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426 Northlake Dr, Cataula, GA, 31804

3beds
3baths
2,574sqft
$459,900
$179price/sqft
$3,082/moest. monthly cost
$123,280/yrincome needed

About This Home

*Cataula* Located on a quiet cul-de-sac, this lakefront home offers a private wooded setting that feels peaceful and secluded. Inside, the kitchen has been completely updated with new cabinets, countertops, appliances, and a large island that opens into the living room with soaring ceilings and tons of natural light. There's also a separate dining room plus a bonus room that would make a great office, library, or flex space. The unfinished basement offers an additional 1,236 square feet that's already been plumbed for a future bathroom and kitchen, giving you endless possibilities for expansion, guest space, or entertaining. Additional features include a roof and HVAC replaced in 2021, a new deck and retaining wall completed in 2025, two-car garage, new flooring throughout, new paint, new light fixtures and an active termite bond!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Creekside SchoolGrades 5-63.2 mi
7/10
Harris County High SchoolGrades 9-129.3 mi

Construction

Condition

  • Year built: 1997

Materials

  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Cooling

  • Cooling features: Central Electric

Dining Room

  • Features: Separate

Features

  • Cathedral Ceiling(s),Walk-In Closet(s),Double Vanity,Entrance Foyer
  • Window features: Skylight(s)
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes

Interior Area

  • Total structure area: 2,574
  • Total interior livable area: 2,574 sqft

Kitchen

  • Features: Kitchen Island,View Family Room

Master Bathroom

  • Features: Skylights,Vaulted Ceiling(s)

Property

Details

  • Parcel number: 046 179
  • Special condition: Standard

Features

  • On waterfront: Yes
  • Waterfront features: Lake
  • Living area range: 2500-2999

Lot

  • Lot size: 1.45 Acres
  • Features: Cul-De-Sac,Private Backyard,Sloped,Wooded

Parking

  • Total spaces: 2
  • Parking features: 2-Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Lightning
    LightningVery High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Hail
Heat Wave
Inland Flooding
Strong Wind
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 $2,325$27,900
Home Insurance *$201$2,412
Property Taxes $306$3,672
Electricity $250$3,000
Total$3,082$36,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,668/yr
40% on housing$92,460/yr
45% on housing$82,186/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: 6.1%
6.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 31804$161
Harris County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 31804
Harris County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-26Price change$459,900
2026-06-07Listed for sale$464,900
2026-06-03Pending sale$464,900
2026-05-21Listed for sale$464,900

For Sale by Agent

AgentHeather Milner-ellison
BrokerageMilner & Harrelson, Inc

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