Cottage Grove at Lake Oconee | Neighborhood Guide
Cottage Grove is the newest and the smallest new-construction neighborhood near Lake Oconee. One road, cottage-style ranch homes, and prices that start in the $280,000s.
Where Cottage Grove Is Located Near Lake Oconee
Off Harmony Road in Putnam County, on a single road with a cul-de-sac end called Cottage Grove Circle. The Eatonton Publix and Harmony Crossing is five minutes or less away.
Quick Facts
| County / city | Putnam County — Eatonton, GA 31024 |
| Streets | Cottage Grove Circle |
| Getting there | Off Harmony Road |
| Builder | Rooftop Communities. Still selling and still building |
| Lots | About 0.16 acres |
| Time to grocery | About 5 minutes to the Publix at Harmony Crossing |
| Gated | No |
| POA | $1,800 a year, covering exterior maintenance |
| Water access | None |
| Schools | Putnam County School District |
Is Cottage Grove Actually on Lake Oconee?
It is called Cottage Grove at Lake Oconee. It is at the lake but it is not on the lake. It is a short drive to everything the lake area has to offer — restaurants, marinas, necessities. And it is at a price point that draws people who want to be near it all for a good entry point in a brand new build.
The Homes at Cottage Grove
Single-level ranch homes in a cottage style, all by the same builder, currently running from about $280,000 to $360,000. Sizes start near 1,000 square feet and run to roughly 1,840, with two and three bedroom layouts.
Finishes are consistent across the plans — granite or quartz counters, luxury vinyl plank through the living areas, a gas fireplace in the great room and a two-car garage. Covered patios and mud areas appear as options rather than standard.
Lots are about a sixth of an acre and the houses sit close together, which is the trade for the price and the location.
What the Cottage Grove Dues Cover
The POA runs $1,800 a year, which is a little high for a small off-water neighborhood. What it buys is exterior maintenance, and for a lot of buyers here that trade is worth making — particularly for anyone using the house part-time or downsizing out of something that needed constant attention.
Ask what is covered in writing before you write an offer, because exterior maintenance means different things in different neighborhoods.
Who Cottage Grove Suits
Somebody who wants a new house near the lake without a lake price, and who would rather not spend weekends on a ladder. The size suits downsizers, people buying a second place, and anyone who wants the area without the acreage. 6 listings for sale now · listed from $283K to $355K · average 74 days on market $355,040 3 bd · 3 ba · 1,839 sq ft 131 Cottage Grove Circle, Eatonton, GA 31024 Listing courtesy of Rooftop Realty, LLC, 706-558-4022 · #71628 $354,450 3 bd · 3 ba · 1,839 sq ft 123 Cottage Grove Circle, Eatonton, GA 31024 Listing courtesy of Rooftop Realty, LLC, 706-558-4022 · #71625 $341,182 3 bd · 2 ba · 1,705 sq ft 125 Cottage Grove Circle, Eatonton, GA 31024 Listing courtesy of Rooftop Realty, LLC, 706-558-4022 · #71626 $323,820 3 bd · 2 ba · 1,502 sq ft 121 Cottage Grove Circle, Eatonton, GA 31024 Listing courtesy of Rooftop Realty, LLC, 706-558-4022 · #71621 $306,529 3 bd · 2 ba · 1,314 sq ft 119 Cottage Grove Circle, Eatonton, GA 31024 Listing courtesy of Rooftop Realty, LLC, 706-558-4022 · #71108 $282,996 2 bd · 2 ba · 1,014 sq ft 111 Cottage Grove Circle, Eatonton, GA 31024 Listing courtesy of Rooftop Realty, LLC, 706-558-4022 · #71107 Non-commercial use only. Listing data © 2026 Lake Country Board of REALTORS® MLS. Deemed reliable but not guaranteed.
Cottage Grove at Lake Oconee Homes for Sale
Cottage Grove: Frequently Asked Questions
Is Cottage Grove on Lake Oconee?
No. It sits off Harmony Road in Putnam County with no lake frontage and no neighborhood lake access.
Where is Cottage Grove at Lake Oconee?
On Cottage Grove Circle, off Harmony Road, about five minutes from the Eatonton Publix and Harmony Crossing.
How much do homes at Cottage Grove cost?
Currently about $280,000 to $360,000.
Who builds at Cottage Grove?
Rooftop Communities. Every house in the neighborhood is theirs and it is still selling.
What are the HOA dues at Cottage Grove?
$1,800 a year, which covers exterior maintenance.
How big are the homes at Cottage Grove?
From about 1,000 square feet to roughly 1,840, all single level, in two and three bedroom layouts.
Is Cottage Grove gated?
No.
How much is my Cottage Grove home worth?
Against other new construction in both Putnam and Greene County rather than against lake property, with the dues factored in. The Bluffs at Carey Station is a great comparable neighborhood that comes in with a tad larger build but similar finishes. Cottage Grove is new enough that almost everything in it is a builder sale, so there is very little resale history to work from yet. Find out what your Cottage Grove home would sell for today.
Thinking About Cottage Grove?
If you are weighing a new build here against an older house closer to the water, those are different purchases with different resale stories. You can also browse the communities central to the commercial district or every neighborhood in the Lake Oconee neighborhood guides. Contact Margie with any questions about the lake area. She will be honest about where you fit best by lifestyle, budget, and community.