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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.

6040 Windjammer Point, Cumming, GA 30041

Fair price

Priced in line with comparable homes. Estimated market value $1,007,000, based on 6 comparable homes nearby.

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

About this home

THE ULTIMATE LAKE LANIER LUXURY PACKAGE An Exclusive Under-$1M Strategic Release | Offered at $978,900 Discover exceptional space, pristine privacy, and world-class resort living in this impressive 6-bedroom, 5-bath traditional estate within Lake Lanier's premier gated marina enclave: St. Michael's Bay in Cumming. Positioned deliberately under the $1M threshold to…

BasementGarageWaterfront

Listing remarks courtesy of SeaGlass Southern Charm.

Listing courtesy of SeaGlass Southern Charm· FMLS #7840743

404-276-5346

$6,693/mo est.

with $97,890 down · $978,900 list price*

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Buyer services · Veribas Real Estate LLC — not the listing broker unless noted above

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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, Gas, Multi Units

HeatingCentral, Forced Air, Hot Water, Natural Gas

LaundryElectric Dryer Hookup, Laundry Room, Sink, Upper Level

BasementExterior Entry, Finished, Finished Bath, Full, Interior Entry, Walk-Out Access

Bedrooms6

FeaturesBookcases, Cathedral Ceiling(s), Crown Molding, Disappearing Attic Stairs, Double Vanity, Entrance Foyer, High Ceilings 9 ft Lower, High Ceilings 9 ft Main, High Speed Internet, Recessed Lighting, Vaulted Ceiling(s), Walk-In Closet(s)

FlooringCarpet, Hardwood, Luxury Vinyl, Tile

Bathrooms5

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Range Hood, Refrigerator, Self Cleaning Oven, Washer

Fireplaces2

Room typesAttic, Basement, Bonus Room, Den, Dining Room, Great Room - 2 Story, Workshop, Other

Common wallsNo Common Walls

1/2 bathrooms0

Full bathrooms5

Main level bedrooms1

Main level bathrooms1

Finished area above ground3,360 sqft

Finished area below ground1,107 sqft

Total interior livable area4,467 sqft

Property9

LevelsThree Or More

Lot size0.89 ac

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

Body of waterLanier

Parcel number270 327

Parking spaces0

Other equipmentIrrigation Equipment

Parking featuresDriveway, Garage, Garage Door Opener, Garage Faces Front, Garage Faces Side

Waterfront featuresBay Access

Construction7

RoofMetal, Ridge Vents, Shingle, Wood

ConditionResale

Home typeResidential

MaterialsBrick 3 Sides, Cement Siding

Year built2,015

Property subtypeSingle Family Residence

Architectural styleTraditional

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$1,030 semi-annually

Has HOAYes

SecurityCarbon Monoxide Detector(s), Key Card Entry, Security Gate, Security Lights, Smoke Detector(s)

SubdivisionSt Michaels Bay

Services includedCable TV, Electricity, Gas, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Reserve Fund, Security, Sewer, Swim, Termite, Tennis, Trash, Water

Community featuresBoating, Clubhouse, Community Dock, Fitness Center, Gated, Homeowners Assoc, Lake, Marina, Pickleball, Playground, Pool, Sidewalks

Financial & listing details3

Date on market2026-09-19

Annual tax amount$7,235

Price per square foot$219/sqft

Down payment assistance

Moderate-income census tract 13117130105 · 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).

Wells Fargo Homebuyer Access grant

Up to $10,000 · Grant (never repaid)

For down payment. Ends Dec 31, 2026.

A $10,000 grant toward your down payment that never has to be repaid, for homes (or buyers currently living) in low- and moderate-income neighborhoods of metro Atlanta. Wells Fargo fixed-rate conventional loan only, primary residence, household income up to 120% of the area median. Wells Fargo confirms eligibility during underwriting. Reported as income on a 1099. Source: wellsfargo.com/mortgage (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.