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For sale

$209,900

Price cut $15,100

Est. monthly cost

$1,608/mo

461 Cardinal Drive, Monticello, GA 31064

Listing by The American Realty

Beds
3
Baths
2
Sq ft
1,344
Lot
19,602 sqft

About this home

Back on the market to no fault of the Sellers! Lake Community Living at Its Best! Move-in ready 3-bedroom, 2-bath home in the desirable Turtle Cove community, offering partial lake views and direct lake access through the adjacent green space. This beautifully updated home features new luxury vinyl plank flooring throughout, fresh interior paint, a bright and spacious open-concept living area, custom built-in bookshelves, and a well-appointed kitchen with custom cabinetry. All appliances convey with the sale, including the washer and dryer. Additional interior upgrades include updated fixtures, new vanity countertops, and new shower liners. Step outside to a large deck overlooking the lake-perfect for relaxing or entertaining. The stand-up crawl space provides excellent storage and features a new vapor barrier. Major systems have been maintained, with the roof and HVAC recently serviced. The exterior has been pressure washed and refreshed with new trim paint. Conveniently located on Cardinal Drive, this home is just moments from community beaches and the clubhouse. Residents of Turtle Cove enjoy an exceptional lifestyle with amenities including a golf course, a newly renovated clubhouse featuring a full-service restaurant and bar, a large partially covered swimming pool, pickleball courts, white-sand beaches, and three boat ramps providing easy access to the lake. Don't miss this opportunity to own an updated home with lake access and resort-style amenities in one of the area's most sought-after lake communities!

Type
Manufactured Home,Single Family Residence
Year built
1989
Price per sq ft
$156
HOA
$415/mo
Garage
—
Property tax (2024)
$651/yr
Listed
—
MLS #
10826903

Features

WaterfrontBasementSingle story

Interior

Bookcases · Master On Main Level · Walk-In Closet(s)

Appliances

Dishwasher · Dryer · Range · Refrigerator · Washer

Heating

Central

Cooling

Central Air

Flooring

Vinyl

View

Seasonal View

Lot

Greenbelt

Property details

Interior

Bedrooms on main level:
3
Primary bedroom on main:
Yes
Basement:
Crawl Space, Exterior Entry
Laundry:
Laundry Closet
Accessibility:
Accessible Approach with Ramp
Security:
Smoke Detector(s)
Levels:
One

Exterior and lot

Lot size:
0.45 acres
Patio and porch:
Deck
Waterfront features:
Lake Privileges

Construction

Architectural style:
Modular Home
Construction materials:
Wood Siding
Roof:
Composition
Foundation:
Block
Property condition:
Updated/Remodeled

Utilities

Sewer:
Septic Tank
Water source:
Private
Utilities:
Electricity Available, High Speed Internet, Underground Utilities, Water Available

Parking

Parking total:
2
Parking features:
Off Street, Parking Pad

Community and HOA

Subdivision:
Turtle Cove
HOA:
Yes
HOA fee:
$415/month
Association fee includes:
Security
Community features:
Clubhouse, Golf, Lake, Park, Playground, Pool, Shared Dock, Tennis Court(s)

Taxes and financial

Annual tax amount:
$651 (2024)
Listing terms:
Cash, Conventional, FHA, VA Loan
Special listing conditions:
Agent Owned

Monthly cost

Estimated monthly cost

$1,608/mo

Principal & interest
$1,034
Property taxes
$54
Home insurance
$105
HOA dues
$415

$41,980

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 26, 2026Listed for sale$225,000

Schools

  • Washington Park

    Elementary

  • Jasper

    Middle

  • Jasper

    High

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

Location

More homes in Turtle Cove

Listing information

Listing office:
The American Realty
Listing ID:
10826903
Status:
For sale

Source: Georgia MLS · Updated 7m ago · Nov 10, 2026, 4:00 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, 4:00 PM ET

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