1103 Apple Pie Ridge Road, Alto, GA 30510
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 2007 · 19 yrs
- 10,180 sq ft of living area
- Garage
- 30 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2007BuiltPer public record
- Sep 2, 2026First trackedObserved at $28,000,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $143,948/mo 80%
- Taxes $24,500/mo 14%
- Insurance $11,074/mo 6%
- HOA $50/mo 0%
$179,572/mo at 20% down, 30-yr @ 6.66% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
40/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $2750 per square foot, about in line with the community’s $2750 median. Private Estate’s 12-month median sold price per square foot is $2750. 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
Updated September 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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.
Description provided by Atlanta Fine Homes - Sotheby's Int'l and reproduced from the MLS; not independently verified.
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
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.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.
Actual list price: $28,000,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- 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:
- 50 active listings competing, 5 under contract
For reference, this home is listed at $28,000,000 ($2,750/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 10,180 sq ft × $2,420–$3,080/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 3, 2026.
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.
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Atlanta Fine Homes - Sotheby's Int'l · MLS # 10757800
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Recent sales activity in Private Estate
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Private Estate neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 3, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 3, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
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 1103 Apple Pie Ridge Road 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 a typical county millage rate to the list price 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.