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164 Creek Stone Dr, Hartwell, GA, 30643

4beds
3baths
2,469sqft
$429,900
$174price/sqft
$2,827/moest. monthly cost
$113,080/yrincome needed

About This Home

SUMMER SPECIAL!!! ENJOY AN UP TO $7,500 INCENTIVE TOWARDS CLOSING COSTS OR INTEREST RATE BUY DOWN WITH PREFERRED LENDER, JACOB DUKES - FAIRWAY MORTGAGE WHEN CLOSED BY 07/31/26! ASK ABOUT OUR CASH PURCHASE INCENTIVES! Introducing this Charming 4BR/3BA 1.5 Story Primary Suite on Main Level Home on Over 1.33+ Acres with Luxurious Finishes, Peaceful Pasture Views, & Majestic Hardwoods off your back porch. Welcome home to this beautifully crafted 4 bedroom, 3 bathroom retreat set on a picturesque 1.33+ acre pasture lot. From the inviting covered front porch to the covered back patio with stunning tongue and groove ceilings, every detail is designed for comfort and timeless appeal. Step inside to find luxury vinyl plank (LVP) flooring throughout-no carpet anywhere-an airy open-concept layout, and a cozy wood-burning stone-front fireplace that anchors the main living space. The heart of the home is the chef-inspired kitchen, complete with a freestanding kitchen island, granite countertops, soft-close cabinetry, and contemporary finishes that exude style and functionality. The sink is located in the kitchen island overlooking your main living space, perfect for entertaining & watching THE BIG GAME! The owner's suite features a tray-ceiling, spa-worthy bath complete with huge double vanity, tiled shower for ultimate relaxation, & expansive walk-in closet that connects to your laundry for ultimate convenience and privacy. The guest bath on main offers 2-sinks perfect for multi-generational living. Upstairs, you'll experience an oversized guest suite perfect for additional guests, home office space, or craft room, not to mention another full bath! Every home includes a full builder-backed 1-year warranty and a 2-part orientation and walk-through process to ensure a smooth, confident transition into your new home. *As an added bonus, take advantage of special incentives when using our preferred lender-making your path to homeownership even more rewarding! This is more than just a home-it's where modern comfort meets classic countryside charm. Come live the Creekstone lifestyle today! Welcome to Creekstone - A Hidden Gem in the Heart of Hartwell, Georgia. Discover Creekstone, Hartwell's newest luxury lake-town community nestled off Jane Road, just minutes from the charm of downtown Hartwell and the scenic Reed Creek area of Lake Hartwell. Designed for those who crave the serenity of country living without sacrificing convenience, Creekstone offers a rare blend of rural elegance and modern accessibility. Set on expansive 1+ acre pasture lots, this picturesque enclave features beautifully crafted ranch and 1.5-story homes starting from the high $300Ks-each home thoughtfully positioned to maximize privacy, views, and connection to nature. Whether you're enjoying a quiet evening on the porch or launching your boat at one of the nearby Lake Hartwell public ramps, Creekstone invites you to savor every moment. Just minutes to downtown Hartwell's boutiques, restaurants, farmers markets, and live music. Close to Reed Creek, one of Lake Hartwell's most desirable recreational corridors. Quick access to shopping, dining, and everyday essentials without the hustle of city living. Zoned for highly rated North Hart Elementary School, a favorite among local families. Only a short drive to Hart State Park, boat launches, and walking trails. Easy commute with direct access to I-85, connecting you to Atlanta, Greenville, Athens, Clemson, and beyond. Creekstone is more than a neighborhood-it's a lifestyle rooted in natural beauty, community pride, and lake-town luxury. With some of the prettiest and most desirable lots in Northeast Georgia, Creekstone offers the rare chance to live surrounded by peaceful pastures while staying connected to all the best Hartwell has to offer. Come home to Creekstone-where the lake life, land, and luxury come together.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

8/10
6/10
7/10
Hart County High SchoolGrades 9-125.3 mi

Construction

Condition

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

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Cement Siding,Concrete,Lap Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave
  • Laundry features: Common Area,In Hall,Laundry Room,Mud Room

Basement

  • Basement: None

Bedroom

  • Features: Master on Main, Split Bedroom Plan

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Features: Great Room

Features

  • Double Vanity,Entrance Foyer,Tray Ceiling(s),Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: None
  • Flooring: Ceramic Tile,Hardwood,Laminate,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Living Room,Masonry,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,469
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,469
  • Total interior livable area: 2,469 sqft

Kitchen

  • Features: Solid Surface Counters

Master Bathroom

  • Features: Double Shower, Double Vanity

Master Bedroom

  • Features: Master on Main, Split Bedroom Plan
  • Level: Master on Main, Split Bedroom Plan

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: C41068022
  • Other equipment: None
  • Horse amenities: Pasture

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Front Porch,Patio,Rear Porch
  • Exterior features: Private Yard,No Dock
  • Spa features: None
  • Fencing: None
  • Has view: Yes
  • View description: Rural
  • Waterfront features: None
  • Waterbody name: None
  • Horses can be raised: Yes

Lot

  • Lot size: 1.33 Acres
  • Features: Level,Open Lot,Pasture,Private

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener,Garage Faces Front,Kitchen Level,RV Access/Parking
  • 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

  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Hail
Heat Wave
Inland Flooding
Lightning
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 $2,173$26,076
Home Insurance *$229$2,748
Property Taxes $186$2,232
Electricity $239$2,878
Total$2,827$33,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,925/yr
40% on housing$84,810/yr
45% on housing$75,386/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

$174This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$429,900
2026-07-14Listed for sale$429,900
2026-07-14Listing removed$429,900
2026-06-17Listed for sale$429,900

New Construction

AgentALPHA PROPERTY GROUP
BrokerageHomeSmart

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