Priced in line with comparable homes. Estimated market value $353,000, based on 6 comparable homes nearby.
Estimate from Veribas listing comps — a guide, not an appraisal.
About this home
Come on in and take a look around! From the moment you step inside, this beautiful four bedroom, three full bath home feels open, comfortable, and easy to settle into. Just off the main living area, you'll find a bonus room that gives you the flexibility for working from home, a playroom, hobby space, or whatever fits your lifestyle. Continue into the heart of the home…
Master on mainGarageWaterfront
Listing remarks courtesy of Pinnacle Realtors.
Listing courtesy of Pinnacle Realtors· GAMLS #10835797
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 7.11%, the national average for the week of Nov 12, 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
3
Baths
2,583
Sqft
2021
Built
0.87 ac
Lot
$300
HOA
$5,326/yr
Est. taxes
26 days on market
Listed
Veribas Valuation
Veribas Verified · from nearby MLS sales
$353,000range $332,000 – $374,000
Based on 6 sold homes within a mile (5 in the last 12 months), checked against 8 active/pending listings · asking 3% above this value
Automated estimate from nearby MLS sales — not an appraisal.
Offer insights
Choose an offer strength
List price: $365,000
$361K–$364K
70% to 90% chance of a winning offer
Just under asking — competitive when the home is fresh.
Veribas Valuation: $353,000 — 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
$2,825/morange $2,625 – $3,0259.3% gross yield
Based on 4 similar rentals within 5 mi (3 recently leased).
Principal, interest & taxes · $2,981/mo with home insurance and HOA
Principal & interest$2,210
Property taxes$365
Home insurance$106
HOA$300
Down payment$36,500 (10%)
Interest rate7.110%
Starts at today’s national average for a 30-year fixed, 7.11% (week of Nov 12). 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
Likely assumable FHA loan
HUD’s public FHA records show a $343,660 FHA loan that started in May 2025, matching the owner’s purchase of this home. FHA loans can usually be taken over by a qualified buyer. It may have been refinanced or paid down since, so ask below and we’ll confirm it with the listing agent. 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
Not published
Original lender
NFM Inc.
Loan term
Not published
Started
May 2025
Public records show this loan’s rate, but not its term, so we don’t show the number. Ask below and we’ll get the rate, lender and loan term from the listing agent.
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 13255161202 · Spalding 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 valuePendingSold
Property tax history
Year
Property taxes
2026
$5,326
-10.3%
2025
$5,940
Annual taxes as reported on each MLS listing of this home. A new owner’s bill can differ: Georgia homestead and senior exemptions don’t transfer with a sale.
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 bathrooms3
Main level bedrooms3
Main level bathrooms2
Finished area above ground2,583 sqft
Finished area below ground0 sqft
Total interior livable area2,583 sqft
Property7
LevelsOne and One Half
Lot size0.87 ac
Lot featuresSloped
Parcel number044D01002
Attached garageNo
Parking featuresGarage, Garage Door Opener
Waterfront featuresCreek
Construction8
RoofComposition
ConditionResale
Home typeResidential
MaterialsConcrete, Stone
Year built2,021
New constructionNo
Property subtypeSingle Family Residence
Architectural styleCraftsman
Utilities & green energy4
SewerPublic Sewer
WaterPublic
Electric on propertyYes
Utilities for propertyElectricity Available, High Speed Internet, Sewer Available, Water Available
Community & HOA5
HOA fee$300
Has HOAYes
SubdivisionColdwater Creek
Services includedSwimming, Tennis
Community featuresClubhouse, Pool, Tennis Court(s)
Financial & listing details3
Annual tax amount$5,326
Price per square foot$141/sqft
Cumulative days on market26
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.
