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400 River Cove Rd, Social Circle, GA, 30025

4beds
4baths
4,322sqft
$699,000
$162price/sqft
$5,779/moest. monthly cost
$231,160/yrincome needed

About This Home

Escape to your own private retreat that will make you feel like you are in the mountain without ever leaving Social Circle. Nestled on over 15 acres of serene, natural beauty, this one-of-a-kind rustic home offers the feel of the mountains with the convenience of nearby amenities. Complete with a peaceful pond, flowing creek, and gated entrance with a long private driveway, this property is the ultimate secluded sanctuary. From the moment you arrive, the welcoming front porch sets the tone for relaxed country living. Inside, a formal foyer opens to a warm and inviting interior featuring natural wood beam ceilings, rich textures, and abundant natural light throughout. The den and spacious great room are anchored by a massive stone fireplace, creating the perfect gathering space. Enjoy year-round views from the large sunroom, which opens onto expansive multi-level decks-ideal for entertaining or simply soaking in the surrounding landscape. The home also features a formal dining room and a charming country-style kitchen complete with a breakfast bar and sunny breakfast area. Upstairs, you'll find three bedrooms and two full baths, including a distinctive primary suite with a brick accent wall and breathtaking views. The en suite bath showcases a true antique clawfoot tub and includes three closets for ample storage. The finished basement expands your living space with a fourth bedroom, full bath, walk-in closet, second living room, and a versatile bonus room-plus plenty of unfinished storage. Step to a private patio area, perfect for enjoying the peaceful setting. This rare property offers the perfect blend of rustic charm, privacy, and functionality-your own mountain-style escape right at home. Put your personal touches on this one and make it a true gem!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

2/10
5/10
Cousins Middle SchoolGrades 6-86.8 mi
5/10
Eastside High SchoolGrades 9-123.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1981

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Country/Rustic
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: In Hall

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

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

Dining Room

  • Features: Separate Room

Features

  • Beamed Ceilings,Bookcases,Double Vanity,High Ceilings,Separate Shower,Soaking Tub,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning Stove
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 1,295
  • Finished area above ground: 3,027

Heating & Cooling

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

Interior Area

  • Total structure area: 4,322
  • Total interior livable area: 4,322 sqft

Kitchen

  • Features: Breakfast Bar,Country Kitchen,Solid Surface Counters

Property

Details

  • Parcel number: 0111000000038000

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck,Porch
  • On waterfront: Yes
  • Waterfront features: Creek,Pond

Lot

  • Lot size: 15.04 Acres
  • Features: Private

Parking

  • Total spaces: 3
  • Parking features: Attached,Carport,Garage
  • Has garage: Yes
  • Carport: Yes

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

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

How This Home’s Risks Compare

Hail
Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $3,534$42,408
Home Insurance *$379$4,548
Property Taxes $1,447$17,364
Electricity $419$5,038
Total$5,779$69,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,137/yr
40% on housing$173,370/yr
45% on housing$154,106/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 6.8%
6.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 30025$155
Newton County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 30025$188
Newton County$142

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
2026-05-07Listed for sale$699,000
1995-11-15Sold$239,300

For Sale by Agent

AgentChristie L Phillips
BrokerageKeller Williams Premier

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