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103 Cottage Grove Cir, Eatonton, GA, 31024

2beds
2baths
1,228sqft
$296,949
$242price/sqft
$1,971/moest. monthly cost
$78,840/yrincome needed

About This Home

Discover **Cottage Grove**, Putnam County's newest premier neighborhood-where stylish design meets effortless living. Introducing the Buckhead Plan. This easy living 2 bedroom/2bath ranch will be thoughtfully crafted with upgraded features throughout, including granite or quartz countertops, durable waterproof luxury vinyl plank flooring in main living areas, and cozy gas log fireplaces anchoring the great room. The upgraded kitchens shine with pantries and stainless steel appliance packages, perfect for both everyday living and entertaining. Bedrooms offer generous closet space and plush carpet, while the expansive primary suite features a larger footprint and a private ensuite bath. Enjoy quiet mornings and relaxing evenings on your private rear patio, all in a fantastic location. Masterfully built by premium builders, Cottage Grove delivers quality, comfort, and timeless appeal.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
6/10
4/10
Putnam County High SchoolGrades 9-125.2 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Asphalt/Comp Shingle
  • Construction materials: Hardy Board

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Separate Shower,Solid Surface Counters,Walk-In Closet(s)
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,228
  • Total interior livable area: 1,228 sqft

Property

Details

  • Parcel number: 097 060001 040
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch
  • Exterior features: Walkways
  • Has view: Yes
  • View description: None
  • Waterfront features: None,Lake Access (None),No Seawall
  • Topography of land: Level

Lot

  • Lot size: 6,969 sqft
  • Features: Rural

Parking

  • Total spaces: 1
  • Parking features: 1 Car Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Strong Wind
Cold Wave
Hail
Heat Wave
Ice Storm
Lightning
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 $1,501$18,012
Home Insurance *$96$1,152
Property Taxes $155$1,860
Electricity $219$2,637
Total$1,971$23,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,577/yr
40% on housing$59,130/yr
45% on housing$52,560/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: 4.7%
4.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 31024$244
Putnam County$247

vs Homes Sold Last Month

Median $/sqft

ZIP 31024
Putnam County$300

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
2026-01-27Price change$296,949
2026-01-23Listed for sale$269,949

New Construction

AgentDanielle Copeland
BrokerageRooftop Realty, LLC

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