14 days on market (MLS) Single Family Residence
$344,700
3-Bedroom Home in Cleveland

830 Holiness Campground, Cleveland, GA 30528

Single Family Residence in Cleveland · No CDD on record · Built 2025
Cleveland, GA 30528 · White County
Listing data updated October 3, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2025Year Built
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.
Highlights

As of October 3, 2026, 830 Holiness Campground in Cleveland is listed at $344,700. It has been 14 days on market. Listing facts: built in 2025, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2025 · 1 yrs
  • Garage
  • 14 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

North Georgia Mountain Living - Completely Reimagined & Expanded Welcome home to this beautiful, fully transformed 3-bedroom, 2-bathroom residence: featuring soaring high ceilings, beautiful kitchen with Island and custom cabinets, a wonderful rock wood burning fireplace for all to gather, a spacious primary suite, two well-appointed secondary bedrooms, a dedicated laundry room, and an oversized two-car garage with extra storage-all situated on a private, 1-acre lot with no HOA. Originally relocated to the site, this property underwent a total overhaul, expansion, and structural restoration-transforming it into a modern country home. Building & Structural Prep After securing all necessary permits, the lot was professionally graded, and new footers were poured and approved by the White County Building Inspector.

Once placed on-site, the structure was permanently secured onto a brand-new perimeter foundation with solid load-bearing pillars throughout the crawlspace. Demolition & Floor System Reinforcement The transformation began with a complete down-to-the-studs demolition, removing all old siding, windows, plumbing, electrical, and flooring. Floor joists in the foyer, guest bathroom, and front bedroom were completely replaced, while original high-grade joists in the living room and kitchen were found to be exceptionally solid, well-preserved, and left intact.

To eliminate floor flex, a high-performance 3/4" AdvanTech subfloor was integrated, followed by a second 1/2" OSB layer screwed down across the entire home. This custom dual-layer system guarantees an exceptionally rigid, whisper-quiet floor structure superior to standard single-layer subflooring found in typical new builds. Wall framing was thoroughly inspected, with every compromised stud removed and replaced with fresh dimensional lumber.

Additions & Modern Systems The home's footprint was expanded to include a spacious primary suite, a grand front porch, and an attached two-car garage with a newly poured driveway and expanded parking pad. After 30-year architectural roofing and installation was completed and passed framing inspection, all internal mechanical systems were installed from scratch-including rough plumbing, electrical wiring, and brand-new ductwork. The insulation system features an unvented attic assembly with spray foam insulation applied directly to the roof deck, paired with fiberglass insulation lining all exterior walls-all inspected and passed by the White County Inspector.

Finishes & Interior Detail Once insulation was installed and officially passed White County inspection, new drywall was finished, painted, and trimmed. Brand-new approved septic tank installed. Final White County Building Inspection completed and Certificate of Occupancy issued.

Financing: Fully eligible and clear for Conventional, FHA, USDA, and VA financing. Warranties Included: Transferable warranties covering the HVAC system, roof, flooring, and cabinetry, plus a 1-year builder walk-through warranty. Please look at documents in document folder for information on insulation as well as permit, survey, deed etc.

All 47 photos

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Description provided by Virtual Properties Realty.com and reproduced from the MLS; not independently verified.

Listing courtesy of Virtual Properties Realty.com · Listing agent: Gene S Kerley · 770-495-5050Provided 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.
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$344,700
Bed / bath3 / 2
Year built2025
Property typeSingle Family Residence
GarageYes
MLS #10833814
Listing status14 days on market (MLS)

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyWhite
Estimated first-year tax~$3,619/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Estimated monthly payment$2,281
Insurance (illustrative)$1k–$2k/yr

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

$2,281/mo
  • Principal & interest $1,887/mo 83%
  • Taxes $302/mo 13%
  • Insurance $93/mo 4%

$2,281/mo at 20% down, 30-yr @ 7.28% · 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.)
~$3,619/yr

Estimate: a typical White 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)
$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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

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

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

Hazard risk

Natural hazard risk

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

HurricaneVery Low
Inland floodingRelatively Low
Heat waveVery Low
WildfireVery Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Moderate
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherVery 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.

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.

Property timeline

This home’s history

  • 2025BuiltPer public record
  • Sep 4, 2026First seen on movewithmomentum.comObserved at $344,700
  • 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 $344,700Momentum Realty · on market 14 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

No closed sales of a similar home within about 10 miles in White County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Cleveland, GA. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

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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 Virtual Properties Realty.com · MLS # 10833814

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Keep looking

Similar homes for sale near Cleveland

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

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  • 60 Bennys Drive · $125,000 · 2 bd / 2.0 ba · listed September 29, 2026 (courtesy of eXp Realty)
  • 107 Piney Lane · $743,900 · 4 bd / 3.0 ba · listed September 25, 2026 (courtesy of Leading Edge Real Estate LLC)
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  • 75 Fairhaven Lane · $250,000 · 3 bd / 2.0 ba · listed September 22, 2026 (courtesy of Anchor Real Estate Advisors)
Assigned schools

Assigned schools

Schools currently assigned to this address in White 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.

Mossy CreekAssigned elementary school · White County School District
WhiteAssigned middle school · White County School District
WhiteAssigned high school · White County School District
Nearby & guides

City, county & community guides

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

City
Cleveland

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

View →
County
White

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

Community
Cleveland

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 830 Holiness Campground, 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.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • 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 White County; age of roof and any prior claims affect the premium.
  • Confirm square footage and room dimensions independently.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $3,619/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.
Provenance

Data sources & freshness

Listing recordGeorgia MLS, refreshed twice daily (last: October 3, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in White County — no medians or automated estimate shown
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 830 Holiness Campground and when was it built?

Per the listing record, 830 Holiness Campground was built in 2025 and has 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 830 Holiness Campground in?

830 Holiness Campground is in Cleveland, White County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Does 830 Holiness Campground have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

How are property taxes on 830 Holiness Campground estimated?

The estimate on this page (about $3,619 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 830 Holiness Campground 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 830 Holiness Campground 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email 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.