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203 Cypress Lakes Dr, Bloomingdale, GA, 31302

4beds
3baths
2,818sqft
$699,500
$248price/sqft
$4,720/moest. monthly cost
$188,800/yrincome needed

About This Home

Stunning lakefront home in Cypress Lakes, the area's only gated fly-in community. This 4-bedroom, 3-bath retreat offers 65 acres of lakeside adventure—fish from your backyard, launch a small boat for a sunset lake tour, or unwind on the expansive porch and deck overlooking serene water views. Inside, the vaulted family room features a cozy fireplace and custom built-ins, while the chef's kitchen shines with granite countertops, stainless steel appliances, and a sunny breakfast nook. The split-bedroom floor plan provides privacy for the spacious primary suite with dual vanities, jetted tub, tiled shower, and walk-in closet. Two additional bedrooms and an updated guest bath are located downstairs. Upstairs, a private bonus room with full bath, walk-in closet, and extra storage serves as the fourth bedroom, ideal for guests, a home office, or multi-generational living. Set in a picturesque community within the South Effingham School District, this exceptional home features a grand Southern-style front porch, an elegant formal dining room, a three-car garage, and beautifully manicured grounds surrounded by mature trees.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
8/10
7/10

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Shingle
  • Construction materials: Brick,Insulation

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Traditional,Low Country
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Microwave,Refrigerator,Self Cleaning Oven,Electric Water Heater
  • Laundry features: Wash/Dry Hook-up

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Add'l Bedroom Suite,Bonus Room,Bookcases,Built-in Features,Cathedral Ceiling(s),Ceiling Fan(s),Crown Molding,Entrance Foyer,Pantry,Raised Ceiling(s),Recessed Lighting,Shelving,Split Bedroom,Vaulted Ceiling(s),Eat-in Kitchen,Formal Dining Room
  • Fireplace: Yes

Interior Area

  • Total structure area: 2,818
  • Total interior livable area: 2,818 sqft

Property

Details

  • Parcel number: 0303A123

Features

  • Exterior features: Columns
  • Fencing: None

Lot

  • Lot size: 1.15 Acres
  • Features: Acreage 1-5,Aerials/Topo Avail,Cleared,Covenants,Interior Lot,Landscaped,Level,Wooded

Parking

  • Total spaces: 3
  • Parking features: 3+ Car,Garage,Garage Door Opener
  • Has garage: Yes

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

  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Cold Wave
Heat Wave
Inland Flooding
Lightning
Tornado

FEMA Declared Disasters Across Georgia Counties

Hurricane
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 $3,537$42,444
Home Insurance *$392$4,704
Property Taxes $518$6,216
Electricity $273$3,285
Total$4,720$56,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,828/yr
40% on housing$141,600/yr
45% on housing$125,866/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: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 31302$218
Effingham County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 31302$167
Effingham County$188

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

DateEventPrice
2026-05-05Price change$716,500
2026-04-03Price change$722,500
2026-02-20Price change$728,500
2025-09-24Price change$722,500
2025-08-17Listed for sale$742,500
2005-09-14Sold$420,000

For Sale by Agent

AgentMAUREEN BRYANT
BrokerageRE/MAX ACCENT

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