St Michaels Bay in Cumming

St Michaels Bay
Homes for Sale in Cumming, GA

All 668 homes for sale in Cumming, GA · median $609,950 · 363 homes for sale in 30041

Community in Cumming · Forsyth County · ZIP 30041
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Photo via Georgia MLS

Built fromLive Georgia MLS data2 years of closingsUpdated twice daily

As of November 2026, St Michaels Bay in Cumming, GA has 1 home for sale. Homes listed or recently sold were built 2006–2016; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 1148 ft).

Last 30 days in St Michaels Bay: 2 new listings (median asking $986,700). As of November 1, 2026, Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed.

Live · St Michaels Bay Housing Pulse Georgia MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
6.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
Forsyth: 16% (201 of 1,268)
1 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 2 a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written September 2, 2026

St Michaels Bay sits in Cumming, inside Forsyth County, and right now the MLS feed shows no distinguishing amenity package tied to current listings. That is not unusual for a smaller or transitional community, but it does mean pricing here is being set almost entirely by the individual home — lot, condition, finish level — rather than by a shared clubhouse, pool, or gate that would otherwise anchor value across the street.

Without a documented amenity set to lean on, buyers and sellers both need to treat this as a home-by-home evaluation rather than a community-wide bet. A seller here is really selling the house, not the neighborhood package, and a buyer should walk in expecting to negotiate on the property's own merits rather than assume a shared feature is driving comparable sales.

Figures in this note are as of September 2, 2026. The live market numbers elsewhere on this page update nightly and are newer.

St Michaels Bay Housing Pulse · Momentum Research · as of September 20, 2026

St Michaels Bay right now

🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 (1 active and pending listings, 2 closed sales in 12 months).

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

· Updated November 2, 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

St Michaels Bay is a residential community in Cumming, Forsyth County, Georgia. Current MLS data does not surface a defined amenity package for the community, which puts the focus on individual home condition and lot rather than shared features.

Georgia MLS sales records identify 14 homes in St Michaels Bay that have changed hands since 2023, built between 2006 and 2021 (median 2016), with a median living area of about 4,467 sq ft and a typical 5-bedroom, 4.5-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

  • Evaluating a home in Cumming primarily on its own condition, layout, and lot rather than a community amenity package.
  • Comfortable doing direct diligence — HOA docs, plats, a full walk-through — before relying on a listing description.
  • Looking to buy or sell in Forsyth County where individual property value matters more than shared community features.

Probably not for

  • Requiring a confirmed pool, clubhouse, or gated entry as part of the purchase decision.
  • Wanting a community with an established amenity-driven pricing pattern to benchmark against.
  • Unwilling to independently verify HOA or community details beyond what the current MLS listing states.

The market around St Michaels Bay

St Michaels Bay is too small for its own price trend, so here is the market around it.

In ZIP 30041, 417 homes are on the market and 15% are under contract — a slower corner of Cumming.

Across Forsyth County, 1,067 homes are active and 201 pending (16% under contract).

In ZIP 30041 (Cumming), 521 homes closed in the last 12 months at a median of $621K ($213/sq ft), down 1.9% year over year, with a median 36 days on market. Right now 173 active and 44 pending listings put supply at about 4.7 months — a balanced market. See the live ZIP 30041 housing market.

ZIP and county figures describe the wider market, not St Michaels Bay specifically. Momentum Research analysis of MLS records.

Homes For Sale Right Now in St Michaels Bay

Live MLS inventory for St Michaels Bay. 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 St Michaels Bay listings as of 2026-11-01, 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.

Listing locations from Georgia MLS. Map data © OpenStreetMap contributors.

Schools

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

Forsyth County School System posted a 97.0% four-year graduation rate and 54,501 students across 42 schools in 2024-25 (Governor’s Office of Student Achievement).

  • Chattahoochee · Elementary
  • Little Mill · Middle
  • East Forsyth · High

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

Buying with schools in mind? We can confirm the exact zoned schools for any St Michaels Bay address.

If we were buying in St Michaels Bay 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

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

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 St Michaels Bay.

Best Buy
Buying a home in Cumming where the decision rests on the property itself, not a shared community feature.
Biggest Risk
The lack of documented amenities means buyers should verify HOA terms and community features directly rather than relying on the listing.
Sweet Spot
Buyers doing their own diligence on a house-by-house basis in Forsyth County.
Avoid If
Avoid if the search depends on a specific shared amenity like a pool, clubhouse, or gated entry, since none is currently confirmed here.

What the listing data isn't telling you

When a community's MLS record shows no identified amenities, it usually means one of two things: the neighborhood genuinely has no shared clubhouse, pool, or gated feature, or the current crop of active and recent listings simply hasn't described one. Either way, the practical result for a buyer is the same — you cannot price a home here off a community feature you assume exists. Verify directly with a walk-through, a plat, or an HOA document rather than a listing description.

That absence of a stated amenity set also means comparable sales in St Michaels Bay should be evaluated on the house itself: square footage, lot size, age, and finish level, not on a shared pool or trail system that may or may not be there. Forsyth County has a mix of subdivision types, from amenity-rich to strictly residential, and this one currently reads as the latter based on the data available.

“

The location and the amenities are priced into every listing in St Michaels Bay. 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 where the MLS feed doesn't spell out amenities or a clear price pattern, the value of local, hands-on verification goes up. We pull HOA documents, confirm what a listing description leaves out, and price St Michaels Bay homes against the right individual comparables rather than a community assumption — the kind of groundwork that matters most when the data is thin.

St Michaels Bay in 15 seconds.

Best forBuying a home in Cumming where the decision rests on the property itself, not a shared community feature.
Biggest advantageIndividual pricing means a well-maintained or updated home can stand out without competing against a uniform amenity comparison.
Biggest riskThe lack of documented amenities means buyers should verify HOA terms and community features directly rather than relying on the listing.
Sweet spotBuyers doing their own diligence on a house-by-house basis in Forsyth County.
Avoid ifAvoid if the search depends on a specific shared amenity like a pool, clubhouse, or gated entry, since none is currently confirmed here.
The takeaway

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

What is your St Michaels Bay home worth?

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

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Real comps, not an automated estimate.

Recently off market in St Michaels Bay

Homes in St Michaels Bay that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.

Just listed in St Michaels Bay

The newest homes for sale in St Michaels Bay right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Every Home for Sale in St Michaels Bay Right Now (2)

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

How much local inventory is already under contract

9% of homes for sale in ZIP 30041 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 (2026-10-31).

Recent Developments in St Michaels Bay

Development, infrastructure, retail, and school activity affecting St Michaels Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.

  1. October 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.

    What it may mean for the marketThe 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 10 miles south of St Michaels Bay.

    Source: Gwinnett Daily Post
  2. October 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.

    What it may mean for the marketRail-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 east of St Michaels Bay.

    Source: The Times (Gainesville)

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

Frequently Asked Questions

Is St Michaels Bay a buyer's or seller's market right now?
As of September 20, 2026, St Michaels Bay is roughly balanced: 6.0 months of supply at the current sales pace (Georgia MLS live counts).
Who is the best real estate agent for St Michaels Bay?
The best agent for St Michaels Bay is one who actively works Cumming 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 St Michaels Bay.
How do I find a top Cumming real estate agent who knows St Michaels Bay?
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 St Michaels Bay and the wider Cumming area.
Can Momentum Realty connect me with an agent for St Michaels Bay?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your St Michaels Bay purchase or sale - no call center and no pressure.
Where is St Michaels Bay, and what county is it in?
St Michaels Bay is in Cumming, Forsyth County, GA, ZIP 30041. The community's center is about 7 miles northeast of the center of Cumming (straight-line).
Evaluating a home in Cumming primarily on its own condition, layout, and lot rather than a community amenity package.Excellent fit
Comfortable doing direct diligence — HOA docs, plats, a full walk-through — before relying on a listing description.Excellent fit
Looking to buy or sell in Forsyth County where individual property value matters more than shared community features.Excellent fit
Requiring a confirmed pool, clubhouse, or gated entry as part of the purchase decision.Probably not
Wanting a community with an established amenity-driven pricing pattern to benchmark against.Probably not
Unwilling to independently verify HOA or community details beyond what the current MLS listing states.Probably not

Data sources & freshness

Live listingsGeorgia MLS, refreshed twice daily (last: November 1, 2026)
Under-contract sharesGeorgia MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2024 (7 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.

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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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CallFree valuation →
Thinking of selling in St Michaels Bay? 2 recorded closings (window ending 2026-09-20). See the Forsyth 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.

Nearby Communities

Explore more neighborhoods near St Michaels Bay with Momentum Realty’s local guides.

ARAb Reives0.4 mi away · 1 for saleLMLittle Mill Landing0.7 mi away · 1 for saleColonial Club Estates0.7 mi away · 1 for saleForsyth County0.7 mi awayCECrow Estates1.0 mi away · median $825K, 3 sales/12 moCrow States1.1 mi away · 1 for saleTATimberline At Lake Lanier1.2 mi away · median $430K, 4 sales/12 moLMLawson Manor1.2 mi away

Browse all neighborhood guides →

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