3 bedroom Single Family Residence at 181-H Farriers Lane, Carriage Cove, Eatonton — photo 1Front elevation
3 bedroom Single Family Residence at 181-H Farriers Lane, Carriage Cove, Eatonton — photo 2Living space
3 bedroom Single Family Residence at 181-H Farriers Lane, Carriage Cove, Eatonton — photo 3Kitchen
3 bedroom Single Family Residence at 181-H Farriers Lane, Carriage Cove, Eatonton — photo 4Owner's suite
3 bedroom Single Family Residence at 181-H Farriers Lane, Carriage Cove, Eatonton — photo 5Exterior / yardView all 54 photos →
New — 4 days on market Single Family Residence ▼ Price cut: $5,000 (9/4)
$393,500
3-Bedroom Home in Carriage Cove

181-H Farriers Lane, Eatonton, GA 31024

Single Family Residence in Carriage Cove, Eatonton · No CDD
Carriage Cove · Eatonton, GA 31024 · Putnam
Listing data updated September 16, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
1,790Sq Ft
2002Year Built
$220Per Sq Ft
WaterfrontGarageNo 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.
in line with
$/sq ft vs community
$220 here vs $220 median sold (12 mo)
Buyer leverage
Balanced market
4 days on market
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

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

Highlights

As of September 16, 2026, 181-H Farriers Lane in Carriage Cove, Eatonton is listed at $393,500 (1,790 sq ft, about $220 per sq ft). It came to market within the past week. Listing facts: built in 2002, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2002 · 24 yrs
  • 1,790 sq ft of living area
  • Garage
  • New to market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 2002BuiltPer public record
  • Sep 3, 2026First trackedObserved at $398,500
  • Sep 4, 2026Price cut$393,500
  • 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

$2,631/mo
  • Principal & interest $2,044/mo 78%
  • Taxes $367/mo 14%
  • Insurance $169/mo 6%
  • HOA $50/mo 2%

$2,631/mo at 20% down, 30-yr @ 6.76% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

42/100
Strongest on: Price vs area (50), Affordability (50)
0 limited50100 exceptional

42/100 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.

Price vs area50
This home $220/sq ft vs the community 12-month median $220/sq ft.
Affordability50
List price $393,500 vs the community median $393,500. Not a measure of personal affordability.
Renovation upside27
From a 2002 build and $220/sq ft vs the community median $220/sq ft. Not a condition assessment.

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.

Momentum Research

The Momentum read

🟡 Asking $220 per square foot, about in line with the community’s $220 median. Carriage Cove’s 12-month median sold price per square foot is $220. 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 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Wake up to beautiful lake views and the easygoing lifestyle of Lake Oconee in this dreamy 3-bedroom, 2.5-bath condo. From the moment you step inside, the open main level feels bright, inviting, and made for relaxing. LVP flooring flows throughout the entire home, while crown molding adds a thoughtful finishing touch.

In the living room, a corner wood-burning fireplace creates a cozy focal point, and just beyond it, the covered porch invites you to slow down and take in the beautiful lake views. The kitchen opens naturally to the dining and living areas and features a convenient breakfast bar, making everything from quiet mornings with coffee to evenings with friends feel effortless. Upstairs, all three bedrooms and the laundry room are tucked away for added privacy and convenience.

The spacious primary suite is especially inviting, with vaulted ceilings, abundant natural light, and a cozy sitting area that makes it easy to settle in and stay awhile. And then there's the part you'll really love-the primary suite opens to its own covered porch overlooking the lake. It's the perfect little spot to enjoy your morning coffee, unwind at the end of the day, or simply watch the water and let the rest of the world fade away.

The primary bathroom continues the relaxed feel with a double vanity, soaking tub, and separate shower. Back downstairs, the 2-car garage offers plenty of room for vehicles and even makes a great place to keep your boat when you're not out enjoying the lake. This smoke-free, pet-free home has no carpet, and the association handles the exterior maintenance, giving you more time to enjoy the things that matter.

Community amenities include a sparkling pool, walking trails, and a community slip dock where you can launch into a day of boating, cast a fishing line, or simply enjoy being close to the water. Whether you're looking for a peaceful full-time home or a weekend escape, this Lake Oconee condo makes lake living feel wonderfully easy.

All 54 photos

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Description provided by Keller Williams Lake Oconee 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$393,500
Bed / bath3 / 2.5
Living area1,790 sq ft
Year built2002
Property typeSingle Family Residence
GarageYes
MLS #10839331
Listing statusNew — 4 days on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyPutnam
Estimated first-year tax~$4,407/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$220
Estimated monthly payment$2,631
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$393,500

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
Listing courtesy of Keller Williams Lake Oconee · Listing agent: Rhonda A Smith · 706-485-0088Provided 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™

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.

$347,260the mess$440,340

Actual list price: $393,500 — 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
  • 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:

  • 3 active listings competing

For reference, this home is listed at $393,500 ($220/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,790 sq ft × $194–$246/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 16, 2026.

Keep looking

Similar homes for sale near Carriage Cove

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 $393,500Momentum Realty · on market 4 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.)
~$4,407/yr

A rough first-year estimate only, applying a typical Putnam 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)
$2k–$3k/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 181-H Farriers Lane?

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 Keller Williams Lake Oconee · MLS # 10839331

Request a showing

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

Recent sales activity in Carriage Cove

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 Carriage Cove neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$393,500

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$220

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

Go deeper on Carriage Cove

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 Putnam 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.

PutnamAssigned elementary school · Putnam County School District
OtherAssigned middle school · Putnam County School District
GRADEA
PutnamAssigned high school · Putnam County School District · Grade A (Florida DOE 2025-26)
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$1,804 – $2,623/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$879 – −$142At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 181-H Farriers Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2002 (24 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • Confirm whether a mandatory HOA applies to this parcel and what it charges.
  • 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 Putnam 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 1,790 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 $4,407/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.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordGeorgia MLS, refreshed twice daily (last: September 16, 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

How big is 181-H Farriers Lane and when was it built?

Per the listing record, 181-H Farriers Lane was built in 2002 and has 1,790 sq ft of living area, 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 181-H Farriers Lane in?

181-H Farriers Lane is in Carriage Cove in Eatonton, Putnam County. The community section on this page shows recent closed sales, days on market, and active inventory for Carriage Cove from the same MLS data.

How are property taxes on 181-H Farriers Lane estimated?

The estimate on this page (about $4,407 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 181-H Farriers Lane 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 181-H Farriers Lane 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.