Chimney Lake in Cleveland

Chimney Lake
Homes for Sale in Cleveland, GA

All 73 homes for sale in Cleveland, GA · median $288,000 · 198 homes for sale in 30528

Community in Cleveland · White County · ZIP 30528
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Photo courtesy of Zach Garvey Team · via Georgia MLS

Built fromLive Georgia MLS data3 years of closingsUpdated twice daily

As of September 2026, Chimney Lake in Cleveland, GA has 2 homes for sale. Homes listed or recently sold were built 2019–2025 with 1 new construction.

Live · Chimney Lake Housing Pulse Georgia MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
24.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
White: 14% (47 of 326)
2 · 0
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 2 a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Chimney Lake sits in Cleveland, in White County, on the northern edge of Georgia where the terrain starts climbing toward the mountains. What actually sets value here is not a stack of comparable sales — the current MLS snapshot does not show a published list of community amenities, and there is not enough active listing volume to draw a clean price line. That means each home has to be evaluated on its own lot, its own condition, and its own position relative to the lake, rather than against a tidy neighborhood average.

For a buyer, that translates into more legwork up front: pull the specific listing history for any home you like, verify what amenities (if any) actually come with it, and do not assume this community behaves like a subdivision with an HOA-run clubhouse and posted dues. For a seller, it means your marketing has to do the work that a standardized data set would otherwise do — clear photos, an honest condition narrative, and pricing based on a direct look at what has actually closed nearby, not on a generic county-wide read.

Chimney Lake Housing Pulse · Momentum Research · as of September 20, 2026

Chimney Lake right now

🟢 Buyer-leaning market. 24.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Georgia MLS records, as of September 20, 2026. Confidence: Low (2 active and pending listings, 1 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated September 22, 2026 · Live data: Georgia MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Chimney Lake is a Cleveland community in White County, positioned in the north Georgia foothills rather than inside a dense metro Atlanta submarket. Current MLS records do not list a defined set of community amenities, so buyers should confirm directly what, if anything, is included with a given property.

Georgia MLS sales records identify 6 homes in Chimney Lake that have changed hands since 2023, built between 2023 and 2025 (median 2024), with a median living area of about 2,000 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: Georgia MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community. Georgia has no statewide parcel roll comparable to Florida’s DOR file, so ownership and homestead shares are not shown.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Prioritizing a specific lot or lake-adjacent setting over a packaged amenity list.
  • Willing to verify road maintenance, water access, and condition details directly rather than relying on standardized MLS amenity fields.
  • Looking for a north Georgia foothills location near Cleveland rather than a dense metro submarket.

Probably not for

  • Needing a confirmed HOA amenity package, such as a clubhouse or maintained pool, as part of the decision.
  • Wanting a large set of recent comparable sales to benchmark price before shopping.
  • Preferring a community with a well-documented, published amenity and dues structure.

The market around Chimney Lake

Chimney Lake is too small for its own price trend, so here is the market around it.

In ZIP 30528, 232 homes are on the market and 14% are under contract — a slower corner of Cleveland.

Across White County, 279 homes are active and 47 pending (14% under contract).

In ZIP 30528 (Cleveland), 96 homes closed in the last 12 months at a median of $265K ($200/sq ft), down 5.3% year over year, with a median 48 days on market. Right now 78 active and 11 pending listings put supply at about 11.5 months — a soft market. See the live ZIP 30528 housing market.

ZIP and county figures describe the wider market, not Chimney Lake specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Chimney Lake, Cleveland

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 2 listings
Distress share trend — 0.0% now (2026-09-06 → 2026-09-20)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. Deemed reliable but not guaranteed.

Homes For Sale Right Now in Chimney Lake

Live MLS inventory for Chimney Lake. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Chimney Lake listings as of 2026-09-20, priced high to low. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. Tap any home to ask about it.

Every Home for Sale in Chimney Lake Right Now (2)

All 2 active and pending Chimney Lake listings with a detail page, newest first, refreshed twice a day from the MLS.

  • 70 Stone Hearth Drive · $485,000 · 4 bd / 2 ba · listed Jul 28, 2026 · listed by Keller Williams Lanier Partners
  • 35 Chimney Lane · $634,900 · 3 bd / 2 ba · listed Jul 26, 2026 · listed by The Twiggs Realty

Schools

In short
  • White County School System
  • Verify the zoned schools by address
  • Magnet and choice options may be available

White County School System posted a 95.8% four-year graduation rate and 3,700 students across 6 schools in 2024-25 (Governor’s Office of Student Achievement).

  • Jack P Nix · Elementary
  • White · Middle
  • White · High

District figures are official Georgia (GOSA) 2024-25 data. Zoned schools reflect the assignments reported on recent Chimney Lake listings and can change; always confirm with the White County School System for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Chimney Lake address.

If we were buying in Chimney Lake today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Chimney Lake.

Best Buy
Buying a property valued on its own lot and condition rather than on a packaged community amenity list.
Biggest Risk
Limited published data on amenities and comparable sales means more independent verification is required.
Sweet Spot
Buyers comfortable doing direct diligence on lake access, road maintenance, and lot specifics before writing an offer.
Avoid If
You are counting on a defined clubhouse, pool, or HOA amenity package as part of the purchase.

A lake-named community with a thin paper trail

White County and Cleveland are known for proximity to the mountains rather than for master-planned subdivisions, and Chimney Lake reads that way in the data. There is no documented pool, gate, or clubhouse tied to current listings — which does not necessarily mean none exists, but it does mean it has not been formally attached to the MLS record as of this snapshot. Treat any amenity claim you hear about the community as something to verify in writing, not something to assume from the name.

That thin data trail is also a signal about how to shop here. Instead of leaning on a community-level pitch, focus the diligence on the individual parcel: lot size and lake access (if any), road maintenance responsibility, and whether the home is on a shared or private water feature. In a community with limited standardized amenity data, the home itself — not the subdivision brochure — has to carry the evaluation.

The location and the amenities are priced into every listing in Chimney Lake. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a community with a light MLS footprint like Chimney Lake, the value we add is chasing down the specifics that a listing sheet does not spell out — actual lake access rights, road and maintenance responsibility, and how a given home's condition stacks up against what has quietly closed nearby. We would rather tell you what we could not confirm than let you assume it.

Chimney Lake in 15 seconds.

Best forBuying a property valued on its own lot and condition rather than on a packaged community amenity list.
Biggest advantageA north Georgia location in the Cleveland foothills, away from dense metro competition.
Biggest riskLimited published data on amenities and comparable sales means more independent verification is required.
Sweet spotBuyers comfortable doing direct diligence on lake access, road maintenance, and lot specifics before writing an offer.
Avoid ifYou are counting on a defined clubhouse, pool, or HOA amenity package as part of the purchase.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Chimney Lake homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Chimney Lake.
In short
  • HOA status not on record. Verify any dues before you offer
  • Any club/amenity membership is billed separately

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Chimney Lake sales matched to your home.

What is your Chimney Lake home worth?

Get a no-obligation home value based on real comparable sales in Chimney Lake, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See all homes for sale in Cleveland →

Real comps, not an automated estimate.
How much local inventory is already under contract

15% of homes for sale in ZIP 30528 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-22).

Frequently Asked Questions

Is Chimney Lake a buyer's or seller's market right now?
As of September 20, 2026, Chimney Lake leans toward buyers: 24.0 months of supply at the current sales pace (Georgia MLS live counts).
Who is the best real estate agent for Chimney Lake?
The best agent for Chimney Lake is one who actively works Cleveland and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Chimney Lake.
How do I find a top Cleveland real estate agent who knows Chimney Lake?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Chimney Lake and the wider Cleveland area.
Can Momentum Realty connect me with an agent for Chimney Lake?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Chimney Lake purchase or sale - no call center and no pressure.
Where is Chimney Lake, and what county is it in?
Chimney Lake is in Cleveland, White County, GA, ZIP 30528.
Prioritizing a specific lot or lake-adjacent setting over a packaged amenity list.Excellent fit
Willing to verify road maintenance, water access, and condition details directly rather than relying on standardized MLS amenity fields.Excellent fit
Looking for a north Georgia foothills location near Cleveland rather than a dense metro submarket.Excellent fit
Needing a confirmed HOA amenity package, such as a clubhouse or maintained pool, as part of the decision.Probably not
Wanting a large set of recent comparable sales to benchmark price before shopping.Probably not
Preferring a community with a well-documented, published amenity and dues structure.Probably not

Data sources & freshness

Live listingsGeorgia MLS, refreshed twice daily (last: September 20, 2026)
Under-contract sharesGeorgia MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2023 (6 transactions analyzed)

Verify the primary sources yourself: Georgia DOR · U.S. Census · FEMA flood maps.

Momentum Research figures are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum will price yours against live local comps — a real number, not an algorithm’s guess.

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Nearby Communities

Explore more neighborhoods near Chimney Lake with Momentum Realty’s local guides.

Willow Pointe (White)0.7 mi away · median $465K, 3 sales/12 moWoodland Forest0.9 mi away · median $365K, 3 sales/12 moFawn Hill1.2 mi away · 1 for saleParkview Estate1.4 mi awayTownview Estates1.4 mi away · 1 for saleLLLake Laceola1.5 mi away · 3 for saleLaceola1.6 mi away · 1 for saleCurtis L Taylor1.6 mi away · 1 for sale

Browse all neighborhood guides →

Thinking of selling in Chimney Lake? 1 recorded closings (window ending 2026-09-20). See the White County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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