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249 Poinsettia Pl S, Sparta, GA, 31087

--beds
2baths
1,400sqft
$599,000
$428price/sqft
$4,148/moest. monthly cost
$165,920/yrincome needed

About This Home

The ideal lake getaway home, originally crafted by a builder for his personal retreat. With his expertise, he maximized every square foot, ensuring that the lower square footage translates to lower costs without compromising comfort. Nestled on a fee-simple lot in a tranquil cove at the end of a quiet road, this property features a double max boat house equipped with a boat hoist and a double jet ski hoist. The generous deck is perfect for sunbathing or fishing from your private dock, where water depths typically range from 5 to 8 feet, making it easy to dock any size watercraft. This split-level home boasts an open floor plan ideal for family gatherings. The main level includes one bedroom and one bathroom, while the lower level features two additional bedrooms, another bathroom, and a spacious flex area that can serve as a game room or den. A highlight of this home is the two lofts off the main living area, providing extra sleeping space for larger families or guests. Each loft accommodates a queen-sized bed with a pull curtain for added privacy. Enjoy two open covered porches, where the upper level features wired railings to enhance the lake views. The lower level offers an attached paver patio with a fire pit, perfect for roasting s’mores. Friendly full-time neighbors have been a great support during times when the home was not occupied. This home is zoned short term rental if you choose. Originally built in 2000, the home underwent a complete renovation in 2024, with all new appliances included in the sale. LVP flooring throughout the home to make the wet feet less stressful. The main AC unit was replaced less than 4 years ago. This home has a 22K Generac generator powering the entire home to ensure to never be powerless. The furniture, (some different than pictured) will also remain, along with the washer/dryer and a 10x12 storage shed. What makes this sale unique is we are including an extra lot less than 1/2 mile from the home. We purchased planning for camper hookups for family and friends to stay close. This lot is situated on a hill with lake views. It is a blank canvas with so many opportunities for expansion or possible rental income. This move-in-ready home is perfectly timed for warmer weather, making it an excellent investment for families seeking a lake retreat without breaking the bank. It won’t last long on the market! TEXT ONLY!!! 912-677-0788

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

2/10
Lewis Elementary SchoolGrades PK-515.6 mi
4/10
3/10
Hancock Central High SchoolGrades 9-1215.6 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bathrooms: 2

Features

  • Flooring: Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other,Electric,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,400 sqft

Property

Details

  • Parcel number: 013D031

Features

  • Exterior features: Other,Vinyl
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.60 Acres

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Drought
Hail
Heat Wave
Ice Storm
Strong Wind
Tornado
Wildfire

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 $3,028$36,336
Home Insurance *$432$5,184
Property Taxes $469$5,628
Electricity $219$2,637
Total$4,148$49,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,217/yr
40% on housing$124,440/yr
45% on housing$110,613/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 7.9%
7.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$428This listing

vs Other Active Listings

Avg $/sqft

ZIP 31087$140
Hancock County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 31087$143
Hancock County$125

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
2026-03-11Price change$599,000
2024-03-08Pending sale$495,000
2024-02-28Sold$480,000
2023-11-28Price change$495,000
2023-10-04Listed for sale$525,000
2017-08-18Sold$240,000

For Sale by Owner

AgentProperty Owner

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