4-Bedroom Cabin,Single Family Residence in Dock/No HOA/Lake Ranch Estates
3112 Lake Ranch Drive, Gainesville, GA 30506
Cabin,Single Family Residence in Dock/No HOA/Lake Ranch Estates, Gainesville · No CDD on record
Dock/No HOA/Lake Ranch Estates · Gainesville, GA 30506 · Hall County
Listing data checked against the MLS November 3, 2026 at 11:36 AM ET · rechecked hourly
Listed by Atlanta Communities (MLS) · Page maintained by Momentum Realty LLC, a licensed Georgia brokerage
4Bedrooms
3Bathrooms
1,856Sq Ft
1974Year Built
$415Per Sq Ft
WaterfrontNo 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.
103% above
$/sq ft vs community
$415 here vs $204 median sold (12 mo)
Buyer leverage
Balanced market
69 days on market
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
3112 Lake Ranch Drive in Dock/No HOA/Lake Ranch Estates, Gainesville is listed at $770,000 (1,856 sq ft, about $415 per sq ft). It has been listed Aug 24, 2026. Listing facts: built in 1974, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1974 · 52 yrs
1,856 sq ft of living area
Listed at $770,000 — recent neighborhood median sale price ~$385,000 (nearby sales; deemed reliable, not an appraisal)
listed Aug 24, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
Are you ready for Lake Life? Own a Piece of Paradise. Welcome to this cozy 4-bedroom, 3-bathroom home, where comfort and tranquility await.
From the moment you step inside, you'll be greeted by an open family room with soaring vaulted ceilings and large windows that flood the space with natural light. The views of the wooded area leading down to the lake are simply breathtaking, creating a peaceful atmosphere that's perfect for both relaxing and entertaining. The updated kitchen is the heart of this home, featuring gorgeous granite countertops, sleek stainless steel appliances, and custom floor-to-ceiling cabinetry that offers abundant storage space.
Whether you're cooking for the family or entertaining friends, this kitchen provides the ideal setting for memorable moments. On the main floor, you'll also find a spacious primary bedroom bathed in natural light, thanks to its generous windows. The adjoining elegant bathroom boasts a luxurious walk-in shower, offering a private retreat to unwind after a busy day.
Downstairs, the finished basement offers even more living space with a cozy family area that's perfect for movie nights or game days. The kitchenette area is perfect for storing snacks and drinks, while three additional bedrooms and a full bathroom offer plenty of room for guests or family members. Two storage rooms ensure you'll have everything neatly organized.
Step outside to the expansive upper deck, an ideal spot for entertaining or simply enjoying quiet mornings with a cup of coffee. The covered porch on the basement level provides a shaded retreat, while the covered dock offers easy access to the lake for fishing, lounging, or taking in the stunning views. This home is designed for making memories and enjoying a peaceful lakeside lifestyle.
Don't miss out on the chance to make it yours-schedule your showing today! This home has no restrictions for short term or long term rental. A great investment property opportunity.
No HOA Rental Restrictions and great rental property. Receive a Preferred Lender Credit of $1,000.00 toward prepaid expenses and closing costs when you close with Brandy Smith at The Money Store.
All 70 photos
Description provided by Atlanta Communities 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 Jun 2026
$380,000
3135 Granada Way, Gainesville
3 / 2.5 bd/ba · 1,871 sq ft · $203/sq ft
Courtesy of Keller Williams Lanier Partners · View details →
Sold Sep 2026
$339,000
2335 Donnie Lee Drive, Gainesville
4 / 2.5 bd/ba · 1,828 sq ft · $185/sq ft
Courtesy of All Around Realty · View details →
Sold Jul 2026
$400,000
4733 Warwick Drive, Gainesville
3 / 2 bd/ba · 1,886 sq ft · $212/sq ft
Courtesy of Keller Williams Lanier Partners · View details →
Sold Jul 2026
$489,900
3513 Phoenix Cove Drive, Gainesville
4 / 2.5 bd/ba · 1,800 sq ft · $272/sq ft
Courtesy of Resource Brokers, LLC · View details →
Sold Dec 2025
$390,000
4722 Middleboro Lane, Gainesville
4 / 2.5 bd/ba · 1,942 sq ft · $201/sq ft
Courtesy of Keller Williams Lanier Partners · View details →
Sold Apr 2026
$355,000
3129 Hidden Pass, Gainesville
3 / 2 bd/ba · 1,729 sq ft · $205/sq ft
Courtesy of VIP Realty North Georgia · View details →
Median of these 6 sales: $385,000 ($204/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$770,000
Bed / bath4 / 3
Living area1,856 sq ft
Year built1974
Property typeCabin, Single Family Residence
MLS #10771456
Listing statuslisted Aug 24, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~1203 ft
CountyHall
Area listings1 active · 0 under contract
Estimated first-year tax~$8,085/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$415
Estimated monthly payment$5,290
Insurance (illustrative)$4k–$8k/yr
Messtimate range$373,056 – $393,472
Comparable-sales median$385,000
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
$5,290/mo
Principal & interest $4,198/mo79%
Taxes $674/mo13%
Insurance $418/mo8%
$5,290/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.)
~$8,085/yr
Estimate: a typical Hall 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)
$4k–$8k/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
~1203 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.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Hall County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireVery Low
TornadoRelatively High
LightningRelatively High
Strong windRelatively Moderate
DroughtRelatively Low
HailRelatively Moderate
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.
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 · Dock/No Hoa/Lake Ranch Estates
Pricing & the Dock/No Hoa/Lake Ranch Estates market
How this home is priced against recent nearby sales, and where Dock/No Hoa/Lake Ranch 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
1974BuiltPer public record
About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Aug 24, 2026)
Sep 2, 2026First seen on movewithmomentum.comObserved at $770,000
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 $770,000Atlanta Communities · listed Aug 24, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Research
The Momentum read
🟡 Asking $415 per square foot, about 103% above the community’s $204 median. Dock/No Hoa/Lake Ranch Estates’s 12-month median sold price per square foot is $204. 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: one of only 1 active listings in Dock/No Hoa/Lake Ranch 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 Atlanta Communities · MLS # 10771456
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Keep looking
Similar homes for sale near Dock/No HOA/Lake Ranch 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 · Infrastructure
Gov. Kemp joins ceremony celebrating Gainesville Inland Port opening
The Georgia Ports Authority held an Oct. 29 ceremony for the Gainesville Inland Port, which began operating in May 2026 and links Northeast Georgia manufacturers to the Port of Savannah. Gov. Brian Kemp and other officials attended, and the event drew hundreds of guests.
Why it matters: Rail-linked freight access for Northeast Georgia shippers supports logistics activity and related jobs around Gainesville and may take some truck traffic off long-haul routes. The site is about 4 miles southeast of Dock No Hoa Lake Ranch Estates.
Gainesville approves up to $8.6M in incentives for downtown Tempo by Hilton
The Gainesville City Council approved up to $8.6 million in public support for a planned eight-story Tempo by Hilton at 210 Bradford St. NE, with most of the money coming from future property taxes the hotel itself generates. The hotel is estimated to cost $49 million.
Why it matters: A new downtown hotel would add lodging capacity near the square and could support nearby dining and retail traffic once built. The project is about 6 miles southeast of Dock No Hoa Lake Ranch Estates, elsewhere in Hall County.
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 Hall 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.
SardisAssigned elementary school · Hall County School District
ChestateeAssigned middle school · Hall County School District
ChestateeAssigned high school · Hall 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 3112 Lake Ranch Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1974 (52 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 Hall 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 1,856 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 $8,085/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 3112 Lake Ranch Drive and when was it built?
Per the listing record, 3112 Lake Ranch Drive was built in 1974 and has 1,856 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 3112 Lake Ranch Drive in?
3112 Lake Ranch Drive is in Dock/No HOA/Lake Ranch Estates in Gainesville, Hall County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3112 Lake Ranch 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 3112 Lake Ranch Drive estimated?
The estimate on this page (about $8,085 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 3112 Lake Ranch 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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1 / 1 photosListing courtesy of Atlanta Communities
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.
