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$100,000

3 beds · 1 baths · 1,378 sqft

45 Congress Street, Summerville, GA 30747

Great deal

Priced about $184,045 (65%) below comparable homes. Estimated market value $284,045, based on 291 comparable homes in the metro.

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

About this home

Welcome to 45 Congress St, Summerville, GA! This 3-bedroom, 1-bath home offers 1,378 sq ft of living space on approximately 0.33 acres. The property has been owned since 2019 and features several recent updates. The kitchen includes wood cabinetry with a polyurethane finish, new flooring and an island added in 2021, and updated cabinets completed in 2025. The primary bedroom…

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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: $100,000

$99K–$100K

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.

Veribas Rental Valuation

If you rented it out · estimated from sale value

$800/morange $700 – $9009.6% gross yield

Estimated from this home's value — not enough similar rentals nearby for a direct comparison.

118 Peach Street3 bd · 2 ba · 1,207 sqft · 4.7 mi away · leased$1,350/mo 130 Gadsden Avenue3 bd · 2 ba · 1,350 sqft · 8.4 mi away · leased$1,200/mo

Automated estimate — actual rent depends on condition, terms, and season. Not a guarantee of rental income.

Payment calculator

$718/mo

Principal, interest & taxes · $747/mo with home insurance

Principal & interest$618

Property taxes$100

Home insurance$29

Down payment$10,000 (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 13055010401 · distressed/underserved · Chattooga 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.