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Pending
    • Price cut: $20K (6/9)
    $679,000

    440 Starling Dr, Monticello, GA 31064

    3beds
    1,800sqft
    : 
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    Single Family Residence
    Built in 1985
    -- sqft lot
    $644,400 Zestimate®
    $377/sqft
    $-- HOA

    What's special

    Multiple outdoor living spacesPrivate exterior entry
    Welcome to your lakefront escape in Turtle Cove on Jackson Lake! This beautifully maintained 3-bedroom, 2.5-bath home offers the perfect blend of comfort, style, and outdoor living. Situated on one of the most desirable streets in the community, Starling Drive, this property features a private max dock with two boat slips-ideal for boating, fishing, and fully enjoying lake life. Inside, you'll find approximately 1,800 square feet of thoughtfully updated living space, including new flooring throughout (2023) and a layout designed for both everyday living and entertaining. The home has been meticulously cared for, offering a truly move-in ready experience. The lower level features a private exterior entry, providing the perfect opportunity for a guest suite, in-law space, or potential apartment setup-adding flexibility and value. Step outside to enjoy multiple outdoor living spaces, including a covered porch perfect for morning coffee or evening unwinding, and a cozy firepit area for gathering with friends and family. A detached garage offers additional storage and functionality. Located in the sought-after Turtle Cove community, this home also offers close proximity to two of the neighborhood's beaches, along with access to amenities such as a golf course, clubhouse, pool, and more. Whether you're looking for a full-time residence or a weekend retreat, this Jackson Lake gem delivers the lifestyle you've been dreaming of. Don't miss your opportunity to own a slice of lake life!
    108 days
    |
    523
    |
    38
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Christen Delgado 404-710-4336,

    Southern Roots Realty Partners

    Source: GAMLS,MLS#: 10723207MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      • Main level bathrooms: 1
      • Main level bedrooms: 2
      Rooms
      • Room types: Other
      Heating
      • Electric, Hot Water
      Cooling
      • Ceiling Fan(s), Central Air, Electric
      Appliances
      • Included: Dishwasher, Dryer, Microwave, Oven, Refrigerator, Stainless Steel Appliance(s), Washer
      • Laundry: In Hall, Laundry Closet
      Features
      • Double Vanity, High Ceilings, Master On Main Level, Vaulted Ceiling(s)
      • Flooring: Laminate
      • Basement: Bath Finished,Exterior Entry,Finished,Interior Entry
      • Has fireplace: No
      Interior area
      • Total structure area: 1,800
      • Total interior livable area: 1,800 sqft
      • Finished area above ground: 1,248
      • Finished area below ground: 552

      Property

      Parking
      • Parking features: Detached, Garage Door Opener
      • Has garage: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Porch
      • Exterior features: Balcony, Dock, Other
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Lake, Swim Dock
      • Body of water: Jackson Lake
      • Frontage type: Lakefront
      Lot
      • Features: Other
      Details
      • Additional structures: Covered Dock, Garage(s)
      • Parcel number: 019D 046

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Bungalow/Cottage
      • Property subtype: Single Family Residence
      Materials
      • Wood Siding
      • Roof: Composition
      Condition
      • Resale
      • New construction: No
      • Year built: 1985

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Public
      • Utilities for property: Cable Available, Electricity Available, Phone Available, Water Available

      Community & HOA

      Community
      • Features: Clubhouse, Golf, Lake, Playground, Pool, Sidewalks, Street Lights
      • Security: Carbon Monoxide Detector(s), Security System, Smoke Detector(s)
      • Subdivision: Turtle Cove
      HOA
      • Has HOA: Yes
      • Services included: Other, Swimming
      Location
      • Region: Monticello

      Financial & listing details

      • Price per square foot: $377/sqft
      • Tax assessed value: $546,420
      • Annual tax amount: $5,081
      • Date on market: 4/2/2026
      • Cumulative days on market: 109 days
      • Listing agreement: Exclusive Right To Sell
      • Electric utility on property: Yes

        Estimated market value

        $644,400

        $612,000 - $677,000

        $2,151/mo

        Price history

        DateEventPrice
        7/14/2026Pending sale$679,000$377/sqft
        Source: GAMLS #10723207 Report a problem
        6/9/2026Price change$679,000-2.9%$377/sqft
        Source: GAMLS #10723207 Report a problem
        5/10/2026Price change$699,000-6.7%$388/sqft
        Source: GAMLS #10723207 Report a problem
        4/30/2026Price change$749,000-6.3%$416/sqft
        Source: GAMLS #10723207 Report a problem
        4/7/2026Price change$799,000-3.6%$444/sqft
        Source: GAMLS #10723207 Report a problem
        4/2/2026Listed for sale$829,000+239.8%$461/sqft
        Source: GAMLS #10723207 Report a problem
        4/6/2005Sold$244,000$136/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$5,145 -2.7%$218,568
        2024$5,287 +12.3%$218,568 +10.2%
        2023$4,707 -6.4%$198,248 +13.2%
        2022$5,030 +9.8%$175,128 +24.2%
        2021$4,583 +1.5%$141,008 +7.4%
        2020$4,515 -1.4%$131,288 +3%
        2019$4,581 +28.4%$127,408 +32.4%
        2018$3,567 +2%$96,255 +8.7%
        2017$3,498 +6.2%$88,535 +2.3%
        2016$3,293 $86,535 +6.3%
        2015$3,293 +4.3%$81,375 +2.1%
        2014$3,158 $79,695
        2013-- --
        2012-- --
        2011-- --
        2010-- --
        2009-- $105,975
        2008-- $105,975 +3.2%
        2007-- $102,699 +13.2%
        2006-- $90,739
        2005-- $90,739
        2004-- $90,739 +106.6%
        2003-- $43,916
        2002-- $43,916
        2001-- $43,916
        2000-- $43,916
        1999-- $43,916
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 31064

        Getting around

        0 / 100
        Car-Dependent
        1 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Washington Park
        • Middle: Jasper
        • High: Jasper

        Source: GAMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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