4.99% FHA FIXED RATE*

ON HOMES THRU 01/31*

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Special Limited-Time Rate Available
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$2,037/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*

Move-In Ready

3160 PONDEROSA PARKWAYMORRIS, AL 35116 | Lot# 34 | MLS# 21431281Floor Plan: The CaldwellCommunity: Ponderosa Highlands

Priced at $314,995

financial tag4.99% FHA Fixed Rate Eligible*
financial tag4.99% FHA Fixed Rate Eligible*
  • icon beds

    3

    Beds
  • icon baths

    2

    Baths
  • icon garage

    2

    Garage
  • icon sqft

    2,231

    SQ. FT.

Community Location

  • 3296 Ponderosa Parkway
  • Morris, AL 35116
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Hours

  • By Appointment Only

New Home Specialists

  • Richard Sluznis
  • Katherine Robinson
icon phone(205) 645 - 3698
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If you choose to have 3rd party representation for your new home purchase, please note, we require buyer's brokers and agents are present and registered with the home buyer at the first visit (virtual or onsite) to receive compensation.

Description

The Caldwell at Ponderosa Highlands is great for those needing a first-floor owner's suite. The hub of this home is the centrally located family room, which is open to the kitchen and a covered rear porch. Single-level living can be easily achieved here because everything is just steps away, but a flexible second floor provides a bath and two additional bedrooms, a large loft, and options for a fourth bedroom, third bathroom, and media room.

Area Schools

Mortimer Jordan High School

Interactive Siteplan

Map & Directions

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Get Pre-Qualified with Ridgeland Mortgage
Finance with Confidence and Save Money

Experience a smooth home financing process with our Preferred Lender, Ridgeland Mortgage. Their specialists in new construction home loans offer a simplified approach to guide you from contract to closing, ensuring a stress-free experience. Get pre-qualified to discover your buying power and choose from FHA, VA, Conventional, or USDA loans. As a bonus, you'll qualify to receive closing cost assistance and access to current promotions.* Visit our Preferred Lender page to connect with a loan officer in your area today.

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Other Homes in Ponderosa Highlands

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The McGinnis 3296 PONDEROSA PARKWAY, MORRIS AL / Lot# 1

Move-In Ready
Priced At$339,995
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    21435883
financial tag3.99% FHA 5/1 ARM + $0 Closing Costs Eligible*
LOCATED IN: Ponderosa Highlands
$1,993/month | Based on 3.99% FHA 5/1 ARM Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Limited-Time Rate Available
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The McGinnis 3156 PONDEROSA PARKWAY, MORRIS AL / Lot# 35

Move-In Ready
Priced At$334,995
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    21425692
financial tag4.99% FHA Fixed Rate Eligible*
LOCATED IN: Ponderosa Highlands
$2,160/month | Based on 4.99% Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
Icon Play PhotosPhotos
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Photo #001Photo #002
Special Limited-Time Rate Available
Special Offer Icon

The McGinnis 3292 PONDEROSA PARKWAY, MORRIS AL / Lot# 2

Move-In Ready
Priced At$329,995
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    21429126
financial tag3.99% FHA 5/1 ARM + $0 Closing Costs Eligible*
LOCATED IN: Ponderosa Highlands
$1,937/month | Based on 3.99% FHA 5/1 ARM Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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*4.99% FHA Fixed Rate Offer is available for a limited time and only on select locations/homesites. Availability, pricing, homesite selection, and incentives are subject to change without notice and are not guaranteed until a purchase agreement is fully executed. Rate commitment is available exclusively through our preferred lender. Minimum 660 FICO score and a minimum 3.5% down payment are required. Interest rates and APRs are current as of 11/24/2025 and may change without notice. Actual rates vary based on credit rating, down payment amount, DTI, and other qualifying factors. Smith Douglas Homes is not a lender, and this is not an offer to lend. Equal Housing Opportunity. Additional restrictions may apply. See a New Home Specialist for complete details. Smith Douglas Homes® 11/24/25.

*4.99% FHA Fixed Rate Built Your Way Offer is available for a limited time and only in select locations/homesites. Availability, pricing, homesite selection, and incentives are subject to change without notice and are not guaranteed until a purchase agreement is fully executed. Mortgage rate commitment is available exclusively through our preferred lender, Ridgeland Mortgage. Minimum FICO score of 660 and a minimum down payment of 3.5% of the purchase price. Offer applies to a limited number of homes and may expire or be withdrawn at any time. 5/1 ARM + offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in inventory homes that contract on or after 9/19/25 and close by 12/31/25. FHA, a 5-year adjustable-rate mortgage has an initial rate of 3.99% (4.323% APR) that may adjust after 60 months (5 years) and every 12 months thereafter through 120 months (10 years), at a maximum increase of 1% from the prior year's rate. The fully indexed rate is based on the daily 1-year. treasury index plus the margin of 1.75%. Minimum FICO of 660 and a maximum loan-to-value ratio of 96.5% on an owner-occupied single-family residence. Costs calculated in APR include lender fees, all 3rd-party fees, and prepaid items. Closing costs contribution capped at 4% of the loan amount. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 10/22/2025 and subject to change without notice. Actual rates may vary based on several factors, including your credit rating, size of down payment, DTI, and other factors. Smith Douglas Homes is not a lender, and this is not an offer to lend. The purchaser must qualify through Ridgeland Mortgage. Equal Housing Opportunity. Additional restrictions may apply. See New Home Specialist for complete details. All information is believed to be accurate but not warranted and subject to change without notice. Smith Douglas Homes® 10/22/25

All elevations, floor plans, virtual tours, and other graphics shown are representations and may vary from the actual products. Pricing, availability, features, and all other website content is believed to be accurate and subject to change without notice. Contact a new home specialist to verify all information, including homesite fit based on plan and structural options selected. Where presented, unless denoted otherwise, the sample monthly payment, is an estimate based on lowest price base floorplan in the community, and includes principal, interest, estimated taxes, PMI, and insurance, 3.5% down payment, FHA 30-year fixed rate loan, and is for illustrative purposes only. Subject to approval by third party lender. Not an offer to lend. HOA and other fees not included. Incentives (including seller contributions) may require use of certain title companies or independent lenders. We require buyer's brokers and agents are present and registered with the home buyer at the first visit (virtual or onsite) to receive compensation. Equal Housing Opportunity. Smith Douglas Homes® 2025.


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