4475 Pebble Rock Drive, Cumming, GA 30041
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 18, 2026, 4475 Pebble Rock Drive in Hickory Lakeside, Cumming is listed at $1,650,000 (4,829 sq ft, about $342 per sq ft). That is 16% below Hickory Lakeside's median closed sale of $1,975,000 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $402/sq ft by about 15%. It has been 158 days on market, longer than the community's typical 25 days to contract. Listing facts: built in 2022, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2022 · 4 yrs
- 4,829 sq ft of living area
- Garage
- Listed at $1,650,000 — recent neighborhood median sale price ~$1,975,000 (nearby sales; deemed reliable, not an appraisal)
- 158 days on market
About this home
ELEGANT MODERN FARMHOUSE WITH LAKE ACCESS & DEEDED BOAT SLIP IN GATED COMMUNITY! This gem offers a refined blend of luxury, comfort & effortless lake living in a sought-after gated community where privacy, nature & connection come together. Enjoy effortless access to the lake with a deeded covered boat slip equipped with a heavy-duty lift, ideally positioned among the closest to golf cart parking at the community docks.
From the inviting rocking chair front porch to the serene wooded & lake views, every detail has been thoughtfully curated. Step inside to an open, light-filled floorplan where soaring ceilings & intentional design create an immediate sense of scale and warmth. The two-story vaulted family room serves as the heart of the home, anchored by expansive Pella windows and seamless flow into the kitchen and outdoor living spaces.
A dedicated main-level office provides a quiet workspace, while the overall layout balances openness with defined, purposeful living areas. Designed with both style & functionality in mind, the kitchen offers a warm, inviting space for everyday living and entertaining. Thoughtfully appointed with quality appliances, a pot filler, quartzite countertops, an island/breakfast bar & a built-in wine fridge, it provides the perfect balance of form & function.
A true highlight is the expansive secondary prep kitchen/walk-in pantry complete with a second sink, additional dishwasher, full-size refrigerator space & extensive cabinetry & workspace. The main-level primary suite is a private sanctuary designed for comfort & indulgence. Featuring two spacious custom closets with pocket doors & built-in shelving, the suite offers both beauty and function.
The spa-inspired bath includes a zero-entry glass shower, soaking tub & elegant finishes that create a serene, retreat-like atmosphere. A private coffee bar & wine fridge elevate the space even further, while direct access to a private deck provides the perfect setting. For ultimate convenience, the primary suite connects directly to the oversized laundry room, thoughtfully designed with extensive cabinetry, shelving & storage.
A secondary ensuite bedroom on the main level is positioned on the opposite side of the home with a full bath - ideal for guests or multigenerational living. Upstairs, two generously sized bedrooms share a full bath, including one with a very spacious oversized walk-in closet. A walkway overlooking the family room below enhances the home's open & connected feel.
Designed for year-round enjoyment, the home's outdoor spaces are equally impressive. A large vaulted screened porch with fireplace & TV mount creates the ultimate setting for relaxing or entertaining, seamlessly extending to a deck overlooking peaceful wooded surroundings and glimpses of the lake. The fenced backyard offers both privacy and flexibility, while the lower-level walk-out patio provides an additional outdoor retreat.
The expansive basement is designed to adapt to your lifestyle. Featuring a partial kitchen with refrigerator, microwave and sink, along with a second laundry area, full bath, bedroom space & living area, it's perfectly suited for an in-law suite or extended guest accommodations. Alternatively, the space can be transformed into a full entertainment level already set up with plumbing & counter height electrial for a wet bar.
Storage rooms & two efficient mini-split systems add comfort & practicality while direct access to the patio enhances livability. Offering four garage spaces, including a two-car garage with an EV charger plus a golf cart/boat garage on the main level & a lower-level garage for lake toys or equipment. The community also features a clubhouse, tennis and pickleball courts, a swimming pool, a firepit area & a welcoming yet peaceful atmosphere with an active social element.
Located less than a mile from a nearby park & convenient to restaurants & shopping, this home offers the perfect balance of seculsion & accessibility.
All 72 photos
Description provided by Realty Associates of Atlanta 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 $9,139/mo 83%
- Taxes $1,444/mo 13%
- Insurance $479/mo 4%
$11,062/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 Forsyth 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 Hickory Lakeside market
How this home is priced against recent nearby sales, and where Hickory Lakeside 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
- 2022BuiltPer public record
- About May 2026Listed (per MLS)MLS reports 158 cumulative days on market as of October 18, 2026
- Sep 2, 2026First seen on movewithmomentum.comObserved at $1,700,000
- Sep 26, 2026Price cut$1,650,000 (-$50,000, -2.9%)
- 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 in Hickory Lakeside 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: $1,975,000 ($402/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Property Score
73/100 is strong 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: 4 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. 3.0 months of supply in the surrounding market and 158 days on market for this home, against a 26-day area median.Days on market:this home 158Area median: 26 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 $342 per square foot, about 15% below the community’s $402 median. Hickory Lakeside’s 12-month median sold price per square foot is $402. Confidence: Low · 4 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.
Recent Hickory Lakeside sales closed near 96.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Georgia MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Hickory Lakeside, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 27, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Realty Associates of Atlanta · MLS # 10739953
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Similar homes for sale near Hickory Lakeside
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.
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Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Hickory Lakeside
Go deeper on Hickory Lakeside
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 →
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 4475 Pebble Rock Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- 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 4,829 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 $17,325/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 27, 2026) |
| Comparable sales | Georgia MLS closed sales in Hickory Lakeside, 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 4475 Pebble Rock Drive and when was it built?
Per the listing record, 4475 Pebble Rock Drive was built in 2022 and has 4,829 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4475 Pebble Rock Drive in?
4475 Pebble Rock Drive is in Hickory Lakeside in Cumming, Forsyth County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
How are property taxes on 4475 Pebble Rock Drive estimated?
The estimate on this page (about $17,325 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 4475 Pebble Rock 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.
See 4475 Pebble Rock Drive 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.
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.
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.