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115 Settlers Point Dr, Clarkesville, GA, 30523

5beds
3baths
1,991sqft
$374,999
$188price/sqft
$3,024/moest. monthly cost
$120,960/yrincome needed

About This Home

Updated, private, and beautifully positioned on 1.20 acres in Clarkesville, this move-in ready home immediately impresses with vaulted ceilings, abundant natural light, and freshly refinished floors that set the tone the moment you walk through the front door. The spacious living room offers a cozy fireplace and a striking arched window that fills the space with warmth, character, and natural light. The updated kitchen features refreshed cabinetry, updated appliances, and a bright breakfast nook surrounded by windows. It flows effortlessly into the dining area, where detailed trim work and French doors open to the back deck, creating an ideal space for entertaining or relaxing evenings at home. The split-level layout provides a functional separation of living and sleeping areas, offering flexibility for families, guests, or a home office setup. Upstairs, generously sized bedrooms showcase neutral tones and excellent natural light throughout. Step outside to the elevated back deck overlooking a spacious backyard. A fenced portion of the yard offers room for pets or play, while the full 1.20-acre lot provides added privacy and endless possibilities. Enjoy a peaceful setting with convenient access to town, shopping, and schools. If you are searching for acreage, thoughtful updates, and move-in ready comfort, this home is a must see.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 2001

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Oven/Range (Combo),Refrigerator
  • Laundry features: In Hall

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Features: Separate Room

Features

  • High Ceilings,Tile Bath,Entrance Foyer,Vaulted Ceiling(s)
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,991
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,991
  • Total interior livable area: 1,991 sqft

Property

Details

  • Parcel number: 099 095A

Features

  • Levels: Multi/Split
  • Patio & porch: Deck
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Back Yard
  • Residential vegetation: Cleared

Lot

  • Lot size: 1.02 Acres
  • Features: Corner Lot,Level,Private

Parking

  • Total spaces: 4
  • Parking features: Garage,Garage Door Opener,Off Street,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 $1,896$22,752
Home Insurance *$166$1,992
Property Taxes $743$8,916
Electricity $219$2,637
Total$3,024$36,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,680/yr
40% on housing$90,720/yr
45% on housing$80,640/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

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 30523$216
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
2026-03-27Listed for sale$374,999
2022-05-03Sold$327,500
2020-01-31Sold$199,900
2020-01-08Pending sale$199,900
2019-12-11Listed for sale$199,900
2011-04-25Sold$140,137
2011-02-26Price change$134,620
2011-01-05Listed for sale$145,000
2006-05-01Sold$173,900

For Sale by Agent

AgentBrandon Thompson
BrokerageKeller Williams Lanier Partners

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