3 bedroom Single Family Residence at 491 Liberty Hill Church Road, Cedar Creek Crossing, Hartwell — photo 1Front elevation
3 bedroom Single Family Residence at 491 Liberty Hill Church Road, Cedar Creek Crossing, Hartwell — photo 2Living space
3 bedroom Single Family Residence at 491 Liberty Hill Church Road, Cedar Creek Crossing, Hartwell — photo 3Kitchen
3 bedroom Single Family Residence at 491 Liberty Hill Church Road, Cedar Creek Crossing, Hartwell — photo 4Owner's suite
3 bedroom Single Family Residence at 491 Liberty Hill Church Road, Cedar Creek Crossing, Hartwell — photo 5Exterior / yardView all 38 photos →
New — 1 day on market Single Family Residence
$389,900
3-Bedroom Home in Cedar Creek Crossing

491 Liberty Hill Church Road, Hartwell, GA 30643

Single Family Residence in Cedar Creek Crossing, Hartwell · No CDD · Built 2025
Cedar Creek Crossing · Hartwell, GA 30643 · Hart
Listing data updated September 9, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,777Sq Ft
2025Year Built
$219Per Sq Ft
GarageNew constructionNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
16% above
$/sq ft vs community
$219 here vs $189 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 12
Price vs recent sales
Asking $390k tops 8 of the last 12 closed sales

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

Highlights

As of September 9, 2026, 491 Liberty Hill Church Road in Cedar Creek Crossing, Hartwell is listed at $389,900 (1,777 sq ft, about $219 per sq ft). That sits within a few percent of Cedar Creek Crossing's median closed sale of $349,900 over the last 12 months (7 recorded sales). Per square foot it is above the community's recent $189/sq ft by about 16%. It came to market within the past week. Listing facts: new construction. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • New construction — built 2025
  • 1,777 sq ft of living area
  • Garage
  • Listed at $389,900 — recent neighborhood median sale price ~$349,900 (nearby sales; deemed reliable, not an appraisal)
  • New to market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Cedar Creek Crossing

Pricing & the Cedar Creek Crossing market

How this home is priced against recent nearby sales, and where Cedar Creek Crossing 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.

Price per sq ft · this home vs. recent nearby sales116 JOSEPH Lane116 JOSEPH Lane: $168/sq ft$168155 Berryman Road155 Berryman Road: $170/sq ft$17047 Rachel Lane47 Rachel Lane: $183/sq ft$183277 RACHEL Lane277 RACHEL Lane: $194/sq ft$194184 RACHEL Lane184 RACHEL Lane: $200/sq ft$200546 RACHEL Lane546 RACHEL Lane: $206/sq ft$206This homeThis home: $219/sq ft$219Community median $189

Median $/sq ft by year

Community sold $/sq ft, 2024–2026. This home lists at $219/sq ft.

$166$179$1912024: $16920242025: $18520252026: $1892026

Median sale price by year

12-month median closed price, 2024–2026.

$307k$331k$354k2024: $312k20242025: $335k20252026: $350k2026
Property timeline

This home’s history

  • 2025BuiltPer public record
  • Sep 6, 2026First trackedObserved at $389,900
  • 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.

Financing

Estimated monthly payment

$2,511/mo
  • Principal & interest $2,015/mo 80%
  • Taxes $341/mo 14%
  • Insurance $105/mo 4%
  • HOA $50/mo 2%

$2,511/mo at 20% down, 30-yr @ 6.71% · edit any field to update.

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

Momentum Scores

Momentum Property Score

29/100
Strongest on: Pricing power (54), Market liquidity (42)
0 limited50100 exceptional

29/100 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 area10
This home $219/sq ft vs the community 12-month median $189/sq ft.
Affordability31
List price $389,900 vs the community median $349,900. Not a measure of personal affordability.
Market liquidity42
Community median 115 days on market, ~3.0 months of supply (12-month record).
Renovation upside10
From a 2025 build and $219/sq ft vs the community median $189/sq ft. Not a condition assessment.
Pricing power54
Recent sales closed at about 97.3% of original asking (~2.7% below). More room below asking generally favors buyers.

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

🟠 Seller-leaning conditions around this listing. 3.0 months of supply in the surrounding market and 1 days on market for this home, against a 115-day area median.Days on market:this home 1Area median:  115 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 3, 2026.

🟡 Asking $219 per square foot, about 16% above the community’s $189 median. Cedar Creek Crossing’s 12-month median sold price per square foot is $189. Median sold price per square foot is up 4.5% year over year. Confidence: Low · 7 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 Cedar Creek Crossing sales closed near 97.3% 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 3, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 3 active listings in Cedar Creek Crossing, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

READY IN DECEMBER! The Fairlane Model is an impressive 3 bedroom/2 full bath ranch home sits on a 1/2 acre lot in the desirable Cedar Creek Crossing Subdivision just outside Hartwell city limits. Welcome to this stunning home that perfectly blends charm, comfort, and modern luxury.

From the moment you arrive, you'll be greeted by an oversized front porch-ideal for relaxing with a morning coffee or entertaining guests on warm evenings. Step inside to discover a bright, open-concept layout with stylish finishes throughout. The heart of the home is the chef's kitchen, complete with stainless steel appliances, custom cabinetry, sleek countertops, a large island, and plenty of prep space-designed to inspire both everyday meals and gourmet entertaining.

The main living area flows effortlessly, featuring beautiful flooring, upgraded lighting, and large windows that fill the space with natural light. Generously sized bedrooms offer plenty of comfort and storage, while the bathrooms include elegant fixtures and spa-like touches. Outside, enjoy a spacious backyard perfect for play, pets, or gardening, along with room to add a patio, pool, or firepit.

BEAUTIFUL YARDS Sodded front, side, and 25 ft of sod behind house along with a COVERED concrete patio for you to sit and enjoy breathtaking sunsets!! Whether you're hosting gatherings or simply enjoying the tranquility of your own space, this home is ready to impress!! Located in a desirable neighborhood that everyone is talking about!

This ranch offers both lifestyle and convenience where QUALITY, STYLE, AND LOCATION come together! Cedar Creek Crossing gives you peace of mind that your home is built with unmatched quality and assurance! Builder stands behind his work with a 2-10 warranty providing 1 yr workmanship, 2 yr mechanical, and 10 yr structural!

We care about our buyers and ensure that every homeowner has a personal meet and greet with the Builder himself! Our seamless and attentive home buying process takes the stress out of the transaction! Beautiful Lake Hartwell with a boat ramp is less than 2 miles away.

Downtown Hartwell was voted "BEST DOWNTOWN 2023" Shops and downtown square are just 7 minutes away! You will fall in love with this peaceful Community! It is a hidden gem tucked away just waiting for you to call it home!.**We have wonderful builder incentives with Preferred Lender!

Photos are STOCK PHOTOS.

Description provided by Peggy Slappey Properties 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$389,900
Bed / bath3 / 2
Living area1,777 sq ft
Year built2025
Property typeSingle Family Residence
GarageYes
MLS #10840967
Listing statusNew &mdash; 1 day on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyHart
Area listings3 active · 0 under contract
Estimated first-year tax~$4,094/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$219
Estimated monthly payment$2,511
Insurance (illustrative)$1k–$2k/yr
Messtimate range$302,090 – $355,400
Comparable-sales median$349,900

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 Peggy Slappey Properties · Listing agent: Elizabeth Hutcheson · 770-932-3440Provided 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.

$302,090the mess$355,400

Actual list price: $389,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 18% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
  • 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: 1 days on market vs. a 115-day community median
  • 5 active listings competing
  • 3.0 months of supply
  • 12 closed here in the last 12 months

For reference, this home is listed at $389,900 ($219/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: 1,777 sq ft × $170–$200/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.

Keep looking

Similar homes for sale near Cedar Creek Crossing

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 $389,900Momentum Realty · on market 1 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.)
~$4,094/yr

A rough first-year estimate only, applying a typical Hart 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)
$1k–$2k/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?

Want to see 491 Liberty Hill Church Road?

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 Peggy Slappey Properties · MLS # 10840967

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in Cedar Creek Crossing

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 Cedar Creek Crossing neighborhood guide for more.

Comparable sales found
6

Recent nearby closings in the data set.

Community median sale price
$349,900

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$189

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

Go deeper on Cedar Creek Crossing

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 Hart 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.

HartwellAssigned elementary school · Hart County School District
HartAssigned middle school · Hart County School District
HartAssigned high school · Hart 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.

Community 12-month median: $189/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

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$1,787 – $2,599/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−$777 – −$46At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 491 Liberty Hill Church Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
  • 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 Hart County; age of roof and any prior claims affect the premium.
  • Listed living area is 1,777 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 $4,094/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.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

City
Hartwell

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

County
Hart

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

Community
Cedar Creek Crossing

Amenities and HOA/CDD detail on the neighborhood guide.

View →
Provenance

Data sources & freshness

Listing recordGeorgia MLS, refreshed twice daily (last: September 9, 2026)
Community market statsGeorgia MLS closed sales, as of September 3, 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

How big is 491 Liberty Hill Church Road and when was it built?

Per the listing record, 491 Liberty Hill Church Road was built in 2025 and has 1,777 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 491 Liberty Hill Church Road in?

491 Liberty Hill Church Road is in Cedar Creek Crossing in Hartwell, Hart County. The community section on this page shows recent closed sales, days on market, and active inventory for Cedar Creek Crossing from the same MLS data.

How are property taxes on 491 Liberty Hill Church Road estimated?

The estimate on this page (about $4,094 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 491 Liberty Hill Church 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.

Ready when you are

See 491 Liberty Hill Church 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.