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3243 Cleveland Hwy, Gainesville, GA, 30506

2beds
1baths
912sqft
$340,000
$373price/sqft
$2,283/moest. monthly cost
$91,320/yrincome needed

About This Home

Currently zoned V-C, this property offers incredible potential for residential use, office space, a short-term rental, or convenient dock access with boat storage. The lot extends towards the point overlooking the open waters of Lake Lanier, with the dock location to be situated on the point rather than in a cove. Ideally located just minutes from downtown Gainesville on the north end of Lake Lanier, the property includes a dock and is permitted for a 32'L x 32'W dock. Estate-owned and sold AS-IS.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

3/10
6/10
North Hall Middle SchoolGrades 6-84.7 mi
8/10
North Hall High SchoolGrades 9-124.9 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1924

Materials

  • Foundation: None
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Other
  • Laundry features: None

Basement

  • Basement: Crawl Space

Bedroom

  • Features: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Features: None

Features

  • Other
  • Window features: None
  • Flooring: None
  • Number of fireplaces: 1
  • Fireplace features: Brick
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 912
  • Total interior livable area: 912 sqft

Kitchen

  • Features: None

Master Bathroom

  • Features: None

Master Bedroom

  • Features: None
  • Level: None

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 10139 000100
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: None
  • Exterior features: None,Covered Dock/1 Slip,Dock,Dock Permit
  • Spa features: None
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Waterbody name: Lanier

Lot

  • Lot size: 0.53 Acres
  • Features: Back Yard,Wooded
  • Lot size dimensions: 57 x 369

Parking

  • Parking features: None

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Hail
Inland Flooding
Ice Storm
Strong Wind

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 $1,719$20,628
Home Insurance *$150$1,800
Property Taxes $195$2,340
Electricity $219$2,637
Total$2,283$27,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,274/yr
40% on housing$68,490/yr
45% on housing$60,880/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$373This listing

vs Other Active Listings

Avg $/sqft

ZIP 30506$223
Hall County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 30506$198
Hall County$185

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
2026-04-28Listed for sale$340,000

For Sale by Agent

AgentMeredith Owings
BrokerageThe Norton Agency

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