MARSHALL COUNTY, AL | 20 acres | Lake + Dock Access | Lake Views | No Restrictions! For Sale

Own This Property for $33k Down + $1844/month – No Bank, No Credit Check!

Alabama Land for Sale near Guntersville Lake/Tennessee River

Perched above the shimmering waters of Guntersville Lake, this remarkable 20-acre property in the Shoreland Estates community offers a rare combination of space, views, and true freedom.

• Lake Access via Community Dock (deeded)
• Spring Water Access (deeded)
• No Restrictions!
• Power & Water at Road
• Legal, Cul-de-sac Road Frontage
• Great Lake Views via Higher Elevation
• Very Buildable: No Floodplain or Wetlands
• Lowest-priced Lake-Accessible 10+ acre Lot on the Market! (and ours is 20 acres!)
• Owner Finanncing Available: $33k down, $1844/month – No Bank, No Credit Check

Located just 10 minutes from Grant and 20 minutes from Scottsboro’s mainstream shopping, it’s the kind of place where you can slow down, spread out, and still stay connected to everything you need.

What makes this property truly special is its deeded lake access, giving you use of a beautiful, donation-funded community dock and picnic area right on Guntersville Lake—one of the Alabama’s most sought-after destinations for boating, fishing, and waterfront relaxation. You’ll also enjoy deeded spring water access via Lot 39, adding another unique and valuable resource to your land.

The property itself features a gentle, elevated slope that’s highly buildable and completely free from floodplain or wetlands, making it easy to design a home that takes full advantage of the panoramic lake views. With power and water available at the road frontage and legal access via a quiet cul-de-sac, the groundwork is already in place for your future plans.

Perhaps most appealing of all is the freedom this land provides. There are no zoning restrictions, no deed restrictions, and no HOA, allowing you to build and use the property exactly how you choose—whether that’s a primary residence, vacation home, or a long-term investment.

Surrounded by natural beauty and offering both privacy and access to the lake, this property stands out as the lowest-priced 20-acre tract with lake access currently on the market. With owner financing available, owning your own slice of Guntersville Lake has never been more attainable.

If you’ve been searching for acreage with views, access, and unlimited potential, this is an opportunity you won’t want to miss. Grab it today at an unbeatable Acretown price!

Call or text Scott directly at 314.639.9777 or email info@acretown.com if you have any questions or would like to make an offer.

Si habla español, por favor pida por Andy en nuestro equipo y él estará encantado de ayudarle.

We’ve posted a lot of info below – including critical instructions for visiting the property – so please keep reading!

Best Deal in the Market – Check Zillow or Redfin and You’ll Agree!

After opening this map, you may see even more information about the area by clicking on the Layers & Basemaps button at top right.

• CASH PRICE: $149,900
• OWNER FINANCED DEAL: $33k down, $1844/month – no bank, no credit check (see full details in FINANCING section below)
• ADDRESS (street # estimated – use GPS for navigation): 407 Lake Dr, Scottsboro, AL 35769
• SIZE: 20 acres
• GPS COORDINATES: 34.515322, -86.189993
• PARCEL #: 06-05-15-0-000-031.000
• ABRIDGED LEGAL DESCRIPTION: Lot 40 Shoreland Estates Sd Pb 6 Pg 74 Sec 15, T 6 R 4 Cont 20 Ac 726/624
• FULL LEGAL DESCRIPTION: view here
• PLAT MAP/SURVEY: view here (get County’s boundary/KML file here – opens in Google Earth)
• TITLE: General Warranty deed (clean – no back taxes, no liens)
• MINERAL RIGHTS: any mineral rights we own will convey to buyer (we have no knowledge of severance of mineral rights by a previous owner)
• DIMENSIONS (approximate): starting at SE corner, 101′ SW (along cul-de-sac easement) x 1224′ W x 1300′ N x 1942′ SE to POB
• FLOODPLAIN: none
• WETLANDS: none
• ELEVATION: 1021 feet
• TERRAIN: moderate slope
• CONDITION: undeveloped, wooded
• ACCESS: 101 feet of direct frontage on the Lake Drive cul-de-sac easement (view map here)
• POWER: available at cul-de-sac thru North Alabama Electric (256-437-2281, https://www.naecoop.com)
• WATER: available thru North Marshall Utilities (256-728-4116, https://northmarshallutilities.nexbillpayonline.com)
• WASTEWATER: septic system would need to be installed
  • The built-in savings you receive on all Acretown properties frees up extra money to install a variety of conventional and more modern, non-conventional septic systems, like mound systems, pressurized dosing, plastic chamber leach fields, aerobic treatment, etc. (which have become popular solutions in rare cases of non-satisfactory perc tests).
• TAXES: $35.75 in 2025
• HOA/POA: Shoreland Estates
• HOA/POA FEES: none (donations keep the community dock & picnic area maintained; view map here)
• DEED RESTRICTIONS: none
• ZONING: no zoning, NO RESTRICTIONS – do what you want with your land!
  • homes and accompanying outbuildings such as garages, workshops, barns are all OK
    • no size/height restriction on homes/structures on the lot
    • no setback requirements
    • no time limit to build – leave the lot as-is for as long as you want or need
  • RVs, campers, mobile homes, cabins, tiny homes are all OK
  • animals, livestock, etc OK
  • no HOA or CC+R’s
  • or, simply leave it as-is and enjoy being surrounded by nature!
• SCHOOL DISTRICTS: Kate Smith (Elementary) – Kate Smith (Middle School) – Kate Smith (High School)
• NEAREST CITIES: Grant < Scottsboro < Huntsville
• NEAREST AIRPORTS: Guntersville Municipal (12 mins), Huntsville International (56 mins), Birmingham International (1 hr 42 mins)
• COUNTY GOVERNMENT:
  • Assessor (256) 571-7743
  • Treasurer (256) 571-7743
  • Recorder (256) 571-7764
  • Clerk (256) 571-7785
  • County GIS

READY TO TAKE THE NEXT STEP?

Reserve this property for 24 hours while you review the agreement.

$499 REFUNDABLE – APPLIED TO PURCHASE – NO OBLIGATION

coming soon . . .

OWNER FINANCING: We do offer owner financing under the following terms:

• Owner Financed Price = $164,900
• Down Payment = $33,000
• Monthly Payment = $1844.46
• Term = 10 years (120 months)
• Interest Rate = 10.9%
• No Pre-Payoff Penalty!
• No Bank, No Credit Check!

We have a two-week waiting period after the posting of our original MLS listing before we open up the owner-financing option. Also, if you would like to make a larger down payment in exchange for a slightly lower interest rate and/or fewer payments, we can certainly accomodate that, so just let us know! Or you don’t have the full payment now but expect to have it within the next 90 days? We may be able to custom design an installment plan that works for you, so just reach out to us and ask. If you’d like to buy this property via owner financing, call or text Scott directly at 314.639.9777 or email him at info@acretown.com and we’ll get you set up!

OUTSIDE FINANCING: Your best deal for third-party financing will probably come from First South Farm Credit, E-Construction Loans, or FBN Finance and their details are below:

First South Farm Credit is one of the best local land lenders in the area, and they require as little as 15% down and up to a 30 year term at 8% interest. Call them at (256) 878-2361, or visit them directly at their nearest office: 808 AL Hwy 75 N, Albertville, AL 35950.

E-Construction Loans, Tim Jarvis, timjarvis@sbcglobal.net, (408) 238-4606: Tim is a land lender and offers loans at 10% down, 25-year amortization and a balloon payment in 10 years. Please contact him for all the details. They do serve Alabama.

FBN Finance is one of the country’s largest land lenders. The property needs to be (1) zoned agricultural or (2) contain harvestable timber. It also needs to be a minimum of 5 acres and require a minimum of $75k financing (after the down payment).

The area offers easy access to some of North Alabama’s most well-known outdoor recreation, including Guntersville Lake right off your community dock, a Tennessee River reservoir popular for boating, bass fishing, kayaking, and waterfront dining, and Cathedral Caverns State Park, home to one of the largest cave entrances in the world along with guided cave tours, walking trails, and shaded picnic areas. Nearby, Lake Guntersville State Park provides extensive opportunities for hiking, wildlife viewing, camping, and mountain biking across a diverse landscape of bluffs, forests, and shoreline. For daily essentials, the town of Grant serves as the nearest option for groceries, while Scottsboro is the closest city with a Walmart and a full range of retail and dining choices. Huntsville, the nearest major city, offers expanded shopping, medical services, entertainment, and employment centers.

NEARBY – Guntersville Lake (6 mins), Cathedral Caverns State Park (15 mins), TVA Honeycomb Trail Head (16 mins), New Hope Civitan Park (23 mins), Wheeler Lake (23 mins), Lake Guntersville State Park (28 mins), Buck’s Pocket State Park (42 mins), Monte Sano State Park (44 mins), and more!

GRANT (11 mins), nearest town with grocery store

SCOTTSBORO (20 mins), nearest city with Walmart 

• RETAIL – Walmart, Dollar General, Family Dollar, Dollar Tree, Bruce’s Foodland Scottsboro, Publix Super Market, Piggly Wiggly, and more!
• RESTAURANTS – McDonalds, Taco Bell, KFC, Arby’s, Wendy’s, Hardee’s, Burger King, Chick-fil-A, Subway, and more!
• MEDICAL SERVICES? Yes, Highlands Medical Center, Family First Medicine, Highlands Primary Care, Fast Pace Health Urgent Care, and more.
• RECREATIONAL – Guntersville Lake, Jackson County Park, Buck’s Pocket State Park, Weathington Park, Lake Guntersville State Park, and many more!

HUNTSVILLE (44 mins), nearest major city

You can go view the property at your convenience – owner does not need to accompany. Please call/text us to let us know you’re heading out, so we can (1) confirm its availability (our land does sell fast), and (2) ensure we have our phone on us in case you need help or have any questions. We’d appreciate a couple hours notice if possible. In case you lose cell phone service, it may be helpful to print off as many helpful documents as you can before you head out there.

DRIVING DIRECTIONS: Click HERE to open the destination in Google Maps, and simply enter your starting point to get step-by-step directions.

• From this link, you can press “Directions” (on the left), enter your starting point, and Google Maps will provide you with step-by-step directions.
• You can also click “Send to Phone” if you’re viewing this on your computer
• And “Save” to download the directions so they’ll still work if you lose cell service.

If for some reason you’re having trouble with that link, you can navigate to GPS coordinates: 34.515322, -86.189993

WALKING THE PROPERTY LINES w/YOUR PHONE: We highly recommend downloading Google Earth to your phone if you don’t already have it. Then . . .

1. Download the property boundary file (called a KML or KMZ file) here. You may be prompted to click “download” one more time, so do that . . . OR you may be prompted to immediately open the file with Google Earth and, in that case, do that and ignore the remaining steps. Otherwise . . .
2. Open Google Earth
3. Go to the main menu (the three horizontal lines at the top left of the screen), then Projects > Open > Import KML file > select the KML file you just downloaded (it should show up on that screen).

Now you should be able to see the property lines on the map, and the green dot represents where you’re currently standing. This is a very important tool to learn BEFORE you head out there. Please call us if you have any questions about it.

Call or text Scott directly at 314.639.9777 or email at info@acretown.com if you’d like to discuss an offer. If you’re a Spanish speaker, please ask for Andy on our team and he’ll be glad to help you.

FOR SALE BY OWNER: We are investors, and are selling this lot For Sale By Owner. You do not need to submit your offer through a real estate agent, and in our experience we close transactions more quickly and easily by having our dedicated transaction coordinator work directly with the Title Company and Buyers. We will also both save money on commission/fees by cutting out agents as the middle men. However, if you feel strongly about working with a realtor, then you’re welcome to have them contact us on your behalf. We do offer 2.5% commission to buyer agents.

WHY ARE YOU SELLING IT SO CHEAP? We are often asked why we price our properties at below market value, and the answer is really simple: because we can, and that’s our core business model. We are investors who purchase properties at a large volume and deeply liquidated rates, and by passing this discount on to our buyers, we can sell land quickly . . . and more of it! In fact, our average property only lasts 2-3 weeks on the market (vs. industry average of about 6 months).

DISCLAIMER: We attempt to provide detailed, accurate and up-to-date information in our listings, in order to help our buyers to the best of our ability. However, it ultimately remains the buyer’s responsibility to perform their own due diligence and double check any details that are of significant importance to you including acreage, utilities, buildability, and approved/allowable useage for the property. We are happy to help however we can.

Hundreds of buyers have successfully purchased land from Acretown. This simple reservation just holds the property while you review the agreement.

$499 REFUNDABLE – APPLIED TO PURCHASE – NO OBLIGATION

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