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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

4475 Pebble Rock Drive, Cumming, GA 30041

Great deal

Priced about $577,000 (26%) below comparable homes. Estimated market value $2,227,000, based on 6 comparable homes nearby.

Estimate from Veribas listing comps — a guide, not an appraisal.

About this home

ELEGANT MODERN FARMHOUSE WITH LAKE ACCESS & DEEDED BOAT SLIP IN GATED COMMUNITY! This gem offers a refined blend of luxury, comfort & effortless lake living in a sought-after gated community where privacy, nature & connection come together. Enjoy effortless access to the lake with a deeded covered boat slip equipped with a heavy-duty lift, ideally positioned among the closest…

BasementGarage

Listing remarks courtesy of Realty Associates of Atlanta, LLC..

Listing courtesy of Realty Associates of Atlanta, LLC.· FMLS #7758760

404-235-8900

$11,282/mo est.

with $165,000 down · $1,650,000 list price*

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*Estimate — 30-yr fixed at 6.75% APR with taxes & insurance. Not a loan offer.

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Home facts

Interior19

CoolingCeiling Fan(s), Central Air, Electric, Zoned

HeatingForced Air, Natural Gas, Zoned

LaundryIn Basement, Laundry Room, Main Level, Other

BasementBoat Door, Daylight, Exterior Entry, Finished, Full, Interior Entry

Bedrooms5

FeaturesBookcases, Disappearing Attic Stairs, Double Vanity, Entrance Foyer, High Ceilings 10 ft Main, High Ceilings 10 ft Upper, High Ceilings 10 ft Lower, High Speed Internet, His and Hers Closets, Vaulted Ceiling(s), Walk-In Closet(s)

FlooringCeramic Tile, Hardwood, Vinyl

Bathrooms4

AppliancesDishwasher, Disposal, Double Oven, Gas Range, Range Hood, Refrigerator, Self Cleaning Oven, Tankless Water Heater

Fireplaces2

Room typesGreat Room - 2 Story, Office, Other

Common wallsNo Common Walls

1/2 bathrooms0

Full bathrooms4

Main level bedrooms2

Main level bathrooms2

Finished area above ground3,393 sqft

Finished area below ground1,436 sqft

Total interior livable area6,176 sqft

Property9

LevelsOne and One Half

Lot size0.62 ac

Lot featuresBack Yard, Cul-De-Sac, Front Yard, Landscaped, Private

Body of waterOther

Parcel number260 214

Parking spaces0

Other equipmentIrrigation Equipment

Parking featuresAttached, Garage, Garage Door Opener, Garage Faces Side, Kitchen Level, Electric Vehicle Charging Station(s)

Waterfront featuresLake Front

Construction7

RoofComposition, Metal, Shingle

ConditionResale

Home typeResidential

MaterialsBrick 3 Sides, HardiPlank Type

Year built2,022

Property subtypeSingle Family Residence

Architectural styleContemporary, Farmhouse, Modern

Utilities & green energy3

SewerSeptic Tank

WaterPublic

Utilities for propertyCable Available, Electricity Available, Natural Gas Available, Phone Available, Underground Utilities, Water Available

Community & HOA6

HOA fee$1,500 quarterly

Has HOAYes

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)

SubdivisionHickory Lakeside

Services includedSwim, Tennis, Trash

Community featuresClubhouse, Community Dock, Curbs, Gated, Homeowners Assoc, Lake, Pickleball, Pool, Street Lights, Tennis Court(s)

Financial & listing details3

Date on market2026-04-23

Annual tax amount$15,318

Price per square foot$267/sqft

Down payment assistance

Upper-income census tract 13117130504 · Forsyth County · FFIEC 2026

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).

Chenoa Fund down payment assistance

5% of the price · Forgivable loan (forgiven after a set time in the home)

For down payment. 600+ credit score. Ends Dec 31, 2026.

A second mortgage for 3.5% or 5% of the price, paired with an FHA loan through Southeast Mortgage. The forgivable version is 0% and forgiven after 36 on-time payments (due in full if you sell or refinance sooner); a repayable version is paid monthly over 10 years. No income limit, repeat buyers welcome, 600+ credit. Source: chenoafund.org and southeastmortgage.com/uga (checked 2026-09-24).

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Truist, a Georgia Dream participating lender. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov (lender list and program matrix, checked 2026-09-24).

Truist Community Homeownership Incentive Program (CHIP)

up to 100% financing · Low down payment loan (the home loan itself — little or nothing down)

For down payment, mortgage insurance. Ends Dec 31, 2026.

A Truist home loan with little or nothing down — not a grant. Up to 100% financing in the Atlanta-Sandy Springs-Alpharetta metro and up to 97% elsewhere, no mortgage insurance, at least $500 of your own money, 30-year fixed up to the conforming limit. Income limits and homebuyer education may apply. Source: truist.com/mortgage/affordable-home-loan-options (checked 2026-09-24).

Programs are published by the lenders, who set and confirm eligibility. The home's census tract is one requirement; buyer income, credit and other rules also apply.