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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Quick Move-In HomesNew Homes in Owens Cross Roads

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

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6 Available Homes

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Self-tour Available Sunup to Sundown! | Special Rate Available
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The Manchester II 7306 Pine Run Lane, Owens Cross Roads AL / Lot# 3

Move-In Ready
Priced At$284,995
  • 3Beds
  • 2 .5Baths
  • 1,758SQ. FT.
  • MLS #
    21884847
financial tag3.99% (4.323%APR) 5/1 ARM + $0 Closing Costs
LOCATED IN: Big Cove Station
$1,804/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!

The McGinnis 7314 Pine Run Lane, Owens Cross Roads AL / Lot# 7

Move-In Ready
Priced At$349,995
was $356,430
  • 4Beds
  • 2 .5Baths
  • 2,372SQ. FT.
  • MLS #
    21889822
financial tag3.99% (4.323%APR) 5/1 ARM + $0 Closing Costs
LOCATED IN: Big Cove Station
$2,089/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!

The Langford 7320 Pine Run Lane, Owens Cross Roads AL / Lot# 10

Move-In Ready
Priced At$334,995
was $342,215
  • 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
$2,016/month | Based on 3.99% (4.323%APR) Limited Time Special Rate, includes principal, interest, taxes, and insurance.*
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The Braselton II 7318 Pine Run Lane SE, Owens Cross Roads AL / Lot# 9

Available October 2025
Priced At$304,995
was $319,620
  • 4Beds
  • 2 .5Baths
  • 1,933SQ. FT.
  • MLS #
    21894039
LOCATED IN: Big Cove Station
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The Langford 7327 Pine Run Lane, Owens Cross Roads AL / Lot# 24

Priced At$310,990
  • 3Beds
  • 2 Baths
  • 1,740SQ. FT.
  • MLS #
    21897542
LOCATED IN: Big Cove Station
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The Harrington 7329 Pine Run Lane, Owens Cross Roads AL / Lot# 23

Priced At$357,270
  • 4Beds
  • 2 .5Baths
  • 2,565SQ. FT.
  • MLS #
    21898961
LOCATED IN: Big Cove Station
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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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