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LEWIS SMITH LAKE, ALABAMA · NEIGHBORHOOD GUIDE

Silverock Cove

Explore Silverock Cove on Lewis Smith Lake across Winston and Cullman counties. Recorded documents describe pools, a clubhouse, boardwalks and boat docks. Compare homes and recent sales with the guide to condominium ownership, rental terms, maintenance and the rights assigned to each unit.

3Active homes & condos
0Active lots & land
$729,900Starting asking price
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LOOK BEYOND THE LISTING

Find the right place
within Silverock Cove.

Common-area and boat-slip rights, whole-unit rental terms, owner maintenance and insurance, and current association charges.

Listing counts and asking prices below reflect the current connected MLS feed, not closed sales or a full market valuation. Neighborhood membership uses the MLS subdivision field.

To compare beyond this neighborhood, explore Lewis Smith Lake waterfront homes for sale or waterfront lots and land for sale across Smith Lake.

PAST 12 MONTHS

Recent sales in Silverock Cove

Nov 4, 2025–Nov 3, 2026

MLS · Source checked Nov 3, 2026, 3:01 PM Central

Closed sales
10
Observed matching MLS listings
Median sold price
$585,000
10 of 10 sales with a reported sold price
Average sold price
$659,000
10 of 10 sales with a reported sold price
Reported sales volume
$6,590,000
10 of 10 sales with a reported sold price
Average sold days on market
147.5 days
10 of 10 sales with official MLS DOM

Figures describe reported closings for the selected neighborhood and period.

MLS only; other MLS sources and private sales are excluded. Matching uses the MLS-reported subdivision within our Smith Lake search area. Figures combine the matching property types represented in these sales. Missing DOM is excluded, not estimated from listing dates.

Browse Silverock Cove sold listings →
A CLOSER LOOK AT Silverock Cove

The setting. The details. Your plans.

Explore the available community information alongside what individual properties report.

BEFORE YOU CHOOSE A PROPERTY

Your neighborhood questions, answered.

Document summaries describe the sources reviewed. Confirm current amendments, fees and the rules for your exact lot.

Silverock Cove is a condominium community expanded through recorded additions in Winston and Cullman Counties. The 2015 property exhibit identifies 55.5 acres after excluding parcels A–E; those parcels have separate reserved access rights. The 2016 amendment adjusts units 601–605. Match an offered unit to its recorded plan, allocation and title; a community name alone does not establish its rights.

Is there an HOA, and what does it cost?
Confirm current terms

Yes—unit owners belong to the association and are subject to assessments. A 2018 amendment calls for a one-time $1,000 working-capital assessment at purchase closing from the developer or an existing owner. That dated recorded amount is not verified current dues. Obtain today's dues, closing contribution, reserves, special assessments and unpaid-balance statement.

Silverock Cove recorded condominium declaration and exhibits · §§4.02, 5.01–5.07 · Deeds 278, pp. 402, 407–409; amended §5.03 · General Record 8, p. 145 Silverock Cove tenth amendment: closing working capital · §§4.02, 5.01–5.07 · Deeds 278, pp. 402, 407–409; amended §5.03 · General Record 8, p. 145
What neighborhood amenities are available?
Confirm current terms

The 2011 Second Amendment identifies the pool, clubhouse, boardwalks, boat docks and parking as common elements. The undated overview describes first-come slip arrangements. Confirm facilities now operating, any charges and the offered unit's recorded access; this does not establish a permanently assigned deeded slip for every owner.

Silverock Cove second amendment: added units and common facilities · Second Amendment, paragraph 2 · Deeds 287, p. 725; overview: How Do the Boat Slips Work? Silverock Cove owner welcome and FAQ · Second Amendment, paragraph 2 · Deeds 287, p. 725; overview: How Do the Boat Slips Work?
What size home can I build?
Document summary

Original §7.03 states 750 heated square feet, with 750 on the main level for a 1½- or two-story dwelling, excluding open porches, and a two-story above-ground limit. It expressly excludes units owned and developed by the developer. The reviewed amendments do not change that clause; confirm current standards and its application to the exact unit.

Silverock Cove recorded condominium declaration and exhibits · §7.03 · Deeds Book 278, pp. 416–417
What styles and plans need approval?
Document summary

Architectural review applies to construction and exterior/site changes; some interior changes are excepted. Obtain written approval and current plans/material standards. Different approval processes have different response provisions, so silence is not blanket permission.

Silverock Cove recorded condominium declaration and exhibits · §§4.04–4.06, 6.02(c), 7.17 · Deeds Book 278, pp. 402–405, 412, 420
Are manufactured or mobile homes allowed?
Confirm current terms

The declaration prohibits mobile homes, motorhomes, trailers and campers on units. Older deeds in Exhibit G also prohibit modular/mobile homes and house trailers on their described tracts. Match those title restrictions to the offered unit, especially later additions, and obtain the current architectural ruling for a proposed manufactured or modular design.

Silverock Cove recorded condominium declaration and exhibits · §7.02(p) and Exhibit G · Deeds Book 278, pp. 416, 467, 471–472
Can I keep or stay in an RV or camper?
Document summary

The original declaration restricts RV/camper use or storage on condominium property and prohibits motorhomes, trailers and campers on units. Equipment-storage provisions are separate from occupancy. Obtain the current parking/storage rules and written confirmation of the intended use; designated storage is not permission to live in an RV.

Silverock Cove recorded condominium declaration and exhibits · §7.02(c), (p) · Deeds Book 278, pp. 414, 416
When must construction start?
Document summary

Where a developer purchase agreement makes the buyer responsible for construction, the original rule requires plans within 180 days of closing and an approved-contractor contract within 180 days of approval. Separately, plans must be resubmitted if substantial work has not begun within a year of approval. These are not a universal resale purchase-to-start deadline.

Silverock Cove recorded condominium declaration and exhibits · §§4.04, 4.06(g) · Deeds Book 278, pp. 402–403, 405
When must construction finish?
Document summary

The original ordinary construction/alteration rule requires completion within twelve months after work begins, with related compliance and written-variance provisions. The 2019 amendment has separate casualty-restoration duties, including special rowhome rules. Confirm the applicable current approval and any written extension.

Silverock Cove recorded condominium declaration and exhibits · §§4.04, 4.06(j), 7.17 · Deeds 278, pp. 402–403, 405, 420; casualty rules · Deeds 335, pp. 74–76 Silverock Cove eleventh amendment: maintenance and insurance · §§4.04, 4.06(j), 7.17 · Deeds 278, pp. 402–403, 405, 420; casualty rules · Deeds 335, pp. 74–76
Can I rent through Airbnb or VRBO?
Document summary

The recorded rule allows whole-unit leases of at least seven days, prohibits individual-room rentals and includes a developer exception. None of the captured declaration amendments changes that clause. Current association operating requirements and any later rules still need confirmation before advertising or buying for Airbnb/VRBO use.

Silverock Cove recorded condominium declaration and exhibits · §7.18 · Deeds Book 278, pp. 420–421; reviewed amendments through Eleventh Amendment
What other rules should I know?
Document summary

Effective April 1, 2019, the Eleventh Amendment deletes the old association unit-exterior/roof obligation and places unit insurance and casualty costs on owners, while retaining common-element responsibilities. Rowhomes have separate casualty provisions. Request current exterior-service arrangements, insurance requirements and the unit's assessment information.

Silverock Cove eleventh amendment: maintenance and insurance · Eleventh Amendment, paragraphs 1–6 · Deeds Book 335, pp. 65–75

All 270 captured official-preview pages were examined, including the original declaration, eleven declaration amendments and the first bylaw amendment. Main clauses, bylaws and legal-description text were read; fine survey dimensions are not fully legible. The 2019 maintenance/insurance change is incorporated here. Current charges, policies, facility operation and exact unit rights still require confirmation; this is not a certified complete title search. Research checked Oct 31, 2026.

Search Winston County probate records ↗ · Use the instrument, book and page references above. Sign-in may be required.

Neighborhood features

  • The 2011 Second Amendment expressly includes the pool, clubhouse, boardwalks, boat docks and parking areas as common elements. Confirm current operation and the offered unit's access and charges.

    Silverock Cove second amendment: added units and common facilities · Paragraph 2 · Deeds Book 287, p. 725

  • The owner overview describes first-come slip arrangements. It does not establish a permanently assigned, deeded slip for every unit; check the offered property's recorded and current operating rights.

    Silverock Cove owner welcome and FAQ · Overview: How Do the Boat Slips Work?; declaration §1.01 and unit/limited-common-element plan Silverock Cove recorded condominium declaration and exhibits · Overview: How Do the Boat Slips Work?; declaration §1.01 and unit/limited-common-element plan
Building & ownership notes

The available document copies state:

  • Association membership and assessment duties apply. The 2018 amendment replaces the original working-capital formula with a one-time closing contribution; current dues, closing charges and assessments need a current statement.

    Silverock Cove recorded condominium declaration and exhibits · §§4.02, 5.01–5.07 · Deeds Book 278, pp. 402, 407–409; General Record Book 8, p. 145 Silverock Cove tenth amendment: closing working capital · §§4.02, 5.01–5.07 · Deeds Book 278, pp. 402, 407–409; General Record Book 8, p. 145

  • The original owner-built-home minimum is 750 heated square feet, with 750 on the main level for a 1½- or two-story dwelling, excluding open porches. Units owned and developed by the developer are expressly excepted. Confirm applicable current unit standards.

    Silverock Cove recorded condominium declaration and exhibits · §7.03 · Deeds Book 278, pp. 416–417

  • Architectural approval, conditional developer-purchaser deadlines and approval-expiry rules are separate. The original ordinary construction-completion period is twelve months after work begins; written variances and separate casualty rules must be considered.

    Silverock Cove recorded condominium declaration and exhibits · §§4.04–4.06, 7.17 · Deeds Book 278, pp. 402–405, 420; amended casualty rules, Deeds Book 335, pp. 74–76 Silverock Cove eleventh amendment: maintenance and insurance · §§4.04–4.06, 7.17 · Deeds Book 278, pp. 402–405, 420; amended casualty rules, Deeds Book 335, pp. 74–76

  • The declaration restricts mobile homes, motorhomes, trailers and campers on units and separately controls RV/equipment storage. Designated storage is not permission for residential occupancy.

    Silverock Cove recorded condominium declaration and exhibits · §7.02(c), (p) · Deeds Book 278, pp. 414, 416

  • The recorded lease clause permits whole-unit leases of at least seven days, excludes individual-room rentals and includes a developer exception. Obtain current amendments and operating requirements before relying on it for a rental business.

    Silverock Cove recorded condominium declaration and exhibits · §7.18 · Deeds Book 278, pp. 420–421

  • The 2019 amendment removes the old association unit-exterior/roof provision and revises unit insurance and casualty responsibilities. Owners carry unit coverage; the association covers common elements. Confirm current exterior services and policies for the offered unit.

    Silverock Cove eleventh amendment: maintenance and insurance · Paragraphs 1–6 · Deeds Book 335, pp. 65–75 · effective April 1, 2019
Recorded document trail

Official record citations help identify the documents to review. Index entries alone do not establish their rules or current application to a lot. Use the county, instrument, book and page references to search and verify the records yourself.

  • The original declaration and complete attached bylaws were read. The first declaration amendment corrects developer identity and execution capacity while preserving other terms.

    Silverock Cove recorded condominium declaration and exhibits · 79355 · Deeds Book 278, pp. 386–477; 79608 · pp. 630–634 Silverock Cove first declaration amendment · 79355 · Deeds Book 278, pp. 386–477; 79608 · pp. 630–634

  • The 2011 amendments add units/common facilities and the replacement access-easement arrangement. Road/easement maintenance is distinct from responsibility for unit exteriors.

    Silverock Cove second amendment: added units and common facilities · 92356 · Deeds 287, pp. 722–742; 92357 · pp. 743–754; 92886 · Deeds 288, pp. 197–215 Silverock Cove third amendment: added units · 92356 · Deeds 287, pp. 722–742; 92357 · pp. 743–754; 92886 · Deeds 288, pp. 197–215 Silverock Cove fourth amendment: access easement · 92356 · Deeds 287, pp. 722–742; 92357 · pp. 743–754; 92886 · Deeds 288, pp. 197–215

  • The 2012–2016 records expand actual property across Winston/Cullman, update unit allocations and reserve access for excluded parcels. The Ninth Amendment changes only the boundaries of units 601–605. These historical schedules are not today's certified unit inventory.

    Silverock Cove fifth amendment: added Winston/Cullman property · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475 Silverock Cove sixth amendment: added units · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475 Silverock Cove seventh amendment: added units and property · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475 Silverock Cove eighth amendment: property and reserved access · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475 Silverock Cove ninth amendment: unit-boundary changes · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475

  • The 2018 bylaw amendment changes director terms. The Tenth Declaration Amendment replaces §5.03 with a closing working-capital assessment that applies to purchases from the developer or a current owner.

    Silverock Cove first bylaw amendment · 158861 · General Record Book 8, pp. 138–142; 158862 · pp. 143–147, operative p. 145 Silverock Cove tenth amendment: closing working capital · 158861 · General Record Book 8, pp. 138–142; 158862 · pp. 143–147, operative p. 145

  • The Eleventh Amendment removes the original association exterior/roof provision and revises insurance and casualty allocation effective April 1, 2019. The old original/overview difference is addressed by this later recorded change; current services still need confirmation.

    Silverock Cove eleventh amendment: maintenance and insurance · 165213 · Deeds Book 335, pp. 63–80; operative changes pp. 65–76

  • Exact unit/title coverage, current rules and charges, slip allocations and later filings remain separate checks. Older tract-specific restrictions and fine plan dimensions are not certified for a particular purchase by this guide.

    Silverock Cove recorded condominium declaration and exhibits · Original Exhibit G · Deeds Book 278, pp. 466–477; Eighth/Ninth property and plan exhibits · Deeds 314:205–220 and 317:471–475 Silverock Cove eighth amendment: property and reserved access · Original Exhibit G · Deeds Book 278, pp. 466–477; Eighth/Ninth property and plan exhibits · Deeds 314:205–220 and 317:471–475 Silverock Cove ninth amendment: unit-boundary changes · Original Exhibit G · Deeds Book 278, pp. 466–477; Eighth/Ninth property and plan exhibits · Deeds 314:205–220 and 317:471–475
Before you buy: a property checklist
  • What current dues, closing contributions, reserves and special assessments apply to this unit?
  • Which recorded plan, slip rights and current rental rules apply to the offered property?
  • What exterior services, unit insurance and common-element responsibilities apply today?
INDIVIDUAL PROPERTY REPORTS

What current listings say

Descriptions come from the listing brokerage and apply to the linked property. They do not establish rules or rights for every lot.

MLS checked Nov 3, 2026, 7:25 PM Central · 3 matching active listings.

  • 204 TURTLE POINT Dr →

    With two pools, a waterfront boardwalk & a boat concierge service allowing owners to live a carefree lake life!

    Joseph Carter Realty · MLS #26-1994

  • 43 TURTLE POINT Dr →

    Silverock Cove is a community like no other on the lake offering a boat concierge service, 2 pools, waterfront boardwalks and a carefree luxury lake life style!

    Joseph Carter Realty · MLS #26-1709

  • 51 BALD EAGLE Dr →

    Nestled in the trees with a covered porch and open deck - walk-out to the dock or take the lakeside boardwalk to one of the two community pools!

    Joseph Carter Realty · MLS #26-1925

Sources, document scope & review dates
  • Silverock Cove owner welcome and FAQ

    Undated owner overview; eight-page supplied copy. · Reviewed Oct 31, 2026.

    The complete eight-page extracted overview was read. It is undated operational guidance, not the governing declaration. Maintenance/insurance statements must be read with the 2019 amendment. Historical fees are not verified current charges, and facility/slip operation still needs confirmation.

  • Silverock Cove recorded condominium declaration and exhibits

    Instrument 79355 · Deeds Book 278, pp. 386–477 · recorded November 14, 2008. · Reviewed Oct 31, 2026.

    All 92 official-preview pages examined, including main text, 12-page bylaws and legal exhibits. Fine plan dimensions are not fully legible. Read the original maintenance/insurance provisions with the 2019 Eleventh Amendment, which changes them. Exact unit title, current fees/policies and a complete later-record search remain separate checks.

  • Silverock Cove first declaration amendment

    Instrument 79608 · Deeds Book 278, pp. 630–634 · executed November 21 and recorded December 4, 2008. · Reviewed Oct 31, 2026.

    All five pages read. Corrects developer identity and execution capacity, preserving other declaration terms. Subsequent captured declaration amendments through the Eleventh Amendment were reviewed separately.

  • Silverock Cove second amendment: added units and common facilities

    Instrument 92356 · Deeds Book 287, pp. 722–742 · recorded January 25, 2011. · Reviewed Oct 31, 2026.

    All 21 pages examined. Adds 24 units and expressly includes pool, clubhouse, boardwalks and boat docks as common elements; attached joint access agreement is not a unit-exterior maintenance change. Fine plan dimensions are not fully legible. Current operation and exact unit rights require confirmation.

  • Silverock Cove third amendment: added units

    Instrument 92357 · Deeds Book 287, pp. 743–754 · recorded January 25, 2011. · Reviewed Oct 31, 2026.

    All 12 pages examined. Adds 12 units and replaces the property, plan and allocation exhibits; other terms preserved. Fine plan dimensions are not fully legible. This schedule is historical, not current unit inventory.

  • Silverock Cove fourth amendment: access easement

    Instrument 92886 · Deeds Book 288, pp. 197–215 · recorded March 1, 2011. · Reviewed Oct 31, 2026.

    All 19 pages read. Adds the replacement access-easement/road-maintenance agreement and corrects a plat-page reference. The maintenance duties concern easement improvements, not unit exteriors. Current exact access/title scope requires confirmation.

  • Silverock Cove fifth amendment: added Winston/Cullman property

    Instrument 97455 · Deeds Book 291, pp. 922–940 · recorded January 5, 2012. · Reviewed Oct 31, 2026.

    All 19 pages examined. Adds 23 units and restates actual condominium land in Winston and Cullman Counties. Other substantive use rules preserved. Fine survey dimensions are not fully legible; exact unit title remains a separate check.

  • Silverock Cove sixth amendment: added units

    Instrument 107821 · Deeds Book 298, pp. 372–390 · recorded May 9, 2013. · Reviewed Oct 31, 2026.

    All 19 pages examined. Adds 11 units and replaces the cumulative property, allocation and plan exhibits. Other terms preserved. Fine survey dimensions are not fully legible; not a current inventory or complete title certification.

  • Silverock Cove seventh amendment: added units and property

    Instrument 119193 · Deeds Book 304, pp. 582–600 · recorded May 7, 2014. · Reviewed Oct 31, 2026.

    All 19 pages examined. Adds two units and restates property, allocations and plan. Its table omits four formerly listed units; no legal withdrawal is inferred from that omission. Fine plan dimensions are not fully legible.

  • Silverock Cove eighth amendment: property and reserved access

    Instrument 134335 · Deeds Book 314, pp. 197–220 · recorded November 13, 2015. · Reviewed Oct 31, 2026.

    All 24 pages examined. Restates 55.5-acre condominium property across Winston/Cullman, excluding parcels A–E, with separate reserved access/utility rights for those parcels. Adds five units; one body sentence inconsistently says two. Fine survey dimensions are not fully legible.

  • Silverock Cove ninth amendment: unit-boundary changes

    Instrument 145086 · Deeds Book 317, pp. 464–475 · recorded May 27, 2016. · Reviewed Oct 31, 2026.

    All 12 pages examined. Changes boundaries of units 601–605 through the amended plan; no added-unit or substantive rental/maintenance change. Fine plan dimensions are not fully legible. Exact offered-unit boundaries require the actual plat/title review.

  • Silverock Cove first bylaw amendment

    Instrument 158861 · General Record Book 8, pp. 138–142 · recorded February 16, 2018. · Reviewed Oct 31, 2026.

    All five pages read. Changes director terms in the attached association bylaws; does not change rental, maintenance, home-size or fee requirements. Current governance must be confirmed separately.

  • Silverock Cove tenth amendment: closing working capital

    Instrument 158862 · General Record Book 8, pp. 143–147 · recorded February 16, 2018. · Reviewed Oct 31, 2026.

    All five pages read. Replaces original working-capital language with a dated one-time $1,000 assessment at purchase closing from the developer or a current owner. This is not verified current monthly dues; obtain a current closing/association statement.

  • Silverock Cove eleventh amendment: maintenance and insurance

    Instrument 165213 · Deeds Book 335, pp. 63–80 · recorded March 4, 2019 · effective April 1, 2019. · Reviewed Oct 31, 2026.

    All 18 pages read. Effective April 1, 2019, removes the old association unit-exterior provision and revises owner-unit versus association common-element insurance and casualty duties, including rowhome provisions. Read with earlier text; current policies, services, charges and later amendments remain unverified.

Document summaries preserve the source's stated scope. Current amendments and the requirements for your exact lot still need confirmation.

Location, size & lake details

Postal cities and counties describe the listing’s reported location. They do not establish lake frontage or neighborhood boundaries. Restriction filters select vacant land using the MLS Restricted? answer, not a permission review. Reviewed-use filters require approved property-specific records; unknowns are excluded. Combined options require no identified private restrictions, the selected home class allowed and no identified minimum size within the reviewed scope. Public approvals remain separate.

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NEIGHBORHOOD LISTINGS

Active listings in Silverock Cove

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    Data checked Nov 3, 2026, 7:25 PM Central. Active listings only. Coverage reflects the connected MLS sources.

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