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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.

12 Somerset Lane, Cartersville, GA 30121

Overpriced

Priced about $143,905 (23%) above comparable homes. Estimated market value $626,075, based on 5 comparable homes nearby.

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

About this home

If you're looking for cookie-cutter, this is NOT it! This incredible, one-of-a-kind home was literally built into the side of a mountain, offering multiple levels of unique living space, beautiful architectural details, and peaceful wooded views on nearly an acre! From the moment you enter, you'll appreciate the soaring ceilings, gorgeous exposed wood beams, extensive crown…

BasementGarage

Listing remarks courtesy of REMAX Around Atlanta.

Listing courtesy of REMAX Around Atlanta· FMLS #7864442

770-377-3256

Home facts

Interior18

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

HeatingElectric, Heat Pump, Zoned

LaundryElectric Dryer Hookup, In Kitchen, Laundry Room, Main Level

BasementDaylight, Partial, Unfinished, Walk-Out Access

Bedrooms4

FeaturesBeamed Ceilings, Cathedral Ceiling(s), Crown Molding, Double Vanity, High Ceilings 9 ft Lower, High Ceilings 9 ft Main, High Ceilings 10 ft Main, High Speed Internet, Recessed Lighting, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s)

FlooringCarpet, Ceramic Tile, Hardwood

Bathrooms4

AppliancesDishwasher, Double Oven, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Self Cleaning Oven

Fireplaces4

Room typesAttic, Basement, Bathroom, Bedroom, Bonus Room, Den, Family Room

Common wallsNo Common Walls

1/2 bathrooms1

Full bathrooms3

Main level bedrooms0

Main level bathrooms0

Finished area above ground3,706 sqft

Total interior livable area3,706 sqft

Property9

LevelsMulti/Split

Lot size0.91 ac

Lot featuresBack Yard, Front Yard, Private, Sloped, Wooded

Body of waterAllatoona

Parcel numberE014 0001 062

Parking spaces3

Other equipmentIrrigation Equipment

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

Waterfront featuresNone

Construction7

RoofComposition, Shingle

ConditionResale

Home typeResidential

MaterialsCement Siding, HardiPlank Type, Stone

Year built2,007

Property subtypeSingle Family Residence

Architectural styleCraftsman, Traditional

Utilities & green energy3

SewerSeptic Tank

WaterPublic

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

Community & HOA6

HOA fee$925 annually

Has HOAYes

SecuritySecurity Gate, Security System Owned, Smoke Detector(s)

SubdivisionVillage at Waterside

Services includedSwim

Community featuresGated, Homeowners Assoc, Near Shopping, Near Trails/Greenway, Pool, Street Lights

Financial & listing details3

Date on market2026-11-05

Annual tax amount$7,563

Price per square foot$208/sqft

Down payment assistance

Moderate-income census tract 13015960805 · Bartow 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.