Pending Single Family Residence
$595,000
5-Bedroom Home in Waterstone

11 Watertstone Drive, Cartersville, GA 30121

Single Family Residence in Waterstone, Cartersville
Waterstone · Cartersville, GA 30121 · Bartow County
Listing data checked against the MLS November 11, 2026 at 8:37 PM ET · rechecked hourly
5Bedrooms
4.5Bathrooms
6,498Sq Ft
2004Year Built
$92Per Sq Ft
Garage5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
37% below
$/sq ft vs community
$92 here vs $147 median sold (12 mo)
Buyer leverage
Buyer advantage
87 days on market
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $595k tops 12 of the last 12 closed sales

Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

11 Watertstone Drive in Waterstone, Cartersville is listed at $595,000 (6,498 sq ft, about $92 per sq ft). That is 49% above Waterstone's median closed sale of $398,500 over the last 12 months (6 recorded sales). Per square foot it is below the community's recent $147/sq ft by about 37%. It has been listed Aug 16, 2026, longer than the community's typical 23 days to contract. Listing facts: built in 2004. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • Built 2004 · 22 yrs
  • 6,498 sq ft of living area
  • Garage
  • Listed at $595,000 — recent neighborhood median sale price ~$398,500 (nearby sales; deemed reliable, not an appraisal)
  • listed Aug 16, 2026
Listing description

About this home

Beautiful Craftsman-style home featuring 5 bedrooms, 4.5 bathrooms, 3,249 square feet and hardwood floors throughout the main level. The spacious kitchen overlooks the living room, creating an open layout that's perfect for everyday living and entertaining. Relax in the primary suite with a spa-like bath featuring a soaking tub, Walk in shower and a walk-in closet.

The large basement offers endless possibilities for additional living, recreation, or storage. Enjoy the fully fenced backyard with plenty of room to play or entertain, plus a custom dog condo complete with heating, air conditioning, and electricity. Not one but TWO sitting porches to choose from to enjoy your morning cup of coffee, a gorgeous front porch overlooking the beautifully landscaped yard next to the magnolia tree or the screened in back porch large enough to host an evening dinner.

A wonderful combination of space, comfort, and unique amenities makes this home a must-see! The home is located just minutes from Interstate 75 and a short drive to Downtown Cartersville! Best Features of the home: - Spacious kitchen with ample counter and cabinet space.

- Kitchen opens up to the eat in kitchen and Livingroom. - Master is on the main floor featuring a renovated bathroom with a soaking tub, tiled walk-in shower and a walk-in closet! - Hardwoods throughout the main floor living area.

- Large sitting porch in the front, screened in back porch and an outdoor patio. - Home sits on a basement that is partially finished and carpeted. - The rest of the basement is unfinished but has great storage options!

- Beautifully landscaped yard with a dog condo that is not only air conditioned/heated but has electricity too! Replacements/Improvements Roof Replaced - 2018 Septic cleaned- July 2026 HVAC Serviced- June 2026 HVAC Replaced- 2022 Master Bathroom Remodeled- 2018

All 40 photos

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Description provided by Hometown Realty and reproduced from the MLS; not independently verified.

Listing courtesy of Hometown Realty · Listing agent: Susan Parker · 770-505-7766Provided 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.
How it stacks up

Comparable recent sales

5 closed sales within about 10 miles in Bartow County 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: $398,500 ($147/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.

Property facts & sources

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

List price$595,000
Bed / bath5 / 4.5
Living area6,498 sq ft
Year built2004
Property typeSingle Family Residence
GarageYes
MLS #10797101
Listing statusPending

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyBartow
Estimated first-year tax~$6,248/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$92
Estimated monthly payment$3,993
Insurance (illustrative)$2k–$4k/yr
Messtimate range$643,302 – $753,768
Comparable-sales median$398,500

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$3,993/mo
  • Principal & interest $3,225/mo 81%
  • Taxes $521/mo 13%
  • Insurance $248/mo 6%

$3,993/mo at 20% down, 30-yr @ 7.18% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$6,248/yr

Estimate: a typical Bartow effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
Not reported

The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
Not on record

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk

Natural hazard risk

FEMA National Risk Index for Bartow County, GA: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneVery Low
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireVery Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Moderate
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherRelatively Low

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 — how to check availability for this address
Connectivity

Internet & broadband

Fiber
Check availability

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
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Waterstone

Pricing & the Waterstone market

How this home is priced against recent nearby sales, and where Waterstone 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 per sq ft · this home vs. recent nearby sales17 Bartlett Drive17 Bartlett Drive: $63/sq ft$63This homeThis home: $92/sq ft$9220 Spring Lake Trail20 Spring Lake Trail: $99/sq ft$9911 Rock Ridge Court11 Rock Ridge Court: $115/sq ft$11598 Twelve Oaks Drive98 Twelve Oaks Drive: $116/sq ft$11630 Crolley Lane30 Crolley Lane: $151/sq ft$151Community median $147
Property timeline

This home’s history

  • 2004BuiltPer public record
  • About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Aug 16, 2026)
  • Sep 30, 2026First seen on our siteObserved at $595,000
  • NowPendingSale pending

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.

Transparency

Price & listing history

Listed for $595,000Hometown Realty · listed Aug 16, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores

Momentum Property Score

64/100
Strongest on: Price vs area (100), Market liquidity (82)
0 limited50100 exceptional

64/100 is solid, mid-pack 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.

Price vs area100
This home $92/sq ft vs the community 12-month median $147/sq ft.
Affordability0
List price $595,000 vs the community median $398,500. Not a measure of personal affordability.
Market liquidity82
Community median 23 days on market (12-month record).
Pricing power73
Recent sales closed at about 93.4% of original asking (~6.6% below). More room below asking generally favors buyers.

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.

Momentum Research

The Momentum read

🟡 Asking $92 per square foot, about 37% below the community’s $147 median. Waterstone’s 12-month median sold price per square foot is $147. MLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Checked against the MLS November 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Hometown Realty · MLS # 10797101

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Go deeper

More on Waterstone

Go deeper on Waterstone

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

Assigned schools

Schools currently assigned to this address in Bartow 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.

CloverleafAssigned elementary school · Bartow County School District
Red TopAssigned middle school · Bartow County School District
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 11 Watertstone Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2004 (22 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 Bartow County; age of roof and any prior claims affect the premium.
  • Listed living area is 6,498 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 $6,248/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.
Provenance

Data sources & freshness

Listing recordGeorgia MLS, checked against the MLS hourly (last: November 11, 2026)
Comparable salesGeorgia MLS closed sales within about 10 miles in Bartow County, last 18 months, as of November 11, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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.

Answered before you ask

Frequently asked questions

How big is 11 Watertstone Drive and when was it built?

Per the listing record, 11 Watertstone Drive was built in 2004 and has 6,498 sq ft of living area, 5 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 11 Watertstone Drive in?

11 Watertstone Drive is in Waterstone in Cartersville, Bartow County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

How are property taxes on 11 Watertstone Drive estimated?

The estimate on this page (about $6,248 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 11 Watertstone 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.

Ready when you are

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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.

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. Florida real estate brokerage services provided by Momentum Realty LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.

Estimates, methodology & disclaimers

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.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.