31 Bear Creek Lane, Clayton, GA 30525
As of September 9, 2026, 31 Bear Creek Lane in None, Clayton is listed at $499,000 (2,594 sq ft, about $192 per sq ft). It came to market within the past week. Listing facts: built in 1908, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1908 · 118 yrs
- 2,594 sq ft of living area
- Active listing
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1908BuiltPer public record
- Sep 4, 2026First trackedObserved at $499,000
- 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 $2,579/mo 77%
- Taxes $437/mo 13%
- Insurance $271/mo 8%
- HOA $50/mo 1%
$3,336/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
57/100 is solid, mid-pack 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 $192 per square foot, about in line with the community’s $192 median. None’s 12-month median sold price per square foot is $192. 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 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Heart Pine Lodge was built in 1908 and held by the same family for over 100 years. A Florida citrus family, they returned every summer to the foot of Black Rock Mountain, trading the lowland heat for cool mountain air, and their original guestbook, first signed in 1961, still sits inside. The house crowns the very top of its hill, with a dramatic drive winding up to the front door.
Now the next chapter belongs to you. This is a place where mornings begin with coffee on the screened porch and evenings end at the fire pit under mountain stars. Everything in between is minutes away: a morning hike at Black Rock, a farm stand run to Osage Farms, tastings at three nearby wineries, an afternoon rafting the Chattooga or on the fairways at Sky Valley, dinner at Hush or Fortify with a nightcap at OldKnow, or a day trip to Highlands and the lakes.
The restoration honors what a century built. Original heart-pine floors, walls, and ceilings glow throughout, warmed by a wood-burning fireplace. All three bathrooms are fully renovated: the primary with a tiled walk-in shower and quartz vanity, a main-level bath with a farmhouse trough sink and shower, and an upstairs bath with a tub for the kids.
New metal roof (2023), central HVAC (2024), and updated plumbing and electrical. The main house offers 3 bedrooms and 3 baths across 2,100 sq ft, set on 2.28 acres with an additional building site. The 1BR/1BA guest cottage, with power and plumbing in place, is your blank canvas: a studio, a guest house, a long-term rental (est.
$1,000/mo), or a restored second unit. In its first year as a short-term rental, the house earned a 5-star rating and grossed more than $26,000 in bookings. Continue that story, or keep every summer to yourself.
Drive times: 5 min: Downtown Clayton (Hush, Fortify, Universal Joint, OldKnow Bev Co, Ingles Market) 10 min: Black Rock Mountain State Park, the highest state park in Georgia 10 min: Osage Farms, Rabun Gap's beloved produce market 15 min: Dillard and the Dillard House, in the midst of a $52M resort renovation 15-20 min: Stonewall Creek, Tiger Mountain, and 12 Spies wineries 20 min: Sky Valley Country Club, the highest golf course in Georgia 20 min: Tallulah Gorge State Park 25 min: Lake Rabun / 35 min: Lake Burton 25 min: Chattooga River rafting on the South Carolina line 35 min: Highlands, NC 1:45-2 hrs: Atlanta A century of summers behind it, and yours ahead.
Description provided by eXp Realty 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: $499,000 — 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 1908 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 — 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:
- 96 active listings competing, 19 under contract
For reference, this home is listed at $499,000 ($192/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,594 sq ft × $169–$215/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Similar homes for sale near None
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.
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 eXp Realty · MLS # 10831036
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Recent sales activity in None
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 None 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 None
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 Rabun 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 31 Bear Creek Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1908 (118 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 Rabun County; age of roof and any prior claims affect the premium.
- Listed living area is 2,594 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 $5,240/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.
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 9, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 9, 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 31 Bear Creek Lane and when was it built?
Per the listing record, 31 Bear Creek Lane was built in 1908 and has 2,594 sq ft of living area, 4 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 31 Bear Creek Lane in?
31 Bear Creek Lane is in None in Clayton, Rabun County. The community section on this page shows recent closed sales, days on market, and active inventory for None from the same MLS data.
Does 31 Bear Creek Lane 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 31 Bear Creek Lane estimated?
The estimate on this page (about $5,240 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 31 Bear Creek Lane 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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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.
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.