3.99% FHA 5/1 ARM + $0 Closing Costs on Select Homes* OR
4.99% FHA 30-Yr Fixed Rate on a Home Built Your Way* For A Limited Time!

3.99% for First Five Years + $0 Cash to Close on Select Homes OR 4.99% Built Your Way!* 

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Available September 2025

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

Priced at $292,675

  • 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
Get Directionscommunity direction

Hours

  • Mon - Sat 10 am - 6 pm; Wed & Sun 1 pm - 6 pm

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

Interactive Siteplan

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Other Homes in The Pines at Ridgefield

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The Coleman 180 SANIE COVE LANE, MARGARET AL / Lot# 1096

Move-In Ready
Priced At$264,995
  • 4Beds
  • 2 .5Baths
  • 2,053SQ. FT.
  • 2Garages
  • MLS #
    21425059
LOCATED 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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*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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