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495 Annandale Dr, Clarkesville, GA, 30523

5beds
4baths
4,643sqft
$975,000
$210price/sqft
$7,495/moest. monthly cost
$299,800/yrincome needed

About This Home

Welcome to 495 Annandale Dr., Clarkesville, GA 30523 - a breathtaking private country estate set on 15.77 pristine acres. This exceptional move-in-ready home offers the perfect blend of luxury, comfort, and peaceful country living, all while remaining conveniently close to town. From the moment you arrive, you'll be captivated by the beauty and privacy this property offers. Inside, the main level welcomes you with soaring ceilings, stunning exposed wood beams, and custom built-ins that create a warm yet elegant atmosphere. The thoughtfully designed floor plan features a spacious owner's suite with dual walk-in closets, along with two additional bedrooms and a full bath, providing both comfort and functionality. The heart of the home is the beautifully appointed kitchen, seamlessly flowing into the dining area, sunroom, and expansive living space - perfect for entertaining or simply enjoying the serene views of the surrounding acreage. Natural light pours through the home, enhancing every space with warmth and charm. The fully functional lower level offers incredible versatility, featuring a private guest suite with bedroom and full bath, a convenient kitchenette, and an additional den/flex room that can easily serve as a fourth bedroom, office, or second living area. Large windows and walk-through access provide beautiful views of the property and create an inviting extension of the main living space. Adding even more value is an additional 600+ square feet already equipped with heating and air, ready to be finished into the ultimate home theater, game room, fitness studio, or luxury bonus suite. You'll also appreciate the expansive storage space and the beginnings of a secure panic room, offering unique possibilities rarely found in a property like this. Whether you are looking for a private family estate, multi-generational living, or a home with room to grow, this remarkable property offers endless possibilities and unmatched potential. Experience the beauty, privacy, and luxury of country living at its finest - schedule your private showing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 2012

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Cooktop,Dishwasher,Disposal,Dryer,Ice Maker,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Upper Level

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Beamed Ceilings,Bookcases,Double Vanity,High Ceilings,In-Law Floorplan,Master On Main Level,Separate Shower,Soaking Tub,Tile Bath,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 600
  • Finished area above ground: 4,043

Heating & Cooling

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

Interior Area

  • Total structure area: 4,643
  • Total interior livable area: 4,643 sqft

Property

Details

  • Parcel number: 098 010E

Features

  • Levels: Two
  • Stories: 2
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 15.77 Acres
  • Features: Open Lot

Parking

  • Parking features: Attached,Garage,Garage Door Opener,Parking Pad
  • 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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Inland Flooding
Ice Storm
Landslide
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 $4,930$59,160
Home Insurance *$434$5,208
Property Taxes $1,680$20,160
Electricity $451$5,413
Total$7,495$89,940
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$256,971/yr
40% on housing$224,850/yr
45% on housing$199,866/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

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 30523$215
Habersham County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 30523$209
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
2026-04-10Price change$975,000
2026-01-23Price change$1,150,000
2025-11-17Listed for sale$1,299,999
2016-02-26Sold$420,000
2012-06-22Sold$102,000
2011-08-30Sold$83,000
2005-11-03Sold$233,711

For Sale by Agent

AgentAlica Morris
BrokerageAll Hart Realty

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