6 bedroom Single Family Residence at 3914 Brandon Mill Road, Lake Rabun, Lakemont — photo 1Front elevation
6 bedroom Single Family Residence at 3914 Brandon Mill Road, Lake Rabun, Lakemont — photo 2Living space
6 bedroom Single Family Residence at 3914 Brandon Mill Road, Lake Rabun, Lakemont — photo 3Kitchen
6 bedroom Single Family Residence at 3914 Brandon Mill Road, Lake Rabun, Lakemont — photo 4Owner's suite
98 days on market Single Family Residence
$6,800,000
6-Bedroom Home in Lake Rabun

3914 Brandon Mill Road, Lakemont, GA 30552

Single Family Residence in Lake Rabun, Lakemont · No CDD
Lake Rabun · Lakemont, GA 30552 · Rabun
Listing data updated September 3, 2026 · refreshed twice daily
6Bedrooms
5.5Bathrooms
5,972Sq Ft
2005Year Built
$1139Per Sq Ft
WaterfrontNo CDD6 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
138% above
$/sq ft vs community
$1139 here vs $479 median sold (12 mo)
Buyer leverage
Strong buyer advantage
98 days on market
13.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$24k–$48k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 10 of 10
Price vs recent sales
Asking $6.80M tops 10 of the last 10 closed sales; also one of the largest homes here at 5,972 sq ft

Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 2005 · 21 yrs
  • 5,972 sq ft of living area
  • 98 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 2005BuiltPer public record
  • Sep 2, 2026First trackedObserved at $6,800,000
  • 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.

Financing

Estimated monthly payment

$43,743/mo
  • Principal & interest $34,959/mo 80%
  • Taxes $5,950/mo 14%
  • Insurance $2,785/mo 6%
  • HOA $50/mo 0%

$43,743/mo at 20% down, 30-yr @ 6.66% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

21/100
Strongest on: Market liquidity (62), Renovation upside (23)
0 limited50100 exceptional

21/100 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.

Price vs area0
This home $1139/sq ft vs the community 12-month median $479/sq ft.
Affordability0
List price $6,800,000 vs the community median $1,537,500. Not a measure of personal affordability.
Market liquidity62
Community median 48 days on market (12-month record).
Renovation upside23
From a 2005 build and $1139/sq ft vs the community median $479/sq ft. Not a condition assessment.

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.

Momentum Research

The Momentum read

🟢 Buyer-leaning conditions around this listing. 13.2 months of supply in the surrounding market and 98 days on market for this home, against a 48-day area median.Days on market:this home 98Area median:  48 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 1, 2026.

🟡 Asking $1139 per square foot, about 138% above the community’s $479 median. Lake Rabun’s 12-month median sold price per square foot is $479. Confidence: Medium · 10 closed sales in 12 monthsMLS 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 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Shake off the daily rush the moment you settle into this extraordinary turnkey furnished home on Lake Rabun, where dramatic views stretch across the open water of the Big Basin. Statement stone fireplaces warm the interiors, surrounded by rich rustic elegance and an open flow that brings everyone together. A sophisticated kitchen serves as the heart of the main level, making it easy to create and serve while conversations carry from the living spaces out to expansive decks and the screened porch beyond.

This is where mornings might begin with coffee on the porch as sunlight dances on the water, afternoons fill with swims, boat rides, or games by the boathouse, and nights gather everyone around the fireplaces or under the stars. The Adirondack inspired architecture, with its warm wood finishes and open main level spaces, creates an environment that feels lived in and lasting, an heirloom property built for generations of memories on one of North Georgia's most protected and treasured lakes. This home is thoughtfully built so families can spread out comfortably.

On the main level, the primary suite provides a private luxurious space, with an office close by for quiet moments. Upstairs, three bedrooms and a loft offer space for family or guests to claim as their own. Down on the terrace level, a family room centered around the pool table and bar invites relaxed evenings, joined by two more bedrooms, one a comfortable guest suite that echoes the primary, and a steam shower and sauna ready after long days on the water.

Outside, life centers on the lake. A newly rebuilt deep water boathouse with stone and barn door accents includes a covered sun deck, easy boat access, and spots perfect for jumping in or sitting with your feet dangling over the edge. A swim dock and beach make splashing and play simple for children, while the fire pit overlooks the broad Big Basin, drawing everyone around its glow as evenings settle in.

Well appointed landscaping and landscape lighting soften the surroundings after dark, and a whole house backup generator keeps things comfortable through any weather. When the mood shifts, the area keeps daily life convenient without pulling you far from the water. In nearby Lakemont, the historic village holds spots like The Open Door at Alley's for fresh sandwiches and a casual atmosphere.

Take the boat over to nearby options like Max's Lakeside for lakeside pizza or the Lake Rabun Hotel for craft cocktails and fine dining. A short drive brings you to Clayton's lively Main Street lined with boutique shops, art galleries, bookstores, and a mix of farm to table restaurants and cafes. Whether you want a quick errand, unique finds, or a meal that highlights the region's fresh ingredients, everything stays close enough that the lake remains the true heart of your days.

This waterfront home delivers a refined lakeside lifestyle where family and friends can connect deeply, spread out comfortably, and return season after season.

Description provided by RE/MAX Town & Country and reproduced from the MLS; not independently verified.

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$6,800,000
Bed / bath6 / 5.5
Living area5,972 sq ft
Year built2005
Property typeSingle Family Residence
MLS #10723943
Listing status98 days on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyRabun
Estimated first-year tax~$71,400/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$1139
Estimated monthly payment$43,743
Insurance (illustrative)$24k–$48k/yr
Comparable-sales median$1,537,500

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
Listing courtesy of RE/MAX Town & Country · Listing agent: Jon Barnwell Team · 706-960-2304Provided 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™

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.

$2,520,184the mess$3,200,992

Actual list price: $6,800,000 — 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 renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • 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:

  • This home: 98 days on market vs. a 48-day community median
  • 11 active listings competing
  • 10 closed here in the last 12 months

For reference, this home is listed at $6,800,000 ($1,139/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 5,972 sq ft × $422–$536/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 3, 2026.

Keep looking

Similar homes for sale near Lake Rabun

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.

Transparency

Price & listing history

Listed for $6,800,000Momentum Realty · on market 98 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$71,400/yr

A rough first-year estimate only, applying a typical Rabun rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$24k–$48k/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
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

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
Not on record

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

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Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by RE/MAX Town & Country · MLS # 10723943

Request a showing

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Market data · public records

Recent sales activity in Lake Rabun

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 Rabun neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$1,537,500

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$479

Canonical 12-month median $/sq ft. Reference only.

Go deeper on Lake Rabun

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 Rabun 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.

RabunAssigned elementary school · Rabun County School District
RabunAssigned middle school · Rabun County School District
RabunAssigned high school · Rabun County School District
How it stacks up

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.

If you rent it out

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.

Estimated rent$31,167 – $45,333/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$13,508 – −$759At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

City
Lakemont

Groceries, dining, and parks for this city — see the city guide.

County
Rabun

Schools, taxes, and services are county-administered — see the county guide.

Community
Lake Rabun

Amenities and HOA/CDD detail on the neighborhood guide.

View →
Provenance

Data sources & freshness

Listing recordGeorgia MLS, refreshed twice daily (last: September 3, 2026)
Community market statsGeorgia MLS closed sales, as of September 1, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costEstimated from county rates; not a quote
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

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

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

See 3914 Brandon Mill Road in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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.