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102 Pine Tree Trce, Lavonia, GA, 30553

5beds
4baths
3,094sqft
$1,375,000
$444price/sqft
$9,506/moest. monthly cost
$380,240/yrincome needed

About This Home

Lake days are about to get a whole lot better! Located on 3.48 private acres in the highly desirable Reed Creek area of Lake Hartwell, this beautifully renovated lake home offers the perfect blend of comfort, quality, and year-round enjoyment. Completely remodeled by the current owners in 2016-2017, the home also received a new roof and HVAC during the renovation, giving you peace of mind for years to come. Inside, you'll find over 3,000 square feet with 5 bedrooms, 4 full baths, gorgeous hardwood and tile flooring, custom woodwork throughout, and a spacious custom kitchen featuring granite countertops, a gas range, and plenty of cabinet space. The primary suite is a true retreat with a beautifully tiled bath, walk-in tile shower, private access to the covered back porch, and stunning views of the lake. A secondary ensuite bedroom and an additional guest bedroom are conveniently located on the main level. The finished basement is designed for entertaining and hosting guests, complete with a movie theater/game room, two large bunk rooms, a full bath with granite countertops and a tiled shower, tile flooring, and a large storage area for all your lake gear. Outside is where this property really shines. Relax on the covered back porch with its custom outdoor fireplace, enjoy the outdoor shower after a day on the lake, or take the easy concrete walkway down to your double-slip dock with composite decking, dual Jet Ski lifts, and approximately 8 feet of water at the end of the dock. Even better-a pontoon boat is included with an acceptable offer, so you can start making memories from day one.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

8/10
6/10
7/10
Hart County High SchoolGrades 9-129.0 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1979

Materials

  • Roof: Other
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Oven/Range (Combo),Refrigerator,Washer
  • Laundry features: In Hall,Other,Upper Level

Basement

  • Has basement: Yes
  • Basement: Bath Finished,Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Dining Room

  • Features: Dining Rm/Living Rm Combo

Features

  • Other,Master On Main Level
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,094

Heating & Cooling

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

Interior Area

  • Total structure area: 3,094
  • Total interior livable area: 3,094 sqft

Kitchen

  • Features: Country Kitchen,Pantry

Property

Details

  • Parcel number: C38E 029

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Gas Grill
  • Has view: Yes
  • View description: Lake,Ocean,River
  • Has water view: Yes
  • Water view: Lake,Ocean,River
  • On waterfront: Yes
  • Waterfront features: Dock Rights,Corps of Engineers Control,Deep Water Access,Lake Privileges
  • Waterbody name: Lake Harwell
  • Frontage type: Lakefront,Waterfront
  • Frontage length: Waterfront Footage: 250
  • Residential vegetation: Wooded

Lot

  • Lot size: 3.48 Acres
  • Features: Level,Private

Parking

  • Total spaces: 3
  • Parking features: Attached,Kitchen Level
  • Has garage: 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 WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
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 $6,952$83,424
Home Insurance *$746$8,952
Property Taxes $1,508$18,096
Electricity $300$3,607
Total$9,506$114,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$325,920/yr
40% on housing$285,180/yr
45% on housing$253,493/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
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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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 5.4%
5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$444This listing

vs Other Active Listings

Avg $/sqft

ZIP 30553$174
Hart County$224

vs Homes Sold Last Month

Median $/sqft

ZIP 30553
Hart County$175

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
2026-08-18Price change$1,325,000
2026-07-02Listed for sale$1,375,000
2015-09-04Sold$332,500

For Sale by Agent

AgentBrittany Purcell & Associates
BrokerageKeller Williams Greater Athens

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