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1226 Bowersville Hwy Unit 15, Hartwell, GA, 30643

4beds
3baths
2,408sqft
$414,900
$172price/sqft
$3,013/moest. monthly cost
$120,520/yrincome needed

About This Home

Experience easy lake living with this furnished three level waterfront townhome on beautiful Lake Hartwell. Whether you're looking for a full-time residence or the perfect weekend getaway, this property offers everything you need to enjoy life on the water. Spread across three levels, the townhome provides plenty of space for family and guests while maximizing the lake lifestyle buyers love. Spend your days boating, fishing, or cruising the lake with the convenience of your deeded slip in the community boat dock already in place (slip 15). When you're not on the water, relax by the community pool or take a refreshing swim from the community swim dock. Low maintenance townhome living means more time enjoying the lake and less time on upkeep. Opportunities like this on Lake Hartwell are hard to find, especially with a dock slip included. Brand new HVAC just installed 4/2026. Come see why lake life here is so special.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
5/10
7/10
Hart County High SchoolGrades 9-122.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Concrete

Type & Style

  • Home type: Townhouse
  • Architectural style: Other
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Water Heater,Microwave,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Double Vanity,High Ceilings,Tile Bath,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Hardwood,Tile
  • Finished area below ground: 0
  • Finished area above ground: 2,408
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,408
  • Total interior livable area: 2,408 sqft

Kitchen

  • Features: Kitchen Island,Pantry,Solid Surface Counters

Property

Details

  • Parcel number: C56C 026 015
  • Attached to another structure: Yes

Features

  • Levels: Three Or More
  • Stories: 3
  • Private pool: Yes
  • Pool features: In Ground,Salt Water
  • Patio & porch: Deck,Patio
  • Exterior features: Balcony,Dock,Veranda
  • Fencing: Privacy
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Corps of Engineers Control,Dock Rights,Floating Dock,Lake
  • Waterbody name: Lake Hartwell
  • Frontage type: Lakefront,Waterfront

Lot

  • Features: Level

Parking

  • Parking features: Attached,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

  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Hail
Heat Wave
Inland Flooding
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 $2,097$25,164
Home Insurance *$221$2,652
Property Taxes $462$5,544
Electricity $233$2,807
Total$3,013$36,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,302/yr
40% on housing$90,390/yr
45% on housing$80,346/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 5.4%
5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 30643$229
Hart County$229

vs Homes Sold Last Month

Median $/sqft

ZIP 30643
Hart County$175

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
2026-05-07Price change$429,000
2026-03-13Listed for sale$449,000
2019-06-25Sold$227,500
2019-06-04Pending sale$234,900
2019-03-02Listed for sale$234,900

For Sale by Agent

AgentJoanie J Haley
BrokerageAll Hart Realty

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