Priced about $22,500 (5%) below comparable homes. Estimated market value $472,000, based on 6 comparable homes nearby.
Estimate from Veribas listing comps — a guide, not an appraisal.
About this home
Motivated Seller! 2.85% Assumable Loan. $7500 flooring & painting credit. This spacious four-bedroom, four-bath home also features a versatile bonus room that can easily serve as a fifth bedroom, home office, or guest space. With three en-suite bedrooms, this home offers exceptional comfort and privacy for family members and guests alike. The upgraded kitchen showcases…
Master on mainGarageCul-de-sacNo HOA
Listing remarks courtesy of ERA Kings Bay Realty.
Listing courtesy of ERA Kings Bay Realty· GAMLS #10770713
These lenders are independent and not affiliated with Veribas Real Estate. You are free to choose any lender. Are you a lender?
*Estimate — 30-yr fixed at 7.32%, the national average for the week of Oct 22, plus property taxes. Insurance and HOA are extra. Not an APR or a loan offer.
Make an offer
Sign in, then back your offer with a verified pre-approval — either a Veribas pre-approval or a lender letter we confirm.
In-person tour
As soon as today with a Veribas agent
Video walkthrough
Live from the home, on your schedule
Home details
4
Beds
4
Baths
2,611
Sqft
2021
Built
0.23 ac
Lot
2 spaces
Parking
None
HOA
$5,490.54/yr
Est. taxes
113 days on market
Listed
Veribas Valuation
Veribas Verified · from nearby MLS sales
$472,000range $444,000 – $500,000
Based on 6 sold homes within a mile (6 in the last 12 months), checked against 8 active/pending listings · asking 5% below this value
Automated estimate from nearby MLS sales — not an appraisal.
Offer insights
Choose an offer strength
List price: $449,500
$445K–$448K
70% to 90% chance of a winning offer
Just under asking — competitive when the home is fresh.
113 days on market — sitting listings negotiate. A moderate offer here does more than these odds suggest.
Veribas Valuation: $472,000 — asking sits below our value; strong offers here still buy under market.
Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.
Veribas Rental Valuation
If you rented it out · from nearby rentals
$3,425/morange $3,175 – $3,6759.1% gross yield
Based on 9 similar rentals within a mile (3 recently leased).
Principal, interest & taxes · $3,359/mo with home insurance
Principal & interest$2,779
Property taxes$449
Home insurance$131
Down payment$44,950 (10%)
Interest rate7.320%
Starts at today’s national average for a 30-year fixed, 7.32% (week of Oct 22). Not an APR or a loan offer. Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.
Assumable loan
Assumable 2.85% loan
The listing says a qualified buyer can take over the seller’s existing mortgage and keep its 2.85% rate. The low rate covers only the loan balance; the rest of the price is yours to bring, in cash or with a second loan.
Rate (per listing)
2.85% (not an APR)
Lender
Not published
Loan term
Not published
Started
Not published
The rate is as the listing agent states it in the description. Ask below and we’ll confirm it, the lender and the loan term with the listing agent.
About $273/mo less per $100,000 of balance you assume, compared with a new 30-year loan at today’s 7.32% national average.
What you’d bring to closing
Finance the rest of the down payment
A partner lender can quote a second loan for the gap and check you for the assumption.
Rates, lenders, terms and balances come from three places only: the listing agent's own remarks; the FHA loan in HUD's public FHA Single Family Portfolio Snapshot that matches the owner's recorded MLS purchase to the dollar (shown as "Likely"; the lender named is the loan's original lender, which may no longer service it, and the balance is the original loan paid down on schedule, so the loan may since have been refinanced, modified or paid down faster); or a Veribas agent's confirmation with the listing agent. A rate is shown when the listing description states it (labelled as such) or when its lender and loan term are known; payments are shown only when the lender and term are known. Otherwise ask and we'll get them. Rates shown are the existing loan's note rate, not an annual percentage rate (APR), and not an offer of credit from Veribas. Payments shown are principal, interest and estimated property taxes; homeowners insurance, FHA mortgage insurance, VA or FHA assumption fees and HOA dues are extra, so the actual payment will be higher. Down payments assume a second loan at 8.5% over 30 years up to 90% of the price combined; that is an illustration, not a loan offer. The loan servicer (and, for VA loans, the VA) approves every assumption, and the buyer must qualify. VA loans can be assumed by non-veterans, but the seller's VA entitlement stays tied to the loan unless the buyer is a veteran who substitutes theirs. Verify the rate, lender, term and balance with the listing agent before you offer.
Down payment assistance
Middle-income census tract 13039010404 · Camden County · FFIEC 2026
Georgia Dream down payment assistance
Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)
For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.
The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).
Chenoa Fund down payment assistance
5% of the price · Forgivable loan (forgiven after a set time in the home)
For down payment. 600+ credit score. Ends Dec 31, 2026.
We stand behind every home
AI-verified pricing
Every list price is checked against our valuation model and local comps.
Licensed agent on every tour
A Veribas agent walks every showing — questions answered on the spot.
No surprises at closing
No junk fees — the numbers you agree to are the numbers you sign.
Automated estimate — actual rent depends on condition, terms, and season. Not a guarantee of rental income.
Fireplaces0
1/2 bathrooms0
Full bathrooms4
Main level bedrooms2
Main level bathrooms2
Finished area above ground2,611 sqft
Finished area below ground0 sqft
Total interior livable area2,611 sqft
Property7
LevelsTwo
Lot size0.23 ac
Lot featuresLevel
Parcel number107T02 036
Parking spaces2
Attached garageYes
Parking featuresGarage, Attached, Kitchen Level, Garage Door Opener
Construction8
RoofComposition
ConditionResale
Home typeResidential
MaterialsConcrete
Year built2,021
New constructionNo
Property subtypeSingle Family Residence
Architectural styleTraditional
Utilities & green energy3
SewerPublic Sewer
WaterPublic
Utilities for propertyCable Available, Sewer Connected
Community & HOA5
Has HOANo
SecuritySmoke Detector(s)
SubdivisionLake Juniper
Services includedNone
Community featuresNone
Financial & listing details3
Annual tax amount$5,491
Price per square foot$172/sqft
Cumulative days on market113
A second mortgage for 3.5% or 5% of the price, paired with an FHA loan through Southeast Mortgage. The forgivable version is 0% and forgiven after 36 on-time payments (due in full if you sell or refinance sooner); a repayable version is paid monthly over 10 years. No income limit, repeat buyers welcome, 600+ credit. Source: chenoafund.org and southeastmortgage.com/uga (checked 2026-09-24).
Georgia Dream down payment assistance
Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)
For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.
The State of Georgia's program (Georgia DCA), offered through Truist, a Georgia Dream participating lender. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov (lender list and program matrix, checked 2026-09-24).
Truist Community Homeownership Incentive Program (CHIP)
up to 100% financing · Low down payment loan (the home loan itself — little or nothing down)
For down payment, mortgage insurance. Ends Dec 31, 2026.
A Truist home loan with little or nothing down — not a grant. Up to 100% financing in the Atlanta-Sandy Springs-Alpharetta metro and up to 97% elsewhere, no mortgage insurance, at least $500 of your own money, 30-year fixed up to the conforming limit. Income limits and homebuyer education may apply. Source: truist.com/mortgage/affordable-home-loan-options (checked 2026-09-24).
Programs are published by the lenders, who set and confirm eligibility. The home's census tract is one requirement; buyer income, credit and other rules also apply.
