3680 Sinclair Shores Road, Cumming, GA 30041
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 23, 2026, 3680 Sinclair Shores Road in Lake Lanier - Private Dock w/ Party Deck, Cumming is listed at $1,299,000 (2,912 sq ft, about $446 per sq ft). It has been 31 days on market. Listing facts: built in 1986, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1986 · 40 yrs
- 2,912 sq ft of living area
- Garage
- 31 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1986BuiltPer public record
- Sep 2, 2026First trackedObserved at $1,339,000
- Sep 9, 2026Price cut$1,299,000
- 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 $6,879/mo 78%
- Taxes $1,137/mo 13%
- Insurance $705/mo 8%
- HOA $50/mo 1%
$8,770/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
49/100 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 $446 per square foot, about in line with the community’s $446 median. Lake Lanier - Private Dock W/ Party Deck’s 12-month median sold price per square foot is $446. 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 Lake Lanier - Private Dock W/ Party Deck, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
LAKE LANIER LIVING-WITHOUT THE RENOVATION! Plus, preferred lender will buy down your interest rate by 1% for a full year. If you've been searching for a Lake Lanier home that's truly move-in ready, your search ends here.
Beautifully renovated from top to bottom, this exceptional lakefront retreat allows you to spend your weekends on the water-not managing contractors or tackling endless projects. The property features a 28x24 single-slip dock with an expansive upper party deck, perfectly positioned on deep water with approximately 10-15 feet of depth even during lower lake levels. Freshly painted and equipped with Aqua Stairs, the dock is ready for boating, swimming, fishing, or simply soaking in the long-range lake views with friends and family.
Inside, every major update has already been completed. The thoughtfully renovated kitchen features Quartz countertops, a large island with seating, farmhouse sink, gas range, Bosch dishwasher, and finishes that feel both timeless and current. The adjoining dining room and vaulted family room-with custom wood ceilings and a wood-burning stove-create warm, inviting spaces for everyday living and effortless entertaining.
Wake each morning to peaceful lake views from the private owner's suite, complete with a motorized window shade and beautifully renovated spa-like bathroom featuring a large walk-in shower, shiplap accents, and designer finishes. A second bedroom and updated half bath complete the main level, making this home comfortable for everyday living as well as weekend guests. The finished terrace level extends the home's entertaining space with a spacious recreation room, plenty of room for a custom bar or beverage center, a flex room currently used as a third bedroom, a full bath, laundry room, and generous storage.
Outdoor living is equally impressive!! Set on 1.38 private acres, you'll enjoy multiple outdoor gathering spaces including an incredible screened porch with a hanging daybed, oversized decks, outdoor shower and a hot tub overlooking the lake. The fenced front yard is ideal for pets, while the large lot offers the privacy that's becoming increasingly difficult to find on Lake Lanier.
Beyond the cosmetic renovations, you'll appreciate the extensive investment in the home's major systems. Recent improvements include new windows and doors (2023), new roof and gutters (2025), HVAC systems (2021 & 2023), whole-house generator wiring, and a charming She Shed (2021). The detached three-car garage provides abundant storage for vehicles, boats, golf carts, and lake toys.
Properties like this are incredibly rare-a deep-water dock, extensive renovations, updated major systems, multiple indoor and outdoor entertaining spaces, detached three-car garage, 1.38 private acres, and NO HOA. Every significant project has already been completed, allowing you to move in, unpack, and immediately begin enjoying everything Lake Lanier has to offer!
All 53 photos
Description provided by Maximum One Premier Realtors 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: $1,299,000 — 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 1986 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
For reference, this home is listed at $1,299,000 ($446/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,912 sq ft × $392–$500/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 23, 2026.
Similar homes for sale near Lake Lanier - Private Dock w/ Party Deck
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 Cumming
- 2980 Coach River Way, Cumming · $675,000 · 5 bd / 4.0 ba · listed September 20, 2026 (courtesy of Sekhars Realty, Inc.)
- 7545 Rambling Vale, Cumming · $570,000 · 5 bd / 3.0 ba · listed September 19, 2026 (courtesy of Atlanta Communities)
- 4750 Heathcliff Way, Cumming · $739,900 · 5 bd / 3.5 ba · listed September 19, 2026 (courtesy of Keller Williams Atlanta Perimeter)
- 3345 Carmichael Drive, Cumming · $849,000 · 5 bd / 4.0 ba · listed September 19, 2026 (courtesy of BHGRE Metro Brokers)
- 3990 F A A Road, Cumming · $449,999 · 4 bd / 3.0 ba · listed September 17, 2026 (courtesy of Keller Williams Community Partners)
- 3504 Castleberry Village Circle #36, Cumming · $405,000 · 3 bd / 2.5 ba · listed September 17, 2026 (courtesy of Keller Williams Community Partners)
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 Maximum One Premier Realtors · MLS # 10824042
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Recent sales activity in Lake Lanier - Private Dock w/ Party Deck
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 Lake Lanier - Private Dock w/ Party Deck 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 Lake Lanier - Private Dock w/ Party Deck
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 Forsyth 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 3680 Sinclair Shores Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1986 (40 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 Forsyth 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 2,912 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 $13,640/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.
View →Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 23, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 20, 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 3680 Sinclair Shores Road and when was it built?
Per the listing record, 3680 Sinclair Shores Road was built in 1986 and has 2,912 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3680 Sinclair Shores Road in?
3680 Sinclair Shores Road is in Lake Lanier - Private Dock w/ Party Deck in Cumming, Forsyth County. The community section on this page shows recent closed sales, days on market, and active inventory for Lake Lanier - Private Dock w/ Party Deck from the same MLS data.
Does 3680 Sinclair Shores Road 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 3680 Sinclair Shores Road estimated?
The estimate on this page (about $13,640 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 3680 Sinclair Shores Road 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.
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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.