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828 Garner Rd, Cornelia, GA, 30531

4beds
3baths
2,702sqft
$989,000
$366price/sqft
$7,593/moest. monthly cost
$303,720/yrincome needed

About This Home

A beautifully remodeled farmhouse situated on 13.39 private acres outside Cornelia. Offering four bedrooms, three full bathrooms, and 2,702 heated square feet, this one-of-a-kind property combines timeless farmhouse character with thoughtful modern updates completed in 2024. The inviting interior features a dramatic two-story great room with a stone fireplace, a formal dining room, and a breathtaking kitchen with solid-surface countertops, stainless steel appliances, abundant custom cabinetry, and generous workspace. The main level includes the spacious owner's suite with a large walk-in closet, along with an additional bedroom and full bathroom. Upstairs, you will find two more bedrooms, a full bathroom, and a large den that provides flexible space for a home office, playroom, or second living area. Expansive wraparound porches offer the perfect place to enjoy peaceful evenings and pastoral views. The property features a beautiful mixture of open pasture and hardwoods, fenced areas for livestock, a year-round flowing creek, raised garden beds, a barn with flexible storage and workspace, a chicken coop, and several additional outbuildings with water and power. A detached garage and workshop include an electric-vehicle charging connection. Private, peaceful, and exceptionally versatile, this rare property is ready for a farm, homestead, horses, gardens, or simply enjoying country living at its finest.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
8/10
8/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1902

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Oven/Range (Combo),Stainless Steel Appliance(s)
  • Laundry features: Mud Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Dining Room

  • Features: Separate Room

Features

  • Double Vanity,Master On Main Level,Soaking Tub,Walk-In Closet(s)
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,702

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Electric,Heat Pump

Interior Area

  • Total structure area: 2,702
  • Total interior livable area: 2,702 sqft

Kitchen

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

Property

Details

  • Parcel number: 027 124A

Features

  • Levels: One and One Half
  • Stories: 1
  • Exterior features: Garden
  • Fencing: Fenced
  • On waterfront: Yes
  • Waterfront features: Creek,Stream
  • Residential vegetation: Grassed,Partially Wooded

Lot

  • Lot size: 13.39 Acres
  • Features: Level,Pasture,Private

Parking

  • Parking features: Detached,Garage,Garage Door Opener,Parking Pad,RV/Boat Parking,Storage
  • Has garage: Yes
  • 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
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Ice Storm
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 $5,000$60,000
Home Insurance *$475$5,700
Property Taxes $1,856$22,272
Electricity $262$3,150
Total$7,593$91,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$260,331/yr
40% on housing$227,790/yr
45% on housing$202,480/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$366This listing

vs Other Active Listings

Avg $/sqft

ZIP 30531$141
Habersham County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 30531$169
Habersham County$197

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
2026-07-16Listed for sale$989,000
2024-05-14Sold$500,000
2024-04-17Pending sale$499,900
2024-04-12Listed for sale$499,900
2022-06-29Listing removed$499,900
2022-06-07Listed for sale$499,900
2020-06-18Sold$299,900
2020-05-30Pending sale$329,900
2020-05-28Price change$329,900
2020-03-04Pending sale$299,900
2020-02-20Price change$299,900
2020-02-18Listed for sale$329,900
2020-01-23Pending sale$329,900
2019-12-18Price change$329,900
2019-11-06Listed for sale$349,900
2019-10-31Pending sale$349,900
2019-08-23Price change$349,900
2019-06-12Listed for sale$398,000

For Sale by Agent

AgentJerry Harkness
BrokerageKeller Williams Lanier Partners

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