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31 Willows Ct, Cleveland, GA, 30528

4beds
4baths
4,028sqft
$725,000
$180price/sqft
$4,813/moest. monthly cost
$192,520/yrincome needed

About This Home

Set on 2.83 private acres just minutes from downtown Cleveland, this four-sided brick residence offers over 4,000 square feet of flexible living space with direct driveway access to both the main and terrace levels—ideal for multi-generational living, work-from-home needs, or extended guest accommodations. The main level features a spacious primary suite, formal dining room seating 12+, and an open great room anchored by a fireplace and Brazilian cherry hardwood floors. The kitchen is thoughtfully designed for both everyday living and entertaining, with white cabinetry, stone countertops, double ovens, breakfast area, and access to a covered deck overlooking the wooded backyard. The finished terrace level expands the home’s versatility with three additional bedrooms, two full baths, a large family room with masonry fireplace, dedicated office, and multiple conditioned storage rooms. A separate exterior entrance and driveway access make this level well-suited for guests, home business use, or future in-law potential. Outdoor features include a covered lower patio, expansive deck system, circular front drive, and an insulated outbuilding with power—perfect for a workshop, hobby space, or equipment storage. The gently wooded acreage offers privacy without isolation, all within a quiet, established neighborhood. Located near Truett McConnell University, local wineries, hiking trails, waterfalls, and the charm of Helen and the North Georgia mountains, this property delivers space, privacy, and convenience—without sacrificing access to town. A rare opportunity to own acreage, craftsmanship, and flexibility in one of White County’s most desirable settings. Plus the Seller will provide a 1-Year Home Warranty for the Buyer.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1990

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Property

Lot

  • Lot size: 2.83 Acres

Parking

  • Total spaces: 3
  • Parking features: Carport,Driveway,Garage,Garage Door Opener,Garage Faces Side,Kitchen Level,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Inland Flooding
Ice Storm
Tornado

FEMA Declared Disasters Across Georgia Counties

Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,665$43,980
Home Insurance *$383$4,596
Property Taxes $374$4,488
Electricity $391$4,696
Total$4,813$57,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,017/yr
40% on housing$144,390/yr
45% on housing$128,346/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 30528$153
White County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 30528
White County$193

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

No price history available

For Sale by Agent

AgentJohn Dangler
BrokerageKeller Williams Realty Chattahoochee North, LLC

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