3.99% (4.323%APR) FHA 5/1 ARM + $0 Closing Costs for a Limited Time on Select Homes*

3.99% (4.323%APR) FHA 5/1 ARM + $0 Closing Costs on Select Homes*

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Available November 2025

3164 PONDEROSA PARKWAYMORRIS, AL 35116 | Lot# 33 | MLS# 21431279Floor Plan: The McGinnisCommunity: Ponderosa Highlands

Priced at $329,650

  • icon beds

    4

    Beds
  • icon baths

    2.5

    Baths
  • icon garage

    2

    Garage
  • icon sqft

    2,372

    SQ. FT.

Community Location

  • 3296 Ponderosa Parkway
  • Morris, AL 35116
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Hours

  • Mon, Tues, Thurs, Fri, Sat 10 am - 6 pm; Wed & Sun 1 pm- 6 pm

New Home Specialists

  • Richard Sluznis
  • Shauna Arnold
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 McGinnis in Ponderosa Highlands is a two-story plan with a welcoming wide entry leading to a traditional dining room perfect for entertaining. The kitchen and family room live to the rear of the home, with convenient access to the yard. Upstairs, you'll find the spacious owner's suite and three secondary bedrooms, each with walk-in closets. A large secondary bathroom and ample laundry room are located off the open loft. For flexible living, a study or fifth bedroom and full bath are optional on the first floor.

Area Schools

Mortimer Jordan High School

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Other Homes in Ponderosa Highlands

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The McGinnis 3204 PONDEROSA PARKWAY, MORRIS AL / Lot# 24

Move-In Ready
Priced At$324,995
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
  • MLS #
    21421954
LOCATED IN: Ponderosa Highlands
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Under Contract!

The Langford 3200 PONDEROSA PARKWAY, MORRIS AL / Lot# 25

Available September 2025
Priced At$292,995
  • 3Beds
  • 2 Baths
  • 1,740SQ. FT.
  • 2Garages
  • MLS #
    21422214
LOCATED IN: Ponderosa Highlands
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The Caldwell 3160 PONDEROSA PARKWAY, MORRIS AL / Lot# 34

Available November 2025
Priced At$318,765
  • 3Beds
  • 2 Baths
  • 2,231SQ. FT.
  • 2Garages
  • MLS #
    21431281
LOCATED IN: Ponderosa Highlands
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The McGinnis 3296 Ponderosa Parkway, Morris AL / Lot# 1

  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
LOCATED IN: Ponderosa Highlands
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*5/1 ARM offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in inventory homes that contract on or after 7/18/25 and close by 10/10/25. FHA, 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 07/18/2025 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 Counselor for complete details. 8/21/25.


*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 are subject to change without notice. Please speak to a new home specialist to verify homesite fit based on plan and structural options selected. Before visiting a property, contact a new home specialist to verify all information. Sample monthly payment where presented, is an estimate based on lowest price base floorplan model in the community, and includes principal, interest, and estimated taxes, PMI, and insurance, 5% down payment, FHA 30-year fixed rate loan. Subject to approval by third party lender. Not an offer to lend. HOA and other fees not included. Price, payment, rate, term and other features are examples only and subject to change without notice. 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. All information is believed accurate but not warranted and subject to change without notice. Smith Douglas Homes® 2025.

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