listed Aug 26, 2026 Single Family Residence ▼ Price cut: $9,600 (10/24)
$539,900
3-Bedroom Home in The Retreat at Sterling on the Lake

6853 River Rock Drive, Flowery Branch, GA 30542

Single Family Residence in The Retreat at Sterling on the Lake, Flowery Branch · No CDD on record · Built 2021
The Retreat at Sterling on the Lake · Flowery Branch, GA 30542 · Hall County
Listing data checked against the MLS November 3, 2026 at 2:39 PM ET · rechecked hourly
3Bedrooms
2Bathrooms
2,452Sq Ft
2021Year Built
$220Per Sq Ft
WaterfrontGarageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
13% below
$/sq ft vs community
$220 here vs $253 median sold (12 mo)
Buyer leverage
Strong buyer advantage
69 days on market
10.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/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 $540k 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

6853 River Rock Drive in The Retreat at Sterling on the Lake, Flowery Branch is listed at $539,900 (2,452 sq ft, about $220 per sq ft). That sits within a few percent of The Retreat at Sterling on the Lake's median closed sale of $580,000 over the last 12 months (9 recorded sales). Per square foot it is below the community's recent $253/sq ft by about 13%. It has been listed Aug 26, 2026, longer than the community's typical 19 days to contract. Listing facts: built in 2021, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2021 · 5 yrs
  • 2,452 sq ft of living area
  • Garage
  • Listed at $539,900 — recent neighborhood median sale price ~$580,000 (nearby sales; deemed reliable, not an appraisal)
  • listed Aug 26, 2026
Listing description

About this home

AN EXCEPTIONAL FIND IN THE RETREAT AT STERLING ON THE LAKE! This beautifully upgraded David Weekley home combines premium features, a rare .25 acre lot, privacy, and resort-style living. Perched on a premium hilltop cul-de-sac lot, the home enjoys minimal exposure to surrounding neighbors.

Elegant wrought-iron fencing encloses the backyard, while covered front and rear patios extend the living space outdoors. Inside, soaring 10-foot ceilings, crown molding, and exceptional natural light make an immediate impression. From the moment you step through the front door, your view carries straight through to a wall of windows framing the wooded backyard beyond.

Sunlight FILLS the main living areas, while expansive views of trees and greenery create a sense of openness and privacy rarely found in the community. A versatile multi-purpose room just off the foyer is spacious enough for a grand piano and equally suited as a private library, sitting room, home office, or creative space. The beautifully appointed kitchen features a large center island, gas cooktop with vent hood, custom pull out cabinetry, oversized walk in pantry, and built in coffee bar.

It flows into the dining and family rooms, where a gas fireplace and wall of windows showcase the wooded setting. The main level primary suite features custom closet systems, electric room darkening shades, dual vanities, and a walk-in shower. Two additional bedrooms provide comfortable space for family and guests.

Upstairs, an expansive loft sets this home apart from many competing floor plans. With 9-foot ceilings, additional storage, large windows, and impressive elevated views, this flexible second living area is ideal as a media room, fitness studio, craft room, office, or guest retreat. Additional features include stepless entry, a spacious two car garage, custom storage, and HOA maintained lawn care.

Residents enjoy exclusive Retreat amenities including a clubhouse, resort-style pool, pickleball courts, fitness amenities, and social activities, plus Sterling on the Lake's lakeside pavilions, kayaking, fishing, walking trails, tennis courts, community events, and recreation. Conveniently located near Lake Lanier, Downtown Flowery Branch, Gainesville, and Northeast Georgia Medical Center. With its premium cul-de-sac setting, rare fenced .25-acre lot, flexible floor plan, extensive upgrades, THIS opportunity deserves a second look.

If you've been waiting for the right home and the right value in The Retreat, now may be the time to make your move.

All 59 photos

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Description provided by BHHS Georgia Properties and reproduced from the MLS; not independently verified.

Listing courtesy of BHHS Georgia Properties · Listing agent: Jeanne Morgan · 770-844-8484Provided 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.
How it stacks up

Comparable recent sales

6 closed sales in The Retreat at Sterling on the Lake 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 6 sales: $580,000 ($253/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

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$539,900
Bed / bath3 / 2
Living area2,452 sq ft
Year built2021
Property typeSingle Family Residence
GarageYes
MLS #10829036
Listing statuslisted Aug 26, 2026

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~1082 ft
CountyHall
Area listings9 active · 1 under contract
Estimated first-year tax~$5,669/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$220
Estimated monthly payment$3,577
Insurance (illustrative)$2k–$3k/yr
Messtimate range$551,700 – $738,052
Comparable-sales median$580,000

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
Financing

Estimated monthly payment

$3,577/mo
  • Principal & interest $2,944/mo 82%
  • Taxes $472/mo 13%
  • Insurance $161/mo 4%

$3,577/mo at 20% down, 30-yr @ 7.24% · edit any field to update.

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

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.)
~$5,669/yr

Estimate: a typical Hall effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$3k/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
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

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
~1082 ft

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

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk

Natural hazard risk

FEMA National Risk Index for Hall County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireVery Low
TornadoRelatively High
LightningRelatively High
Strong windRelatively Moderate
DroughtRelatively Low
HailRelatively Moderate
Cold waveRelatively Moderate
Winter weatherRelatively Low

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 — how to check availability for this address
Connectivity

Internet & broadband

Fiber
Check availability

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
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · The Retreat at Sterling on the Lake

Pricing & the The Retreat at Sterling on the Lake market

How this home is priced against recent nearby sales, and where The Retreat at Sterling on the Lake 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 salesThis homeThis home: $220/sq ft$2206931 Scenic Overlook Tra…6931 Scenic Overlook Trace: $225/sq ft$2256931 Scenic Overlook Tra…6931 Scenic Overlook Trace: $225/sq ft$2256956 River Rock Drive6956 River Rock Drive: $232/sq ft$2326956 River Rock Drive6956 River Rock Drive: $232/sq ft$2327020 COTTAGE GROVE Drive7020 COTTAGE GROVE Drive: $301/sq ft$3017020 COTTAGE GROVE Drive7020 COTTAGE GROVE Drive: $301/sq ft$301Community median $253

Price vs. size in The Retreat at Sterling on the Lake

Each dot is a closed sale since 2023 (54 total). This home is the gold marker.

$432k$774k$1.1M1,4472,7944,140This home: $539,900, 2,452 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). Georgia MLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2024–2026. This home lists at $220/sq ft.

$248$274$2992024: $29420242025: $28320252026: $2532026

Median sale price by year

12-month median closed price, 2024–2026.

$535k$573k$610k2024: $542k20242025: $603k20252026: $580k2026
Property timeline

This home’s history

  • 2021BuiltPer public record
  • About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Aug 26, 2026)
  • Sep 2, 2026First seen on movewithmomentum.comObserved at $550,000
  • Sep 17, 2026Price cut$549,500 (-$500, -0.1%)
  • Oct 24, 2026Price cut$539,900 (-$9,600, -1.7%)
  • 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.

Transparency

Price & listing history

Listed for $539,900BHHS Georgia Properties · listed Aug 26, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores

Momentum Property Score

67/100
Strongest on: Price vs area (83), Pricing power (76)
0 limited50100 exceptional

67/100 is solid, mid-pack 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 area83
This home $220/sq ft vs the community 12-month median $253/sq ft.
Affordability62
List price $539,900 vs the community median $580,000. Not a measure of personal affordability.
Market liquidity47
Community median 19 days on market, ~10.8 months of supply (12-month record).
Pricing power76
Recent sales closed at about 92.8% of original asking (~7.2% below). More room below asking generally favors buyers.

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.

Momentum Research

The Momentum read

🟢 Buyer-leaning conditions around this listing. 10.8 months of supply in the surrounding market and 69 days on market for this home, against a 19-day area median.Days on market:this home 69Area median:  19 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 $220 per square foot, about 13% below the community’s $253 median. The Retreat at Sterling on the Lake’s 12-month median sold price per square foot is $253. Median sold price per square foot is down 3.8% year over year. Confidence: Medium · 9 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 The Retreat at Sterling on the Lake sales closed near 92.8% 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 9 active listings in The Retreat at Sterling on the Lake, no CDD assessment.

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

Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by BHHS Georgia Properties · MLS # 10829036

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Keep looking

Similar homes for sale near The Retreat at Sterling on the Lake

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 The Retreat at Sterling on the Lake

Recently off market in The Retreat at Sterling on the Lake

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

In the area

Recent The Retreat At Sterling On The Lake news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Oct 2026 · Infrastructure

Gwinnett hires consultant for north Gwinnett freight and traffic study

Gwinnett commissioners voted to hire High Street Consulting Group for a freight cluster study of north Gwinnett, estimated at about $249,937. The Atlanta Regional Commission covers 80 percent and the county pays the rest from 2023 SPLOST funds. The study will examine truck movement, congestion and safety and recommend improvements, and may weigh in on proposed developments.

Why it matters: The study could shape future road and access improvements along north Gwinnett freight routes and inform how nearby industrial and residential projects are reviewed. The site is about 5 miles west of The Retreat At Sterling On The Lake.

Gwinnett Daily Post

Oct 2026 · Infrastructure

Gov. Kemp joins ceremony celebrating Gainesville Inland Port opening

The Georgia Ports Authority held an Oct. 29 ceremony for the Gainesville Inland Port, which began operating in May 2026 and links Northeast Georgia manufacturers to the Port of Savannah. Gov. Brian Kemp and other officials attended, and the event drew hundreds of guests.

Why it matters: Rail-linked freight access for Northeast Georgia shippers supports logistics activity and related jobs around Gainesville and may take some truck traffic off long-haul routes. The site is about 11 miles north of The Retreat At Sterling On The Lake.

The Times (Gainesville)

Oct 2026 · Development

Gainesville approves up to $8.6M in incentives for downtown Tempo by Hilton

The Gainesville City Council approved up to $8.6 million in public support for a planned eight-story Tempo by Hilton at 210 Bradford St. NE, with most of the money coming from future property taxes the hotel itself generates. The hotel is estimated to cost $49 million.

Why it matters: A new downtown hotel would add lodging capacity near the square and could support nearby dining and retail traffic once built. The project is about 12 miles northeast of The Retreat At Sterling On The Lake, elsewhere in Hall County.

The Times (Gainesville)

Go deeper

More on The Retreat at Sterling on the Lake

Go deeper on The Retreat at Sterling on the Lake

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 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.

Spout SpringsAssigned elementary school · Hall County School District
C W DavisAssigned middle school · Hall County School District
Flowery BranchAssigned high school · Hall County School District
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 6853 River Rock Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2021: 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.
  • Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
  • Listed living area is 2,452 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 $5,669/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.
Provenance

Data sources & freshness

Listing recordGeorgia MLS, checked against the MLS hourly (last: November 3, 2026)
Comparable salesGeorgia MLS closed sales in The Retreat at Sterling on the Lake, last 18 months, as of September 20, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
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 6853 River Rock Drive and when was it built?

Per the listing record, 6853 River Rock Drive was built in 2021 and has 2,452 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 6853 River Rock Drive in?

6853 River Rock Drive is in The Retreat at Sterling on the Lake in Flowery Branch, Hall County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

How are property taxes on 6853 River Rock Drive estimated?

The estimate on this page (about $5,669 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 6853 River 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.

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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.

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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.

Estimates, methodology & disclaimers

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.

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.