Pending Single Family Residence
$657,000
4-Bedroom Home in The Courtyard at Rowan Oak

1857 Cambridge Square, Watkinsville, GA 30677

Single Family Residence in The Courtyard at Rowan Oak, Watkinsville · No CDD on record
The Courtyard at Rowan Oak · Watkinsville, GA 30677 · Oconee County
Listing data updated October 13, 2026 at 10:31 AM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
2,277Sq Ft
2016Year Built
$289Per Sq Ft
GarageNo CDD on record4 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.
41% above
$/sq ft vs community
$289 here vs $205 median sold (12 mo)
Buyer leverage
Strong seller market
20 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 2 of 5
Price vs recent sales
Asking $657k tops 2 of the last 5 closed sales

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

Highlights

As of October 13, 2026, 1857 Cambridge Square in The Courtyard at Rowan Oak, Watkinsville is listed at $657,000 (2,277 sq ft, about $289 per sq ft). That sits within a few percent of The Courtyard at Rowan Oak's median closed sale of $664,500 over the last 12 months (6 recorded sales). Per square foot it is above the community's recent $205/sq ft by about 41%. It has been 20 days on market. Listing facts: built in 2016. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2016 · 10 yrs
  • 2,277 sq ft of living area
  • Garage
  • 20 days on market
Listing description

About this home

Welcome to luxury living in the desirable gated community of The Courtyard at Rowan Oak in Watkinsville. This beautifully appointed 4-bedroom, 3-bath, three-sided brick ranch is perfectly positioned on a quiet cul-de-sac, overlooking a charming landscaped courtyard at its center. Thoughtfully designed with elegant finishes, an open-concept layout, and a versatile bonus suite, this home offers the perfect blend of sophistication and everyday comfort.

Step inside to discover a welcoming floor plan featuring a formal dining room accented with wainscoting, crown molding, and a convenient butler's pantry-ideal for entertaining and holiday gatherings. The heart of the home is the stunning open-concept living area, where the family room showcases a stone-surround fireplace flanked by custom built-ins and a wall of windows that fills the space with abundant natural light. The gourmet kitchen is a chef's dream, complete with granite countertops, an oversized center island, stainless steel appliances, built-in microwave, double wall ovens, electric cooktop with a stylish vent hood, and generous cabinetry for storage and prep space.

Whether hosting guests or enjoying everyday meals, this kitchen is designed to impress. The spacious primary suite offers a peaceful retreat with a large walk-in closet and a luxurious en-suite bath featuring dual vanities and an oversized tiled walk-in shower. Two additional bedrooms share a well-appointed full bath, while the upper-level bonus room with its own full bath provides exceptional flexibility as a fourth bedroom, guest suite, media room, home office, or hobby space.

Step outside to the covered patio with a ceiling fan, where you can relax with your morning coffee, entertain guests, or simply enjoy the peaceful surroundings in comfort throughout the seasons. Residents of the gated Rowan Oak community enjoy an exceptional lifestyle with outstanding amenities, including a clubhouse, swimming pool, tennis courts, pickleball courts, playground, scenic walking trails, and beautifully maintained common areas. Located just minutes from award-winning Oconee County schools, shopping, dining, and everyday conveniences, this exceptional home offers the perfect combination of luxury, convenience, and community in one of Watkinsville's most sought-after neighborhoods.

All 47 photos

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Description provided by Mark Spain Real Estate and reproduced from the MLS; not independently verified.

Listing courtesy of Mark Spain Real Estate · Listing agent: Mark Spain · 770-886-9000Provided 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$657,000
Bed / bath4 / 3
Living area2,277 sq ft
Year built2016
Property typeSingle Family Residence
GarageYes
MLS #10808065
Listing statusPending

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyOconee
Area listings0 active · 1 under contract
Estimated first-year tax~$6,898/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$289
Estimated monthly payment$4,432
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$664,500

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

$4,432/mo
  • Principal & interest $3,639/mo 82%
  • Taxes $575/mo 13%
  • Insurance $218/mo 5%

$4,432/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.)
~$6,898/yr

Estimate: a typical Oconee 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
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

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 Oconee County, GA: overall Very 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 Low
LightningRelatively Low
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.

Momentum Research · The Courtyard at Rowan Oak

Pricing & the The Courtyard at Rowan Oak market

How this home is priced against recent nearby sales, and where The Courtyard at Rowan Oak 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 sales2011 Prince Place2011 Prince Place: $245/sq ft$2451511 Cambridge Sq.1511 Cambridge Sq.: $271/sq ft$271This homeThis home: $289/sq ft$289Community median $205
Property timeline

This home’s history

  • 2016BuiltPer public record
  • Sep 2, 2026First seen on movewithmomentum.comObserved at $657,000
  • NowUnder contractCurrently pending

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 $657,000Momentum Realty · on market 20 days
Public records

Building permits

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

Comparable recent sales

Only 2 closed sales within about 10 miles in Oconee County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.

Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

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 Oconee County in the last 18 months. Only 2 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 2,277 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 13, 2026.

Momentum Scores

Momentum Property Score

45/100
Strongest on: Market liquidity (81), Affordability (52)
0 limited50100 exceptional

45/100 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 area0
This home $289/sq ft vs the community 12-month median $205/sq ft.
Affordability52
List price $657,000 vs the community median $664,500. Not a measure of personal affordability.
Market liquidity81
Community median 24 days on market (12-month record).
Pricing power48
Recent sales closed at about 98.5% of original asking (~1.5% below). More room below asking generally favors buyers.

Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 0.0 months of supply in the surrounding market and 20 days on market for this home, against a 24-day area median.Days on market:this home 20Area median:  24 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. As of September 20, 2026.

🟡 Asking $289 per square foot, about 41% above the community’s $205 median. The Courtyard at Rowan Oak’s 12-month median sold price per square foot is $205. Confidence: Low · 6 closed sales in 12 monthsMLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

Recent The Courtyard at Rowan Oak sales closed near 98.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Georgia MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Mark Spain Real Estate · MLS # 10808065

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Keep looking

Similar homes for sale near The Courtyard at Rowan Oak

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 Watkinsville

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  • 1611 Tappan Spur Road, Watkinsville · $524,900 · 3 bd / 2.5 ba · listed October 3, 2026 (courtesy of Southern Classic Realtors)
  • 1106 Mill Pointe, Watkinsville · $545,000 · 3 bd / 3.5 ba · listed September 30, 2026 (courtesy of Broad & Main Real Estate Group)
  • 1051 Copperville Drive, Watkinsville · $574,900 · 5 bd / 3.5 ba · listed September 26, 2026 (courtesy of Coldwell Banker Upchurch Realty)
  • 1251 Summit Circle, Watkinsville · $650,000 · 3 bd / 2.0 ba · listed September 24, 2026 (courtesy of Greater Athens Properties)

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

Go deeper

More on The Courtyard at Rowan Oak

Go deeper on The Courtyard at Rowan Oak

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 Oconee 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.

Malcom BridgeAssigned elementary school · Oconee County School District
Malcom BridgeAssigned middle school · Oconee County School District
North OconeeAssigned high school · Oconee 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 1857 Cambridge Square, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2016: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • 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 Oconee County; age of roof and any prior claims affect the premium.
  • Listed living area is 2,277 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 $6,898/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 salesFewer than 3 defensible closed sales within about 10 miles in Oconee 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 1857 Cambridge Square and when was it built?

Per the listing record, 1857 Cambridge Square was built in 2016 and has 2,277 sq ft of living area, 4 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 1857 Cambridge Square in?

1857 Cambridge Square is in The Courtyard at Rowan Oak in Watkinsville, Oconee 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.

How are property taxes on 1857 Cambridge Square estimated?

The estimate on this page (about $6,898 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 1857 Cambridge Square 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.