57 days on market (MLS) Single Family Residence ▼ Price cut: $51,000 (9/25)
$1,099,000
5-Bedroom Home in Dawsonville

149 Ratcliff Drive, Dawsonville, GA 30534

Single Family Residence in Dawsonville · No CDD on record
Dawsonville, GA 30534 · Dawson County
Listing data updated October 9, 2026 at 10:47 AM ET · checked against the MLS hourly
5Bedrooms
3Bathrooms
3,266Sq Ft
2003Year Built
$336Per Sq Ft
WaterfrontGarageNo CDD on record5 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.
Highlights

As of October 9, 2026, 149 Ratcliff Drive in Dawsonville is listed at $1,099,000 (3,266 sq ft, about $336 per sq ft). It has been 57 days on market. Listing facts: built in 2003, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2003 · 23 yrs
  • 3,266 sq ft of living area
  • Garage
  • 57 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Private 10-Acre Horse & Hobby Farm with Custom Home & NO HOA - Rare opportunity to own a beautiful home and hard-to-find 10-acre farm with multiple rolling pastures, creek, stunning black board fencing, 7 stall barn, large arena, and large shelter - all just minutes from schools, shopping, dining, and less than 4 miles to GA400 for an easy commute to Atlanta. Enjoy the peace and privacy of country living while staying close to every urban convenience. Guests are greeted from the tree-lined driveway upto the home's welcoming huge rocking chair front porch, into wide foyer, bright open living spaces with beautiful hardwood flooring.

The spacious family room with fireplace, separate dining room, and oversized kitchen with center island, corner sink, breakfast area, and pasture views make this home ideal for both everyday living and entertaining. Enjoy morning coffee or dining under the stars from the back deck overlooking the farm. The main level includes a spacious primary suite with spa bath, dual vanities, separate walk-in closets, plus an additional bedroom/office with adjoining full bath and large laundry/mudroom.

Upstairs offers 3 large bedrooms, full bath, and huge bonus/game room. New Roof & Water Heater (2024). A peaceful creek runs alongside the property, creating the perfect spot to sit and relax.

The property also features peach trees, blueberry bushes, and plenty of space for gardening, animals, and outdoor living. Unfinished daylight basement with 2,120 sq ft. already framed and plumbed for a bath.

Oversized 3-car garage and additional parking pad provide ample room for vehicles, trailers, RVs, and equipment. Appointment Required - No Drive By - Animals on Property. (Tax Parcels 095 150 017 & 095 150 009 Included)

All 65 photos

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Description provided by The Norton Agency and reproduced from the MLS; not independently verified.

Listing courtesy of The Norton Agency · Listing agent: Lori Martin · 770-887-0053Provided 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$1,099,000
Bed / bath5 / 3
Living area3,266 sq ft
Year built2003
Property typeSingle Family Residence
GarageYes
MLS #10817386
Listing status57 days on market (MLS)

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyDawson
Estimated first-year tax~$11,540/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$336
Estimated monthly payment$7,514
Insurance (illustrative)$4k–$8k/yr

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

$7,514/mo
  • Principal & interest $6,087/mo 81%
  • Taxes $962/mo 13%
  • Insurance $465/mo 6%

$7,514/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.)
~$11,540/yr

Estimate: a typical Dawson 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)
$4k–$8k/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
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.

Hazard risk

Natural hazard risk

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

HurricaneVery Low
Inland floodingVery Low
Heat waveVery Low
WildfireVery Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
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.

Property timeline

This home’s history

  • 2003BuiltPer public record
  • About Aug 2026Listed (per MLS)MLS reports 57 cumulative days on market as of October 9, 2026
  • Sep 4, 2026First seen on movewithmomentum.comObserved at $1,180,000
  • Sep 6, 2026Price cut$1,150,000 (-$30,000, -2.5%)
  • Sep 25, 2026Price cut$1,099,000 (-$51,000, -4.4%)
  • 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 $1,099,000Momentum Realty · on market 57 days
Public records

Building permits

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

Comparable recent sales

No closed sales of a similar home within about 10 miles in Dawson County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Dawsonville, GA. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

The Messtimate™

The Messtimate

Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Dawson County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.

Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.

Methodology: the range would be 3,266 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 9, 2026.

Seen enough photos?

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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 The Norton Agency · MLS # 10817386

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Keep looking

Similar homes for sale near Dawsonville

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 Dawsonville

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  • 136 Poplar Drive · $305,000 · 3 bd / 2.0 ba · listed October 2, 2026 (courtesy of Keller Williams Realty Consultants)
  • 800 Seed Tick Road · $600,000 · 4 bd / 2.5 ba · listed October 2, 2026 (courtesy of Keller Williams Realty Atl. Partners)
  • 2610 Burt Creek Road · $329,900 · 3 bd / 2.0 ba · listed October 1, 2026 (courtesy of Maximum One Premier Realtors)
  • 968 Dogwood Way · $750,000 · 5 bd / 3.5 ba · listed September 29, 2026 (courtesy of Keller Williams Community Partners)

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

Assigned schools

Assigned schools

Schools currently assigned to this address in Dawson 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.

RobinsonAssigned elementary school · Dawson County School District
DawsonAssigned middle school · Dawson County School District
DawsonAssigned high school · Dawson County School District
Nearby & guides

City, county & community guides

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

City
Dawsonville

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

View →
County
Dawson

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

Community
Dawsonville

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 149 Ratcliff Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2003 (23 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 Dawson County; age of roof and any prior claims affect the premium.
  • Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
  • Listed living area is 3,266 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 $11,540/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 9, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Dawson County — no medians or automated estimate shown
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 149 Ratcliff Drive and when was it built?

Per the listing record, 149 Ratcliff Drive was built in 2003 and has 3,266 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 149 Ratcliff Drive in?

149 Ratcliff Drive is in Dawsonville, Dawson 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 149 Ratcliff Drive 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 149 Ratcliff Drive estimated?

The estimate on this page (about $11,540 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 149 Ratcliff 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

See 149 Ratcliff Drive 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.

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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.