    3baths
    4,036sqft
    : 
    Single Family Residence
    Built in 2010
    2.85 Acres Lot
    $980,900 Zestimate®
    $248/sqft
    $-- HOA

    What's special

    Waterfront estateDetached garageStunning rock fireplaceBeautiful architectural detailGentle shoreline accessHome office
    Tucked away in a serene, natural setting along the Upper Bear Creek Lake, this extraordinary waterfront estate offers privacy, space, and timeless craftsmanship.The main residence features 5 spacious bedrooms, with a sixth bedroom option currently utilized as a home office, providing flexibility for growing families, guests, and remote work.The home includes 2.5 bathrooms and showcases beautiful architectural detail throughout, with expansive living areas designed for both comfort and entertaining. The impressive den features a stunning rock fireplace and built-in bar complete with ice machine and mini fridge. Located discreetly within the closet is a 4'x6' safe room offering an added layer of security and peace of mind. Large windows frame peaceful views of the water and surrounding wooded landscape, allowing natural light to fill the home. Metal Shingles offer superior durability and weather resistance. Energy efficient spray foam insulation throughout. HVAC systems updated within the last year. Complementing the main residence are a detached garage and an additional barn/workshop, idea for storage, hobbies, recreational equipment, or future customization. Multiple outdoor living spaces invite you to enjoy quiet mornings, host gatherings, or simply take in the tranquility of the waterfront setting. With gentle shoreline access, abundant privacy, and versatile interior and exterior spaces, this property offers a rare opportunity to enjoy a true retreat-style lifestyle without sacrificing functionality.
    19 days
    |
    566
    |
    17
    |

    Zillow last checked: 8 hours ago

    Listing updated: January 05, 2026 at 12:43am

    Listed by:

    Sara Whittney Fuller 205-269-5778,

    EXIT Realty 9-1-1

    Source: Walker County Area MLS,MLS#: 26-12

    Tour with a local agent

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 6
    • Bathrooms: 3
    Heating
    • Central
    Cooling
    • Central Air
    Appliances
    • Included: Dishwasher, Ice Maker, Microwave, Electric Oven, Gas Range, Range Hood, Refrigerator, Electric Water Heater
    Features
    • Flooring: Partial Carpet, Tile, Wood
    • Basement: Crawl Space
    • Has fireplace: Yes
    • Fireplace features: Wood Burning
    Interior area
    • Total structure area: 4,036
    • Total interior livable area: 4,036 sqft

    Property

    Parking
    • Total spaces: 2
    • Parking features: Attached & Detached
    • Attached garage spaces: 2
    Features
    • Stories: 1.5
    • Patio & porch: Covered, Porch
    • Exterior features: Rain Gutters
    • On waterfront: Yes
    • Waterfront features: Lake Front, Waterfront Features: Shoreline(YR/Deep Shoreline), Waterfront Features: Characteristics(Very Gentle)
    • Frontage length: Waterfront Footage(753)
    Lot
    • Size: 2.85 Acres
    • Features: 4 Parcels (Lots 1-4) 331407250000001.001.0 / 331407250000001.002.0 / 331407250000001.003.0 / 331407250000001004.0
    Details
    • Additional structures: Outbuilding
    • Parcel number: 14072500000010020
    • Zoning: _

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Traditional
    • Property subtype: Single Family Residence
    Materials
    • Frame, Masonry Siding, Drywall
    • Roof: Metal,Shingle
    Condition
    • Existing Structure,Excellent
    • New construction: No
    • Year built: 2010

    Utilities & green energy

    • Electric: Alabama Power
    • Sewer: Septic Tank
    • Water: Public

    Community & HOA

    Community
    • Subdivision: Mountain Lake Estate
    HOA
    • Has HOA: No
    Location
    • Region: Phil Campbell

    Financial & listing details

    • Price per square foot: $248/sqft
    • Tax assessed value: $585,000
    • Annual tax amount: $1,969
    • Date on market: 1/5/2026
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    Estimated market value

    $980,900

    $932,000 - $1.03M

    $2,231/mo

    Price history

    Price history
    DateEventPrice
    1/5/2026Listed for sale$999,999+37%$248/sqft
    Source: Walker County Area MLS #26-12 Report a problem
    1/10/2023Sold$730,000-1.3%$181/sqft
    Source: Strategic MLS Alliance #505467 Report a problem
    1/10/2023Pending sale$739,900$183/sqft
    Source: Strategic MLS Alliance #505467 Report a problem
    12/20/2022Price change$739,900-7.5%$183/sqft
    Source: Strategic MLS Alliance #505467 Report a problem
    9/19/2022Price change$799,900-5.3%$198/sqft
    Source: Strategic MLS Alliance #505467 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2025$1,969 +1.1%$585,000 +1.1%
    2024$1,948 +6.5%$578,900 +944.9%
    2023$1,830 +14.9%$55,400 +10.8%

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $5,424/mo
    Principal & interest
    $4791
    Home insurance
    $350
    Property taxes
    $283

      Climate risks

      Neighborhood: 35581

      Nearby schools

      GreatSchools rating
      Schools provided by the listing agent
      • Elementary: County
      • Middle: County
      • High: County

      Source: Walker County Area MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.