20 Clipper Cir, Hartwell, GA, 30643
About This Home
Welcome to lake life made easy at 20 Clipper Circle—a charming 400 sq ft waterfront tiny home cottage offering the perfect blend of comfort, simplicity, and fun on Lake Hartwell. This one-bedroom, one-bath retreat features an open-concept living room and kitchen, with a sliding door that opens into an additional 200 sq ft sunroom, ideal for relaxing evenings and year-round enjoyment. Located in the highly sought-after View Point, a lakefront RV community, this cottage delivers big lifestyle value without the big price tag. Enjoy vinyl siding, a durable metal roof, HVAC heat pump, screened porch, and two decks—perfect for outdoor entertaining, morning coffee, or sunset BBQs after a day on the water. Follow the community trails straight to the dock and your private covered boat slip, making lake days effortless and unforgettable. Whether you’re seeking a weekend getaway, a low-maintenance lake retreat, or an affordable way to enjoy everything Lake Hartwell has to offer, this is a rare opportunity. Come see it for yourself—schedule your private showing today and start living the lake life you’ve been dreaming of.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2000
Materials
- Foundation: Crawlspace
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Modular/Prefab
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Range,Refrigerator
Basement
- Basement: None,Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Ceiling Fan(s),Window Treatments
- Window features: Blinds,Bay Window(s)
- Flooring: Vinyl
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 400
- Total interior livable area: 400 sqft
Property
Details
- Parcel number: C77H D 016
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Deck
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Boat Dock/Slip,Water Access,Waterfront
- Waterbody name: Hartwell
- Living area range: 0-999
Lot
- Lot size: 3,484 sqft
- Features: Gentle Sloping,Outside City Limits,Subdivision,Sloped,Views,Waterfront
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
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $985 | $11,820 |
| Home Insurance * | $104 | $1,248 |
| Property Taxes | $84 | $1,008 |
| Electricity | $219 | $2,637 |
| Total | $1,392 | $16,704 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-12 | Price change | $199,000 |
| 2026-01-16 | Listed for sale | $215,000 |
| 2025-10-20 | Listing removed | $225,000 |
| 2025-06-27 | Listed for sale | $225,000 |
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