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254 Loch Way, Eatonton, GA, 31024

5beds
6baths
4,100sqft
$2,100,000
$512price/sqft
$14,571/moest. monthly cost
$582,840/yrincome needed

About This Home

Stunning Modern Lakefront New Construction | 150 Ft of Lake Oconee Frontage! Experience elevated lakeside living with this architecturally striking modern home, perfectly positioned on 150 feet of prime Lake Oconee shoreline. Designed for both luxury and comfort, this 4-bedroom + flex room residence offers a seamless open-concept layout with breathtaking water views throughout. The showpiece chef’s kitchen features high-end appliances, expansive quartz countertops, and custom cabinetry, flowing effortlessly into the main living spaces and out to a spacious lake-facing deck—ideal for indoor-outdoor entertaining. The main-level primary suite is a private retreat with serene lake views, direct outdoor access, and a spa-inspired bath. Upstairs, generously sized en-suite guest bedrooms and an oversized game room with private balcony and outdoor fireplace create the perfect space for hosting and relaxing. Enjoy resort-style outdoor living with a fully equipped outdoor kitchen, oversized fire pit, max dock, concrete seawall, and flat, easy lake access. Located in a private enclave just minutes from Reynolds Lake Oconee, The Ritz-Carlton, marinas, dining, and shopping, this property is ideal as a primary residence, luxury retreat, or high-performing investment.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
4/10
Putnam County High SchoolGrades 9-125.2 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Crawl Space
  • Roof: Asphalt/Comp Shingle
  • Construction materials: Composite Siding,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Built in Microwave,Dishwasher,Range,Refrigerator,Vent Hood,Washer,Stainless Steel Appliance(s)
  • Laundry features: First Level

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Exterior Entry

Bedroom2

  • Level: First

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Cathedral Ceiling(s),Chandelier,Double Vanity,Separate Shower,Solid Surface Counters,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Tile,Wood
  • Fireplace features: Ventless,Outside,Fire Pit
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,100
  • Total interior livable area: 4,100 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 104006
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered Deck,Covered Porch
  • Exterior features: Balcony,Outdoor Kitchen
  • On waterfront: Yes
  • Waterfront features: Lake Front,Max Dock,Seawall (Concrete)
  • Frontage length: Approx Water Frontage: 150

Lot

  • Lot size: 0.64 Acres
  • Features: Landscaped,Lake Oconee Area

Parking

  • Total spaces: 2
  • Parking features: 2 Car Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Strong Wind
Cold Wave
Hail
Heat Wave
Ice Storm
Lightning
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 $10,618$127,416
Home Insurance *$679$8,148
Property Taxes $2,876$34,512
Electricity $398$4,780
Total$14,571$174,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$499,577/yr
40% on housing$437,130/yr
45% on housing$388,560/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: 4.7%
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

$512This listing

vs Other Active Listings

Avg $/sqft

ZIP 31024$237
Putnam County$240

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
2026-04-29Listed for sale$2,349,000
2025-07-16Listing removed$2,249,000
2025-07-01Listed for sale$2,249,000
2023-10-26Listing removed$500,000
2023-06-14Price change$500,000
2023-04-29Listed for sale$489,900
2022-11-12Listing removed--
2022-07-21Listed for sale$449,000
2022-05-18Pending sale$449,000
2022-05-17Contingent$449,000
2022-05-13Listed for sale$449,000
2022-03-30Sold$395,000
2022-02-23Pending sale$375,000
2022-02-15Contingent$375,000
2022-02-15Pending sale$375,000
2022-02-15Listed for sale$375,000
2021-11-29Listing removed--
2021-11-14Listed for sale$350,000
2021-10-20Pending sale$350,000
2021-10-19Contingent$350,000
2020-11-23Listed for sale$350,000
2020-11-13Sold$250,000
2020-11-11Pending sale$250,000
2020-11-11Listed for sale$250,000
2019-08-09Sold$140,000

New Construction

AgentChristopher White
BrokerageAnsley Real Estate Christie's

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