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For sale

$600,000

Price cut $25,000

Est. monthly cost

$3,758/mo

4020 Derby Drive, Gainesville, GA 30507

Listing by Keller Williams Realty Atl. Partners

Beds
4
Baths
3.5
Sq ft
3,821
Lot
0.64 acres

About this home

This exceptional Southern charmer offers the perfect blend of thoughtful updates, generous living space, and incredible indoor-outdoor amenities. A brand-new roof (July 2026) provides peace of mind, while the HVAC, interior paint, carpet, and luxury vinyl plank flooring have all been updated within the last one to three years. A gracious front porch welcomes you to this beauty. There are 4 bedrooms plus a large bonus room, 3.5 baths, and an office on the two main floors in addition to a fully finished terrace level. The spacious kitchen features granite countertops, a large breakfast area, and an oversized walk-in pantry, Relax year-round on the screened porch overlooking your private backyard retreat. Outside, enjoy the impressive 18' x 36' in-ground pool complete with a custom-fitted safety cover, all surrounded by an elegant wrought iron fence. Additional exterior features include an irrigation system to keep the landscaping looking its best. The garage is finished with durable epoxy flooring. The oversized primary suite is a true retreat with a tray ceiling and a beautifully remodeled bath featuring a frameless tiled shower, soaking tub, and updated finishes. The fully finished basement is ideal for multigenerational living, guests, or entertaining, offering its own living room, dining area, full kitchen, bedroom, full bathroom, and a second laundry room-providing exceptional flexibility and privacy. This well cared for home with versatile living spaces and fabulous private pool area, is move-in-ready, on a large lot and in a flat cul de sac! Students in the neighborhood attend the sought after Cherokee Bluff school cluster. Don't miss your opportunity to make this rare find yours!

Type
Single Family Residence
Year built
1996
Price per sq ft
$157
HOA
$175/mo
Garage
—
Property tax (2025)
$3,934/yr
Listed
—
MLS #
10808764

Features

Private poolBasement

Interior

Double Vanity · High Ceilings · In-Law Floorplan · Tile Bath · Walk-In Closet(s)

Appliances

Cooktop · Dishwasher · Double Oven · Microwave · Refrigerator · Stainless Steel Appliance(s)

Heating

Central

Cooling

Ceiling Fan(s) · Central Air

Flooring

Carpet · Hardwood · Tile

Lot

Cul-De-Sac · Private

Property details

Interior

Bedrooms on main level:
0
Primary bedroom on main:
No
Fireplaces:
1
Fireplace features:
Family Room
Basement:
Bath Finished, Daylight, Exterior Entry, Finished, Full, Interior Entry
Laundry:
Upper Level
Levels:
Two

Exterior and lot

Lot size:
0.64 acres
Patio and porch:
Patio, Porch
Fencing:
Back Yard, Fenced

Construction

Architectural style:
Traditional
Construction materials:
Vinyl Siding
Roof:
Composition
Property condition:
Resale

Utilities

Sewer:
Septic Tank
Water source:
Public
Utilities:
Cable Available, Electricity Available, High Speed Internet, Phone Available, Underground Utilities, Water Available

Parking

Parking total:
2
Parking features:
Garage, Attached, Garage Door Opener

Community and HOA

Subdivision:
Churchill Downs
HOA:
Yes
HOA fee:
$175/month
Association fee includes:
Maintenance Grounds

Taxes and financial

Annual tax amount:
$3,934 (2025)

Monthly cost

Estimated monthly cost

$3,758/mo

Principal & interest
$2,955
Property taxes
$328
Home insurance
$300
HOA dues
$175

$120,000

Estimate only. Taxes use the listing's most recent figure where available; insurance assumes 0.6% of price per year, typical for the area, not including flood cover. Mortgage insurance applies below 20% down.

Price & status history

DateEventPrice
Oct 30, 2026Price decreased$600,000−4.0%
Aug 2, 2026Listed for sale$625,000

Schools

  • Chestnut Mountain

    Elementary

  • Cherokee Bluff

    Middle

  • Cherokee Bluff

    High

School assignments can change — verify with the district before you buy.

Location

More homes in Churchill Downs

Listing information

Listing office:
Keller Williams Realty Atl. Partners
Listing ID:
10808764
Status:
For sale

Source: Georgia MLS · Updated 13m ago · Nov 10, 2026, 10:00 PM ET

Georgia MLS

Listings courtesy of Georgia MLS. Listing information © 2026 Georgia MLS. All rights reserved. Each listing names its listing firm.

© 2026 Georgia MLS. All rights reserved. Information is deemed reliable but is not guaranteed. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by GAMLS. Last updated Nov 10, 2026, 10:00 PM ET

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