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$319,900

Veribas Valuation $311,000asking 3% abovehow we got this

3 beds · 2 baths · 1,744 sqft

25 Cotton View Lane, Lavonia, GA 30553

Fair price

Priced in line with comparable homes. Estimated market value $311,000, based on 6 comparable homes nearby.

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

About this home

This newly constructed 3-bedroom ranch home is conveniently located within the city limits of Lavonia and walkable to town. The open concept design creates a spacious feel, perfect for modern living. The kitchen has an island, granite countertops, stainless steel appliances and walk-in pantry - offering both style and function. The primary bedroom ensuite features a double…

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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: $319,900

$316K–$319K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

Veribas Valuation: $311,000 — asking is right at our value — the ranges above are honest odds.

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

Interior19

CoolingCentral Air, Electric

HeatingCentral, Electric, Heat Pump

LaundryMain Level, Other

BasementNone

Bedrooms3

FeaturesDouble Vanity, Walk-In Closet(s), High Ceilings 9 ft Main, High Speed Internet

FlooringCarpet, Luxury Vinyl, Tile

Bathrooms2

AppliancesDishwasher, Electric Water Heater, Microwave, Electric Range

Payment calculator

$2,298/mo

Principal, interest & taxes · $2,391/mo with home insurance

Principal & interest$1,978

Property taxes$320

Home insurance$93

Down payment$31,990 (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 13119890101 · distressed/underserved · Franklin 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.