3-Bedroom Home in The Retreat at Sterling on the Lake
7012 Cottage Grove Drive, Flowery Branch, GA 30542
Single Family Residence in The Retreat at Sterling on the Lake, Flowery Branch · No CDD on record · Built 2025
The Retreat at Sterling on the Lake · Flowery Branch, GA 30542 · Hall County
Listing data checked against the MLS November 3, 2026 at 10:36 AM ET · rechecked hourly
Listed by The Norton Agency (MLS) · Page maintained by Momentum Realty LLC, a licensed Georgia brokerage
3Bedrooms
2Bathrooms
2,416Sq Ft
2025Year Built
$304Per Sq Ft
GarageNo 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.
20% above
$/sq ft vs community
$304 here vs $253 median sold (12 mo)
Buyer leverage
Strong buyer advantage
76 days on market
10.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
7012 Cottage Grove Drive in The Retreat at Sterling on the Lake, Flowery Branch is listed at $735,000 (2,416 sq ft, about $304 per sq ft). That is 27% above 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 above the community's recent $253/sq ft by about 20%. It has been listed Aug 19, 2026, longer than the community's typical 19 days to contract. Listing facts: built in 2025. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2025 · 1 yrs
2,416 sq ft of living area
Garage
Listed at $735,000 — recent neighborhood median sale price ~$580,000 (nearby sales; deemed reliable, not an appraisal)
listed Aug 19, 2026
Listing description
About this home
Welcome to effortless living in The Retreat at Sterling on the Lake, Flowery Branch's premier 55+ active adult community. Built in 2025 by David Weekley Homes, this beautifully upgraded ranch home offers the ease of one-level living with the added flexibility of a full unfinished basement, already stubbed for a future bath. A premium homesite with an HOA-owned adjacent lot provides a rare sense of privacy and a peaceful natural buffer, while the clubhouse is just a short walk away.
Inside, 10-foot ceilings, beautiful hardwood floors, abundant natural light, and an open-concept design create an inviting setting for everyday living and entertaining. The chef's kitchen features an oversized island, gas range, and premium finishes, with easy access to the covered deck for seamless indoor-outdoor living. Thoughtfully selected upgrades include California Closets office cabinetry, custom laundry and hall cabinetry, designer lighting, custom window treatments, designer-selected paint colors, professional landscaping, and irrigation.
The spacious primary suite offers a spa-inspired bath with an oversized tiled walk-in shower, dual vanity, and two walk-in closets. A three-car garage provides exceptional space for vehicles, storage, hobbies, or a workshop. Best of all, HOA-maintained lawn care means more time to enjoy the lifestyle.
Residents of The Retreat also have access to Sterling on the Lake's extensive amenities, including pools, tennis and pickleball, fitness facilities, walking trails, lakeside recreation, and a vibrant calendar of activities and events. Nearly new, exceptionally upgraded, and set on one of the community's most desirable homesites, this is a home you can simply move into and enjoy.
All 58 photos
Description provided by The Norton Agency and reproduced from the MLS; not independently verified.
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.
Sold Sep 2026
$525,000
6931 Scenic Overlook Trace, Flowery Branch
3 / 2 bd/ba · 2,329 sq ft · $225/sq ft
Courtesy of Compass · View details →
Sold Sep 2026
$525,000
6931 Scenic Overlook Trace, Flowery Branch
3 / 2 bd/ba · 2,329 sq ft · $225/sq ft
Courtesy of Compass · View details →
Sold Dec 2025
$700,000
7020 COTTAGE GROVE Drive, Flowery Branch
4 / 2.5 bd/ba · 2,328 sq ft · $301/sq ft
Courtesy of Point Honors & Associates, Realtors · View details →
Sold Dec 2025
$700,000
7020 COTTAGE GROVE Drive, Flowery Branch
4 / 2.5 bd/ba · 2,328 sq ft · $301/sq ft
Courtesy of Point Honors & Associates, Realtors · View details →
Sold Feb 2026
$580,000
6956 River Rock Drive, Flowery Branch
3 / 3 bd/ba · 2,504 sq ft · $232/sq ft
Courtesy of Epique Realty · View details →
Sold Feb 2026
$580,000
6956 River Rock Drive, Flowery Branch
3 / 3 bd/ba · 2,504 sq ft · $232/sq ft
Courtesy of Epique Realty · View details →
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$735,000
Bed / bath3 / 2
Living area2,416 sq ft
Year built2025
Property typeSingle Family Residence
GarageYes
MLS #10816188
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~1052 ft
CountyHall
Area listings9 active · 1 under contract
Estimated first-year tax~$7,718/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Price per sq ft$304
Estimated monthly payment$4,848
Insurance (illustrative)$2k–$4k/yr
Messtimate range$543,600 – $727,216
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
$4,848/mo
Principal & interest $4,007/mo83%
Taxes $643/mo13%
Insurance $198/mo4%
$4,848/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
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.)
~$7,718/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–$4k/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
~1052 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 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.
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 $304/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
Property timeline
This home’s history
2025BuiltPer public record
About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Aug 19, 2026)
Sep 2, 2026First seen on movewithmomentum.comObserved at $735,000
NowPendingSale pending
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 $735,000The Norton Agency · listed Aug 19, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
32/100
Strongest on: Pricing power (76), Market liquidity (47)
0 limited50100 exceptional
32/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $304/sq ft vs the community 12-month median $253/sq ft.
Affordability5
List price $735,000 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.
🟡 Asking $304 per square foot, about 20% above 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.
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 The Norton Agency · MLS # 10816188
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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.
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.
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.
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.
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.
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
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 7012 Cottage Grove Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2025: 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 2,416 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 $7,718/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 record
Georgia MLS, checked against the MLS hourly (last: November 3, 2026)
Comparable sales
Georgia MLS closed sales in The Retreat at Sterling on the Lake, 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.
Answered before you ask
Frequently asked questions
How big is 7012 Cottage Grove Drive and when was it built?
Per the listing record, 7012 Cottage Grove Drive was built in 2025 and has 2,416 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 7012 Cottage Grove Drive in?
7012 Cottage Grove 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 7012 Cottage Grove Drive estimated?
The estimate on this page (about $7,718 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 7012 Cottage Grove 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.
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.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
