1/3

Active

$489,900

3 beds · 3.5 baths · 2,247 sqft

LOT 3 Saliba Drive, Hartwell, GA 30643

Above market

Priced about $47,144 (11%) above comparable homes. Estimated market value $442,756, based on 471 comparable homes in the metro.

Estimate from Veribas listing comps — a guide, not an appraisal.

About this home

Welcome home to this classy cottage where simple elegance meets everyday living! Front porch opens into a 2-story foyer with a gas log fireplace and beautiful kitchen island. Primary is located on the main with his/her separate sinks areas, beautiful walk-in shower and spacious walk-in closet. Upstairs will be bedrooms 2 & 3, each with private baths. The builder currently has…

Master on mainGarageNo HOA

Listing remarks courtesy of Coldwell Banker Fort Realty.

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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.

Offer insights

Choose an offer strength

List price: $489,900

$485K–$489K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

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.

Home facts

Interior17

CoolingCentral Air, Heat Pump, Zoned

HeatingCentral, Electric, Heat Pump, Zoned

LaundryIn Hall

BasementNone

Bedrooms3

FeaturesDouble Vanity, High Ceilings, Master On Main Level, Tile Bath, Entrance Foyer, Vaulted Ceiling(s), Walk-In Closet(s)

FlooringLaminate

Bathrooms3.5

AppliancesDishwasher, Microwave, Range, Refrigerator, Stainless Steel Appliance(s)

Payment calculator

$3,519/mo

Principal, interest & taxes · $3,662/mo with home insurance

Principal & interest$3,029

Property taxes$490

Home insurance$143

Down payment$48,990 (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.

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 13147960402 · distressed/underserved · Hart 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.