Pending
$644,900
4 beds · 4 baths
1125 Melody Bend, Watkinsville, GA 30677
About this home
Welcome to Luxury Cottage living in Watkinsville's premiere community, Trove. Cottage 2 features the primary bedroom on the main floor with 4 bedrooms and 3.5 baths. On the main level is a foyer opening into the family room, dining room, and gourmet kitchen. The gourmet kitchen features granite countertops, tile backsplash, an island, a pantry, gourmet stainless steel…
Listing remarks courtesy of DFH Realty Ga, LLC.
· FMLS #7696342770-284-0841
$4,409/mo est.
with $64,490 down · $644,900 list price*
Buyer services · Veribas Real Estate LLC — not the listing broker unless noted above
Connect with a lender · no credit check*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
Home details
4
Beds
4
Baths
2025
Built
1
Fireplaces
$1,200/annual
HOA
Veribas Rental Valuation
If you rented it out · from nearby rentals
$2,350/morange $2,175 – $2,5254.4% gross yield
Based on 9 similar rentals within 10 mi (2 recently leased).
Home facts
Payment calculator
$4,698/mo
Principal & interest$3,765
Property taxes$645
Home insurance$188
HOA$100
Down payment$64,490 (10%)
Interest rate6.750%
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 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.
Value & price history
Estimated valueListed for salePending
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A Veribas agent walks every showing — questions answered on the spot.
No surprises at closing
No junk fees — the numbers you agree to are the numbers you sign.
Schools
Colham FerryElementary
Oconee CountyMiddle
Oconee CountyHigh
Location
14 for sale 3 pending 12 sold
Listed by
DFH Realty Ga, LLC
Source: FMLS · #7696342
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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.
