New — 2 days on market Single Family Residence
$499,990
3-Bedroom Home in Davis Estates

140 Julia Ann Circle, Athens, GA 30606

Single Family Residence in Davis Estates, Athens · No CDD on record
Davis Estates · Athens, GA 30606 · Clarke County
Listing data updated October 13, 2026 at 10:20 AM ET · checked against the MLS hourly
3Bedrooms
2.5Bathrooms
1999Year Built
GarageNo CDD on record
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.
Buyer leverage
Seller-leaning
2 days on market
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 12
Price vs recent sales
Asking $500k tops 8 of the last 12 closed sales

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

Highlights

As of October 13, 2026, 140 Julia Ann Circle in Davis Estates, Athens is listed at $499,990. It came to market within the past week. Listing facts: built in 1999, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1999 · 27 yrs
  • Garage
  • Listed at $499,990 — recent neighborhood median sale price ~$355,500 (nearby sales; deemed reliable, not an appraisal)
  • New to market
  • No HOA reported by the listing (confirm)
Listing description

About this home

.................. OWNER FINANCING AVAILABLE! ......3.99%...........

Seller will consider owner financing with 15 % down, 3.99% .................. PITI 5 year balloon application approval required . DAVIS ESTATES !

Stunning Renovated 3 Bedroom, 2.5 Bath Home on Private Wooded - No HOA! Tucked away on a large, private wooded lot at the end of a quiet cul-de-sac, this beautifully renovated Craftsman-inspired home with coastal beach house charm is a rare find. Located near the highly desirable Five Points,West Lake Dr.

this exceptional property is just minutes from the area's renowned dining, shopping, parks, walking trails, UGA athletic facilities, Oconee Forest Park, Woodland Hills, S Milledge Ave, S Lumpkin St. Intramural Fields, and some of the most iconic locations along South Milledge Avenue. From the moment you enter the welcoming foyer, you will appreciate the updates and inviting atmosphere.

Fresh interior and exterior paint, luxury laminate plank flooring, custom blinds, designer lighting, and ceiling fans throughout create a stylish, move-in-ready home filled with warmth and character. The open floor plan is ideal for both everyday living and entertaining. A formal dining room showcases elegant basket-barrel lighting, while the spacious great room features a cozy fireplace, abundant natural light, and beautiful flanked windows overlooking the private surroundings.

The renovated kitchen is the heart of the home, offering: New cabinetry with stylish hardware, New countertops, Stainless-steel-look appliances, Center Island with sink, beaded pendant lighting Abundant cabinet storage Open views to the family room French doors lead to a large back deck, creating seamless indoor-outdoor living. The spacious primary suite serves as a private retreat with vaulted ceilings, a sitting area, walk-in closet, double vanities, soaking tub, updated shower, and new fixtures. Two additional generously sized bedrooms provide flexibility for family, guests, or home office space.

Step outside and enjoy the peaceful setting. The nearly half-acre wooded lot offers seasonal views, mature landscaping, and exceptional privacy. Sip your morning coffee on the expansive deck beneath a tranquil canopy of trees while listening to birdsong.

The backyard also features a gardening area and outdoor entertainment space with a fireplace, perfect for gatherings year-round. Beautiful landscaping includes mature oak trees, ferns, flowers, and flowering window boxes that enhance the home's distinguished curb appeal. A long driveway provides ample parking for multiple vehicles, and the garage features a freshly painted floor.

Recent Improvements Include:Luxury laminate plank flooring throughout,New kitchen cabinetry, countertops, hardware, and appliances Fresh interior and exterior paint* New custom blinds* Ceiling fans in every room& Updated designer lighting fixtures* New toilets* New Kitchen cabinets and countertops * New attic insulation* Professionally landscaped grounds* Painted garage floor*painted deck* painted bathroom cabinets * new faucets * New Appliances, new flooring throughout, With no HOA restrictions, a prime location, spectacular wooded views, and extensive renovations throughout, this home offers the perfect blend of comfort, style, privacy, and convenience. Enjoy easy access to fantastic restaurants, local boutiques, community events, concerts, festivals, playgrounds, green spaces, walking trails, biking trails, and everything that makes Five Points one of Athens' most sought-after communities. Your private sanctuary awaits.

All 37 photos

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Description provided by REMAX Around Atlanta and reproduced from the MLS; not independently verified.

Listing courtesy of REMAX Around Atlanta · Listing agent: Felina Berkhan · 770-350-7373Provided 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.
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$499,990
Bed / bath3 / 2.5
Year built1999
Property typeSingle Family Residence
GarageYes
MLS #10870525
Listing statusNew — 2 days on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~663 ft
CountyClarke
Area listings3 active · 0 under contract
Estimated first-year tax~$5,250/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Estimated monthly payment$3,433
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$355,500

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

$3,433/mo
  • Principal & interest $2,769/mo 81%
  • Taxes $438/mo 13%
  • Insurance $226/mo 7%

$3,433/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.

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.)
~$5,250/yr

Estimate: a typical Clarke 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
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

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
~663 ft

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.

Hazard risk

Natural hazard risk

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

HurricaneRelatively Low
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireVery Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Moderate
DroughtRelatively Low
HailRelatively Moderate
Cold waveRelatively Moderate
Winter weatherVery 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.

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 · Davis Estates

Pricing & the Davis Estates market

How this home is priced against recent nearby sales, and where Davis Estates 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 sales1759 Hancock Avenue1759 Hancock Avenue: $264/sq ft$264150 Greenwood Lane150 Greenwood Lane: $271/sq ft$271126 S Poplar Street126 S Poplar Street: $358/sq ft$358492 Clover Street492 Clover Street: $359/sq ft$359195 Beulah Avenue195 Beulah Avenue: $374/sq ft$374330 Pine Needle Road330 Pine Needle Road: $448/sq ft$448Community median $358
Property timeline

This home’s history

  • 1999BuiltPer public record
  • About Oct 2026Listed (per MLS)MLS reports 2 cumulative days on market as of October 13, 2026
  • Oct 9, 2026First seen on movewithmomentum.comObserved at $499,990
  • 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.

Transparency

Price & listing history

Listed for $499,990Momentum Realty · on market 2 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

6 closed sales within about 3 miles 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 6 sales: $355,500 ($358/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

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Listed by REMAX Around Atlanta · MLS # 10870525

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Keep looking

Similar homes for sale near Davis Estates

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 Athens

  • 134 Westover Drive, Athens · $445,000 · 3 bd / 3.0 ba · listed October 13, 2026 (courtesy of Keller Williams Greater Athens)
  • 205 Habersham Drive, Athens · $349,990 · 3 bd / 1.0 ba · listed October 12, 2026 (courtesy of Hendley & Associates)
  • 231 Morning Drive, Athens · $328,000 · 4 bd / 2.5 ba · listed October 11, 2026 (courtesy of Jerald Zwak Gemstone Realty)
  • 490 Barnett Shoals Road #202, Athens · $239,900 · 2 bd / 2.0 ba · listed October 11, 2026 (courtesy of Dillard Realty, Inc.)
  • 200 Riverside Drive, Athens · $429,900 · 6 bd / 4.0 ba · listed October 10, 2026 (courtesy of HomeSmart)
  • 273 Wiltshire Drive, Athens · $338,000 · 3 bd / 2.5 ba · listed October 10, 2026 (courtesy of Southern Classic Realtors)

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

In the area

Recent Davis Estates news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Oct 2026 · Development

Planning Commission backs 181-unit apartment project west of downtown Athens

Cardinal Group proposes 181 apartments with 425 bedrooms plus eight townhouses on the block bounded by West Broad, Finley, Reese and Pope streets. The six-story project has 211 parking spaces. The Planning Commission narrowly recommended the C-D rezoning on Oct. 1, and stream permits and historic review are still needed.

Why it matters: Would add rental inventory close to downtown, increasing housing supply and foot traffic west of the core if approved. The site is about 2 miles north of Davis Estates.

Flagpole

Sep 2026 · Infrastructure

SR 316 and Oconee Connector bridge work cuts lanes on the Connector

Archer Western is building two bridges to carry SR 316 over the Oconee Connector, with a separate bridge and ramps for Jimmy Daniell Road. The Connector dropped to one through lane per direction starting Sept. 18, and Jimmy Daniell Road closed Sept. 14 for about six months. Work at the intersections is projected to last at least through the end of 2028.

Why it matters: Expect multi-year lane restrictions on a key Athens to Oconee commuter route, followed by a grade-separated interchange. The site is about 3 miles west of Davis Estates.

Oconee County Observations

Go deeper

More on Davis Estates

Go deeper on Davis Estates

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 Clarke 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.

BarrowAssigned elementary school · Clarke 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 140 Julia Ann Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1999 (27 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 Clarke County; age of roof and any prior claims affect the premium.
  • Confirm square footage and room dimensions independently.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $5,250/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: October 13, 2026)
Comparable salesGeorgia MLS closed sales within about 3 miles, last 18 months, as of September 20, 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 140 Julia Ann Circle and when was it built?

Per the listing record, 140 Julia Ann Circle was built in 1999 and has 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 140 Julia Ann Circle in?

140 Julia Ann Circle is in Davis Estates in Athens, Clarke County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 140 Julia Ann Circle 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 140 Julia Ann Circle estimated?

The estimate on this page (about $5,250 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 140 Julia Ann Circle 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.