3464 Carolyn Street, Gainesville, GA 30504
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 13, 2026, 3464 Carolyn Street in James M Reed, Gainesville is listed at $3,000,000 (6,968 sq ft, about $431 per sq ft). It has been 663 days on market. Listing facts: built in 1998, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1998 · 28 yrs
- 6,968 sq ft of living area
- Garage
- Listed at $3,000,000 — recent neighborhood median sale price ~$1,745,000 (nearby sales; deemed reliable, not an appraisal)
- 663 days on market
- No HOA reported by the listing (confirm)
About this home
This magnificent, elegantly rustic, custom built Lake Lanier estate on 6.78 acres includes a Main Home, a Carriage House, and 2 attached Guest Houses on deep water with a double slip party dock, along with a stream, multiple waterfalls and water features, covered gazebo, and stone walking paths, is like no other property you've experienced! It could easily function as a private estate, investment opportunity, or corporate retreat. The refined gated entrance and tree lined drive over the stream welcomes you to the Main Home reminiscent of a log home in the mountains.
Once inside, you'll appreciate the family room with gorgeous, hand hewn logs and beams, pine floors taken from an 1800's cabin, both joined with wood pegs, wood ceiling, stone fireplace, and an open porch leading to a stone patio that captures beautiful lake views. The kitchen boasts a stone backsplash, Viking appliances of a 4 burner with griddle gas range and refrigerator, a Bosch dishwasher, built-in pantry, a second stone fireplace in the dining area, and lake views. Just off the kitchen is a laundry room, and a hall full bath with SteaMist shower.
Walk past a spiral staircase (reclaimed from a ship) and you'll find a generous Guest bedroom with ensuite offering a third stone fireplace, built-ins, lake views, and French doors to a private screened porch. The bath includes a gorgeous stone accent wall and a huge, dual head shower. Upstairs, the Primary bedroom with ensuite offers a cozy sitting/office area featuring a wood burning stove against a stone accent wall.
Built-ins and a spacious morning bar lead into the luxurious bath with a makeup area, SteaMist shower, and stone floors. Within the bedroom, a fourth stone fireplace, huge walk-in closet with built-in storage, and French doors leading to your private deck overlooking the lake, combine to enhance the beginning or ending of your day. An additional bedroom/office with 3 closets, a sitting area, and a fifth stone fireplace will warmly welcome guests.
Two hall closets and a hall, full bath completes the upper floor. The Carriage House features a 2 bay, heated and cooled garage with an interlocking tiled floor. Upstairs you'll enjoy the convenience of a full kitchen with a Thermador 4 burner gas range, 2 Subzero under counter refrigerators, a Bosch dishwasher, granite counters, stained cabinets, wood walls and ceiling, and wide board pine flooring.
A spacious dining and living area focuses on a stacked stone accent wall with wood burning stove. A full bath, linen closet, and closet, along with a loft bedroom makes a perfect space for your guests. Should there be a power loss, a Generac generator supports the Main Home and the Carriage House.
The Guest Homes allow for additional family or guests to feel right at home. Each home features 2 garage bays that are heated and cooled with separate thermostats, with 1 bay hosting an EV charger. Upon entering the homes, you'll find a laundry room with glazed cabinets, Travertine tile floors, granite countertops, and a sink.
Before you walk upstairs, look up! You won't want to miss the stunning, light-filled, wood ceiling. Once upstairs, you'll find that both living spaces are private, yet conveniently connected.
They each offer kitchenettes with Kitchen Aide refrigerators, drawer dishwashers, and microwaves. The family and dining areas are intimate, and both have ample bedrooms with ensuites. Stone paths from the Main home and the Guest Home lead past the stream, waterfall, and pond to a covered gazebo with beautiful lake views.
The 32x32 double slip, covered dock is teak and has been recently pressure washed and oiled. Included at the dock are a boat hoist and 4 jet ski ports. The dock electrical was also recently rewired.
This amazing property also features stone accent walls. A walkable paved cart path that leads to the adjacent vacant lot with a concrete drive allows for overflow parking, an RV or trailer for your watercraft, and a separate gated entrance.
All 90 photos
Description provided by The Norton Agency and reproduced from the MLS; not independently verified.
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.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
Estimated monthly payment
- Principal & interest $16,617/mo 81%
- Taxes $2,625/mo 13%
- Insurance $1,376/mo 7%
$20,618/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.
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.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
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.
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
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the James M Reed market
How this home is priced against recent nearby sales, and where James M Reed 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.
This home’s history
- 1998BuiltPer public record
- About Dec 2024Listed (per MLS)MLS reports 663 cumulative days on market as of October 13, 2026
- Sep 2, 2026First seen on movewithmomentum.comObserved at $3,000,000
- 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.
Price & listing history
Building permits
Comparable recent sales
4 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 4 sales: $1,745,000 ($318/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 4 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $3,000,000 — 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 1998 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:
- 1 active listing competing
- ≈12.0 months of supply
- 1 closed here in the last 12 months
For reference, this home is listed at $3,000,000 ($431/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 6,968 sq ft × $280–$356/sq ft (±12% around the median of 4 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Property Score
12/100 is limited 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.
Coverage: 3 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 663 days on market for this home, against a 663-day area median.Days on market:this home 663Area median: 663 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. As of September 20, 2026.
🟡 Asking $431 per square foot, about 36% above the community’s $318 median. James M Reed’s 12-month median sold price per square foot is $318. 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 James M Reed, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by The Norton Agency · MLS # 10393508
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More on James M Reed
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Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. 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.
View →Buyer research checklist
Items worth confirming for 3464 Carolyn Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1998 (28 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 6,968 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 $31,500/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.
Data sources & freshness
| Listing record | Georgia MLS, checked against the MLS hourly (last: October 13, 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.
Frequently asked questions
How big is 3464 Carolyn Street and when was it built?
Per the listing record, 3464 Carolyn Street was built in 1998 and has 6,968 sq ft of living area, 6 bedrooms and 7.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3464 Carolyn Street in?
3464 Carolyn Street is in James M Reed in Gainesville, Hall County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3464 Carolyn Street 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 3464 Carolyn Street estimated?
The estimate on this page (about $31,500 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 3464 Carolyn Street 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 3464 Carolyn Street 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 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.
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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.