Waterfront Homes for Sale in Cumming, GA
This page tracks every Cumming listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
84 waterfront homes are for sale or pending in Cumming, GA today across 60 communities. The median asking price is $992,500, from $295,000 to $5,800,000. Most listings right now: Hickory Lakeside (3), Deer Creek Shores (3), Lake Lanier - Private Dock (2). Updated September 8, 2026 from the MLS.
Cumming waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Hickory Lakeside | 3 | 0 | $2,000,000 | $1,700,000 |
| Deer Creek Shores | 3 | 0 | $1,300,000 | $1,199,000 |
| Lake Lanier - Private Dock | 2 | 0 | $1,918,600 | $850,000 |
| Chattahoochee River Club | 2 | 0 | $890,000 | $730,000 |
| Longlake | 2 | 0 | $887,000 | $789,000 |
| Lake Lanier-Private | 1 | 0 | $4,999,900 | $4,999,900 |
| Young Deer Creek | 1 | 0 | $3,500,000 | $3,500,000 |
| Breeze Bay | 1 | 1 | $3,450,000 | $3,450,000 |
| Ridge Creek | 1 | 0 | $3,150,000 | $3,150,000 |
| Deep Water - Dock and Private Beach | 1 | 1 | $2,945,000 | $2,945,000 |
| Mashburn Landing | 1 | 0 | $2,749,000 | $2,749,000 |
| Arden on Lanier Waterside | 1 | 1 | $2,499,000 | $2,499,000 |
| Shiloh Preserve | 1 | 1 | $2,450,000 | $2,450,000 |
| Chimney On Lanier | 1 | 0 | $1,995,000 | $1,995,000 |
| Deer Creek Cove | 1 | 1 | $1,960,000 | $1,960,000 |
| Legends Of Settendown Creek | 1 | 0 | $1,685,000 | $1,685,000 |
| Darryl Downs | 1 | 0 | $1,625,000 | $1,625,000 |
| Horse Farm | 1 | 0 | $1,500,000 | $1,500,000 |
| Rosewood Lake | 1 | 0 | $1,400,000 | $1,400,000 |
| Lake Lanier - Private Dock w/ Party Deck | 1 | 0 | $1,339,000 | $1,339,000 |
| Gregory Estates | 1 | 0 | $1,299,000 | $1,299,000 |
| Lake Lanier-Private Dock | 1 | 1 | $1,295,000 | $1,295,000 |
| Myron Bagwell | 1 | 0 | $1,249,000 | $1,249,000 |
| Lake Lanier | 1 | 0 | $1,170,000 | $1,170,000 |
| Deer Creek Shores | 1 | 0 | $1,160,000 | $1,160,000 |
| Lake Lanier Country Club Estate | 1 | 0 | $1,100,000 | $1,100,000 |
| Cascading Creek Estates | 1 | 0 | $1,099,000 | $1,099,000 |
| Wild Rose II | 1 | 0 | $1,099,000 | $1,099,000 |
| Lake Astoria | 1 | 0 | $1,000,000 | $1,000,000 |
| Reserve At Lakeview | 1 | 0 | $999,900 | $999,900 |
| Lanier Country Club Estates | 1 | 0 | $990,000 | $990,000 |
| Eagle Creek Shores | 1 | 0 | $989,999 | $989,999 |
| St Michaels Bay | 1 | 0 | $978,900 | $978,900 |
| Carter's Creek | 1 | 0 | $975,000 | $975,000 |
| Woodland Park | 1 | 0 | $925,000 | $925,000 |
| South Lake Lanier | 1 | 0 | $899,998 | $899,998 |
| Chattahooche River Club | 1 | 0 | $899,900 | $899,900 |
| Green Acre Estates | 1 | 0 | $899,000 | $899,000 |
| Lanier Country Club Estate | 1 | 0 | $850,000 | $850,000 |
| Settlers Lake | 1 | 0 | $824,900 | $824,900 |
| Lake Front Non HOA | 1 | 0 | $799,000 | $799,000 |
| Blackstock Mill | 1 | 0 | $735,000 | $735,000 |
| Wild Rose | 1 | 0 | $715,000 | $715,000 |
| Builder/Developer - Two Lots Lake Lanier | 1 | 0 | $699,900 | $699,900 |
| Martin Daniel | 1 | 0 | $674,936 | $674,936 |
| Fieldstone Glen | 1 | 0 | $670,000 | $670,000 |
| Grove Park | 1 | 0 | $650,000 | $650,000 |
| LongLake | 1 | 0 | $624,000 | $624,000 |
| James P Merritt | 1 | 0 | $599,000 | $599,000 |
| Hampton Golf Village | 1 | 0 | $599,000 | $599,000 |
| Sundown | 1 | 0 | $549,000 | $549,000 |
| Habersham Pointe | 1 | 0 | $539,900 | $539,900 |
| Dyer Farms | 1 | 0 | $529,000 | $529,000 |
| Orchard Lakes | 1 | 0 | $519,000 | $519,000 |
| Sweetbriar | 1 | 0 | $499,000 | $499,000 |
| Habersham at Lanier | 1 | 0 | $455,000 | $455,000 |
| Pirkle Farm | 1 | 0 | $389,000 | $389,000 |
| Deep Cove | 1 | 0 | $385,000 | $385,000 |
| Hutchinson Pointe | 1 | 0 | $354,900 | $354,900 |
| James F Merritt Sub | 1 | 0 | $295,000 | $295,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Cumming?
What do waterfront homes cost in Cumming?
Which Cumming community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Cumming
Live data: Georgia MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Cumming, GA whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.