1103 Apple Pie Ridge Road, Alto, GA 30510
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 16, 2026, 1103 Apple Pie Ridge Road in Private Estate, Alto is listed at $28,000,000 (10,180 sq ft, about $2,750 per sq ft). It has been 30 days on market. Listing facts: built in 2007, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2007 · 19 yrs
- 10,180 sq ft of living area
- Garage
- 30 days on market
- No HOA reported by the listing (confirm)
About this home
Welcome to a once-in-a-lifetime legacy property, crowned atop its own private mountain in the North Georgia Mountains-just minutes from Habersham County Airport, offering a rare level of convenience for private aviation. Encompassing over 1,100 acres, this extraordinary estate is positioned along a prominent ridgeline at approximately 1,800 feet in elevation, overlooking its own valley, lake, and rolling pastures below. With three waterfalls, an 8-acre lake, a wide, gently flowing creek, mature hardwood timber, and an extensive network of trails, this is not simply a residence-it is a world unto itself.
Beyond a gated entrance, a mile-long private drive winds its way up the mountain, revealing the estate with a sense of arrival that is both dramatic and serene, defined by complete privacy and sweeping panoramic views. The property is thoughtfully improved for both lifestyle and function, featuring a custom Sand Creek Post and Beam barn with four stalls, a lofted living space, kitchenette, half bath and laundry hookups. Overlooking the 8-acre lake, a two-bedroom, two-bath caretaker's cottage is complemented by an orchard, garden and a collection of supporting structures-including an equipment barn, a larger equipment and storage barn, and several century-old livestock and hay barns-adding both utility and a sense of legacy.
At the heart of the property, the main residence-custom-built by Richard Padgham, with architectural design by Moon Brothers Architects and interiors by William Stewart-seamlessly blends timeless Colorado Rustic architecture with refined modern finishes, creating a home that feels both enduring and sophisticated. The great room is a striking architectural centerpiece, framed by long-range mountain views, with wide-plank black walnut flooring, a soaring 24-foot vaulted ceiling anchored by hand-cut Douglas fir trusses, and one of six impressive stone fireplaces. The gourmet kitchen is equally distinguished, featuring custom cabinetry, Viking and Sub-Zero appliances, an oversized island, leathered granite countertops, radiant-heated stone floors, and a discreetly positioned walk-in pantry.
A game room with bar opens effortlessly to the outdoor kitchen and expansive stone patio. The owner's wing offers a private retreat, complete with a fireside bedroom, sitting room, spa-inspired bath, dual private bathrooms, custom closets, private balcony, and dedicated office . The expansive two-story wing, framed by walls of glass, offers a refined collection of spaces including a secondary den, private office, fitness room, and a well-appointed mudroom with abundant storage, along with an oversized laundry suite featuring a stand-up shower and half bath.
A striking architectural staircase-conceived as a true statement piece and anchored by a sculptural iron installation-ascends to three generously proportioned junior suites, each appointed with private baths, ample closet space, and access to an open, gallery-style second-level balcony. Outdoor living rivals that of a private resort, set within impeccably designed grounds where no detail has been overlooked. Multiple gathering spaces, a fireside outdoor living area, and an infinity-edge pool overlook the surrounding mountain landscape.
A fully integrated outdoor culinary space with built-in grilling, refrigeration, and bar seating seamlessly extends the home's entertaining spaces into the landscape. Additional features include an oversized three-car garage with slate flooring, abundant storage, and a temperature-controlled potting room with windows overlooking the landscaped entrance, along with a charming greenhouse, raised planting beds, and meticulously curated landscapes surrounding the residence, offering year-round color, texture, and visual interest. This is a rare and irreplaceable offering where craftsmanship, scale, and natural beauty converge in a setting that is both hidden and accessible.
All 160 photos
Description provided by Atlanta Fine Homes - Sotheby's Int'l 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 $155,093/mo 81%
- Taxes $24,500/mo 13%
- Insurance $11,074/mo 6%
$190,667/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 Banks 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.
This home’s history
- 2007BuiltPer public record
- Sep 2, 2026First seen on movewithmomentum.comObserved at $28,000,000
- 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
No closed sales of a similar home within about 10 miles in Banks County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Private Estate. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 30 days on market for this home, against a 30-day area median.Days on market:this home 30Area median: 30 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.
What’s unique here: one of only 1 active listings in Private Estate, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Atlanta Fine Homes - Sotheby's Int'l · MLS # 10757800
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Similar homes for sale near Private Estate
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 Alto
- 219 Mallard Pond Circle, Alto · $339,900 · 3 bd / 2.0 ba · listed October 10, 2026 (courtesy of Virtual Properties Realty.com)
- 734 Dawn Place, Alto · $310,000 · 3 bd / 2.5 ba · listed September 30, 2026 (courtesy of Mark Spain Real Estate)
- 314 Highland Pointe Drive, Alto · $304,900 · 3 bd / 2.0 ba · listed September 18, 2026 (courtesy of Buffington Real Estate Group)
Recently off market in Private Estate
- 4135 Leach Road · last listed $626,000 · 2026-09-29
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Private Estate
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Assigned schools
Schools currently assigned to this address in Banks 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 1103 Apple Pie Ridge Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2007 (19 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- 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 Banks County; age of roof and any prior claims affect the premium.
- Listed living area is 10,180 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 $294,000/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 16, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Banks County — no medians or automated estimate shown |
| 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 1103 Apple Pie Ridge Road and when was it built?
Per the listing record, 1103 Apple Pie Ridge Road was built in 2007 and has 10,180 sq ft of living area, 4 bedrooms and 6.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1103 Apple Pie Ridge Road in?
1103 Apple Pie Ridge Road is in Private Estate in Alto, Banks County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 1103 Apple Pie Ridge Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
How are property taxes on 1103 Apple Pie Ridge Road estimated?
The estimate on this page (about $294,000 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 1103 Apple Pie Ridge Road 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.
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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.
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 and we will review and correct or remove it promptly.
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.
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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.