3.99% FHA 5/1 ARM*

ON SELECT QUICK MOVE-INS

4.99% FHA FIXED RATE*

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Quick Move-In HomesNew Homes in Owens Cross Roads

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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!

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5 Available Homes

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Self-tour Available Sunup to Sundown! | HOT HOME RATE*
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The McGinnis 7314 Pine Run Lane, Owens Cross Roads AL / Lot# 7

Move-In Ready
Priced At$344,995
was $356,430
Est. Monthly Payment$1,907
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • MLS #
    21889822
financial tagHurry, Offered at 3.5% (3.808%APR), FHA, 30-yr Fixed!*
LOCATED IN: Big Cove Station
$1,907/month | Based on 3.5%* (3.808%APR) Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Photo #001Photo #002
Self-tour Available Sunup to Sundown! | Special Rate Available!
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The Langford 7320 Pine Run Lane, Owens Cross Roads AL / Lot# 10

Move-In Ready
Priced At$329,995
was $342,215
Est. Monthly Payment$1,945
  • 4Beds
  • 3 Baths
  • 2,066SQ. FT.
  • MLS #
    21891395
financial tag3.99%* (4.323%APR) 5/1 ARM + $0 Closing Costs
LOCATED IN: Big Cove Station
$1,945/month | Based on 3.99%* (4.323%APR) Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Rate Available!
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The Braselton II 7318 Pine Run Lane SE, Owens Cross Roads AL / Lot# 9

Move-In Ready
Priced At$299,995
was $319,620
Est. Monthly Payment$1,802
  • 4Beds
  • 2 .5Baths
  • 1,933SQ. FT.
  • MLS #
    21894039
financial tag3.99%* (4.323%APR) 5/1 ARM + $0 Closing Costs
LOCATED IN: Big Cove Station
$1,802/month | Based on 3.99%* (4.323%APR) Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Special Rate Available!
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The Langford 7327 Pine Run Lane, Owens Cross Roads AL / Lot# 24

Available November 2025
Priced At$289,995
was $310,990
Est. Monthly Payment$1,761
  • 3Beds
  • 2 Baths
  • 1,740SQ. FT.
  • MLS #
    21897542
financial tag3.99%* (4.323%APR) 5/1 ARM + $0 Closing Costs
LOCATED IN: Big Cove Station
$1,761/month | Based on 3.99%* (4.323%APR) Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Photo #001Photo #002
Special Rate Available!
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The Harrington 7329 Pine Run Lane, Owens Cross Roads AL / Lot# 23

Available December 2025
Priced At$357,270
Est. Monthly Payment$2,067
  • 4Beds
  • 2 .5Baths
  • 2,565SQ. FT.
  • MLS #
    21898961
financial tag3.99%* (4.323%APR) 5/1 ARM + $0 Closing Costs
LOCATED IN: Big Cove Station
$2,067/month | Based on 3.99%* (4.323%APR) Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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Copyright 2025 Canopy MLS and RealTracs, Inc. All rights reserved

Listings courtesy of Canopy MLS and RealTracs as distributed by MLS GRID in accordance with these IDX Rules Based on information submitted to the MLS GRID as of Invalid date. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information

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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 11/14/25. 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 09/19/2025 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 accurate but not warranted and subject to change without notice. Smith Douglas Homes® 9/19/25.

*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 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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©2025 Smith Douglas Homes. All Rights Reserved.