14 days on market (MLS) Single Family Residence
$1,275,000
3-Bedroom Home in Elko

2101 Elko Road, Elko, GA 31025

Single Family Residence in Elko · No CDD on record
Elko, GA 31025 · Houston County
Listing data updated October 18, 2026 at 10:30 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
3,191Sq Ft
1920Year Built
$400Per Sq Ft
GarageNo CDD on recordFEMA Zone X
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.
161% above
$/sq ft vs community
$400 here vs $153 median sold (12 mo)
Buyer leverage
Seller-leaning
14 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~433 ft elevation
$6k–$12k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $1.27M tops 12 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 18, 2026, 2101 Elko Road in Elko is listed at $1,275,000 (3,191 sq ft, about $400 per sq ft). It has been 14 days on market. Listing facts: built in 1920, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1920 · 106 yrs
  • 3,191 sq ft of living area
  • Garage
  • Listed at $1,275,000 — recent neighborhood median sale price ~$471,000 (nearby sales; deemed reliable, not an appraisal)
  • 14 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

"The Rock House" on Ross Hill is a wonderful multi-structure property set on 12+ beautiful acres, surrounded by the perpetual protection of a Deeded Conservation Easement (1296 acres), which ensures this property remains a private, wooded retreat forever. Featuring a historic stone Craftsman home built 1918, the storied stone walls were built from rock gathered directly from the property, measuring an astonishing 18 inches thick. A century-old reminder of resilience, craftsmanship and the stories carried by stone, the front porch features deep-set windows that welcome in the morning sun.

Interior finishes include Longleaf Heart Pine and oak floors, Cypress and Pecky Cypress walls. Kitchen features stone counter tops, custom cabinetry, SubZero refrigeration and stainless-steel appliances. Property has nearly unlimited potential as a legacy family estate, bed and breakfast, agricultural estate, or preservation-minded retreat Estate is being sold in turn-key condition, and also has a wonderfully spacious unfinished addition with dramatic framework, totaling 1100+ sq ft.

which is currently closed off- hidden- and accessible as attic space, inviting buyers to bring their contractor, creativity, and long-term vision. The delightfully cozy-yet-stylish Barn/Event Space was completed in 2016 and features an exterior fully clad in Bald Cypress. This beautiful wood is native to Georgia, and is prized for its natural resistance to insects/rot, as well as exceptional longevity.

Standing Seam metal roof Interior is equipped with 2 HVAC systems (capable of comforting crowds of 150+), stained concrete floor, 1/2 bath (handicap accessible), bar, commercial warming oven and ice machine, wood-burning stove, Wi-Fi and remotely/locally controlled irrigation system. The outdoor infrastructure includes an insulated workshop, equipment shed, two fenced paddocks, and a small horse barn with a tacking area. Nestled atop one of the highest points in the county, the property on which The Rock House sits is of impressive archaeological significance.

The focal point is an ancient stone wall located near the rear of the property, reported to have been a Native American gathering/worship site before the arrival of Europeans, and likely much older (potentially dating back millennia). Beyond the peaceful tranquility, this idyllic location is 2 miles to the charming city of Perry, the Georgia National Fairgrounds and Agricenter and the University of Georgia Grand Farm. Property has been pre-qualified for private helipad

All 23 photos

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Description provided by Beycome Brokerage Realty LLC and reproduced from the MLS; not independently verified.

Listing courtesy of Beycome Brokerage Realty LLC · Listing agent: Steven T Koleno · 804-656-5007Provided 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$1,275,000
Bed / bath3 / 2
Living area3,191 sq ft
Year built1920
Property typeSingle Family Residence
GarageYes
MLS #10799582
Listing status14 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~433 ft
CountyHouston
Estimated first-year tax~$13,388/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$400
Estimated monthly payment$8,870
Insurance (illustrative)$6k–$12k/yr
Messtimate range$440,358 – $622,245
Comparable-sales median$471,000

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

$8,870/mo
  • Principal & interest $7,062/mo 80%
  • Taxes $1,116/mo 13%
  • Insurance $692/mo 8%

$8,870/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.)
~$13,388/yr

Estimate: a typical Houston 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)
$6k–$12k/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 insurance not federally mandated (Zone X). 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
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~433 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 Houston 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 Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Moderate
DroughtRelatively Moderate
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 · Elko

Pricing & the Elko market

How this home is priced against recent nearby sales, and where Elko 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 sales204 Amberley Court204 Amberley Court: $131/sq ft$131141 Pearl Moss Lane141 Pearl Moss Lane: $138/sq ft$13824 Willow Moss Way24 Willow Moss Way: $147/sq ft$1472022 Melrose Place2022 Melrose Place: $159/sq ft$159162 Talton Road162 Talton Road: $195/sq ft$195188 Talton Road188 Talton Road: $199/sq ft$199This homeThis home: $400/sq ft$400Community median $153
Property timeline

This home’s history

  • 1920BuiltPer public record
  • Sep 4, 2026First seen on movewithmomentum.comObserved at $1,275,000
  • 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.

Transparency

Price & listing history

Listed for $1,275,000Momentum Realty · on market 14 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 10 miles in Houston County 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: $471,000 ($153/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.

Momentum Scores

Momentum Property Score

36/100
Strongest on: Flood safety (95), Insurance cost (50)
0 limited50100 exceptional

36/100 is limited 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 $400/sq ft vs the community 12-month median $153/sq ft.
Affordability0
List price $1,275,000 vs the community median $471,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~433 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1920 build. Obtain a property-specific quote.

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

🟡 Asking $400 per square foot, about 161% above the community’s $153 median. Elko’s 12-month median sold price per square foot is $153. 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 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Beycome Brokerage Realty LLC · MLS # 10799582

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Keep looking

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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 Houston 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.

Kings ChapelAssigned elementary school · Houston County School District
PerryAssigned middle school · Houston County School District
PerryAssigned high school · Houston County School District
Nearby & guides

City, county & community guides

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

City
Elko

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

County
Houston

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

Community
Elko

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 2101 Elko Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1920 (106 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.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Houston County; age of roof and any prior claims affect the premium.
  • Listed living area is 3,191 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 $13,388/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 18, 2026)
Comparable salesGeorgia MLS closed sales within about 10 miles in Houston County, last 18 months, as of October 18, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
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 2101 Elko Road and when was it built?

Per the listing record, 2101 Elko Road was built in 1920 and has 3,191 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 2101 Elko Road in?

2101 Elko Road is in Elko, Houston County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 2101 Elko Road 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 2101 Elko Road estimated?

The estimate on this page (about $13,388 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 2101 Elko Road in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 2101 Elko Road 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.