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125 River Lake Ct, Eatonton, GA, 31024

4beds
3baths
1,792sqft
$799,000
$446price/sqft
$5,719/moest. monthly cost
$228,760/yrincome needed

About This Home

Rare deep-water property on Lake Oconee with 296 ft of wrap-around waterfront cove - property extends all the way to the benches shown in the photos - plus a natural sandy beach in a private cove, and 8 ft of depth at the dock. The west-facing exposure means 180-degree open-water sunset views every evening, with real privacy and seclusion you can't easily find on this lake. The property runs as a licensed short-term rental on Airbnb and VRBO under Putnam County STR license #STR-2026-197, in an area where these permits are getting harder to obtain. Best of all, it comes fully furnished and ready to rent - or ready to simply enjoy as your own private lake retreat. Whether you're looking for turn-key rental income from day one or a getaway to keep all to yourself, this property delivers both. The location is ideal, set near Jumping Rock and just a short trip from the Long Shoals public boat ramp for easy lake access. There are two separate dwellings on the parcel, each served by its own independent septic system. The main home is a fully renovated 3-bedroom, 2-bath manufactured home (1,152 sq ft) with a large screened-in porch, stone fireplace, wood beam ceilings, updated kitchen, and a metal roof. The detached 2-car garage has a finished 1-bedroom, 1-bath apartment above it (640 sq ft), built in 2008, with a full kitchen, living room, vaulted ceiling, and wood-burning stove, plus a new large GE washer and dryer added in 2023. Together they comfortably sleep 8 as a rental, with room for more when enjoyed as a private retreat. The max-permitted private dock has a custom aluminum boat lift installed in 2022 (6,500 lb capacity, motorized, with canopy). The grounds include a firepit, irrigation system, lake pump, and shed.

Getting Around

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

Schools

5/10
6/10
4/10
Putnam County High SchoolGrades 9-129.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2008

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Bungalow/Cottage
  • Property subType: Single Family Residence,Manufactured Home

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Electric Water Heater,Microwave,Oven,Refrigerator
  • Laundry features: In Garage

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Features: Dining Rm/Living Rm Combo

Features

  • Master On Main Level,Separate Shower,Vaulted Ceiling(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Factory Built,Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,792
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Propane
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Kitchen

  • Features: Breakfast Area,Pantry

Property

Details

  • Parcel number: 122A002
  • Special condition: As Is

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Porch
  • Exterior features: Dock,Sprinkler System
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterbody name: Lake Oconee
  • Frontage type: Lakefront,Waterfront
  • Frontage length: Waterfront Footage: 296
  • Residential vegetation: Cleared

Lot

  • Lot size: 0.51 Acres
  • Features: Cul-De-Sac,Private,Sloped

Parking

  • Total spaces: 4
  • Parking features: Detached,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

  • Inland Flooding
    Inland FloodingVery High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Hail
Heat Wave
Ice Storm
Lightning
Strong Wind
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 $4,040$48,480
Home Insurance *$258$3,096
Property Taxes $1,202$14,424
Electricity $219$2,637
Total$5,719$68,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,080/yr
40% on housing$171,570/yr
45% on housing$152,506/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: 4.7%
4.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$446This listing

vs Other Active Listings

Avg $/sqft

ZIP 31024$240
Putnam County$243

vs Homes Sold Last Month

Median $/sqft

ZIP 31024
Putnam County$300

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
2026-06-20Price change$799,000
2026-06-05Listed for sale$849,000
2022-04-22Sold$630,000
2022-03-24Pending sale$550,000
2022-03-24Contingent$550,000
2022-03-18Listed for sale$550,000

For Sale by Agent

AgentJonathan Minerick
BrokerageHomecoin.com

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