20 Milam Cir SW, Cartersville, GA, 30120
About This Home
Set on a truly exceptional lot along the Etowah River, this one-of-a-kind property offers breathtaking, unobstructed views and a peaceful, serene setting that’s hard to find and even harder to leave. Imagine waking up each day to the gentle sounds of the river and ending your evenings with stunning sunsets right from your own backyard. Inside, the home features 2 bedrooms and 2 full baths with a warm, inviting layout. A classic galley kitchen flows into a cozy den, while the oversized family room steals the show with its stunning stone fireplace, custom built-ins, and beautiful beamed ceilings creating the perfect space for relaxing or entertaining. Just beyond, a light-filled sunroom provides the ultimate vantage point to soak in the river views year round. Adding even more value and versatility, the property includes a detached finished space off the carport with two additional rooms, ideal for a home office, guest space, or studio along with a large workshop in the back for hobbies, storage, or projects. One of the most unique aspects of this home is its untapped potential. Originally designed as a two-story residence, the current owner chose to complete only the main level offering a potentially rare opportunity for the next owner to expand upward and create something truly special. The possibilities are endless. Whether you're looking for a peaceful retreat, a full-time residence, or a property with room to grow, this is a rare opportunity to own a slice of riverfront paradise on the Etowah. Don’t miss your chance to make it yours. Must be shown by appointment only.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1996
Materials
- Foundation: Block
- Roof: Composition
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator
- Laundry features: Laundry Room
Basement
- Basement: Crawl Space
Bedroom
- Features: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Dining Room
- Features: None
Features
- Beamed Ceilings,Bookcases,Cathedral Ceiling(s),Vaulted Ceiling(s)
- Window features: None
- Flooring: Carpet,Stone,Vinyl
- Number of fireplaces: 1
- Fireplace features: Family Room
- Fireplace: Yes
- Finished area above ground: 1,794
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 1,362
- Total interior livable area: 1,362 sqft
Kitchen
- Features: Cabinets Stain, Eat-in Kitchen, Pantry
Master Bathroom
- Features: Tub/Shower Combo
Master Bedroom
- Features: None
- Level: None
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 0034D 0001 020
- Other equipment: None
- Horse amenities: None
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Enclosed,Front Porch
- Exterior features: Lighting,Private Yard,Rain Gutters
- Spa features: None
- Fencing: None
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front,River Access
- Waterbody name: None
Lot
- Lot size: 0.75 Acres
- Features: Back Yard
- Lot size dimensions: 310 x 100
Parking
- Total spaces: 2
- Parking features: Carport
- Has garage: Yes
- Covered spaces: 2
- Carport: Yes
- Carport spaces: 2
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
- Cold Wave
- Drought
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
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 | $2,022 | $24,264 |
| Home Insurance * | $203 | $2,436 |
| Property Taxes | $230 | $2,760 |
| Electricity | $219 | $2,637 |
| Total | $2,674 | $32,088 |
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 |
|---|---|---|
| 2026-04-24 | Listed for sale | $410,000 |
View on Zillow