126 White Oak Trl, Cumming, GA, 30028
About This Home
Gorgeous MODERN FARMHOUSE located on a cul-de-sac 1+ acre fenced lot in a beautiful neighborhood with NO HOA! This property also includes an additional 1/3 acre lot that is a separate parcel and would be a great place for a small family compound (in law house) or workshop. Step inside and enjoy the gorgeous finishes that were picked by an HGTV featured designer, including custom tile, custom fixtures, accent walls, cabinetry, mirros and more! The main floor features gorgeous wide plank hardwood floors throughout and a fabulous home office that is currently being used a bar/rec area. Enjoy special meals in the dining room that easily seats 12 and is connected to the gourmet kitchen. The chef in the family will love the Thermador appliances, Wolf 36-inch, 6 burner cooktop and huge prep island. The custom pantry blends modern design with practical functionality and leads to the remodeled half bath with custom paint, cabinet and gorgeous decorative mirrors. You will love the oversized family room and expansive deck that overlooks the completely private & wooded backyard that backs to conservation land (no neighbors behind!). A full guest suite with private bath is completes the main level. Keep the family close with all main bedrooms located on the 2nd floor, along with the laundry room and a large media/rec room. The primary suite boasts trendy paint colors and a relaxing spa bath that includes his and her walk-in closets. There is tons of storage and future expansion potential in the huge terrace level that is ready to finish and features 10 foot ceilings. The 3 car garage includes an EV charger and bay for a 24 foot boat--no need to pay for expensive boat storage! With over 1 acre of land, bring your chickens and grow your own food in the raised garden beds. This is truly a special property you must see to appreciate. You will love the quiet location in the top rated Cherokee school district and only 20 minutes to Cumming City Center and 15 minutes to the Burger Bus in Ball Ground. Welcome Home!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2018
Materials
- Foundation: Concrete Perimeter
- Roof: Ridge Vents,Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Double Oven,Dryer,Gas Cooktop,Gas Water Heater,Microwave,Range Hood,Refrigerator,Washer
- Laundry features: In Hall,Laundry Room,Sink,Upper Level
Basement
- Has basement: Yes
- Basement: Bath/Stubbed,Full,Unfinished,Walk-Out Access
Bedroom
- Features: Oversized Master
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Features: Seats 12+, Separate Dining Room
Features
- Crown Molding,Double Vanity,Entrance Foyer 2 Story,High Ceilings 9 ft Main,High Speed Internet,His and Hers Closets,Recessed Lighting,Tray Ceiling(s),Walk-In Closet(s)
- Window features: Double Pane Windows,Insulated Windows
- Flooring: Carpet,Hardwood
- Number of fireplaces: 1
- Fireplace features: Family Room,Gas Log,Gas Starter
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 4,448
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 4,448
- Total interior livable area: 4,448 sqft
Kitchen
- Features: Breakfast Room, Cabinets White, Kitchen Island, Pantry, Stone Counters, View to Family Room
Master Bathroom
- Features: Double Vanity, Separate Tub/Shower, Soaking Tub
Master Bedroom
- Features: Oversized Master
- Level: Oversized Master
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 03N22D 013
- Other equipment: Irrigation Equipment
- Horse amenities: None
Features
- Levels: Three Or More
- Pool features: None
- Patio & porch: Covered,Deck,Front Porch
- Exterior features: Private Yard,Rain Gutters
- Spa features: None
- Fencing: None
- Has view: Yes
- View description: Neighborhood,Trees/Woods
- Waterfront features: None
- Waterbody name: None
Lot
- Lot size: 1.36 Acres
- Features: Back Yard,Cul-De-Sac,Front Yard,Private,Sprinklers In Front,Sprinklers In Rear
Parking
- Total spaces: 3
- Parking features: Driveway,Garage,Garage Door Opener,Garage Faces Side,Kitchen Level,Level Driveway
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: 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
- Cold Wave
- Tornado
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 | $6,042 | $72,504 |
| Home Insurance * | $403 | $4,836 |
| Property Taxes | $687 | $8,244 |
| Electricity | $432 | $5,185 |
| Total | $7,564 | $90,768 |
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 |
|---|---|---|
| 2026-05-12 | Pending sale | $1,195,000 |
| 2026-05-08 | Listed for sale | $1,195,000 |
| 2024-09-13 | Sold | $1,050,000 |
| 2024-08-09 | Pending sale | $1,150,000 |
| 2024-08-02 | Contingent | $1,150,000 |
| 2024-07-18 | Price change | $1,150,000 |
| 2024-07-10 | Price change | $1,175,000 |
| 2024-04-18 | Listed for sale | $1,200,000 |
| 2022-09-27 | Sold | $995,000 |
| 2022-08-15 | Pending sale | $995,000 |
| 2022-07-25 | Listed for sale | $995,000 |
| 2022-07-25 | Listing removed | $995,000 |
| 2022-07-20 | Listed for sale | $995,000 |
| 2022-06-10 | Pending sale | $995,000 |
| 2022-06-04 | Listed for sale | $995,000 |
| 2022-06-03 | Contingent | $995,000 |
| 2022-06-02 | Listed for sale | $995,000 |
| 2018-10-24 | Sold | $619,515 |
| 2018-08-25 | Pending sale | $619,515 |
| 2018-08-24 | Listed for sale | $619,515 |
For Sale by Agent
View on Zillow