2 bedroom Townhouse at 1226 Rubble Road, Brookstone, Cumming — photo 1Front elevation
2 bedroom Townhouse at 1226 Rubble Road, Brookstone, Cumming — photo 2Living space
2 bedroom Townhouse at 1226 Rubble Road, Brookstone, Cumming — photo 3Kitchen
2 bedroom Townhouse at 1226 Rubble Road, Brookstone, Cumming — photo 4Owner's suite
2 bedroom Townhouse at 1226 Rubble Road, Brookstone, Cumming — photo 5Exterior / yardView all 36 photos →
171 days on market Townhouse
$344,900
2-Bedroom Townhome in Brookstone

1226 Rubble Road, Cumming, GA 30040

Townhouse in Brookstone, Cumming · No CDD
Brookstone · Cumming, GA 30040 · Forsyth
Listing data updated September 3, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
2007Year Built
GarageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
Highlights
  • No CDD assessment on record
  • Built 2007 · 19 yrs
  • Garage
  • 171 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 2007BuiltPer public record
  • Sep 2, 2026First trackedObserved at $344,900
  • 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.

Financing

Estimated monthly payment

$2,261/mo
  • Principal & interest $1,773/mo 78%
  • Taxes $302/mo 13%
  • Insurance $136/mo 6%
  • HOA $50/mo 2%

$2,261/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 Scores

Momentum Property Score

75/100
Strongest on: Affordability (100), Market liquidity (78)
0 limited50100 exceptional

75/100 is strong 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.

Affordability100
List price $344,900 vs the community median $595,000. Not a measure of personal affordability.
Market liquidity78
Community median 27 days on market (12-month record).
Buyer competition67
33% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power55
Recent sales closed at about 96.9% of original asking (~3.1% below). More room below asking generally favors buyers.

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.

Listing description

About this home

Move-in ready townhouse in a highly desirable community with low HOA fees and an unbeatable Cumming location! This home offers the perfect blend of warmth, character, and functionality - definitely not your typical beige box. The main level features beautiful hardwood floors throughout, a welcoming entry foyer, and a spacious great room with a cozy fireplace and custom built-in bookcases on each side.

French doors open to the patio, creating a seamless indoor-outdoor living space. The kitchen includes stainless steel appliances and pantry storage. A separate dining room with French doors - currently used as an office - offers flexible space for entertaining or working from home.

A convenient powder room completes the main level. Upstairs, the primary suite is a true retreat with French doors leading to a private deck, two walk-in closets, and an ensuite bath with double vanities, soaking tub, and separate shower. The oversized secondary bedroom currently set up as a giant craft room is large enough to function as a second primary suite and is served by a full bathroom.

The upper level also features a laundry room and an additional office space/flex area perfect for remote work, study, or hobbies. Additional highlights include: ? 3-year-old roof ?

Newer hot water heater ? Two-car attached garage ? Private outdoor spaces on both levels ?

Great layout for roommates, guests, or multigenerational living Located just minutes from GA-400, downtown Cumming, the Cumming Aquatic Center, parks, shopping, dining, and medical facilities, this home offers both convenience and lifestyle. Enjoy easy access to Lake Lanier recreation, greenway trails, and top Forsyth County amenities while still tucked into a quiet, established community. If you're looking for a home with personality, thoughtful spaces, and a fantastic location - this is the one.

Description provided by Virtual Properties Realty.com and reproduced from the MLS; not independently verified.

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$344,900
Bed / bath2 / 2
Year built2007
Property typeTownhouse
GarageYes
MLS #10695994
Listing status171 days on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyForsyth
Estimated first-year tax~$3,621/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Estimated monthly payment$2,261
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$595,000

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
Listing courtesy of Virtual Properties Realty.com · Listing agent: Miranda Gill · 770-495-5050Provided 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.
Keep looking

Similar homes for sale near Brookstone

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.

Transparency

Price & listing history

Listed for $344,900Momentum Realty · on market 171 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$3,621/yr

A rough first-year estimate only, applying a typical Forsyth rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$1k–$2k/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
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

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

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 1226 Rubble Road?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by Virtual Properties Realty.com · MLS # 10695994

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in Brookstone

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 Brookstone neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$595,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$223

Canonical 12-month median $/sq ft. Reference only.

Go deeper on Brookstone

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 Forsyth 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.

CummingAssigned elementary school · Forsyth County School District
OtwellAssigned middle school · Forsyth County School District
Forsyth CentralAssigned high school · Forsyth County School District
How it stacks up

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.

If you rent it out

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.

Estimated rent$1,581 – $2,299/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$728 – −$81At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

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.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

City
Cumming

Groceries, dining, and parks for this city — see the city guide.

County
Forsyth

Schools, taxes, and services are county-administered — see the county guide.

Community
Brookstone

Amenities and HOA/CDD detail on the neighborhood guide.

View →
Provenance

Data sources & freshness

Listing recordGeorgia MLS, refreshed twice daily (last: September 3, 2026)
Community market statsGeorgia MLS closed sales, as of September 3, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costEstimated from county rates; not a quote
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

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.

Ready when you are

See 1226 Rubble Road in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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.