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318 E Mourning Dove Ct, Monticello, GA, 31064

5beds
3baths
3,556sqft
$739,000
$208price/sqft
$5,871/moest. monthly cost
$234,840/yrincome needed

About This Home

Just an hour from the fast-paced energy of Atlanta, you'll find a completely different world-peaceful, private, and welcoming-right here at Jackson Lake. Tucked inside the highly sought-after Turtle Cove community, this fully renovated lake home offers the perfect escape from the busy city lifestyle, where quiet mornings, friendly neighbors, and endless outdoor enjoyment become part of your everyday life. Welcome to your move-in-ready retreat, where the current owners have just completed an extensive transformation, including NEW profession extrior paint and much more, allowing you to start enjoying the property from day one. Every detail has been thoughtfully updated so you can spend less time on projects and more time soaking in the natural beauty, privacy, and exceptional lakefront setting this home provides. Set on an impressive 1.62-acre lot with generous shoreline and deep, clear water, the home is designed for both comfort and connection. The main level features a spacious primary suite along with two additional bedrooms, creating an ideal layout for easy living. The lower level offers two more bedrooms, providing privacy and flexibility for guests or extended family. A large recreation room anchors the lower level, creating the ultimate gathering space complete with room for games and full 5.1 surround sound system-perfect for movie nights or game days. Outdoor living is where this property truly shines. A stunning 60-foot composite deck with sleek vertical cable rails offers incredible views of the lake while maintaining a safe, open design. Portions of the deck are directly accessible from the primary suite and a secondary bedroom, creating private spaces to unwind. The deck is also wired for outdoor entertainment making it ideal for hosting friends and family. Just below, an 80-foot brick paver patio expands your entertaining space even further, leading to a covered outdoor kitchen that is ready for everything from casual cookouts to full-scale gatherings. With generous counter space, a built-in grill, burners, and sear station, plus room for a smoker or pizza oven, this area is designed to impress. The gently terraced yard provides multiple functional spaces, including a flat main terrace perfect for games like badminton, croquet, or spikeball. Thoughtful lighting in the trees allows for evening play, while shaded afternoons make it comfortable even in the warmer months. Two firepit areas-one professionally installed near the home and a more rustic setting by the water-offer perfect spots to relax and enjoy cool evenings by the lake. Down at the shoreline, located in a peaceful cove ideal for swimming, you'll find a maximum-allowed double covered slip dock with a swim platform and powered boat lift. Whether you enjoy boating, fishing, or simply floating in the calm water, this setup makes lake life effortless and enjoyable. Additional features include a durable metal roof, all lake-facing doors and windows replaced in 2022 with built-in blinds, a new water heater, a spacious shop and mechanical room, a separate laundry room, and a cozy wood-burning fireplace that adds warmth and charm to the interior. Life in Turtle Cove extends beyond your property, offering access to a wide range of amenities including multiple beaches, a clubhouse with indoor and outdoor pools, a bar and restaurant, tennis and pickleball courts, a golf course, playgrounds, and a vibrant calendar of activities for all ages. It's a community where neighbors become friends and every day offers something new to enjoy. This is more than just a home-it's a lifestyle defined by relaxation, recreation, and connection, all within easy reach of the city yet worlds away from its noise. Reach out today to schedule your private showing and experience this exceptional lakefront property for yourself.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

4/10
4/10
Jasper County High SchoolGrades 9-127.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1989

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Oven/Range (Combo),Refrigerator,Washer
  • Laundry features: Mud Room

Basement

  • Has basement: Yes
  • Basement: Bath Finished,Exterior Entry,Finished,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Beamed Ceilings,High Ceilings,Master On Main Level,Tray Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Hardwood,Laminate,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Masonry
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 1,778
  • Finished area above ground: 1,778

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,556
  • Total interior livable area: 3,556 sqft

Kitchen

  • Features: Breakfast Area,Breakfast Bar,Kitchen Island,Pantry

Property

Details

  • Parcel number: 019D 407

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Balcony,Dock
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Privileges,Swim Dock
  • Waterbody name: Jackson Lake
  • Frontage type: Lakefront,Waterfront
  • Frontage length: Waterfront Footage: 160
  • Residential vegetation: Grassed,Wooded

Lot

  • Lot size: 1.50 Acres
  • Features: Sloped

Parking

  • Parking features: Kitchen Level,Parking Pad,RV/Boat Parking
  • Has uncovered spaces: 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

  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Tornado

FEMA Declared Disasters Across Georgia Counties

Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $3,736$44,832
Home Insurance *$422$5,064
Property Taxes $1,368$16,416
Electricity $345$4,145
Total$5,871$70,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,291/yr
40% on housing$176,130/yr
45% on housing$156,560/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: 4.1%
4.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 31064$186
Jasper County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 31064$180
Jasper County$174

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
2026-03-19Listed for sale$739,000
2012-03-09Sold$165,500
2005-02-24Sold$190,000

For Sale by Agent

AgentWally H Cawthon
BrokerageLake Homes Realty LLC

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