279 Shallow Water Trail, Talking Rock, GA 30175
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 28, 2026, 279 Shallow Water Trail in Creekside Crossing, Talking Rock is listed at $995,000 (3,391 sq ft, about $293 per sq ft). That is 109% above Creekside Crossing's median closed sale of $477,000 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $250/sq ft by about 17%. It has been 78 days on market. Listing facts: built in 2025, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2025 · 1 yrs
- 3,391 sq ft of living area
- 78 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2025BuiltPer public record
- Sep 2, 2026First trackedObserved at $1,035,000
- Sep 16, 2026Price cut$995,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $5,312/mo 82%
- Taxes $871/mo 13%
- Insurance $268/mo 4%
- HOA $50/mo 1%
$6,501/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
27/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $293 per square foot, about 17% above the community’s $250 median. Creekside Crossing’s 12-month median sold price per square foot is $250. MLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 28, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
4BR/3.5BA | Mountain Views | Creek Frontage | 2025 Built | 3.52 Acres | 3,400 SF - Welcome to this stunning custom home in Creekside Crossing offering the perfect blend of luxury, privacy, and North Georgia beauty. Situated on 3.52 private acres with approximately 300 feet of creek frontage (to the centerline of the creek), a peaceful year-round creek approximately 5-7 feet wide along the back of the property, seasonal mountain views, and high-speed fiber internet, this is the perfect mountain retreat for full-time living, remote work, or a vacation escape. Built in 2025, this thoughtfully designed home features a main-level primary suite, two upstairs bedrooms plus a loft, and a finished terrace level with an additional bedroom, full bath, and spacious media/game room.
The open-concept living area showcases hardwood floors, oversized windows, a gas fireplace, and two sliding glass doors leading to the wraparound porch with its own wood-burning fireplace-perfect for enjoying the peaceful mountain setting. The kitchen features granite countertops, stainless steel appliances, custom wood cabinetry, a large island, and an electric range. The primary suite offers private porch access, a large walk-in closet with custom shelving, and a beautifully tiled shower.
Upstairs you'll find hardwood floors, tongue-and-groove ceilings, and a full bath. The finished terrace level features tall ceilings, engineered wood flooring, a large recreation room, bedroom, full bath, and flexible living space ideal for guests or entertaining. An existing concrete pad is already in place for a future garage or carport.
Located in the gated Creekside Crossing community with paved roads and convenient access to Jasper, Ellijay, and Blue Ridge. No school tax for owners over 65. Enjoy being minutes from apple orchards, wineries, hiking trails, Springer Mountain, the Appalachian Trail, Amicalola Falls State Park, Fort Mountain State Park, Brasstown Bald, trout streams, tubing, kayaking, sunflower fields, pumpkin patches, and endless outdoor recreation.
Whether you're looking for a luxury full-time residence, a second home, or a high-demand income-producing short-term rental, this exceptional property offers it all. Preferred lender incentive: Receive a 1-year temporary rate buydown, lowering your interest rate by 1% during the first year to help reduce your monthly payment.
All 85 photos
Description provided by RE/MAX Town & Country and reproduced from the MLS; not independently verified.
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
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.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.
Actual list price: $995,000 — 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 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:
- This home: 78 days on market vs. a 152-day community median
- 134 active listings competing, 17 under contract
For reference, this home is listed at $995,000 ($293/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,391 sq ft × $220–$280/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 28, 2026.
Similar homes for sale near Creekside Crossing
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 Creekside Crossing
- 250 Mccollum Road #1R · $799,999 · 2 bd / 2.0 ba · listed September 26, 2026 (courtesy of Century 21 Results)
- 525 Riverside Drive · $700,000 · 4 bd / 3.0 ba · listed September 26, 2026 (courtesy of RE/MAX Town & Country)
- 65 Lucille Avenue · $225,000 · 2 bd / 1.5 ba · listed September 25, 2026 (courtesy of Local Realty)
- 3744 Tails Creek Road · $322,500 · 1 bd / 1.0 ba · listed September 23, 2026 (courtesy of Nathan Fitts & Team)
- 859 Hagin Circle · $849,000 · 2 bd / 2.0 ba · listed September 23, 2026 (courtesy of RE/MAX Town & Country)
- 7233 Shakerag Road · $719,777 · 4 bd / 3.5 ba · listed September 22, 2026 (courtesy of RE/MAX Town & Country)
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by RE/MAX Town & Country · MLS # 10798218
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Recent sales activity in Creekside Crossing
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Creekside Crossing neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Creekside Crossing
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
Schools currently assigned to this address in Gilmer 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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 279 Shallow Water Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: 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 Gilmer 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 3,391 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 $10,448/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.
Approximate distances
Approximate drive times for 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.
View →Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 28, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 28, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 279 Shallow Water Trail and when was it built?
Per the listing record, 279 Shallow Water Trail was built in 2025 and has 3,391 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 279 Shallow Water Trail in?
279 Shallow Water Trail is in Creekside Crossing in Talking Rock, Gilmer County. The community section on this page shows recent closed sales, days on market, and active inventory for Creekside Crossing from the same MLS data.
How are property taxes on 279 Shallow Water Trail estimated?
The estimate on this page (about $10,448 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 279 Shallow Water Trail 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 279 Shallow Water Trail 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 a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
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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.