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4926 Elberton Hwy, Hartwell, GA, 30643

4beds
2baths
2,660sqft
$495,000
$186price/sqft
$3,541/moest. monthly cost
$141,640/yrincome needed

About This Home

This beautiful 4-bedroom, 2-bath barndo style home offers the perfect blend of modern comfort and peaceful country living. Built in 2020 and featuring approximately 2,660 square feet, this like-new property sits on **4.98 private acres** in the heart of Hart County. With no HOA, you'll enjoy the freedom, space, and privacy of rural life while staying close to downtown Hartwell, Lake Hartwell, and the Cateechee Golf Course. Inside, the open-concept great room provides a bright and spacious setting ideal for entertaining or relaxing with family. The large kitchen, dining, and living areas flow seamlessly together for an inviting atmosphere filled with natural light. A versatile flex space can serve as a formal dining room, private home office, or study area perfect for remote work or school. The split-bedroom plan offers a private owner's suite with a walk-in closet and full bath on one side of the home, while three additional bedrooms and a full bath are located on the other for added convenience. Enjoy outdoor living at its finest with a long front porch perfect for morning coffee or evening sunsets, and a private back patio ideal for gatherings and quiet relaxation. The home sits well off the road in a serene country setting, surrounded by nature and open space for gardening, pets, or future expansion. This Hartwell property combines the best of modern construction and country charm-all within minutes of Lake Hartwell, Cateechee Golf Course, Royston, Lavonia, and the South Carolina line.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
5/10
7/10
Hart County High SchoolGrades 9-124.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2020

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Oven/Range (Combo)
  • Laundry features: Mud Room

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Dining Room

  • Features: Dining Rm/Living Rm Combo,Seats 12+

Features

  • Master On Main Level
  • Flooring: Other
  • Finished area below ground: 0
  • Finished area above ground: 2,660
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,660
  • Total interior livable area: 2,660 sqft

Property

Details

  • Parcel number: C73 016 001

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch
  • Fencing: Front Yard,Other

Lot

  • Lot size: 4.98 Acres
  • Features: Level,Pasture

Parking

  • Parking features: Attached,Garage
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm

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 $2,502$30,024
Home Insurance *$264$3,168
Property Taxes $517$6,204
Electricity $258$3,101
Total$3,541$42,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,405/yr
40% on housing$106,230/yr
45% on housing$94,426/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

$186This 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
2026-05-01Listed for sale$599,000
2026-05-01Listing removed$599,000
2026-01-05Price change$599,000
2025-10-29Price change$695,000
2025-10-09Listed for sale$795,000

For Sale by Agent

AgentShelley Phillips
BrokerageRE/MAX Classic

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