1/3
Active Price cut: $12,500 (9/28)
$36,500
Lot / land listing
LOT 32 Overlook at Young Harris, Young Harris, GA 30582
About this home
Escape to the North Georgia mountains and build your dream home on this beautiful 1.15-acre lot in the desirable Overlook at Young Harris community. Beautiful 1.15-acre lot located in the desirable Overlook at Young Harris community. This mountain property offers the potential for stunning views of Young Harris and Hiawassee with some clearing. The gently sloping terrain…
Listing remarks courtesy of Keller Williams Lanier Partners.
· FMLS #7747875770-503-7070
Home details
1.1 ac
Lot
$200/annual
HOA
$46/yr
Est. taxes
Mar 31, 2026
Listed
Offer insights
Choose an offer strength
List price: $36,500
$36K–$36K
70% to 90% chance of a winning offerJust under asking — competitive when the home is fresh.
181 days on market — sitting listings negotiate. A moderate offer here does more than these odds suggest.
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
Payment calculator
$278/mo
Principal & interest$213
Property taxes$37
Home insurance$11
HOA$17
Down payment$3,650 (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 13281960100 · distressed/underserved · Towns 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 salePrice cut
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Schools
Towns CountyElementary
Towns - OtherMiddle
Towns - OtherHigh
Location
Listed by
Keller Williams Lanier Partners
Source: FMLS · #7747875
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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.
