Active
$449,900
3 beds · 2 baths · 1,892 sqft
1130 Cumberland Valley Road, Gainesville, GA 30501
Above market
Priced about $35,900 (9%) above comparable homes. Estimated market value $414,000, based on 6 comparable homes nearby.
Estimate from Veribas listing comps — a guide, not an appraisal.
About this home
Welcome home to this move-in ready, beautifully renovated four-sided brick ranch nestled in one of Gainesville’s highly desirable in-town neighborhoods. Offering the perfect blend of classic charm, thoughtful updates, privacy, and convenience, this unique home is just minutes from all that downtown Gainesville has to offer.
Step inside to discover original hardwood floors…
BasementNo HOARenovated
Listing remarks courtesy of Candler Real Estate Group, LLC.
· FMLS #07d4677354f816a5160f81d1de35c370770-988-6383
$3,076/mo est.
with $44,990 down · $449,900 list price*
Buyer services · Veribas Real Estate LLC — not the listing broker unless noted above
Connect with a lender · no credit check*Estimate — 30-yr fixed at 6.75% APR with taxes & insurance. Not 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
3
Beds
2
Baths
1,892
Sqft
1964
Built
0.72 ac
Lot
2
Veribas Valuation
Veribas Verified · from nearby MLS sales
$414,000range $389,000 – $439,000
Based on 6 sold homes within a mile (6 in the last 12 months), checked against 8 active/pending listings, adjusted for this home's renovation · asking 9% above this value
Automated estimate from nearby MLS sales — not an appraisal.
Offer insights
Choose an offer strength
List price: $449,900
$445K–$449K
70% to 90% chance of a winning offerJust under asking — competitive when the home is fresh.
Veribas Valuation: $414,000 — asking sits above our value; a moderate offer is defensible with comps.
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
$2,600/morange $2,425 – $2,7756.9% gross yield
Based on 7 similar rentals within a mile (2 recently leased).
3 bd · 2 ba · 1,280 sqft · 0.3 mi away$1,650/mo3 bd · 2 ba · 0.4 mi away$1,895/mo3 bd · 2 ba · 0.5 mi away · leased$1,895/mo2 bd · 2 ba · 1,234 sqft · 0.3 mi away$1,845/mo
Automated estimate — actual rent depends on condition, terms, and season. Not a guarantee of rental income.
Home facts
Payment calculator
$3,207/mo
Principal & interest$2,626
Property taxes$450
Home insurance$131
Down payment$44,990 (10%)
Interest rate6.750%
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?
If the seller has an FHA, VA or USDA mortgage, you may be able to take it over and keep their rate, often far below today’s. This listing doesn’t say. Ask, and a Veribas agent will check the seller’s loan and tell you the rate, the balance and what you’d need down.
Down payment assistance
Middle-income census tract 13139000901 · Hall 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.
Value & price history
Estimated valueListed for sale
Listed for sale
Sep 26, 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.
Schools
Enota Multiple Intelligences AcademyElementary
Gainesville EastMiddle
GainesvilleHigh
Location
65 for sale 11 pending 12 sold
Listed by
Candler Real Estate Group, LLC
Source: FMLS · #07d4677354f816a5160f81d1de35c370
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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.
