By Ethan Harkins, Realtor® | Keller Williams Lake Oconee
Phone: 706-817-2905
Email: ethanharkins@kw.com
Introduction
If you're thinking about moving to Lake Oconee, GA, you're not alone. Whether you're looking to retire in comfort, escape the Atlanta hustle on weekends, or relocate full-time, Lake Oconee offers a lifestyle unlike anywhere else in Georgia. With its peaceful shoreline, luxury homes, and tight-knit communities, this guide will walk you through everything you need to know before making your move.
We'll dive deep into the real estate market, community lifestyles, local gems, and even what it really costs to live here—including a few personal recommendations from someone who lives and works the Lake Oconee life every day.
1. Where Is Lake Oconee, GA?
Lake Oconee is a 19,000-acre reservoir in central Georgia, stretching across Greene, Putnam, and Morgan counties. It's roughly 80 miles east of Atlanta and 70 miles west of Augusta. The lake itself has over 370 miles of shoreline, making it a haven for boaters, anglers, and lakefront homeowners.
While it may seem tucked away, Lake Oconee is incredibly well-connected. You can enjoy peace and privacy here without feeling isolated—everything you need is just a short drive away, and Atlanta's airport is easily accessible for weekend getaways or visiting family.
2. What It's Like Living on Lake Oconee
Lifestyle Perks
- Waterfront living with private docks and sunset views
- World-class golf at communities like Reynolds and Harbor Club
- Active outdoor life: kayaking, paddleboarding, fishing, biking, hiking
- Boutique shopping, farmer's markets, and fine dining
- A slower pace of life with friendly neighbors and strong community ties
Lake Oconee isn't just about lake houses and golf carts. It's a lifestyle. Whether you're walking the trails in Harbor Club, brunching at Lake Oconee Bistro (don’t miss their shrimp & grits), or boating with friends on a Saturday afternoon, the pace is relaxed but full of opportunity to connect and enjoy.
Who Lives Here
- Retirees seeking resort-style amenities with low property taxes
- Remote professionals and business owners escaping city traffic
- Families moving for safety, schools, and space
- Second-home buyers from Atlanta, Savannah, and Florida
3. Lake Oconee Real Estate Market Overview (2025)
Current Trends
- Median home price: ~$920,000
- Waterfront homes: Start around $1M and go well beyond $3M
- Gated community homes (like Harbor Club): Start around $500K
- Days on Market: Typically 70–90 days
- Inventory: Increasing, which offers more negotiating room for buyers
In Demand
- New construction homes with energy efficiency and flexible spaces
- Golf course homes with lake access
- Move-in-ready properties under $800K in established communities
4. Best Places to Live Around Lake Oconee
- Reynolds Lake Oconee: Upscale, resort-style living. Championship golf, full-service marinas, spa access, and The Ritz-Carlton are all part of the community experience.
- Harbor Club: A favorite for families and second-home buyers. Gated, with a highly rated golf course, fitness center, marina access, and walkable trails. Homes range from $500K to $1.5M+.
- Cuscowilla: Boutique, laid-back, and serene. Think understated luxury with less HOA oversight and an emphasis on natural beauty.
- Sebastian Cove & Water’s Edge: Perfect for custom builds or buyers wanting a little more space and freedom. Great for equestrians or anyone wanting to spread out.
- Village at Harmony Crossing: Village-style living close to shopping, dining, and healthcare. Great for those who want everything nearby.
5. Local Flavor: Dining, Culture & Day-to-Day Joy
- The Yesterday Café (Greensboro): Famous for their buttermilk pie and southern-style meat-and-threes.
- Linger Longer Steakhouse (Reynolds): Elegant dining perfect for special occasions.
- The Silver Moon (Eatonton): A local favorite for seafood with a warm, casual atmosphere.
You'll also find charming boutiques, artisan shops, and seasonal events throughout Greensboro and Eatonton. From lake festivals to outdoor concerts and Saturday markets, there's always something going on. Medical services are also readily available at St. Mary's Good Samaritan Hospital.
6. What It Really Costs to Live Here (Sample Budget)
Example: Buying a $700,000 home in Harbor Club
- Mortgage (est.): $4,000/month (with 20% down)
- HOA fees: ~$2,500/year ($208/month)
- Utilities: ~$400/month
- Dining out 2x/week: ~$400/month
- Golf/social club (optional): $200–600/month
Total Estimated Monthly Lifestyle Cost: $5,000–$5,600 (excluding taxes and insurance)
7. Downsides of Living in Lake Oconee
- Healthcare: Local clinics and a hospital are available, but specialty care may require travel to Athens or Augusta.
- Job Market: Ideal for retirees or remote workers. Local opportunities mostly center around healthcare, hospitality, and education.
- Off-season Quiet: Lake life slows during winter and weekdays. Great for some, too quiet for others.
- HOA Rules: Vary by community. Always read the fine print.
- Commute to Atlanta: Around 80 miles. Not ideal for daily commutes, but many residents make the drive a few days a week, especially those with hybrid work schedules.
8. Tips for Moving to Lake Oconee
- Visit during different seasons to get the full experience
- Decide if you want to prioritize golf, boating, or walkable living
- Work with a local agent who knows off-market listings
- Check internet speed if working remotely
- Plan for lake-specific maintenance (boats, docks, etc.)
9. Final Thoughts
Lake Oconee isn’t just a place to live—it’s a lifestyle. With its calm waters, scenic beauty, luxury amenities, and growing communities, it’s no wonder more people are making the move.
If you're ready to take the next step or just want to talk through your options, I'm here to help.
Ethan Harkins, Realtor®
Keller Williams Lake Oconee
Phone: 706-817-2905
Email: ethanharkins@kw.com