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$95,000

Veribas Valuation $97,000asking 2% belowhow we got this

2 beds · 1 baths · 840 sqft

191 Steven Street, Summerville, GA 30747

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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: $95,000

$94K–$95K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

Veribas Valuation: $97,000 — 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.

Veribas Rental Valuation

If you rented it out · estimated from sale value

$800/morange $700 – $90010.1% 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 mi away · leased$1,350/mo 130 Gadsden Avenue3 bd · 2 ba · 1,350 sqft · 9.3 mi away · leased$1,200/mo

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

Fix & flip numbers

Renovated homes like this one sold for about $128,448 nearby: the median price per square foot of 6 renovated sales within 1 mile in the last 18 months. Change any number to run your own deal.

Rehab scope

Kitchen, baths, floors, paint, some systems

Purchase price70% rule max: $52,114After-repair valueRehab budget$45/sqftMonths held

After-repair value$128,448

Purchase price−$95,000

Rehab−$37,800

Buying costs (2%)−$1,900

Holding, 6 mo (loan, taxes, insurance, utilities)−$7,968

Selling costs (8% of ARV)−$10,276

Estimated profit−$24,496

$142,668 all-in · -17% return on cost

Walk it with an agent More fix-and-flip homes →

Investor figures are automated estimates, not an appraisal or an offer of financing. The after-repair value is the median price per square foot of renovated homes that sold nearby in the last 18 months, applied to this home’s size; rehab and holding costs are typical budgets, not a contractor’s bid. Walk the home with a contractor and confirm the comps with your agent before you offer.

Payment calculator

$682/mo

Principal, interest & taxes · $710/mo with home insurance

Principal & interest$587

Property taxes$95

Home insurance$28

Down payment$9,500 (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

Moderate-income census tract 13055010502 · 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).