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325 Millstone Circle, Athens, GA, 30605

5beds
4baths
3,928sqft
$519,000
$132price/sqft
$3,988/moest. monthly cost
$159,520/yrincome needed

About This Home

Welcome to the Shoal Creek Farms neighborhood. This home offers the perfect blend of city amenities—including shopping and restaurants—while remaining close to Downtown Athens, Watkinsville, and the UGA campus. You also have easy access to HWY 78 for your farther excursions. The home sits on approximately 3.2 acres of bucolic woodland teeming with plant and animal life. There is also a metal accessory building, perfect for landscaping storage or a workshop. Stepping inside, you will find classic hardwood floors in the common areas, a soaring vaulted ceiling in the family room, solid-surface countertops in the kitchen, true wood cabinets, a kitchen backsplash, a trey ceiling in the Primary Suite, and much more! The primary suite is conveniently located on the first floor for easy access. This home has been well-maintained; the current sellers have taken excellent care of it for almost 30 years. Perhaps you will be the next long-term owner of this stunning property!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

3/10
Hilsman Middle SchoolGrades 6-83.7 mi
2/10
Cedar Shoals High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 1991

Materials

  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 3,928 sqft

Property

Details

  • Parcel number: 303D3 B004
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Deck

Lot

  • Lot size: 3.20 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

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

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Ice Storm
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 $2,624$31,488
Home Insurance *$162$1,944
Property Taxes $821$9,852
Electricity $381$4,579
Total$3,988$47,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,731/yr
40% on housing$119,640/yr
45% on housing$106,346/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: 6.5%
6.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$132This listing

vs Other Active Listings

Avg $/sqft

ZIP 30605$170
Clarke County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 30605
Clarke County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-20Price change$519,000
2026-06-19Listed for sale$539,000
1997-10-13Sold$207,500

For Sale by Agent

AgentTip Whatley
BrokerageJoiner & Associates, REALTORS

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