4972 Cottonwood Trail, Gainesville, GA 30504
As of September 9, 2026, 4972 Cottonwood Trail in Creekside of Mundy Mill Sub, Gainesville is listed at $439,900 (2,236 sq ft, about $197 per sq ft). It came to market within the past week. Listing facts: built in 2020. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2020 · 6 yrs
- 2,236 sq ft of living area
- Garage
- Active listing
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2020BuiltPer public record
- Sep 9, 2026First trackedObserved at $439,900
- 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.
Estimated monthly payment
- Principal & interest $2,273/mo 80%
- Taxes $385/mo 14%
- Insurance $134/mo 5%
- HOA $50/mo 2%
$2,842/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 Property Score
37/100 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.
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 $197 per square foot, about in line with the community’s $197 median. Creekside of Mundy Mill Sub’s 12-month median sold price per square foot is $197. 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: 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
About this home
HOT HOT HOT BRAND NEW ROOF WITH THE BUYER'S TRANSFERABLE WARRANTY !!! WOW WOW WOW such a beautiful home with 4 bedrooms, 2.5 baths in the highly desirable quiet neighbourhood WITH THE UNFINISHED BASEMENT of Mundy Mill. This beautiful home was built in 2020 with 2236 square feet of living space on the main level and upstairs.
There is an 940 sf of the unfinished basement. This stunning home offers the perfect blend of comfort, style, and functionality. The home situates on the cul-de-sac with the PRIVATE TRANQUIL WOODED BACKYARD.
Upon entering the property, you will see the super long driveway with a two car garage. The home offers a lovely front porch with the low-maintenance brick and durable hardi plank sidings. The first floor was made of hardwood and carpet.
Fall in love with the open concept with lots of natural light. The Chef inspired kitchen offers a oversized island with GRANITE COUNTERTOP; kitchen pantry; disposal in place; all appliances are stainless steel; the beautiful backsplash for easy maintenance. There are lots of cabinets for storage in the kitchen.
Inside, you'll find a bright and open floor plan filled with natural light that balance elegance and functionality. There are about 5 windows in the OVERSIZE family room and one in the kitchen for natural light. The family room is spacious with a lovely fireplace that is perfect for cosy evenings or lively gatherings.
There is a lovely deck for your family to relax overlooking to the private wooded relaxing backyard with inviting views. All bedrooms are on the second floor. The upstairs laundry room adds everyday convenience.
The owner's suite is oversized with two windows. Fall in love with the owners' bathroom which offers double vanity, A HUGE SHOWERING ROOM AND LARGE WALK-IN CLOSET. ALL OTHER BEDROOMS ARE RELATIVELY LARGE.
There are GRANITE COUNTERTOPS in every bathroom. THIS IS THE PREMIUM UPGRADE FROM THE BUILDER WHEN THE OWNERS BOUGHT THIS HOME. The unfinished basement offers lots of windows and ready for you to build with the patio in the back.
Even though this home has a basement but the backyard is relatively level. Located in a prime Gainesville location, close to shopping, parks, Lake Lanier, community events, and easy highway access, this home is part of a vibrant community filled with amenities and fun activities. There is coming soon Kroger nearby.
This wonderful home is a perfect blend of comfort, style and functionality. This home is only about 1.4 miles (about 3 minutes) from University of North Georgia; about 1.6 miles (4 minutes) from Walmart; about 1.8 miles (5 minutes) from Sam Club. This home was meticulously taken care and ready to move in.
What makes this home so special is that the home in the cul-de-sac with the quiet, untouchable backyard and the setback land that can not be developed so it adds the values to the quietness of the home. Furthermore, from the beginning of the subdivision to this home, it only take a turn onto Millside parkway. In another word, this home is not located further down in the subdivision which makes it easy to get in and out of the subdivision.
This subdivision offers the swimming pools and tennis courts. This beautiful home is ready to move in so hurry before it is gone !!! THIS BEAUTIFUL HOME IS ALMOST NEW, WAS BUILT IN 2020 IN A QUIET CUL-DE-SAC.
THE LOCATION IS EXCELLENT. ATTENTION: THE FIRST FLOOR IS BEING PAINTED AS OF MARCH 26, 2026. LOW HOA FEE OF 685 DOLLARS PER YEAR WITH THREE SWIMMING POOLS AND TENNIS COURTS.
NO RENTAL RESTRICTIONS IN THIS NEIGHBORHOOD !!!
Description provided by NDI Maxim Residential LLC. 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: $439,900 — 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 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:
- 250 active listings competing, 84 under contract
For reference, this home is listed at $439,900 ($197/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,236 sq ft × $173–$221/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Similar homes for sale near Creekside of Mundy Mill Sub
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.
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 NDI Maxim Residential LLC. · MLS # 10841883
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Recent sales activity in Creekside of Mundy Mill Sub
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 Creekside of Mundy Mill Sub 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.
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 →
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 4972 Cottonwood Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2020: 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 Hall County; age of roof and any prior claims affect the premium.
- Listed living area is 2,236 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 $4,619/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.
Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 9, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 9, 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 4972 Cottonwood Trail and when was it built?
Per the listing record, 4972 Cottonwood Trail was built in 2020 and has 2,236 sq ft of living area, 4 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 4972 Cottonwood Trail in?
4972 Cottonwood Trail is in Creekside of Mundy Mill Sub in Gainesville, Hall County. The community section on this page shows recent closed sales, days on market, and active inventory for Creekside of Mundy Mill Sub from the same MLS data.
How are property taxes on 4972 Cottonwood Trail estimated?
The estimate on this page (about $4,619 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 4972 Cottonwood Trail 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.
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.