Active Price cut: $740 (7/7)
$648,730
4 beds · 3 baths · 2,826 sqft
109 River Ridge Walk, Monroe, GA 30656
Above market
Priced about $52,730 (9%) above comparable homes. Estimated market value $596,000, based on 6 comparable homes nearby.
Estimate from Veribas listing comps — a guide, not an appraisal.
About this home
The Emerson Ranch is a timeless 4 bedroom/3 bath ranch home offering a spacious open
floorplan. This home includes options for an optional keeping room on the main floor. A formal dining space with a coffered ceiling is
featured off the entryway of this home. The kitchen opens into the fireside living area and
breakfast space with access to the rear patio. The owner…
PoolBasementGarage
Listing remarks courtesy of Reliant Realty, Inc..
· FMLS #7787567770-715-2800
$4,436/mo est.
with $64,873 down · $648,730 list price*
Buyer services · Veribas Real Estate LLC — not the listing broker unless noted above
Connect with a lender · no credit check*Estimate — 30-yr fixed at 6.75% APR with taxes & insurance. Not a loan offer.
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Sign in, then back your offer with a verified pre-approval — either a Veribas pre-approval or a lender letter we confirm.
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Video walkthrough
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Home details
4
Beds
3
Baths
2,826
Sqft
2026
Built
0.67 ac
Lot
Veribas Valuation
Veribas Verified · from nearby MLS sales
$596,000range $560,000 – $632,000
Based on 6 sold homes within 2 miles (5 in the last 12 months), checked against 8 active/pending listings · asking 9% above this value
Automated estimate from nearby MLS sales — not an appraisal.
Offer insights
Choose an offer strength
List price: $648,730
$642K–$647K
70% to 90% chance of a winning offerJust under asking — competitive when the home is fresh.
90 days on market — sitting listings negotiate. A moderate offer here does more than these odds suggest.
Veribas Valuation: $596,000 — asking sits above our value; a moderate offer is defensible with comps.
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 · from nearby rentals
$3,350/morange $3,125 – $3,5756.2% gross yield
Based on 4 similar rentals within 5 mi.
4 bd · 3 ba · 2,108 sqft · 2.4 mi away$3,050/mo3 bd · 2 ba · 1,850 sqft · 3.5 mi away$2,200/mo4 bd · 3 ba · 2,600 sqft · 4.8 mi away$2,600/mo4 bd · 3 ba · 3,756 sqft · 4.8 mi away$2,400/mo
Automated estimate — actual rent depends on condition, terms, and season. Not a guarantee of rental income.
Home facts
Payment calculator
$4,679/mo
Principal & interest$3,787
Property taxes$649
Home insurance$189
HOA$54
Down payment$64,873 (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 13297110101 · Walton 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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No surprises at closing
No junk fees — the numbers you agree to are the numbers you sign.
Schools
Walker ParkElementary
LoganvilleMiddle
Monroe AreaHigh
Location
22 for sale 5 pending 12 sold
Listed by
Reliant Realty, Inc.
Source: FMLS · #7787567
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