3.99% FHA 5/1 ARM*

ON SELECT QUICK MOVE-INS

4.99% FHA FIXED RATE*

BUILT YOUR WAY

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Move-In Ready

190 SANIE COVE LANEMARGARET, AL 35120 | Lot# 1097 | MLS# 21419272Floor Plan: The CaldwellCommunity: The Pines at Ridgefield

Priced at $289,995

  • icon beds

    3

    Beds
  • icon baths

    2.5

    Baths
  • icon garage

    2

    Garage
  • icon sqft

    2,231

    SQ. FT.

Community Location

  • 285 Ridgefield Drive
  • Odenville, AL 35120
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Hours

  • By Appointment Only

New Home Specialists

  • Kita Brown
  • Flo Simmons
icon phone(205) 645 - 3826
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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 The Pines at Ridgefield 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

St Clair Co SD

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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 The Pines at Ridgefield

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The McGinnis 285 Ridgefield Dr, Odenville AL / Lot# 1146

  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • 2Garages
LOCATED IN: The Pines at Ridgefield
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*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 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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