281 Providence Club Drive, Monroe, GA 30656
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 13, 2026, 281 Providence Club Drive in Providence Club, Monroe is listed at $675,000 (3,734 sq ft, about $181 per sq ft). That is 31% above Providence Club's median closed sale of $517,000 over the last 12 months (10 recorded sales). It has been 60 days on market. Listing facts: built in 1998. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1998 · 28 yrs
- 3,734 sq ft of living area
- Garage
- Listed at $675,000 — recent neighborhood median sale price ~$517,000 (nearby sales; deemed reliable, not an appraisal)
- 60 days on market
About this home
Nestled within the prestigious golf community of Providence Club and perfectly positioned along the scenic 13th fairway, this beautifully maintained home is designed with multigenerational living in mind. From the moment you step through the front door, you'll be welcomed by soaring ceilings, abundant natural light, and an open-concept layout where each space flows seamlessly together. Rich hardwood flooring extends throughout the entire main level, creating warmth and continuity from room to room.
For added peace of mind and energy efficiency, all of the home's windows have recently been replaced. The spacious living room serves as the heart of the home with its dramatic ceiling height and inviting atmosphere, opening effortlessly into the elegant formal dining room, perfect for entertaining family and friends. The kitchen features beautiful cabinetry, generous counter space, quality appliances, and overlooks the cozy sitting room.
Retreat to the luxurious main level owner's suite, complete with tray ceilings and a spacious layout designed for comfort and privacy. The ensuite bath offers high ceilings, tile flooring, dual vanities, a relaxing jetted soaking tub, separate shower, and a spacious walk-in closet. Also conveniently located on the main floor are a well appointed laundry room and a stylish half bath for guests.
Upstairs, you'll find three generously sized bedrooms offering plenty of space for family, guests, or home office needs. The Jack-and-Jill bathroom provides convenience with separate vanity areas while maintaining privacy between bedrooms. Each room offers excellent closet space, large windows, and comfortable layouts that make every space feel bright and welcoming.
The fully finished basement is thoughtfully designed for multigenerational living and expands the home's versatility with a full second kitchen, an expansive open-concept living area with custom built-in bookshelves, a private exterior entrance, a full bathroom, dedicated laundry hookups for a second laundry area, and multiple private rooms that can easily serve as a home office, fitness room, craft or hobby room, media room, playroom, or guest accommodations. Whether you're looking for separate living quarters, a work-from-home retreat, or simply extra space to fit your lifestyle, this lower level offers endless possibilities. Step outside to your own private outdoor retreat, featuring an expansive Trex deck with multiple seating areas and a covered pergola overlooking the beautifully landscaped backyard and picturesque views of the 13th fairway.
A tranquil cascading water feature, lush lawn, and mature landscaping create the perfect setting for relaxing or entertaining. Located in the highly sought after Providence Club, you'll enjoy resort style amenities including a golf course, clubhouse, pool, tennis and pickleball courts, playground, walking trails, parks, and a nature preserve offering an exceptional lifestyle both at home and throughout the community.
All 86 photos
Description provided by Keller Williams Realty Atl. Partners 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 $3,739/mo 81%
- Taxes $591/mo 13%
- Insurance $310/mo 7%
$4,639/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.
Walton County is on the Florida coast; wind coverage is a major part of the premium. 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 Walton County, GA: overall Relatively 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 Providence Club market
How this home is priced against recent nearby sales, and where Providence 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.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $181/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
This home’s history
- 1998BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 60 cumulative days on market as of October 13, 2026
- Sep 2, 2026First seen on movewithmomentum.comObserved at $700,000
- Sep 19, 2026Price cut$675,000 (-$25,000, -3.6%)
- 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
6 closed sales in Providence 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 6 sales: $517,000 ($179/sq ft). Stronger local evidence. 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.
Stronger local evidence — 6 comparable closed sales in Providence Club, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $675,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 3% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1998 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- 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: 60 days on market vs. a 46-day community median
- 8 active listings competing, 1 under contract
- ≈8.4 months of supply
- 10 closed here in the last 12 months
For reference, this home is listed at $675,000 ($181/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: 3,734 sq ft × $179–$184/sq ft (interquartile band of 6 comparable closed sales in Providence Club, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Property Score
34/100 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.
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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.4 months of supply in the surrounding market and 60 days on market for this home, against a 46-day area median.Days on market:this home 60Area median: 46 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 $181 per square foot, about in line with the community’s $179 median. Providence Club’s 12-month median sold price per square foot is $179. Median sold price per square foot is down 9.9% year over year. Confidence: Medium · 10 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 Providence Club sales closed near 97.0% 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 7 active listings in Providence Club, 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 Keller Williams Realty Atl. Partners · MLS # 10811472
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Similar homes for sale near Providence 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 Providence Club
- 251 Providence Club Drive · $529,900 · 3 bd / 3.5 ba · listed October 3, 2026 (courtesy of HomeSmart)
- 8521 Parkview Court · $499,000 · 5 bd / 3.5 ba · listed September 29, 2026 (courtesy of Anchor Real Estate Advisors)
- 1131 Overlook Lane · $575,000 · 3 bd / 2.5 ba · listed September 19, 2026 (courtesy of Keller Williams Realty Atl. Partners)
Recently off market in Providence Club
- 2635 Heritage Lane · last listed $500,000 · 2026-10-03
- 951 Providence Lane · last listed $675,000 · 2026-09-12
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
More on Providence Club
Go deeper on Providence 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
Schools currently assigned to this address in Walton 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.
Buyer research checklist
Items worth confirming for 281 Providence Club Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1998 (28 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- 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 Walton County; age of roof and any prior claims affect the premium.
- Listed living area is 3,734 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 $7,088/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 in Providence Club, last 18 months, as of September 20, 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 281 Providence Club Drive and when was it built?
Per the listing record, 281 Providence Club Drive was built in 1998 and has 3,734 sq ft of living area, 5 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 281 Providence Club Drive in?
281 Providence Club Drive is in Providence Club in Monroe, Walton County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
How are property taxes on 281 Providence Club Drive estimated?
The estimate on this page (about $7,088 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 281 Providence 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.
See 281 Providence Club Drive 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.
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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.