3 bedroom Single Family Residence at 830 Holiness Campground, none, Cleveland — photo 1Front elevation
3 bedroom Single Family Residence at 830 Holiness Campground, none, Cleveland — photo 2Living space
3 bedroom Single Family Residence at 830 Holiness Campground, none, Cleveland — photo 3Kitchen
3 bedroom Single Family Residence at 830 Holiness Campground, none, Cleveland — photo 4Owner's suite
3 bedroom Single Family Residence at 830 Holiness Campground, none, Cleveland — photo 5Exterior / yardView all 47 photos →
Active Single Family Residence
$344,700
3-Bedroom Home in none

830 Holiness Campground, Cleveland, GA 30528

Single Family Residence in none, Cleveland · No CDD · Built 2025
none · Cleveland, GA 30528 · White
Listing data updated September 9, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2025Year Built
GarageNo 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.
Highlights

As of September 9, 2026, 830 Holiness Campground in none, Cleveland is listed at $344,700. It came to market within the past week. 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
  • Active listing
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 2025BuiltPer public record
  • Sep 4, 2026First trackedObserved at $344,700
  • 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

$2,226/mo
  • Principal & interest $1,781/mo 80%
  • Taxes $302/mo 14%
  • Insurance $93/mo 4%
  • HOA $50/mo 2%

$2,226/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

50/100
Strongest on: Affordability (50)
0 limited50100 exceptional

50/100 is below average 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.

Affordability50
List price $344,700 vs the community median $344,700. Not a measure of personal affordability.

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.

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.

Description provided by Virtual Properties Realty.com 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$344,700
Bed / bath3 / 2
Year built2025
Property typeSingle Family Residence
GarageYes
MLS #10833814
Listing statusActive

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyWhite
Estimated first-year tax~$3,619/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Estimated monthly payment$2,226
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$344,700

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 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.
Keep looking

Similar homes for sale near none

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 $344,700Momentum Realty · on market 0 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.)
~$3,619/yr

A rough first-year estimate only, applying a typical White 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 830 Holiness Campground?

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

Request a showing

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

Recent sales activity in none

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 none neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$344,700

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$0

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

Go deeper on none

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 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
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.

No closely comparable recent sales were found in this data set.

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$1,580 – $2,298/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−$692 – −$46At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
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.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

City
Cleveland

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

County
White

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

Community
none

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 9, 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 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 none in Cleveland, White County. The community section on this page shows recent closed sales, days on market, and active inventory for none from the same MLS data.

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 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.