Active Single Family Residence
$2,100,000
3-Bedroom Home in Harbor Club

2731 Club Drive, Greensboro, GA 30642

Single Family Residence in Harbor Club, Greensboro · No CDD on record
Harbor Club · Greensboro, GA 30642 · Greene County
Listing data updated October 10, 2026 at 7:24 AM ET · checked against the MLS hourly
3Bedrooms
3.5Bathrooms
3,556Sq Ft
2020Year Built
$591Per Sq Ft
WaterfrontGarageNo CDD on record
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.
138% above
$/sq ft vs community
$591 here vs $248 median sold (12 mo)
Buyer leverage
Strong buyer advantage
7.6-month supply
7.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$6k–$11k/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 $2.10M 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 10, 2026, 2731 Club Drive in Harbor Club, Greensboro is listed at $2,100,000 (3,556 sq ft, about $591 per sq ft). That is 150% above Harbor Club's median closed sale of $840,000 over the last 12 months (78 recorded sales). Per square foot it is above the community's recent $248/sq ft by about 138%. It came to market within the past week. Listing facts: built in 2020, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2020 · 6 yrs
  • 3,556 sq ft of living area
  • Garage
  • Listed at $2,100,000 — recent neighborhood median sale price ~$840,000 (nearby sales; deemed reliable, not an appraisal)
  • Active listing
Listing description

About this home

*BEAUTIFULLY REIMAGINED. EXCEPTIONALLY SITUATED. UNMISTAKABLY LAKE OCONEE.* Experience refined lakefront living at 2731 Club Drive, nestled within the highly desirable Harbor Club community.

Custom-built in 2020 and fully & beautifully renovated in 2026, this exceptional waterfront residence seamlessly blends sophisticated design, modern luxury, and effortless indoor-outdoor living. Thoughtfully appointed interiors showcase wide-plank hardwood floors, rich natural wood accents, designer lighting, and striking architectural details. The stunning open-concept living area features exposed wood beams, a dramatic custom concrete fireplace, and a wall of sliding glass doors that open to an extraordinary screened porch.

The beautifully designed chef's kitchen boasts rich wood cabinetry, natural stone countertops and backsplash, stainless steel appliances, and a generous island perfect for entertaining. The showstopping screened porch is truly an extension of the home, featuring soaring vaulted wood ceilings, a newly added magnificent stone fireplace with gas logs, built-in heaters, and picturesque lake views. An expansive open-air deck and covered terrace-level patio offer additional spaces to relax, entertain, and embrace the beauty of waterfront living.

The main level features a serene owners suite overlooking the lake with spa like ensuite, a second bedroom with full bath, and a stylish powder room. A striking staircase with contemporary metal railings leads to the finished terrace level, complete with a spacious second living area, custom built-ins, and a sophisticated wet bar featuring floating shelves, a distinctive metallic backsplash, and Sub-Zero beverage refrigerator. A dedicated workspace/hobby area with extensive built in custom cabinetry, an additional bedroom and ensuite bathroom, and abundant storage complete this versatile level.

Outdoors, a gentle slope leads to your private max dock with boatlift, offering effortless access to the sparkling waters of Lake Oconee. From peaceful mornings overlooking the lake to sunset cruises and evenings entertaining friends, every day feels like a getaway. Harbor Club offers exceptional recreational and social opportunities, with club membership available.

Furnishings may be purchased separately, allowing for an effortless transition into the Lake Oconee lifestyle. Your next chapter begins here on Lake Oconee. Schedule your private showing and experience this exceptional waterfront retreat for yourself!

All 62 photos

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Description provided by Keller Williams Premier and reproduced from the MLS; not independently verified.

Listing courtesy of Keller Williams Premier · Listing agent: Christopher Hewatt · 678-487-1600Provided 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$2,100,000
Bed / bath3 / 3.5
Living area3,556 sq ft
Year built2020
Property typeSingle Family Residence
GarageYes
MLS #10870263
Listing statusActive

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyGreene
Area listings49 active · 7 under contract
Estimated first-year tax~$22,050/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$591
Estimated monthly payment$14,109
Insurance (illustrative)$6k–$11k/yr
Comparable-sales median$840,000

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

$14,109/mo
  • Principal & interest $11,632/mo 82%
  • Taxes $1,838/mo 13%
  • Insurance $639/mo 5%

$14,109/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.)
~$22,050/yr

Estimate: a typical Greene 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–$11k/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 Greene 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
LightningVery 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 · Harbor Club

Pricing & the Harbor Club market

How this home is priced against recent nearby sales, and where Harbor Club 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 sales1150 Harbor Ridge Drive1150 Harbor Ridge Drive: $218/sq ft$2181570 Club Drive1570 Club Drive: $235/sq ft$2352050 Osprey Point2050 Osprey Point: $245/sq ft$2451020 Oak Valley Road1020 Oak Valley Road: $271/sq ft$271This homeThis home: $591/sq ft$591Community median $248

Price vs. size in Harbor Club

Each dot is a closed sale since 2023 (203 total). This home is the gold marker.

$66k$1.8M$3.6M1,3534,7228,091This home: $2,100,000, 3,556 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). Georgia MLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2024–2026. This home lists at $591/sq ft.

$243$246$2502024: $24320242025: $24920252026: $2482026

Median sale price by year

12-month median closed price, 2024–2026.

$672k$765k$858k2024: $750k20242025: $690k20252026: $840k2026
Property timeline

This home’s history

  • 2020BuiltPer public record
  • Oct 9, 2026First seen on movewithmomentum.comObserved at $2,100,000
  • 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 $2,100,000Momentum Realty · on market 0 days
Public records

Building permits

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

Comparable recent sales

4 closed sales in Harbor Club 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 4 sales: $840,000 ($248/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

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.

$775,208the mess$988,568

Stronger local evidence — 4 comparable closed sales in Harbor Club, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $2,100,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% 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:

  • 46 active listings competing, 13 under contract
  • ≈7.6 months of supply
  • 12 closed here in the last 12 months

For reference, this home is listed at $2,100,000 ($591/sq ft). The list price is the seller's asking price and is not derived from this range.

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: 3,556 sq ft × $218–$278/sq ft (±12% around the median of 4 comparable closed sales in Harbor Club, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.

Momentum Scores

Momentum Property Score

22/100
Strongest on: Pricing power (60), Market liquidity (28)
0 limited50100 exceptional

22/100 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 $591/sq ft vs the community 12-month median $248/sq ft.
Affordability0
List price $2,100,000 vs the community median $840,000. Not a measure of personal affordability.
Market liquidity28
Community median 68 days on market, ~7.6 months of supply (12-month record).
Pricing power60
Recent sales closed at about 96.1% of original asking (~3.9% 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

🟡 Asking $591 per square foot, about 138% above the community’s $248 median. Harbor Club’s 12-month median sold price per square foot is $248. Median sold price per square foot is up 21.7% year over year. Confidence: Very High · 78 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 Harbor Club sales closed near 96.1% 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: one of only 49 active listings in Harbor Club, no CDD assessment.

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

Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Keep looking

Similar homes for sale near Harbor Club

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 Harbor Club

  • 1030 Osprey Lane · $634,900 · 4 bd / 3.0 ba · listed October 6, 2026 (courtesy of Drake Realty Lake Area)
  • 1141 Glen Eagle Drive · $1,075,000 · 5 bd / 3.5 ba · listed October 4, 2026 (courtesy of Harbor Club Properties)
  • 1101 Turnberry Circle · $899,000 · 4 bd / 4.0 ba · listed October 3, 2026 (courtesy of Keller Williams Lake Oconee)
  • 1021 Inverness Drive · $1,150,000 · 5 bd / 4.5 ba · listed October 2, 2026 (courtesy of Dwell Real Estate)
  • 1011 Lofter Place · $875,900 · 4 bd / 3.0 ba · listed October 1, 2026 (courtesy of BHHS Lake Oconee Properties)
  • 1211 Turnberry Circle · $1,100,000 · 5 bd / 4.5 ba · listed September 29, 2026 (courtesy of Drake Realty Lake Area)

Recently off market in Harbor Club

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 Harbor Club

Go deeper on Harbor Club

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 Greene 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.

Lake OconeeAssigned elementary school · Greene County School District
Anita White CarsonAssigned middle school · Greene County School District
GreeneAssigned high school · Greene 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 2731 Club Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2020: 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 Greene 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 3,556 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 $22,050/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 10, 2026)
Comparable salesGeorgia MLS closed sales in Harbor Club, last 18 months, as of September 20, 2026
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 2731 Club Drive and when was it built?

Per the listing record, 2731 Club Drive was built in 2020 and has 3,556 sq ft of living area, 3 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 2731 Club Drive in?

2731 Club Drive is in Harbor Club in Greensboro, Greene County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

How are property taxes on 2731 Club Drive estimated?

The estimate on this page (about $22,050 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 2731 Club 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

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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.