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Brand New 4-Bedroom in the North Georgia Mountains — $260K — FHA Ready & USDA Eligible. The most affordable brand-new 4-bedroom home in Habersham County. This 2026 Clayton Boone delivers four bedrooms, two full baths, and 1,568 square feet of one-level living on an easy-care 0.35-acre lot in an established, quiet neighborhood between Clarkesville and Demorest — ten minutes to downtown Clarkesville's shops, dining, and events, five minutes to Piedmont University, and a short drive to some of North Georgia's best hiking trails and waterfalls. Inside, an open kitchen anchors the home with a stained-cabinet island, coffee bar, and floating shelves, flowing into a spacious living room and adjoining den — two distinct gathering spaces that give your family real room to spread out. The primary suite sits at one end of the home with a private en-suite bath, while three additional bedrooms and a hall bath sit at the other end, split for privacy. A flex space off the kitchen works as an office, mudroom, or pantry. City of Demorest water plus a brand-new private septic system — no well to maintain, no monthly sewer bill. Built on a permanent foundation with brick skirting. Double-pane windows, brand-new stainless-steel appliances included. No HOA. Financing for every path to homeownership: approved for FHA, VA, USDA, and Conventional loans. USDA offers qualified buyers 100% financing — zero down. FHA gets you in for as little as 3.5% down. Peace of mind from day one: Approved for FHA, VA, USDA (100% Financing), and Conventional Loans 1-Year Full Manufacturer's Warranty Lifetime Siding Warranty 20-Year Shingle Warranty 7-Year HVAC Warranty Full Manufacturer Coverage on All New Appliances City of Demorest Water + New Private Septic Permanent Foundation Demorest Elementary / Wilbanks Middle / Habersham Central Why this one: Nowhere else in Habersham County can you get four real bedrooms of brand-new construction at this price. Minutes from downtown Clarkesville, Piedmont University, and the waterfalls and trails that make this corner of Georgia special — whether you're a first-time buyer using FHA's 3.5% down, a veteran using your VA benefit, or going zero-down through USDA, this is your most affordable path to a brand-new home in the mountains. Schedule your tour today.

IDX content last updated: Oct 2, 2026, 10:30 AM EDT