103 Pineneedle Drive, Westminster, GA 29693
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 13, 2026, 103 Pineneedle Drive in Chickasaw Point, Westminster is listed at $484,000 (2,470 sq ft, about $196 per sq ft). That is 32% above Chickasaw Point's median closed sale of $365,500 over the last 12 months (9 recorded sales). Per square foot it is below the community's recent $221/sq ft by about 11%. It has been 102 days on market, longer than the community's typical 34 days to contract. Listing facts: built in 1984. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1984 · 42 yrs
- 2,470 sq ft of living area
- Garage
- Listed at $484,000 — recent neighborhood median sale price ~$365,500 (nearby sales; deemed reliable, not an appraisal)
- 102 days on market
About this home
Welcome to 103 Pineneedle Drive, a beautifully renovated unique home nestled in the highly sought-after gated waterfront community of Chickasaw Point on Lake Hartwell. Offering exceptional curb appeal, walking distance to Lake Hartwell, thoughtful and stylish upgrades, and flexible living spaces, this home is truly turnkey and move in ready for its next owner. Home Warranty Included 1yr.
The extensive renovations begin outside with a beautiful stone walkway, updated front porch featuring new steps, metal railings, lighting, and front door, plus a new garage door and opener, stone retaining wall, fresh paint, fresh landscaping, and a newly poured concrete driveway, space for multiple vehicles. Inside, luxury vinyl plank flooring flows throughout the main living areas. The completely renovated kitchen features butcher block countertops, a porcelain farmhouse sink, custom cabinetry, open shelving, handmade polished backsplash, stainless steel appliances, new Bosch dishwasher, new vent hood, and a custom pantry with glass doors.
The dining area opens seamlessly to the spacious screened porch with new ceilings, lighting, and screens, creating the perfect indoor-outdoor entertaining space overlooking the private wooded backyard. The inviting living room features a wood-burning fireplace with brick hearth and wall. Andersen insulated windows throughout the home provide abundant natural light and beautiful views of the mature landscape and quiet lot.
There are 2 cozy fireplaces in this home, one on each level. The main level includes a spacious primary suite with a renovated and updated en-suite bath and custom walk-in closet, an additional bedroom also with a walk-in closet, and a convenient main-level laundry room area. The upstairs bathroom has been updated with a double vanity, new mirrors, lighting, and additional linen storage.
The finished lower level offers incredible flexibility with a second living area featuring a propane fireplace, built-in bookcases, kitchenette, separate entrance, private bedroom suite, full bath, half bath, oversized laundry/storage room, and access to a large covered patio and single-car garage-ideal for guests, multi-generational living, or a private retreat. This home checks all of the boxes, and more! Additional improvements include reinforced and engineer-certified porch and deck supports, new retaining wall, a new grinder pump (2023), Andersen replacement windows with transferable warranty, and an easy-maintenance sodded yard with newly installed flower beds.
Bring you golf cart and enjoy the Chickasaw Point lifestyle with access to an 18-hole golf course, putting green, practice range, Olympic-sized swimming pool, staffed gated access, tennis/pickleball courts, courtesy boat dock, boat ramp, RV campground, playground, dog park, walking trails, beach area, fire pit, Gazebo picnic area, library, community center, and the on-site community restaurant and bar featuring a new chef! Conveniently located near I-85, with easy access to Anderson, Greenville, and Atlanta. A 2025 ICON i40L Lithium Golf Cart is negotiable with sale.
GE Profile W/Dryer Combo negotiable with sale. Some furniture negotiable with sale. Home Warranty Coverage 1yr Included.
This exceptional home combines modern stylish updates, flexible living space, privacy, and outstanding community amenities-offering the perfect opportunity to enjoy the Lake Hartwell lifestyle. Amenity-Rich Chickasaw Point-Move in Ready with thoughtful stylish Upgrades and Renovations throughout.
All 34 photos
Description provided by KW Western Upstate and reproduced from the MLS; not independently verified.
Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,681/mo 80%
- Taxes $424/mo 13%
- Insurance $263/mo 8%
$3,367/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Oconee County, GA: overall Very Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Chickasaw Point market
How this home is priced against recent nearby sales, and where Chickasaw Point has been over 25 years. Momentum Research analysis of Georgia MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Chickasaw Point
Each dot is a closed sale since 2023 (40 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Georgia MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $196/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
This home’s history
- 1984BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 102 cumulative days on market as of October 13, 2026
- Sep 2, 2026First seen on movewithmomentum.comObserved at $497,900
- Sep 11, 2026Price cut$494,900 (-$3,000, -0.6%)
- Sep 19, 2026Price cut$484,000 (-$10,900, -2.2%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
5 closed sales in Chickasaw Point in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 5 sales: $365,500 ($221/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 5 comparable closed sales in Chickasaw Point, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $484,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 333% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1984 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 102 days on market vs. a 34-day community median
- 9 active listings competing, 1 under contract
- ≈13.3 months of supply
- 8 closed here in the last 12 months
For reference, this home is listed at $484,000 ($196/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,470 sq ft × $83–$359/sq ft (interquartile band of 5 comparable closed sales in Chickasaw Point, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Property Score
49/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 13.3 months of supply in the surrounding market and 102 days on market for this home, against a 34-day area median.Days on market:this home 102Area median: 34 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. As of September 20, 2026.
🟡 Asking $196 per square foot, about 11% below the community’s $221 median. Chickasaw Point’s 12-month median sold price per square foot is $221. Median sold price per square foot is down 6.8% year over year. Confidence: Medium · 9 closed sales in 12 monthsMLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Chickasaw Point sales closed near 92.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Georgia MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 10 active listings in Chickasaw Point, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KW Western Upstate · MLS # 10810057
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Similar homes for sale near Chickasaw Point
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Westminster
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More on Chickasaw Point
Go deeper on Chickasaw Point
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Oconee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
View →Buyer research checklist
Items worth confirming for 103 Pineneedle Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1984 (42 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Oconee County; age of roof and any prior claims affect the premium.
- Listed living area is 2,470 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,082/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Georgia MLS, checked against the MLS hourly (last: October 13, 2026) |
| Comparable sales | Georgia MLS closed sales in Chickasaw Point, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 103 Pineneedle Drive and when was it built?
Per the listing record, 103 Pineneedle Drive was built in 1984 and has 2,470 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 103 Pineneedle Drive in?
103 Pineneedle Drive is in Chickasaw Point in Westminster, Oconee County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
How are property taxes on 103 Pineneedle Drive estimated?
The estimate on this page (about $5,082 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.
Is 103 Pineneedle Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 103 Pineneedle Drive in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.