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LEWIS SMITH LAKE, ALABAMA · NEIGHBORHOOD GUIDE

Stillwater Cove

Browse Stillwater Cove listings in Winston County with a guide based on the amended declaration recorded October 28, 2026. The new record describes association and architectural governance; separate current guidelines are needed to establish many individual building and use requirements.

0Active homes & condos
2Active lots & land
$29,555Starting asking price
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LOOK BEYOND THE LISTING

Find the right place
within Stillwater Cove.

The 2026 declaration, current architectural guidelines and written confirmation of assessments and use rules.

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 Stillwater Cove

Nov 4, 2025–Nov 3, 2026

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

Closed sales
0
Observed matching MLS listings
Median sold price
Not reported
0 of 0 sales with a reported sold price
Average sold price
Not reported
0 of 0 sales with a reported sold price
Reported sales volume
$0
0 of 0 sales with a reported sold price
Average sold days on market
Not reported
0 of 0 sales with official MLS DOM

No matching closed listings were observed in this fully covered source 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 Stillwater Cove sold listings →
A CLOSER LOOK AT Stillwater 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.

Amended Declaration for Stillwater Coves Subdivision, Winston instrument 209750, Deeds Book 2026, pages 5773–5792, executed and recorded October 28, 2026. Confirm the offered lot’s coverage within the complete document set.

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

The October 28, 2026 declaration states $150 annually per residential lot as of that date, with adjustment procedures and other assessment categories. Confirm today’s dues, special assessments and lot balance directly with the association.

Stillwater Coves amended declaration · §§4.01 and 4.06 · Deeds Book 2026, pp. 5782 and 5784–5785
What neighborhood amenities are available?
Not verified

Present shared amenities, operating access and any dock or slip allocation have not been verified for the offered lot.

Stillwater Coves amended declaration · Current documents or property-specific confirmation not yet reviewed.
What size home can I build?
Confirm current terms

No numeric dwelling minimum was identified in the 2026 declaration. Obtain the separate current Architectural Guidelines and Requirements; the older 2007 minimum is not treated as current here.

Stillwater Coves amended declaration · 2026 declaration, pp. 5773–5792; §§2.02, 2.08 and 6.01–6.02 refer to separate guidelines.
What styles and plans need approval?
Document summary

The 2026 declaration requires architectural review of construction, proposed improvements and site changes, including prior written approval of the building site, under separate guidelines.

Stillwater Coves amended declaration · §§2.02, 2.08 and 6.01–6.02 · Deeds Book 2026, pp. 5775 and 5786
Are manufactured or mobile homes allowed?
Confirm current terms

No express manufactured, modular or mobile-home rule was identified in the 2026 declaration. Obtain the separate current guidelines and applicable earlier records; the absence of a clause here does not establish permission.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate guidelines not reviewed.
Can I keep or stay in an RV or camper?
Confirm current terms

The reviewed 2026 declaration does not establish a specific RV or camper parking/occupancy rule. Confirm the current guidelines, rules and applicable prior records before relying on a proposed use.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate guidelines not reviewed.
When must construction start?
Not verified

A deadline to start construction after purchase was not established from the 2026 declaration. Check the separate current guidelines and the complete governing documents.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792.
When must construction finish?
Not verified

A construction-completion period was not established from the 2026 declaration. The older 2007 completion provision is not presented as a current rule.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate guidelines not reviewed.
Can I rent through Airbnb or VRBO?
Confirm current terms

No express minimum lease term or short-term rental approval was identified in the 2026 declaration. Obtain the separate current rules and applicable earlier records before planning Airbnb or VRBO use; the old 90-day rule is not presented as current.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate current rules not reviewed.
What other rules should I know?
Document summary

The 2026 declaration allows prospective purchasers to request inspection of current documents and the latest prepared financial statement. Use that process to establish the complete current requirements.

Stillwater Coves amended declaration · §3.11 · Deeds Book 2026, p. 5782

All 20 recorded-preview pages reviewed and the instrument confirmed in the official index. Separate architectural guidelines, bylaws and current rules were not reviewed. Earlier 2007 size, rental and construction provisions are not presented as current rules; their interaction with the new declaration remains unresolved. 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 2026 declaration describes ownership-linked association membership and association governance. The current bylaws, architectural guidelines and operating rules remain necessary parts of the document set.

    Stillwater Coves amended declaration · §§2.16, 2.22–2.23 and 3.01 · Deeds Book 2026, pp. 5776–5777
Building & ownership notes

The available document copies state:

  • Proposed improvements, construction and site changes are governed by an architectural-review process and separate Architectural Guidelines and Requirements; building sites require prior written approval.

    Stillwater Coves amended declaration · §§2.02, 2.08 and 6.01–6.02 · Deeds Book 2026, pp. 5775 and 5786

  • The declaration provides for annual, special and default assessments. It states $150 per residential lot annually as of October 28, 2026, with adjustment procedures; confirm the current amount and any additional assessments with the association.

    Stillwater Coves amended declaration · §§4.01 and 4.06 · Deeds Book 2026, pp. 5782 and 5784–5785

  • Prospective purchasers may request inspection of the current documents and the latest prepared financial statement under the declaration.

    Stillwater Coves amended declaration · §3.11 · Deeds Book 2026, p. 5782
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 official index confirms the new 2026 amended declaration and its recorded pages. The document has its own amendment procedures; this review does not establish the absence of later changes.

    Stillwater Coves amended declaration · 209750 · Deeds Book 2026, pp. 5773–5792 · October 28, 2026 Winston County probate record search · 209750 · Deeds Book 2026, pp. 5773–5792 · October 28, 2026

  • The original declaration is separately indexed. This earlier record is an archive trail, not the source for current size, lease or construction rules in this guide.

    Winston County probate record search · 68739 · Deeds Book 270, pp. 936–960 · recorded June 11, 2007
Before you buy: a property checklist
  • Can the association supply the current architectural guidelines, bylaws, operating rules and latest financial statement?
  • What annual or special assessments and road-maintenance obligations apply to this lot now?
  • What recorded lake-access, shared-slip or dock rights accompany this particular lot?
  • What water service, septic approvals and buildable-area constraints apply to the planned home?
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, 7:27 PM Central · 2 matching active listings.

  • LOT 9 STILLWATER COVE →

    Priced to sell, this 2.70-acre lot offers a beautiful, private wooded setting with a flat ready-to-build homesite in the desirable, restricted Stillwater Cove Community.

    Lake & Coast Real Estate Co. · MLS #26-188

  • LOT 27 STILLWATER COVE →

    You are not far from the town of Double Springs and Duncan Bridge by boat.

    Lake Homes Realty · MLS #25-1440

Land restriction answers in the MLS

Across 2 matching active land listings:

Restricted? Yes
2
Restricted? No
0
Not reported
0

These are listing-broker answers. A No answer does not establish a particular building or rental use.

Sources, document scope & review dates
  • Stillwater Coves amended declaration

    Winston instrument 209750 · Deeds Book 2026, pp. 5773–5792 · recorded October 28, 2026. · Reviewed Oct 31, 2026.

    All 20 pages of the newly recorded declaration were reviewed. Separate architectural guidelines and the complete current document set were not supplied; earlier 2007 use provisions are not treated as current here.

  • Winston County probate record search

    Instrument 209750 · Deeds Book 2026, pp. 5773–5792 · October 28, 2026. · Reviewed Oct 31, 2026.

    The official index and 20-page recorded preview confirm instrument 209750. The original declaration is separately indexed as 68739, Deeds Book 270, pages 936–960; the effect on particular older provisions requires the complete governing document set.

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 Stillwater Cove

2 properties · Showing 1–2

Smith Lake scope and subdivision matched to MLS-reported names.

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    Listing data provided by Walker County Area MLS through Flexmls IDX. Listings of other real estate firms are identified by the listing brokerage. Information is deemed reliable but is not guaranteed; buyers should verify all information. Availability may change.

    Data checked Nov 3, 2026, 7:27 PM Central. Active listings only. Coverage reflects the connected MLS sources.

    GET TO KNOW THE AREA

    Explore Stillwater Cove.

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    Map points show reference locations and MLS-reported properties.

    Community pins are reference locations, not entrances or subdivision boundaries. A highlighted tax parcel belongs to the selected listing’s map reference and may not include all land offered for sale. Nearby parcels are not assumed to be part of the community or listing. Confirm boundaries, access and rights with recorded documents and a survey.

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