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3740 Highway 48, Summerville, GA, 30747

4beds
5baths
3,840sqft
$2,700,000
$703price/sqft
$20,177/moest. monthly cost
$807,080/yrincome needed

About This Home

Gamble Springs Some properties are inherited from a generation. Gamble Springs was inherited from a century. Built in 1836 - two years before Chattooga County itself was carved out of Floyd and Walker - the home stands on land where Cherokee families farmed Raccoon Creek bottom and where Sherman, ten minutes up the road, telegraphed Lincoln his plan for the March to the Sea. The bricks were made here. The stones were laid here. The springs that still flow today are the same springs that built it. One hundred and ninety years later, the springs still run. The bottomland still holds deer. The pastures still pay. And the home - restored to the studs, with original mantels, wood-paneled walls, and brick - is ready for its next steward. Mornings on Gamble Springs start with the sound of water - the spring that fed Cherokee families two hundred years ago still pulls down through the hardwood bottom before first light. The deer move out of the creek edge into the pastures. The magnolias hold the drive in shadow. By the time the coffee is poured on the screened porch, you have already remembered why people don't sell places like this. Water is the wealth. Multiple constantly flowing natural springs feed the property year-round, anchored by a main spring framed in professionally laid stonework that feels less like an improvement and more like the heart of the place. Water flows down through the hardwood bottom along Raccoon Creek - a stream named for an old Cherokee town two miles south, near present-day Berryton. In the Ridge-and-Valley Appalachians, springs of this volume and consistency are not a feature. They are the asset. They cannot be drilled, replaced, or replicated. The 123 acres are composed for both work and pleasure. Five established hunting blinds sit across a property where edge habitat, hardwood bottom, and constant water have built consistent wildlife activity over decades. Three fenced pastures generate grazing or income. A reinforced bridge crosses the creek. Multiple homesites give the next owner room to grow into the property without ever leaving it. Behind a gated entrance lined with magnolias and anchored by brick columns stands the 3,840 square foot home. The bricks were made on the property - fired from on-site clay, almost certainly with water drawn from the same springs that still run today. Original stone fireplaces remain in several rooms. Original wood-paneled walls from 1836 still cover the second-floor interiors. The chimneys were rebuilt with the original brick. A 2023 restoration brought the home fully current without compromising its historic character: new aluminum-clad Jeld-Wen windows and wood doors, new roof, two new HVAC systems with whole-house dehumidification, encapsulated crawlspace, foam insulation, new floor system with steel support columns, new hardwood floors, updated kitchen and laundry, reconstructed Tennessee fieldstone front porch and fieldstone additions in the living and laundry rooms, automated blinds, and new lighting, trim, and paint throughout. Infrastructure was rebuilt to match: new septic with dual drainage fields, water filtration with softener and UV purification, a 26 kW Generac whole-house generator, high-speed fiber to both house and shop, full camera and security system with automated gate access, upgraded power to the shop, an outdoor grill and kitchen with gas service, gas fireplaces with remote-operated logs, and new landscaping with horse rail fencing from the entrance to the residence.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Menlo Elementary SchoolGrades PK-83.9 mi
5/10
Chattooga High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1836

Notable Dates

  • Major remodel year: 2023

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Microwave,Oven,Washer,Stainless Steel Appliances

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 5

Features

  • Finished area above ground: 0

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 3,840 sqft

Kitchen

  • Features: Granite Counters

Property

Details

  • Parcel number: 0002700000022
  • Lease amount: 0

Features

  • Patio & porch: Patio,Covered Porch,Screened Porch
  • Fencing: Fenced
  • Has view: Yes
  • View description: Private,Scenic,Wooded

Lot

  • Lot size: 123 Acres
  • Features: Trees

Parking

  • Parking features: Carport
  • Carport: 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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Georgia Counties

Flood
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 $13,652$163,824
Home Insurance *$2,321$27,852
Property Taxes $3,831$45,972
Electricity $373$4,477
Total$20,177$242,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$691,782/yr
40% on housing$605,310/yr
45% on housing$538,053/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: 17.5%
17.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$703This listing

vs Other Active Listings

Avg $/sqft

ZIP 30747$152
Chattooga County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 30747$136
Chattooga County$119

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
2026-05-22Listed for sale$2,700,000
2026-01-28Listing removed$3,300,000
2025-11-18Listed for sale$3,300,000
2023-01-04Sold$1,300,000
2023-01-04Pending sale$1,400,000
2022-11-15Listed for sale$1,400,000
2022-11-07Contingent$1,500,000
2022-11-07Pending sale$1,500,000
2022-09-15Listed for sale$1,500,000

For Sale by Agent

AgentJonathan Curtis Kohler
BrokerageKOHLER & ASSOCIATES

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