New — 5 days on market Single Family Residence Open house Sun, Oct 18, 1 PM–3 PM
$320,000
4-Bedroom Home in N/A- NO HOA

31 Rock Fence Circle, Cartersville, GA 30121

Single Family Residence in N/A- NO HOA, Cartersville · No CDD on record
N/A- NO HOA · Cartersville, GA 30121 · Bartow County
Listing data updated October 14, 2026 at 2:17 PM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
1,416Sq Ft
1966Year Built
$226Per Sq Ft
No CDD on record4 bedrooms
Open house
  • Sun, Oct 18, 1 PM–3 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
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.
12% above
$/sq ft vs community
$226 here vs $202 median sold (12 mo)
Buyer leverage
Seller-leaning
5 days on market
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 12
Price vs recent sales
Asking $320k tops 4 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 14, 2026, 31 Rock Fence Circle in N/A- No Hoa, Cartersville is listed at $320,000 (1,416 sq ft, about $226 per sq ft). It came to market within the past week. Listing facts: built in 1966, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1966 · 60 yrs
  • 1,416 sq ft of living area
  • Listed at $320,000 — recent neighborhood median sale price ~$299,950 (nearby sales; deemed reliable, not an appraisal)
  • New to market
  • No HOA reported by the listing (confirm)
Listing description

About this home

NEWLY REFINISHED Hardwood Floors! WELCOME HOME and BRING all the TOYS to this wonderfully maintained 4 bedroom / 3 bath home that is MOVE-IN READY and so conveniently located near the charming town of Cartersville, just a couple of miles to highway 75 and only a few more to get to the LAKE! This spacious property is unrestricted with room for your boat, RV, a huge garden in the fenced-in back yard and even more room for the others with an extra washer/dryer hook up, 2 driveways and a private entrance that could be used as an apartment, downstairs too!

Almost everything about this home has been upgraded or updated, including (but not limited to) the ROOF (50 year shingles) the HVAC, the plumbing (completely updated), the floors (original hardwoods under the new LVP!), the bathrooms, and everything else in between the freshly painted aluminum siding and brick exterior. Enjoy your coffee on the covered front porch, cook a quick meal on the gas stove, or get to town within minutes for all the delicious restaurants that downtown has to offer. This home is ready for it's new owner, come and see it for yourself soon!

Call today for an easy showing beginning 6/26/26. Photos coming soon!

All 36 photos

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Description provided by Coldwell Banker Realty and reproduced from the MLS; not independently verified.

Listing courtesy of Coldwell Banker Realty · Listing agent: Beth Harley · 770-889-3051Provided 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$320,000
Bed / bath4 / 3
Living area1,416 sq ft
Year built1966
Property typeSingle Family Residence
MLS #10867394
Listing statusNew — 5 days on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~1043 ft
CountyBartow
Estimated first-year tax~$3,360/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$226
Estimated monthly payment$2,226
Insurance (illustrative)$2k–$3k/yr
Messtimate range$277,536 – $342,672
Comparable-sales median$299,950

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

$2,226/mo
  • Principal & interest $1,772/mo 80%
  • Taxes $280/mo 13%
  • Insurance $174/mo 8%

$2,226/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.)
~$3,360/yr

Estimate: a typical Bartow 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–$3k/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
~1043 ft

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 Bartow 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 Moderate
Winter weatherRelatively 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 · N/A- NO HOA

Pricing & the N/A- NO HOA market

How this home is priced against recent nearby sales, and where N/A- NO HOA 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 sales15 Popular Drive15 Popular Drive: $183/sq ft$18369 Pointe North Drive69 Pointe North Drive: $196/sq ft$196332 Melody Lane332 Melody Lane: $198/sq ft$19816 Greenbriar Avenue16 Greenbriar Avenue: $206/sq ft$206This homeThis home: $226/sq ft$22630 Azalea Drive30 Azalea Drive: $242/sq ft$242106 HIGHLAND Lane106 HIGHLAND Lane: $280/sq ft$280Community median $202
Property timeline

This home’s history

  • 1966BuiltPer public record
  • Oct 5, 2026First seen on movewithmomentum.comObserved at $320,000
  • 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 $320,000Momentum Realty · on market 5 days
Public records

Building permits

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

Comparable recent sales

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.

Median of these 6 sales: $299,950 ($202/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

Momentum Research

The Momentum read

🟡 Asking $226 per square foot, about 12% above the community’s $202 median. N/A- NO HOA’s 12-month median sold price per square foot is $202. 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 October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Coldwell Banker Realty · MLS # 10867394

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Keep looking

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Go deeper

More on N/A- NO HOA

Go deeper on N/A- NO HOA

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 Bartow 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.

CloverleafAssigned elementary school · Bartow County School District
Red TopAssigned middle school · Bartow County School District
WoodlandAssigned high school · Bartow 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 31 Rock Fence Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1966 (60 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 Bartow County; age of roof and any prior claims affect the premium.
  • Listed living area is 1,416 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 $3,360/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 14, 2026)
Comparable salesGeorgia MLS closed sales within about 3 miles, last 18 months, as of October 14, 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 31 Rock Fence Circle and when was it built?

Per the listing record, 31 Rock Fence Circle was built in 1966 and has 1,416 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 31 Rock Fence Circle in?

31 Rock Fence Circle is in N/A- No Hoa in Cartersville, Bartow County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 31 Rock Fence Circle 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 Rock Fence Circle estimated?

The estimate on this page (about $3,360 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 Rock Fence Circle 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.