205 Mill Creek Circle, Martin, GA 30557
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 13, 2026, 205 Mill Creek Circle in Mill Creek, Martin is listed at $879,000 (4,139 sq ft, about $212 per sq ft). It has been 114 days on market. Listing facts: built in 1996, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1996 · 30 yrs
- 4,139 sq ft of living area
- Garage
- Listed at $879,000 — recent neighborhood median sale price ~$850,000 (nearby sales; deemed reliable, not an appraisal)
- 114 days on market
- No HOA reported by the listing (confirm)
About this home
Experience the best of Lake Hartwell living at 205 Mill Creek Circle, where over 4,155 square feet of beautifully designed living space meets 116 feet of Corps frontage, offering the perfect setting for making memories with family and friends. Situated on a gently sloping lot with good water depth and an easy walk to your private double-slip dock with one boat lift, this exceptional waterfront home is ideal as a full-time residence or weekend escape. The dramatic vaulted great room is filled with natural light, featuring soaring ceilings, plantation shutters, expansive windows, and elegant French doors that showcase peaceful lake views and open to the spacious deck-creating seamless indoor and outdoor living.
The open-concept kitchen overlooks the great room with a large breakfast bar, making it the heart of the home for entertaining, holiday gatherings, and everyday living. The spacious main-level owner's suite is a true retreat with tray ceilings, arched windows, dual walk-in closets, and a luxurious ensuite bath featuring a jetted soaking tub, separate walk-in shower, and double vanity. Two additional bedrooms, a full bath, a half bath, and a custom hallway cabinet complete the main level.
Designed for hosting family and guests, the finished terrace level offers an oversized second great room, a full kitchen, a spacious bedroom with an ensuite bath and oversized walk-in closet, providing the perfect private space for extended family, visitors, or multi-generational living. Step outside to the covered patio, creating another inviting area to relax, dine, or simply enjoy the peaceful surroundings. Storage is exceptional with a two-car attached garage on the main level plus a deep lower-level garage with its own driveway-ideal for a boat, golf cart, workshop, lake toys, or additional recreational equipment.
Whether you're enjoying morning coffee overlooking the water, spending the day boating on Lake Hartwell, entertaining a house full of guests, or relaxing by the fire after a day on the lake, this home was designed to embrace the lake lifestyle. With its spacious floor plan, quality finishes, abundant storage, easy walk to the water, and 116 feet of Corps frontage, 205 Mill Creek Circle offers the perfect combination of comfort, functionality, and unforgettable waterfront living.
All 67 photos
Description provided by Hammock Realty North Georgia and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $4,869/mo 80%
- Taxes $769/mo 13%
- Insurance $415/mo 7%
$6,053/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.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Stephens County, GA: overall Very Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Mill Creek market
How this home is priced against recent nearby sales, and where Mill Creek 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.
This home’s history
- 1996BuiltPer public record
- About Jun 2026Listed (per MLS)MLS reports 114 cumulative days on market as of October 13, 2026
- Sep 2, 2026First seen on movewithmomentum.comObserved at $879,000
- 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.
Price & listing history
Building permits
Comparable recent sales
3 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 3 sales: $850,000 ($251/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Directional estimate — 3 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $879,000 — 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 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- 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:
- 82 active listings competing, 10 under contract
For reference, this home is listed at $879,000 ($212/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 4,139 sq ft × $221–$281/sq ft (±12% around the median of 3 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
The Momentum read
🟡 Asking $212 per square foot, about 16% below the community’s $251 median. Mill Creek’s 12-month median sold price per square foot is $251. 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 October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Hammock Realty North Georgia · MLS # 10781910
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Similar homes for sale near Mill Creek
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 Mill Creek
- 263 S Pond Street · $145,000 · 2 bd / 1.0 ba · listed October 9, 2026 (courtesy of James O. Hayes Realty Inc.)
- 218 Alban Court · $119,000 · 3 bd / 1.5 ba · listed October 9, 2026 (courtesy of Beycome Brokerage Realty LLC)
- 217 Combs Avenue · $160,000 · 3 bd / 2.0 ba · listed October 8, 2026 (courtesy of Keller Williams Lanier Partners)
- 946 Riverdale Road · $375,000 · 3 bd / 2.5 ba · listed October 7, 2026 (courtesy of Talan Properties LLC)
- 75 Pressley Lane · $170,000 · 4 bd / 2.0 ba · listed October 4, 2026 (courtesy of Hammock Realty North Georgia)
- 4 Poppys Lane · $196,000 · 3 bd / 3.5 ba · listed October 3, 2026 (courtesy of VIP Realty North Georgia)
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
Schools currently assigned to this address in Stephens 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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 205 Mill Creek Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1996 (30 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 Stephens 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 4,139 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 $9,230/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.
Data sources & freshness
| Listing record | Georgia MLS, checked against the MLS hourly (last: October 13, 2026) |
| Comparable sales | Georgia MLS closed sales within about 3 miles, last 18 months, as of October 13, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 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.
Frequently asked questions
How big is 205 Mill Creek Circle and when was it built?
Per the listing record, 205 Mill Creek Circle was built in 1996 and has 4,139 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 205 Mill Creek Circle in?
205 Mill Creek Circle is in Mill Creek in Martin, Stephens County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 205 Mill Creek 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 205 Mill Creek Circle estimated?
The estimate on this page (about $9,230 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 205 Mill Creek 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.
See 205 Mill Creek Circle in person
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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.