Nature created the setting, Cotton Lakes has created the lifestyle.

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Bernice Tharp

Montgomery & Wetumpka



Cotton Lakes

$ 118,900

The Birch

Room(s)2 baths, 3 beds
Area 1242 SF
$ 122,900

The Jasmine

Room(s)2 baths, 3 beds
Area 1337 SF
$ 140,900

The Jasmine w/ G

Room(s)2 baths, 3 beds
Area 1368 SF
$ 125,900

The Charlotte

Room(s)2 baths, 3 beds
Area 1414 SF
$ 143,900

The Charlotte W/G

Room(s)2 baths, 3 beds
Area 1438 SF
$ 127,900

The Fir

Room(s)2 baths, 3 beds
Area 1467 SF
$ 132,900

The Fir W/U

Room(s)2 baths, 3 beds
Area 1549 SF
$ 134,900

The Decatur

Room(s)2 baths, 3 beds
Area 1400 SF
$ 139,900

The Rose

Room(s)2 baths, 3 beds
Area 1475 SF
$ 142,900

The Eagle

Room(s)2 baths, 3 beds
Area 1574 SF
$ 143,900

The Camellia

Room(s)2 baths, 3 beds
Area 1525 SF


Filled with amenities, Cotton Lakes is a perfect place for families and perfect for anyone who loves the beauty of nature. So come home to Cotton Lakes. You’ll be surrounded by nature yet have all the creature comforts of modern-day living close by. We have many ponds and one central pond for all Cotton lakes residents. There is a community swimming pool. Yet is is very affordable living with only $200.00 yearly dues to keep all amenities in tip top shape. Many tree-lined lots and pond lots to choose from. We are building 3 bedroom 2 bath houses starting at $118,900. This price includes house and lot, stove, dishwasher, built in microwave, 2 inch blinds through out, landscaping. We also pay $3,000. for closing cost. We have nine floor plans to choose from and you can modify each plan in order to meet your family’s needs. We have rural development loans in this area that require 0 money down. So with a house priced at $118,900. your payment PITI would be $665.00 per month. Our prices for a 3 bedroom 2 bath house with a double car garage starts at $134,900. Payments on this house with no money down and using a Rural Development loan would be $760.00 PITI. We have other loans that may give you a lower payment if you qualify for these programs. Call me about more details concerning these loans. We have just opened a new section of Cotton Lakes. We have corner lots, cu-de-sac lots and pond lots available. In our new section we will be building with the new foam insulation as well as many money saving features as far as energy is concerned. We guarantee that your heating and cooling will not exceed $53.00 per month. We are currently giving away a free iPad to all purchasers.


Our 3 bedroom 2 bath homes start at $115.900. We have many floor plans to choose from. Our 4 bedroom 2 bath home starts at $122,900. Homes with a double car garage start at $131,900. Goodwyn Building pays $3,000.00 for you to obtain financing. We have many No Money Down programs and a representative that can help you choose the right financing for you. Bernice Tharp can help you do all kinds of creative financing from FHA loans to conventional loans, Rural Housing Loans, as well as loans that will cost you no more money in payments but can possibly pay your house off 7 to 8 years earlier than most loans. Call Bernice Tharp when it comes to financing. Ask about lower property taxes for those over 65.

Home Extras

  • Trey or Box Ceiling in Bedroom – $450
  • 2″ Faux Wood Blinds – $500
  • Keystones - $115/each
  • Extra Concrete (Drives and Patios) – $3.35/sf
  • Tile Floors in Kitchen - $7.50/sf
  • Wood Floors - $8.00/sf
  • Half Circle Window and Vaulted Ceiling - $600
  • Additional Flood Lights - $125/ea
  • Recessed Lights (Labor only)- $65/each
  • Refrigerator - $1000
  • Energywise (foam wall and roof insulation, R45 ceiling) - Included
  • Wooden Privacy Fence $14 per ft. plus $100 Per Gate
  • Lots in Plat 85, 11, 20, 22- $3,000 Extra
  • Lots in Plat 86-10, 21, 27-35- $2,000 Extra