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176 Mill Trace Ct, Cleveland, GA, 30528

2beds
2baths
0sqft
$409,500
--price/sqft
$2,732/moest. monthly cost
$109,280/yrincome needed

About This Home

Escape to your own private 3.24-acre retreat in the highly sought-after Adairs Mill Community! This charming 2-bedroom, 2-bathroom ranch home perfectly balances classic Southern comfort with traditional interior design, expansive outdoor utility, and exclusive neighborhood perks. Step inside to discover a bright and airy open floor plan designed for effortless living and entertaining. The inviting living space is anchored by a massive brick fireplace, creating a warm centerpiece for cozy evenings. The open kitchen features a movable kitchen island, giving you the ultimate flexibility to easily adjust your layout for meal prep, casual dining, or hosting guests. Home organization is a breeze with an abundance of built-in cabinets and custom storage solutions throughout the entire home, including a huge dedicated laundry room packed with extra cabinetry. The main level flows down into a partially finished basement—offering the perfect flexible footprint for a home gym, workshop, game room, or future living space expansion. Partial kitchen is already in place. The exterior of this property is a true hobbyist dream. • Outdoor Living: Enjoy your morning coffee on the classic rocking chair front porch, or unwind completely on the spacious screened rear porch overlooking your vast, private acreage. • Massive Parking & Storage: Features both a 2-car attached garage and an additional 2-car carport, providing ample space for vehicles, boats, ATVs, or tools. • Community Perks: Enjoy community common area access directly to the pristine waters of Town Creek, perfect for kayaking, fishing, or relaxing by the water. Whether you are looking for room to breathe, exceptional storage, or a peaceful community with creek access, this Adairs Mill gem delivers it all. Schedule your tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
6/10
8/10
White County High SchoolGrades 9-123.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2004

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Microwave,Electric Range
  • Laundry features: Laundry Room,Main Level,Sink,Other

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Features: Master on Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Features: Open Concept, Separate Dining Room

Features

  • Bookcases,Cathedral Ceiling(s),Double Vanity,Walk-In Closet(s)
  • Window features: Insulated Windows
  • Flooring: Wood,Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Brick,Masonry,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,736
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Kitchen Island, Cabinets Stain, View to Family Room

Master Bathroom

  • Features: Double Vanity, Tub Only

Master Bedroom

  • Features: Master on Main
  • Level: Master on Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 006 098
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch,Rear Porch,Screened
  • Exterior features: Other
  • Spa features: None
  • Fencing: None
  • Has view: Yes
  • View description: Trees/Woods
  • Waterfront features: None
  • Waterbody name: None

Lot

  • Lot size: 3.24 Acres
  • Features: Private,Wooded
  • Lot size dimensions: 0x0x0x0

Parking

  • Total spaces: 4
  • Parking features: Carport,Garage,Garage Faces Side,Kitchen Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 2

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 $2,070$24,840
Home Insurance *$216$2,592
Property Taxes $227$2,724
Electricity $219$2,637
Total$2,732$32,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,668/yr
40% on housing$81,960/yr
45% on housing$72,853/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

--This 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)

No zestimate history available

Price History

DateEventPrice
2026-07-31Pending sale$409,500
2026-07-10Listed for sale$409,500
1998-04-01Sold$29,000

For Sale by Agent

AgentJennifer Payne
BrokerageAtlanta Communities

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