3320 Spencer St, Cumming, GA, 30041
About This Home
PRICED TO SELL---OVER 100K BELOW APPRAISED VALUE!! DON'T WALK, RUN INTO THIS EQUITY!! Welcome to a rare opportunity in one of Cumming's desirable golf course communities-offering exceptional space, flexibility, and value for today's modern lifestyle. IF YOU'RE LOOKING FOR A SPACIOUS HOME WITH MULTIPLE RECREATIONAL AREAS AND A LOW-MAINTENANCE BACKYARD, THIS IS IT!! With over 5,500 square feet, this home is thoughtfully designed for those who need room to live, work, and entertain without compromise. Each generously sized bedroom features its own private bathroom, creating comfort and privacy for family and guests alike-ideal for multi-generational living AND hosting with ease. The fully updated kitchen opens seamlessly into the main living area, creating a bright and inviting space filled with A TON OF natural light throughout the day. Whether you're gathering for everyday living or entertaining, the flow of this home is both functional and welcoming. The finished basement offers a true extension of the home, complete with a full bar, 2nd kitchen, and private theater room-perfect for movie nights, game days, or creating your own retreat. Step outside and enjoy a more low-maintenance outdoor lifestyle, giving you the freedom to spend less time on upkeep and more time enjoying the amenities of this sought-after golf course community. The outdoor space is designed for relaxation and connection without the demands of a large yard. If you've been searching for a home that offers substantial square footage, versatile living spaces, and strong value in Cumming, this is an opportunity you won't want to miss. Schedule your private tour today and experience this extraordinary property for yourself.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2006
Materials
- Foundation: Brick/Mortar,Concrete Perimeter
- Roof: Composition
- Construction materials: Brick,Brick Front,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Double Oven,Dryer,Gas Cooktop,Microwave,Refrigerator
- Laundry features: Laundry Room
Basement
- Has basement: Yes
- Basement: Daylight,Finished,Finished Bath,Full,Interior Entry,Walk-Out Access
Bedroom
- Features: Oversized Master
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 7
- Full bathrooms: 7
- Main level bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Features: Seats 12+, Separate Dining Room
Features
- Double Vanity
- Window features: None
- Flooring: Carpet,Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Gas Log,Stone
- Fireplace: Yes
- Finished area below ground: 1,720
- Finished area above ground: 3,879
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Central,Electric,Forced Air,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 5,599
- Total interior livable area: 5,599 sqft
Kitchen
- Features: Cabinets White, Eat-in Kitchen, Kitchen Island, Pantry, Second Kitchen, Solid Surface Counters
Master Bathroom
- Features: Double Vanity, Separate His/Hers, Separate Tub/Shower, Soaking Tub
Master Bedroom
- Features: Oversized Master
- Level: Oversized Master
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 203 299
- Other equipment: Irrigation Equipment
- Horse amenities: None
Features
- Levels: Three Or More
- Pool features: None
- Patio & porch: Deck,Front Porch,Patio,Rear Porch
- Exterior features: None,No Dock
- Spa features: None
- Fencing: None
- Has view: Yes
- View description: Neighborhood
- Waterfront features: None
- Waterbody name: None
Lot
- Lot size: 9,583 sqft
- Features: Back Yard,Cleared,Landscaped,Level
Parking
- Total spaces: 6
- Parking features: Attached,Covered,Driveway,Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Tornado
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Strong Wind
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 | $4,348 | $52,176 |
| Home Insurance * | $319 | $3,828 |
| Property Taxes | $1,531 | $18,372 |
| Electricity | $543 | $6,527 |
| Total | $6,741 | $80,892 |
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 |
|---|---|---|
| 2026-04-29 | Price change | $859,900 |
| 2026-04-16 | Price change | $795,000 |
| 2026-04-14 | Price change | $861,000 |
| 2026-04-09 | Price change | $860,000 |
| 2026-03-31 | Price change | $861,000 |
| 2026-02-25 | Price change | $860,000 |
| 2026-01-31 | Listed for sale | $899,000 |
| 2026-01-29 | Listing removed | $949,900 |
| 2025-10-24 | Price change | $949,900 |
| 2025-09-24 | Listed for sale | $995,000 |
| 2007-05-01 | Sold | $459,500 |
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