PendingSingle Family Residence▼ Price cut: $10,000 (9/30)
$420,000
4-Bedroom Home in Bay Creek Estates
2820 Bay Ridge Drive, Loganville, GA 30052
Single Family Residence in Bay Creek Estates, Loganville · No CDD on record
Bay Creek Estates · Loganville, GA 30052 · Walton County
Listing data checked against the MLS November 3, 2026 at 11:36 AM ET · rechecked hourly
Listed by eXp Realty (MLS) · Page maintained by Momentum Realty LLC, a licensed Georgia brokerage
4Bedrooms
3Bathrooms
4,273Sq Ft
1989Year Built
$98Per Sq Ft
GarageNo CDD on record4 bedrooms
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.
49% below
$/sq ft vs community
$98 here vs $192 median sold (12 mo)
Buyer leverage
Balanced market
58 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
2820 Bay Ridge Drive in Bay Creek Estates, Loganville is listed at $420,000 (4,273 sq ft, about $98 per sq ft). That is 55% below Bay Creek Estates's median closed sale of $940,000 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $192/sq ft by about 49%. It has been listed Sep 4, 2026. Listing facts: built in 1989, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1989 · 37 yrs
4,273 sq ft of living area
Garage
Listed at $420,000 — recent neighborhood median sale price ~$940,000 (nearby sales; deemed reliable, not an appraisal)
listed Sep 4, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
BACK ON THE MARKET AT NO FAULT OF THE SELLER OR PROPERTY! This homes is ready for its' next buyer! Nestled beautifully on the point of the quiet and picturesque Bay Creek Estates neighborhood, this charming home offers a wonderful blend of comfort, space, and peaceful outdoor living.
Enjoy your mornings surrounded by nature from the beautiful screened-in porch, spacious front porch, or the inviting gazebo with its dining nook. Whether you're enjoying your morning coffee, bird watching, or simply taking in the bright views of the outdoors, this home offers plenty of opportunities to relax and enjoy the beauty around you. Inside, the main level features a large, open entertainment area along with three generously sized bedrooms and two spacious bathrooms, providing plenty of room for everyday living and entertaining.
The property also features an attached two-car garage, plus additional paved parking beside the home. But there's even more! The basement includes a private 1-bedroom, 1-bathroom apartment with its own exterior entrance and exit.
This versatile space is perfect for an in-law suite, guest accommodations, or an home office. It also has a basement garage, an outdoor shed for storage, and a large unfinished bonus room! With its unique layout, abundant living space, peaceful setting, and flexible basement apartment, this move-in-ready home is truly one of a kind.
Septic inspected and serviced August 2026. Come see all that this special Bay Creek Estates home has to offer! Please reach out with inquires or requests.
*$10,000 concessions with an acceptable offer, which can be used towards updates, rate buy downs, closing costs, etc. Sellers are motivated!
All 18 photos
Description provided by eXp Realty and reproduced from the MLS; not independently verified.
6 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.
Sold Sep 2026
$405,000
510 Georgia Circle, Loganville
5 / 4 bd/ba · 3,933 sq ft · $103/sq ft
Courtesy of First United Realty · View details →
Sold Jun 2026
$558,000
130 Logan Pass Drive, Loganville
5 / 4 bd/ba · 3,610 sq ft · $155/sq ft
Courtesy of ERA Sunrise Realty · View details →
Sold Mar 2026
$425,000
410 Live Oak Pass, Loganville
5 / 5 bd/ba · 3,586 sq ft · $119/sq ft
Courtesy of Keller Williams Realty Consultants · View details →
Sold Dec 2025
$480,000
3952 Dragon Fly Lane, Loganville
5 / 4.5 bd/ba · 3,524 sq ft · $136/sq ft
Courtesy of ERA Sunrise Realty · View details →
Sold Oct 2026
$470,000
343 Baymist Drive, Loganville
4 / 2.5 bd/ba · 3,456 sq ft · $136/sq ft
Courtesy of Virtual Properties Realty.com · View details →
Sold Aug 2026
$447,000
155 Tara Boulevard, Loganville
5 / 4 bd/ba · 3,413 sq ft · $131/sq ft
Courtesy of First United Realty · View details →
Median of these 6 sales: $940,000 ($192/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$420,000
Bed / bath4 / 3
Living area4,273 sq ft
Year built1989
Property typeSingle Family Residence
GarageYes
MLS #10822347
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~952 ft
CountyWalton
Area listings1 active · 0 under contract
Estimated first-year tax~$4,410/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$98
Estimated monthly payment$2,876
Insurance (illustrative)$2k–$4k/yr
Messtimate range$508,487 – $581,128
Comparable-sales median$940,000
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
$2,876/mo
Principal & interest $2,290/mo80%
Taxes $368/mo13%
Insurance $219/mo8%
$2,876/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
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.)
~$4,410/yr
Estimate: a typical Walton 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)
$2k–$4k/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
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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~952 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
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.
HurricaneVery Low
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireVery Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Moderate
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.
Internet & broadband — how to check availability for this address
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 · Bay Creek Estates
Pricing & the Bay Creek Estates market
How this home is priced against recent nearby sales, and where Bay Creek Estates 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.
Property timeline
This home’s history
1989BuiltPer public record
About Sep 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Sep 2, 2026)
Sep 2, 2026First seen on movewithmomentum.comObserved at $450,000
Sep 10, 2026Price cut$430,000 (-$20,000, -4.4%)
Sep 30, 2026Price cut$420,000 (-$10,000, -2.3%)
NowPendingSale pending
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 $420,000eXp Realty · listed Sep 4, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
89/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
89/100 is exceptional 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 area100
This home $98/sq ft vs the community 12-month median $192/sq ft.
Affordability100
List price $420,000 vs the community median $940,000. Not a measure of personal affordability.
Market liquidity55
Community median 67 days on market, ~3.0 months of supply (12-month record).
Pricing power100
Recent sales closed at about 81.9% of original asking (~18.1% 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.
🟡 Asking $98 per square foot, about 49% below the community’s $192 median. Bay Creek Estates’s 12-month median sold price per square foot is $192. Confidence: Low · 4 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 Bay Creek Estates sales closed near 81.9% 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 1 active listings in Bay Creek Estates, no CDD assessment.
Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by eXp Realty · MLS # 10822347
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Keep looking
Similar homes for sale near Bay Creek Estates
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Civic
Loganville unveils 337-page draft zoning ordinance for public comment
A draft zoning ordinance prepared by the planning firm TPUDC was presented at an Oct. 27 public meeting at City Hall. The draft and a zoning map are posted online for a 30-day comment period, and the City Council is expected to vote on a final version before the end of 2026.
Why it matters: A rewrite of city zoning rules could reshape what can be built along Loganville's redevelopment corridors once adopted. The site is about 3 miles west of Bay Creek Estates.
DeltaX to build $141 million North American headquarters in Monroe
Seoul-based DeltaX will build a campus on about 25 acres at Piedmont Regional Industrial Park in Monroe. Phase one is a 100,000-square-foot battery energy storage assembly facility. The $141 million project is expected to create about 250 jobs.
Why it matters: New advanced manufacturing jobs in Monroe broaden the employment base for Walton County and nearby commuters. The site is about 8 miles southeast of Bay Creek Estates.
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.
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.
LoganvilleAssigned elementary school · Walton County School District
LoganvilleAssigned middle school · Walton County School District
LoganvilleAssigned high school · Walton County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 2820 Bay Ridge Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1989 (37 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 Walton County; age of roof and any prior claims affect the premium.
Listed living area is 4,273 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 $4,410/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 record
Georgia MLS, checked against the MLS hourly (last: November 3, 2026)
Comparable sales
Georgia MLS closed sales within about 3 miles, 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.
Answered before you ask
Frequently asked questions
How big is 2820 Bay Ridge Drive and when was it built?
Per the listing record, 2820 Bay Ridge Drive was built in 1989 and has 4,273 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2820 Bay Ridge Drive in?
2820 Bay Ridge Drive is in Bay Creek Estates in Loganville, Walton County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 2820 Bay Ridge Drive 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 2820 Bay Ridge Drive estimated?
The estimate on this page (about $4,410 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 2820 Bay Ridge 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.
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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.
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.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
