1/43

Contact a Veribas Verified Agent

Make an offer Request a tour

Buy & Rent

Search homes Browse rentals Home financing

Sell

Instant cash offer List with Veribas AI home value

Agents

Free AI tools Join Veribas GO Agent login Browse by city Partner sign up

Partner with us

All partner types Lenders Builders Closing attorneys Home inspectors Photographers Investors

Homes for sale by city

Alpharetta homes Atlanta homes McDonough homes Sandy Springs homes Cumming homes Woodstock homes Marietta homes Lawrenceville homes Johns Creek homes Smyrna homes Stockbridge homes Decatur homes All cities

(833) 837-4227

hello@veribas.com

About Veribas Help Terms of use Privacy policy Disclosures & licensing Account & privacy

© 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.

1293 Harmony Bend, Watkinsville, GA 30677

Fair price

Priced in line with comparable homes. Estimated market value $637,000, based on 6 comparable homes nearby.

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

About this home

Welcome to this cottage style planning community in the desirable small town of Watkinsville. QUICK MOVE IN! Cottage 2 features the primary bedroom on the first floor with 3 more bedrooms and 2 baths upstairs and also a loft. On the main level is a family room opening into the gourmet kitchen and dining area. The gourmet BLACK kitchen cabinets features granite countertops,…

Garage

Listing remarks courtesy of DFH Realty Ga, LLC.

Listing courtesy of DFH Realty Ga, LLC· FMLS #7803714

770-284-0841

$4,252/mo est.

with $62,190 down · $621,900 list price*

Personalize

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

Connect with a lender · no credit check

Lender Marketplace

Compare Veribas partner lenders for this home

These lenders are independent and not affiliated with Veribas Real Estate. You are free to choose any lender. Are you a lender?

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

Make an offer

Sign in, then back your offer with a verified pre-approval — either a Veribas pre-approval or a lender letter we confirm.

In-person tour

As soon as today with a Veribas agent

Video walkthrough

Live from the home, on your schedule

Down payment assistance

Upper-income census tract 13219030402 · Oconee 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.