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.
83 waterfront homes are for sale or pending in Cumming, GA today across 57 communities. The median asking price is $1,000,000, from $289,000 to $5,800,000. Listings in Cumming without that feature have a median of $627,925. Most listings right now: Deer Creek Shores (3), Lake Lanier - Private Dock (2), Hickory Lakeside (2). Updated September 27, 2026 from the MLS.
Live waterfront homes in Cumming: the listings
74 active listings carry the flag today (9% of Cumming inventory), median asking $999,950, $307/sq ft, median 35 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Cumming
The most expensive waterfront homes in Cumming
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 5135 Howard Road | $5,800,000 | 13,672 | — |
| 3080 Dove Trail | $4,999,900 | 7,706 | Lake Lanier-Private |
| 7965 Robin Road | $3,500,000 | — | Young Deer Creek |
| 7835 Scenic Drive | $3,450,000 | 8,515 | Breeze Bay |
| 7430 Shadburn Ferry Road | $2,987,200 | 7,363 | Lake Lanier - Private Dock |
| 3275 Lanier Beach South Road | $2,950,000 | 6,106 | — |
| 7620 Breeze Bay Road | $2,945,000 | 5,800 | Deep Water - Dock and Private Beach |
| 6010 Robbs Drive | $2,750,000 | 6,882 | — |
| 1605 Lockridge Drive | $2,749,000 | 6,516 | Mashburn Landing |
| 8225 Dogwood Trail | $2,748,500 | 4,676 | — |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 2 | 3% |
| $300K–$500K | 6 | 8% |
| $500K–$750K | 13 | 18% |
| $750K–$1M | 16 | 22% |
| $1M+ | 37 | 50% |
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 |
|---|---|---|---|---|
| Deer Creek Shores | 3 | 0 | $1,300,000 | $1,199,000 |
| Lake Lanier - Private Dock | 2 | 0 | $1,918,600 | $850,000 |
| Hickory Lakeside | 2 | 0 | $1,867,500 | $1,650,000 |
| Lake Lanier | 2 | 0 | $1,085,000 | $1,000,000 |
| Longlake | 2 | 0 | $887,000 | $789,000 |
| Chattahoochee River Club | 2 | 0 | $875,000 | $700,000 |
| Lanier Country Club Estates | 2 | 0 | $859,500 | $729,000 |
| 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 | $2,950,000 | $2,950,000 |
| 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 |
| Driskell Shor | 1 | 0 | $1,475,000 | $1,475,000 |
| Lake Lanier - Private Dock w/ Party Deck | 1 | 0 | $1,299,000 | $1,299,000 |
| 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 |
| Burnt Hickory | 1 | 0 | $1,200,000 | $1,200,000 |
| 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 | $1,049,000 | $1,049,000 |
| Lake Astoria | 1 | 0 | $1,000,000 | $1,000,000 |
| Reserve At Lakeview | 1 | 0 | $999,900 | $999,900 |
| Eagle Creek Shores | 1 | 0 | $994,999 | $994,999 |
| St Michaels Bay | 1 | 0 | $978,900 | $978,900 |
| Carter's Creek | 1 | 0 | $950,000 | $950,000 |
| 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 | $825,000 | $825,000 |
| Lake Front Non HOA | 1 | 0 | $799,000 | $799,000 |
| Windermere | 1 | 0 | $750,000 | $750,000 |
| Builder/Developer - Two Lots Lake Lanier | 1 | 0 | $699,900 | $699,900 |
| Blackstock Mill | 1 | 0 | $699,000 | $699,000 |
| Martin Daniel | 1 | 0 | $674,936 | $674,936 |
| Grove Park | 1 | 0 | $650,000 | $650,000 |
| Fieldstone Glen | 1 | 0 | $645,000 | $645,000 |
| 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 |
| Orchard Lakes | 1 | 0 | $515,000 | $515,000 |
| Dyer Farms | 1 | 0 | $499,999 | $499,999 |
| Mulberry Farms | 1 | 0 | $429,900 | $429,900 |
| Pirkle Farm | 1 | 0 | $379,900 | $379,900 |
| Hutchinson Pointe | 1 | 0 | $349,900 | $349,900 |
| 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
- All homes for sale in Cumming
- Cumming ZIP codes with prices
- Cumming golf course homes
- Cumming gated community homes
- Cumming 4-bedroom homes
- Cumming homes under $300K
- Cumming homes $300K–$500K
- Waterfront Homes in every city
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.