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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

Veribas Valuation

Veribas Verified · from nearby MLS sales

$326,000range $306,000 – $346,000

Based on 6 sold homes within a mile (5 in the last 12 months), checked against 2 active/pending listings, adjusted for this home's updates · asking 5% below this value

Automated estimate from nearby MLS sales — not an appraisal.

Home facts

Interior17

CoolingCentral Air, Electric

HeatingCentral, Electric

LaundryIn Hall, In Kitchen, Laundry Closet

BasementNone

Bedrooms3

FeaturesDouble Vanity, Master On Main Level, Separate Shower, Soaking Tub

FlooringCarpet, Hardwood, Laminate, Tile, Vinyl

Bathrooms2

AppliancesConvection Oven, Dishwasher, Double Oven, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliance(s), Washer

Payment calculator

$2,226/mo

Principal, interest & taxes · $2,491/mo with home insurance and HOA

Principal & interest$1,916

Property taxes$310

Home insurance$90

HOA$175

Down payment$30,990 (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.

Down payment assistance

Middle-income census tract 13103030403 · Effingham 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).