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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.

3228 Black Gum Lane, Gainesville, GA 30504

Good deal

Priced about $65,500 (9%) below comparable homes. Estimated market value $742,000, based on 6 comparable homes nearby.

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

About this home

Discover easy living in this spacious four bedroom, three bath home located in Cresswind at Lake Lanier, a vibrant active 55+ community. This beautifully designed property offers an open, comfortable layout with main level living and plenty of room for guests. Enjoy your morning coffee on the comfortable screen porch overlooking a private, wooded yard. The finished terrace…

BasementGarage

Listing remarks courtesy of HomeSmart.

Listing courtesy of HomeSmart· FMLS #7814579

770-331-6855

$4,625/mo est.

with $67,650 down · $676,500 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), Heat Pump

HeatingElectric, Heat Pump

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Laundry Room, Sink

BasementDaylight, Exterior Entry, Finished, Finished Bath, Interior Entry, Walk-Out Access

Bedrooms4

FeaturesBookcases, Crown Molding, Double Vanity, Entrance Foyer, High Ceilings 10 ft Main, High Speed Internet, His and Hers Closets, Low Flow Plumbing Fixtures, Tray Ceiling(s), Walk-In Closet(s)

FlooringCarpet, Ceramic Tile, Hardwood

Bathrooms3

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Self Cleaning Oven, Washer

Fireplaces1

Room typesBasement, Great Room, Living Room, Office, Sun Room, Other

Common wallsNo Common Walls

1/2 bathrooms0

Full bathrooms3

Main level bedrooms3

Main level bathrooms2

Finished area above ground2,192 sqft

Finished area below ground1,534 sqft

Total interior livable area3,726 sqft

Property9

LevelsTwo

Lot size0.2 ac

Lot featuresBack Yard, Front Yard, Landscaped, Sprinklers In Front, Sprinklers In Rear, Wooded

Body of waterLanier

Parcel number08021 001084

Parking spaces2

Other equipmentIrrigation Equipment

Parking featuresAttached, Garage, Garage Door Opener, Garage Faces Front, Kitchen Level, Level Driveway

Waterfront featuresNone

Construction7

RoofComposition, Ridge Vents

ConditionResale

Home typeResidential

MaterialsCement Siding, HardiPlank Type, Stone

Year built2,007

Property subtypeSingle Family Residence

Architectural styleCraftsman, Ranch

Utilities & green energy3

SewerPublic Sewer

WaterPublic

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

Community & HOA6

HOA fee$4,980 annually

Has HOAYes

SecuritySecurity System Owned, Smoke Detector(s)

SubdivisionCresswind at Lake Lanier

Services includedCable TV, Maintenance Grounds, Reserve Fund, Swim, Tennis, Trash

Community featuresClubhouse, Community Dock, Dog Park, Fitness Center, Gated, Homeowners Assoc, Lake, Pool, Sauna, Sidewalks, Street Lights, Tennis Court(s)

Financial & listing details3

Date on market2026-08-02

Annual tax amount$3,368

Price per square foot$182/sqft

Down payment assistance

Middle-income census tract 13139001004 · Hall 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.