102 D S Cay Drive, Milledgeville, GA 31061

Overpriced

Priced about $513,685 (110%) above comparable homes. Estimated market value $465,315, based on 447 comparable homes in the metro.

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

About this home

NEW CONSTRUCTION. Experience the best of Lake Sinclair with this exceptional lot-fee simple waterfront property featuring proposed new construction of a stunning modern craftsman designed for luxurious lake living. This thoughtfully designed home offers approximately 2,300+ square feet with 3 bedrooms, 2.5 bathrooms and an open-concept layout ideal for entertaining. The…

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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.

Home facts

Interior17

CoolingCentral Air, Electric

HeatingCentral, Electric

LaundryIn Hall

BasementCrawl Space

Bedrooms3

FeaturesBeamed Ceilings, Bookcases, Double Vanity, High Ceilings, Master On Main Level, Separate Shower, Soaking Tub, Vaulted Ceiling(s), Walk-In Closet(s)

FlooringLaminate, Tile

Bathrooms2.5

Appliances

Payment calculator

$7,032/mo

Principal, interest & taxes · $7,318/mo with home insurance

Principal & interest$6,053

Property taxes$979

Home insurance$286

Down payment$97,900 (10%)

Interest rate7.320%

Starts at today’s national average for a 30-year fixed, 7.32% (week of Oct 22). Not an APR or a loan offer. Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.

Down payment assistance

Upper-income census tract 13237960302 · Putnam 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).