3243 Dogwood Lane, Hiawassee, GA 30546
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 21, 2026, 3243 Dogwood Lane in Hiawassee is listed at $699,900 (3,272 sq ft, about $214 per sq ft). It has been 14 days on market. Listing facts: built in 1987, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1987 · 39 yrs
- 3,272 sq ft of living area
- 14 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1987BuiltPer public record
- Sep 4, 2026First trackedObserved at $699,900
- 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 $3,706/mo 78%
- Taxes $612/mo 13%
- Insurance $375/mo 8%
- HOA $50/mo 1%
$4,744/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
48/100 is below average 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 $214 per square foot, about in line with the community’s $214 median. none’s 12-month median sold price per square foot is $214. 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 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Unique property with lake/mountain views, 1-2 blocks from several restaurants and marina!! Unparalleled views of lake with mountains beyond! NO HOA RESTRICTIONS!
Turnkey active STR sold with all furnishings. This 4 bedroom/3 full bathroom Craftsman style home was renovated down to studs with tax records showing "effective year built" 2021. Upon entering double front doors with parking directly in front, you are welcomed into a large foyer.
The main level features a wide, expansive, open space shared by the kitchen, dining and family areas. The primary bedroom, oversized bathroom, walk-in closet with full sized washer/dryer, are also on this main level. There is another full bathroom off the foyer, offering extra shower space for guests!
The white kitchen has updated white/grey granite (and throughout the bathrooms). Stainless steel appliances include a range with an induction cooktop, and an air fryer plus convection oven modes! High, smooth ceilings with grey crown moulding throughout the home.
On STR sites set up as 2 full units - main level and terrace level. As you go downstairs to the terrace level you are greeted by a flex space currently used as a game room, but could be an eating space or bunk room. Off this central area are 3 extra large bedrooms, each with multiple beds (one bedroom is currently being used as a secondary family room).
There is an additional full kitchen and a 2nd washer and dryer set on this level as well. The kitchen area could be converted into another full sized bathroom for this level. The back of the house features amazing lake AND mountain views!
The deck offers covered and uncovered spaces on both levels. You'll love waking up to the gorgeous views in 3 of the 4 bedrooms! The terrace level also has smooth finished 10 foot ceilings (no drop ceilings here)!!
Entire home has matching luxury vinyl wood plank flooring for easy cleaning. Fully fenced yard enclosing a rebuilt 16 ft wide gazebo, and firepit w/bench seating. There is a gravel driveway for extra parking and to enter the lower level with ease or use the sidewalks which allow step-less entry to the lower level as well.
Like 2 homes in 1 and the perfect space for large family gatherings or groups! CONVENIENCE - From this home you can walk to 4 restaurants all with live music options! The Ridges Marina is about a block away to dock your boat plus rentals avail for all water activities (including a fun blow up water obstacle course in the summer)!
Only 1 mile to the GA Mtn Fairgrounds for concerts, fairs and more, also featuring Hamilton Gardens. This is the perfect, beautiful home base for your lake/mountain life, and all that nature has to offer for fun activities nearby!! 3 miles away @Brasstown Valley Resort enjoy golf, horseback riding, restaurant and Equani Spa.
Within minutes you can do river tubing, wineries, hiking, mountain biking, fishing, boating, jet skiing, canoeing, paddle boarding, bars, restaurants, antique shopping, clothing and grocery shopping! This is not a remote mountain house! This property is an established rental on several STR platforms all with 5 star reviews!
Each level has a separate exterior entrance with keyless coded locks with an interior staircase door separating the units if you choose - house can be used/rented as whole house OR separate units. Both floors are fully equipped with a full kitchen, living room, bedroom(s), bathroom(s), laundry rooms, decks and even separate parking! Parking directly in front AND on the private street with plenty of room for a boat trailer, gravel driveway for terrace level, plus additional public parking lot access (down hill next to yellow house) covers all your needs!
Don't miss this unique opportunity to use this as a beautiful fully updated home as your primary oasis, vacation home or rental property with great income! Perfect vacation home that can pay for itself when combined with a STR plan! ASSUMABLE 3.9% LOAN FOR APPROVED BANK BUYERS
All 65 photos
Description provided by Classic Homes 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: $699,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1987 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- 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:
- 62 active listings competing, 10 under contract
For reference, this home is listed at $699,900 ($214/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,272 sq ft × $188–$240/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.
Similar homes for sale near Hiawassee
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 Hiawassee
- 2265 Eastgate Drive · $689,000 · 2 bd / 2.5 ba · listed September 19, 2026 (courtesy of North Peaks Realty)
- 4354 Wildcat Lane #96 · $190,000 · 1 bd / 1.5 ba · listed September 18, 2026 (courtesy of Mountain Realty)
- 6132 Ruth Drive · $489,900 · 3 bd / 3.5 ba · listed September 15, 2026 (courtesy of RE/MAX Town & Country)
- 117 Harris Ridge Court · $775,000 · 2 bd / 2.0 ba · listed September 15, 2026 (courtesy of Keller Williams Elevate)
- 549 Travaden Trail · $259,000 · 2 bd / 1.5 ba · listed September 11, 2026 (courtesy of Keller Williams Lanier Partners)
- 2734 Hidden Valley Road · $799,000 · 3 bd / 3.0 ba · listed September 11, 2026 (courtesy of As Seen Around The World LLC)
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 Classic Homes Realty · MLS # 10707840
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Recent sales activity in Hiawassee
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.
Assigned schools
Schools currently assigned to this address in Towns 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 3243 Dogwood Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1987 (39 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 Towns 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 3,272 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 $7,349/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.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 21, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 21, 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 3243 Dogwood Lane and when was it built?
Per the listing record, 3243 Dogwood Lane was built in 1987 and has 3,272 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 3243 Dogwood Lane in?
3243 Dogwood Lane is in Hiawassee, Towns County. The community section on this page shows recent closed sales, days on market, and active inventory for Hiawassee from the same MLS data.
Does 3243 Dogwood 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 3243 Dogwood Lane estimated?
The estimate on this page (about $7,349 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 3243 Dogwood 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.
See 3243 Dogwood Lane 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 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.